Bank AI
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Spain

Spain banking app - connect 89+ banks in one place

Spain is one of Bank AI's launch markets. After a decade of consolidation the Spanish retail banking sector is dominated by five large groups - Santander, BBVA, CaixaBank, Banco Sabadell and Bankinter - alongside a handful of strong digital banks (Openbank, ING Espana, Imagin) and pan-European neobanks (Revolut, N26). Bank AI's 89 activated connectors cover essentially the entire retail market.

Active connectors
89
Retail coverage
95%
Regulator
Banco de Espana
Currency
EUR

Why Bank AI

Three things you should know:

  • 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.

Banks we support

  • Banco Santander

    Major retail and corporate

    Spain's largest bank and one of the largest in the eurozone.

  • BBVA

    Major retail and corporate

    Pan-Spanish and global bank with a market-leading mobile app.

  • CaixaBank

    Major retail

    Largest Spanish bank by domestic deposits, headquartered in Valencia.

  • Banco Sabadell

    Retail and SME

    Catalan-origin commercial bank with strong SME presence.

  • Bankinter

    Retail / digital

    Mid-sized commercial bank with a strong digital presence.

  • Unicaja

    Retail bank

    Andalusian retail bank now expanded nationally after the Liberbank merger.

  • Kutxabank

    Retail bank

    Basque-rooted bank operating in northern Spain.

  • ING Espana

    Direct bank

    Direct-bank arm of ING Group, popular for its Cuenta NOMINA proposition.

  • Openbank

    Direct bank

    Digital bank owned by Santander, offering current accounts, savings and investment.

  • Imagin

    Neobank

    Mobile-first bank by CaixaBank aimed at younger users.

  • Revolut Espana

    Neobank

    European neobank with a sizeable Spanish customer base.

  • Abanca

    Retail bank

    Galician-origin bank with a national footprint.

International banks available here

  • N26

    International neobank

    Berlin-headquartered neobank operating in Spain under its German banking licence (BaFin), passported into Spain.

  • Wise

    International account

    Multi-currency account; in Spain Wise operates via Wise Europe SA under its Belgian e-money licence.

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.

Check coverage

How Bank AI works

Bank AI connects Spanish banks under PSD2, supervised by the Banco de Espana. Read access is the default; transfers are only initiated when you explicitly trigger them via a licensed payment partner.

  1. 1. Connect your accounts

    Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.

  2. 2. See the whole picture

    Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.

  3. 3. Let the AI do the heavy lifting

    Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.

Regulation and trust

Banco de Espana is the competent authority for PSD2 in Spain and supervises Account Information Service Providers. Comision Nacional del Mercado de Valores (CNMV) supervises investment services and, under the EU MiCA regime, crypto-asset service providers.

Banco de Espana (Banco de Espana)PSD2 (Spanish implementation via Banco de Espana)

How Bank AI compares

Spanish users today typically use the very polished native app of their primary bank (BBVA and CaixaBank are recognised as world-class) and accept that anything outside that bank lives in spreadsheets or in side apps like Fintonic.

Bank AIFintonic, native bank apps, BBVA Invest
Multi-bank, multi-country viewYesPartial
AI assistant grounded in your real dataYesNo
EU data residency, GDPR by defaultYesPartial
Crypto-ready (in build)PartialNo

Frequently asked questions

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 prevee un plan gratuito que cubre la agregacion de cuentas y los insights basicos de IA. Habra planes premium opcionales para analisis avanzados y mayor uso de IA. Los precios definitivos se anunciaran antes del lanzamiento comercial.

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