If you are looking for a modern bank, without commissions, that works well both in Spain and when you travel, and that also gives you real advantages... Revolut is right now the best option.
I've been using it for a while now and honestly, it has simplified my life: pay out without fear, send money instantly, manage my expenses and have useful subscriptions included in my plan.
In this article I tell you why Revolut is Spain's best online bank and what is the plan I chose.
Index
1. Why comparing banks online matters more than ever
Traditional banks in Spain continue with:
- Commissions for everything
- Unnecessary paperwork
- Limited hours
- Surprise charges abroad
- Desperate customer service
The reality is that today you can bank faster, safer and much more conveniently - right on your mobile.
That's why comparing banks online matters: because it allows you to pay less, control your money better and travel without headaches.
2. What is Revolut and why is it different
Revolut is a 100% digital bank designed for you to control your money from the app without complications. It has no branches, but you have:
- IBAN Spanish (ES)
- European regulation
- Protection up to €100,000
- Physical and virtual card
- Immediate transfers
- Cheap currency exchanges
- Investments, savings and international payments
Compared to a traditional bank, Revolut is much faster, more flexible and has no hidden fees.
3. Main advantages of Revolut
Here are the most important things to know if you are thinking of opening an account:
- Spanish IBAN (no longer Lithuanian)
- No commissions to open or maintain
- Very cheap currency exchanges
- Disposable virtual cards for online purchases
- Send money instantly
- Spending Analytics super clear
- Vaults to save automatically
- Buy stocks, crypto and commodities
- Hassle-free international payments
- 24/7 customer service
- The app is one of the best on the market
And if you travel, Revolut is another level: you exchange currency cheaply, pay without surcharges, withdraw at ATMs without commissions (up to a certain limit) and have travel insurance depending on the plan.
4. Revolut plans: which one to choose depending on your life
Revolut has several plans and each one fits a different type of person. Here I summarize them in a simple way.
🔹 Standard - Free
Perfect if you want something simple and without paying:
- Spanish IBAN
- Limited currency exchanges
- Virtual/disposable card
- Organized expenses
- Send/receive money for free
- Basic protection
🔹 Plus
Includes all Standard + purchase and return protection.
🔹 Premium (the one I use)
This plan is the most balanced because it brings subscriptions included that are worth more than what you pay:
- Uber One
- Tinder (plan included according to promo)
- NordVPN
- Perplexity
- Other promos and services that change from time to time
- Travel medical insurance
- Unlimited currency exchange
- Expanded ATM withdrawals
- Priority attention
It's the best plan if you use those subscriptions, because you literally get the following free by including them in the package.
👉 I use Premium for that reason: I save money every month.
🔹 Metal
For those who want:
- Cashback
- Metal card
- More ATM limits
- More travel benefits
Ideal if you pay a lot by card and want rewards.
🔹 Ultra - The plan for frequent travelers
If you work on the road or move around a lot, this is the top plan:
- VIP access to airport lounges
- Full insurance
- Unlimited changes
- Premium travel benefits
- Exclusive offers
- Special design card
5. Why I chose Revolut and the Premium plan
I live in Spain and I was looking for a bank that would give me convenience, safety and real benefits.
With Revolut I found just that.
My real reasons for choosing it:
- I wanted to have a Spanish IBAN without commissions
- I needed to pay abroad without any surprises
- I use online shopping a lot → virtual cards are a lifesaver.
- Subscriptions included (Uber One, NordVPN, Perplexity...) they are cheaper within the Premium plan than separately.
- I like to see my expenses super clear in the app.
- And no more dependence on offices, paperwork or schedules.
For me, Revolut Premium is the perfect balance between price and benefits.
6. Real user reviews
Revolut is among the top-rated online banks, especially for:
- Intuitive App
- Send money fast
- Travel without commissions
- Attention 24/7
- Total security and control
Many users point out that returning to a traditional bank after using Revolut it feels like going back in time.
7. Frequently Asked Questions
Is Revolut a safe bank?
Yes, it is regulated in the European Union and your money is protected up to €100,000.
Do you have a Spanish IBAN?
Yes, it is no longer LT. Now your IBAN starts with EN.
Do you have commissions?
It depends on the plan. Standard is free. The others add benefits.
Can I withdraw money at ATMs?
Yes, depending on the plan you have a commission-free limit.
Can I invest from Revolut?
Yes, in stocks, cryptocurrencies and ETFs (with limitations according to plan).
Will it work if I don't travel?
Yes, although Revolut shines especially if you travel or shop online.
8. Conclusion: Revolut is the best online bank in Spain.
If you want a fast, modern, secure bank with real advantages, Revolut is ahead of the rest.
It has an incredible app, Spanish IBAN, zero commissions in its basic plan and huge benefits in the superior plans.
👉 You can open your account here: Open Revolut account
If you want to simplify your financial life, Revolut is the best option right now.
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