ABANCA review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ABANCA suits savers who want their money reachable at any time without paying to hold it. The Spanish bank's easy-access account pays a 2% headline rate on a fixed basis, charges a monthly fee of €0 and covers deposits under EU DGS up to EUR 100,000.
Key facts
Savings
- Headline rate
- 2%↗
- Rate type
- Fixed↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Money always available, no notice period; 100% online account, operations via app or online banking↗
- Account kind
- Easy access↗
- Pricing model
- No monthly fee
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- The easy access account pairs a monthly fee of €0 with a 2% headline rate.
- Deposits sit under EU DGS up to EUR 100,000 and the minimum deposit is €0, so the account opens with nothing in it.
- Money is always available with no notice period, which suits an emergency fund.
- Spending runs on a debit card on the visa network, linked to the same balance.
Cons
- A fixed rate means the 2% return stays put even when market rates climb.
- The 2% headline rate sits below the 3% median across the easy-access accounts listed here, which matters on a large balance.
- Banking depends on the app and online banking, so it suits people comfortable running every payment digitally.
Who it suits
- Savers in Spain who want to be paid interest while keeping money reachable at short notice.
- Anyone who wants no monthly charge and a minimum deposit of €0 to get started.
- People who bank in an app and are comfortable holding a fixed rate rather than a variable one.
Who should look elsewhere
- Savers chasing a variable return, since the rate here is fixed.
- Customers who want branch or face to face service, as the account is run through the app and online banking.
- Anyone holding more than EU DGS up to EUR 100,000, where the cap leaves larger balances outside the scheme.
Who runs it
The provider is ABANCA Corporación Bancaria, S.A., a bank headquartered in Spain and founded in 2011. Customer service runs on email, chat and phone, so questions can go to the help centre, by email, over live chat, by phone or through the community forum. The bank serves the Spanish market.
How ABANCA compares
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Where ABANCA is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account open?+
There is a monthly fee of €0 on the account, and the minimum deposit is €0, so nothing has to be paid in to open it and nothing is charged for holding a balance. Day to day spending is handled by a debit card on the visa network.
What interest does the balance earn?+
The account pays a 2% headline rate that is fixed, so it does not move with market rates. Across the easy-access accounts listed here the 3% sits higher, which matters for anyone holding a large balance.
Can I get at my money whenever I want?+
Yes. The account is an easy access one, so the money is always available and there is no notice period to serve. Operations are run through the app and online banking rather than a counter, so a transfer out is a tap away at any time.
Is my money protected?+
Deposits sit under EU DGS up to EUR 100,000, so a bank failure would be covered up to that limit. Anything you hold above the cap is not covered by the scheme, which matters if you keep more than the ceiling in a single account.
What card do I get for spending?+
The account issues a debit card on the visa network, so payments and withdrawals work wherever that network is accepted. Because it is a debit card, spending comes straight out of the account balance rather than a credit line.
Who is this account for?+
It fits a saver in Spain who wants a bit of interest without locking the money away, and an easy access account suits an emergency fund. It suits people who prefer handling their own banking in an app rather than visiting a counter.
Who runs the account and how do I reach them?+
The account is run by a bank headquartered in Spain, founded in 2011. Support runs on email, chat and phone, covering email, live chat, phone, a help centre and a community forum, so most questions can be raised in whichever channel suits you.
Sources
- abanca.com checked September 26, 2026
Backs: Card type, Card network
“Tarjeta Visa Débito”
- en.wikipedia.org/wiki/Abanca checked September 26, 2026
Backs: Founded, Headquarters
“founded on 15 September 2011”
- abanca.com checked September 26, 2026
Backs: Support channels
- abanca.com/en/legal checked September 26, 2026
Backs: Legal entity
“ABANCA Corporación Bancaria, S.A.”
- abanca.com/es/cuentas/cuenta-remunerada checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
- abanca.com/es/legal/aviso-legal checked September 26, 2026
Backs: Deposit protection
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.