Self Bank (Selfbank by Singular Bank) review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Self Bank is the Singular Bank brand in Spain, regulated by Banco de Espana and CNMV, paying a variable interest rate of 1% to 1.5% on its savings account. It suits Spanish savers who want euro deposit protection, interest credited every month, and savings, funds and shares in the same place.
Key facts
- Best for
- Spanish savers who want an easy-access euro account with an account fee of €0 and covered withdrawals.
- Minimum deposit
- €0↗
- Account fee
- €0↗
- Markets
- Funds, Stocks↗
- Regulators
- Banco de Espana, CNMV↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Deposit and withdrawal fees
- Free domestic transfers↗
- Legal entity
- Singular Bank↗
- Headquarters
- Spain↗
- Founded
- 2000↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- selfbank.es
Savings
Pros and cons
Pros
- No monthly charge: the monthly fee is €0 and the account fee is €0.
- Cash in the account is covered by EU DGS up to EUR 100,000.
- The provider dates back to 2000 and trades as Singular Bank.
- Support runs through email, phone and help centre.
Cons
- The rate is variable, so interest is not locked for a term and follows the market.
- Investment cover is EU ICS up to EUR 20,000, while savings are covered by EU DGS up to EUR 100,000.
- Markets run to funds and stocks, which is narrower than the stocks, etfs and forex list at CFI.
Ready to try Self Bank (Selfbank by Singular Bank)?
Scored 9.3 / 10 by SumCue.
Who it suits
- People who want savings and investments in the same place, since the platform covers funds and stocks.
- Anyone keeping an emergency buffer, as the balance stays fully available and interest is credited every month.
- Customers who want a Spanish-regulated provider, with Banco de Espana and CNMV overseeing the bank and the investment side.
Who should look elsewhere
- Not for people who want a fixed return, since the rate is variable and can move with the market.
- Not for investors who need a wide asset list, as the platform covers funds and stocks where CFI covers stocks, etfs and forex.
- Not for savers wanting the larger cash guarantee on invested money, since investments are covered to EU ICS up to EUR 20,000 while savings fall under EU DGS up to EUR 100,000; bunq is worth checking for stocks, etfs and crypto.
Fees and currency costs
The savings account has a minimum deposit of €0 and an account fee of €0. Withdrawals are covered as well, since Free domestic transfers applies. That is the whole published cost list, and none of it moves with the size of your balance, so a larger pot does not change what you pay.
How Self Bank (Selfbank by Singular Bank) compares
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.3
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.8
Where Self Bank (Selfbank by Singular Bank) is available
- Available
- Spain
- Licence in Spain
- Banco de Espana, checked September 26, 2026
- Licence in Spain
- CNMV, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to run the savings account?+
The account fee is €0 and the monthly fee is €0, so nothing recurs each month. You can open it with a minimum deposit of €0, and Free domestic transfers means moving money in and out adds nothing further. The published price list is short and flat.
Is my money protected?+
Savings held in the account are covered by EU DGS up to EUR 100,000, the EU deposit guarantee. Money invested in shares or funds sits under a different scheme, EU ICS up to EUR 20,000, so the protection steps down once you move from cash into investments.
Who regulates the provider?+
Self Bank operates as Singular Bank and is based in Spain, where it is supervised by Banco de Espana and CNMV. The bank side and the investment side both sit under Spanish supervision, and the securities regulator watches the investment business as well.
Can I get at my money when I need it?+
The account is easy access, so there is no notice period and no fixed term to serve. The whole balance can be drawn whenever you want, and interest is credited every month. Free domestic transfers, so taking money out is not chargeable.
What interest do I earn, and is it fixed?+
Interest runs at 1% to 1.5% and the rate is variable, so it follows the market rather than being locked for a term. Across the site the median headline rate is 3%, so this account pays below the middle of the market.
What can I invest in, and how risky is it?+
The brokerage side covers funds and stocks, so shares and funds. That is narrower than the stocks, etfs and forex offered by CFI, and there is no crypto, forex or derivatives on the same account. Retail accounts lose money at a rate of 70.15% across the site, and protection on investments is EU ICS up to EUR 20,000.
How do I get help?+
Support runs through email, phone and help centre, so you can call, write or use the help centre rather than relying on chat or a community forum. For a provider that holds both savings and investments, a phone line matters when a transfer or a trade needs checking.
Can I borrow against the account?+
The loan quotes an initial rate of 4.4% and an annual rate of 4.47%, with a product fee of €0. A secured loan like this prices below the 15.5% typical of personal loans across the site, and the same Spanish regulators cover the lending.
Sources
- selfbank.es checked September 26, 2026
Backs: Support channels
- selfbank.es/ahorrar/cuenta-ahorro-self checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model
- selfbank.es/conocenos checked September 26, 2026
Backs: Founded, Headquarters, Investor protection, Legal entity, Regulators, Licences
- selfbank.es/credito-pignorado checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Product fee
“tipo fijo 4,47% TAE, 4,40% TIN”
- selfbank.es/informacion-legal-y-normativa-aplicable checked September 26, 2026
Backs: Deposit protection, Rate type
- selfbank.es/tarifas-y-condiciones-economicas checked September 26, 2026
Backs: Account fee, Deposit and withdrawal fees, Markets, Monthly fee
- selfbank.es/tu-dia-a-dia/tarjeta-de-credito-platinum checked September 26, 2026
Backs: Annual fee, Card kind, Perks, Rewards type
- selfbank.es/tu-dia-a-dia/tarjeta-debito checked September 26, 2026
Backs: Card type, Card network
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Inactivity fee, Retail accounts that lose money.
Self Bank (Selfbank by Singular Bank)
Spanish savers who want an easy-access euro account with an account fee of €0 and covered withdrawals.