- Active connectors
- 89
- Retail coverage
- 95%
- Regulator
- Banco de Espana
- Currency
- EUR
Spain has one of the most-consolidated banking sectors in Europe after a decade of mergers - five groups (Santander, BBVA, CaixaBank, Sabadell, Bankinter) hold the vast majority of retail deposits.
Banco de Espana supervises PSD2 implementation; CNMV supervises investment services and crypto-asset service providers under the upcoming MiCA regime.
The Spanish retail-banking app market is exceptionally mature - BBVA's mobile app has been ranked best-in-class in independent Forrester benchmarks for several years - which sets a high UX bar for any aggregator.
Banco Santander
Major retail and corporateSpain's largest bank and one of the largest in the eurozone.
BBVA
Major retail and corporatePan-Spanish and global bank with a market-leading mobile app.
CaixaBank
Major retailLargest Spanish bank by domestic deposits, headquartered in Valencia.
Banco Sabadell
Retail and SMECatalan-origin commercial bank with strong SME presence.
Bankinter
Retail / digitalMid-sized commercial bank with a strong digital presence.
Unicaja
Retail bankAndalusian retail bank now expanded nationally after the Liberbank merger.
Kutxabank
Retail bankBasque-rooted bank operating in northern Spain.
ING Espana
Direct bankDirect-bank arm of ING Group, popular for its Cuenta NOMINA proposition.
Openbank
Direct bankDigital bank owned by Santander, offering current accounts, savings and investment.
Imagin
NeobankMobile-first bank by CaixaBank aimed at younger users.
Revolut Espana
NeobankEuropean neobank with a sizeable Spanish customer base.
Abanca
Retail bankGalician-origin bank with a national footprint.
International banks available here
Networks and groups
- Cajas rurales(30+)Cooperative rural credit unions, federated through Caja Rural.
- Cajas de ahorro(5+)Historic savings banks, mostly converted to commercial banks after 2010.
Don't see your bank?
Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.
1. Connect your accounts
Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.
2. See the whole picture
Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.
3. Let the AI do the heavy lifting
Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.
Account types we surface
Cuenta de valores, fondos
CaixaBank Espana and Sabadell brokerage positions are read directly today; Trade Republic, Saxo and Degiro cover the pan-European ETF flows used by Spanish residents.
Brokers covered for Spanish investors
- CaixaBank Espana
- Sabadell
- Trade Republic
- Saxo Bank
- Degiro
- eToro
Brokers, wealth wrappers and exchanges connectable today
Curated subset of the wealth-capable institutions Bank AI connects in this market. Tap a card to see what positions, wrappers and tax data Bank AI surfaces for that provider.
Brokers and trading platforms(4)
Trade Republic
EUBerlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and savings plans across Europe.
Saxo Bank
EUDanish bank and broker offering multi-asset trading (stocks, ETFs, bonds, futures, FX) across the EU and UK.
Degiro
EUDutch low-cost broker (now part of flatexDEGIRO) operating across the EU and UK; one of the largest retail brokers in Europe.
eToro
EUMulti-asset broker known for social-trading; stocks, ETFs, crypto and CFDs depending on local licensing.
Life insurance, pensions and wealth wrappers(3)
Allianz
Global insurer; in France and across the EU it distributes assurance-vie, retirement and asset-management products.
Amundi
Europe's largest asset manager; distributes mutual funds, ETFs and salary-savings plans across the EU.
Cardif
BNP Paribas Cardif: life-insurance and creditor-protection arm of BNP Paribas, with a deep French assurance-vie business.
Banks with a wealth or brokerage arm(2)
Crypto exchanges and wallets(5)
Binance
EUGlobal crypto exchange; EU operations are routed through entities registered with national VASP regimes.
Coinbase
EUUS-listed (NASDAQ: COIN) crypto exchange with an Irish entity (Coinbase Ireland) covering the EU.
Bitpanda
EUVienna-headquartered fintech offering crypto, stocks, ETFs and metals; EU passporting via Austrian licensing.
Kraken
EUUS-headquartered crypto exchange with Irish entity for EU customers and FCA registration in the UK.
Crypto.com Exchange
EUGlobal crypto exchange and card-issuing fintech; EU operations routed through national VASP registrations.
Investing in Spain - frequently asked questions
Which Spanish brokers does Bank AI cover?
CaixaBank Espana, Sabadell brokerage, and pan-European brokers operating in Spain (Trade Republic, Saxo Bank, Degiro, eToro). Coverage of MyInvestor, Renta 4 and Bankinter brokerage depends on whether each connector exposes positions via PSD2 - we add them as soon as they do.
Bank AI representa correctamente fondos y planes de pensiones?
Si. Los fondos de inversion en cuenta de valores aparecen como holdings con NAV diario; los planes de pensiones se muestran como cuentas dedicadas. El traspaso entre fondos sin tributacion (regimen espanol especifico) no es calculado automaticamente - eso lo gestiona el comercializador.
Se calcula el IRPF de las plusvalias automaticamente?
No - Bank AI es una app de dinero, no una herramienta fiscal. Mostramos dividendos, ventas y traspasos con un audit trail claro, pero el IRPF de las plusvalias (19 a 28 por ciento por tramos) y la retencion del 19 por ciento sobre dividendos son gestionados por el broker o en software fiscal dedicado.
Puedo ver cuenta corriente, broker y crypto a la vez?
Si. CaixaBank, BBVA, Santander o tu cuenta Revolut espanola conviven en la misma vista con tus posiciones en Trade Republic, Saxo o Degiro, mas tus monederos Coinbase, Bitpanda o Kraken. El total de patrimonio se calcula multi-divisa en tiempo real.
Esta Bank AI regulada en Espana?
Bank AI no es un banco y no custodia depositos. El acceso a datos de cuenta se entrega via proveedores AISP autorizados bajo PSD2 y supervisados por el Banco de Espana o por otro regulador europeo. La SCA se aplica cada 90 dias tal como exige la normativa.
| Bank AI | Fintonic, native bank apps, BBVA Invest | |
|---|---|---|
| Multi-bank, multi-country view | Yes | Partial |
| AI assistant grounded in your real data | Yes | No |
| EU data residency, GDPR by default | Yes | Partial |
| Crypto-ready (in build) | Partial | No |
Que bancos espanoles puedo conectar con Bank AI?
Bank AI se conecta con los principales grupos espanoles (Santander, BBVA, CaixaBank, Sabadell, Bankinter, Unicaja), bancos digitales (Openbank, ING Espana, Imagin) y neobancos (Revolut). En total son unos 89 conectores activos, que cubren practicamente todo el mercado retail.
Esta Bank AI regulado en Espana?
Bank AI es una aplicacion de gestion de dinero, no es un banco. El acceso a los datos de las cuentas se realiza a traves de socios de open banking autorizados como Proveedor de Servicios de Informacion sobre Cuentas (AISP) bajo PSD2, supervisados por el Banco de Espana o por otro supervisor europeo equivalente.
Bank AI puede mover dinero de mis cuentas?
Por defecto Bank AI solo lee los datos de tus cuentas y nunca mueve dinero. Las transferencias se inician unicamente cuando tu lo indicas, y se ejecutan a traves de tu proveedor de servicios de pago, no de Bank AI.
Que pasa con mis datos bajo el RGPD y la LOPDGDD?
Los datos se alojan en regiones de la UE y se tratan conforme al RGPD y a la LOPDGDD. Conservas siempre tus derechos de acceso, rectificacion y supresion. Bank AI nunca vende tus datos y solo aplica IA sobre los datos que has habilitado expresamente.
Bank AI funciona con mis fondos de inversion y mi plan de pensiones?
Los fondos y planes de pensiones se incluyen a medida que los conectores los exponen via API, lo que ya cubre la mayoria de productos comercializados por Santander, BBVA, CaixaBank y Bankinter.
Bank AI soporta cuentas en Portugal o en Latinoamerica?
El soporte para Portugal esta disponible en /banks/portugal. Para Latinoamerica se evaluara una fase posterior; al ser un mercado distinto, los partners de aggregation y la regulacion son diferentes.
Cuanto cuesta Bank AI en Espana?
Bank AI es una app de pago. El precio actual se muestra en la App Store, donde la descargas, y puede cambiar con el tiempo.
🇪🇸 Spain
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