Banking in Spain
By Linus Palmqvist, Head of Operations Reviewed by Simon Nilsson Last reviewed Spain-registered Revolut customers get an ES IBAN through Revolut’s Spanish branch. As with N26, this is for people who are legally resident in Spain, not a reason to register Spain before your move is real.
A strong app-first option for settled residents, but its country-registration rules make it unsuitable as a pre-arrival shortcut.
Choose between independent help with your move or checking Revolut's current process directly.
Settlewell helps you understand your whole move to Spain, including how banking fits alongside home services. We do not open or arrange a bank account on your behalf.
Bank fit changes depending on where you are in the move. Check each stage before treating a bank as a good option.
You cannot register Revolut to Spain before you live here. If you already use Revolut from home, you can keep using it, and its EU IBAN works for Spanish payments.
Keep using a Revolut account you already hold from home while you settle. Registering to Spain comes later, once you legally live here.
Once you legally live in Spain, Revolut can register you through its Spanish branch and issue a Spanish ES IBAN. A permanent country move can mean closing and reopening the account, so do not register Spain early.
Customers registered to Spain receive a Spanish ES IBAN through Revolut’s Spanish branch.
As of 11 July 2026, Standard was €0 and paid plans ranged from €3.99 to €55; standard card delivery was €6.99 domestic or €7.99 international. Check current terms.
Match the option to your current stage, then confirm the live bank requirements before submitting an application.
Do not register Spain early just to obtain an ES IBAN.
A permanent country move can require closing and reopening the account.
Check current plan and card-delivery charges before ordering a card.
Revolut’s app reputation is strong, but customer discussions repeatedly flag compliance reviews and chat-only resolution as friction points.
The normal option is in-app chat.
Ultra includes in-app calls; there is no general public Spanish geographic number.
The right option can change as you move from planning your arrival to living in Spain.
Still have questions?
Start with the stage you are at, then compare the practical options for your move to Spain in English.
Compare banking optionsWritten by
Head of Operations at Settlewell
Linus moved from Sweden to Málaga in 2021 and set his own home up here, so most of this he has already done the hard way once. Before Settlewell he spent years at Workwide, the cross-border recruiter that has helped over 10,000 people into jobs abroad, latterly as its Head of Recruitment and Operations. He speaks Spanish, lives in Málaga with his partner, and spends his days on the phone to Spanish providers.
This page is based on Revolut's official information and is independent: Settlewell has no commercial relationship with Revolut. Every claim on this page traces to a dated, sourced fact: a bank statement, an official term, or regulator guidance. Never a guess or a commercial preference. Where public information does not answer a question, this page says so plainly instead of filling the gap. Check live terms with the bank before applying.
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