{"id":106,"date":"2025-11-15T16:46:09","date_gmt":"2025-11-15T15:46:09","guid":{"rendered":"https:\/\/eltopmejor.com\/?p=106"},"modified":"2025-11-15T19:56:44","modified_gmt":"2025-11-15T18:56:44","slug":"best-bank","status":"publish","type":"post","link":"https:\/\/eltopmejor.com\/en\/mejor-banco\/","title":{"rendered":"The best online bank in Spain: why I chose Revolut"},"content":{"rendered":"<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>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. <\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>In this article I tell you <strong>why Revolut is Spain's best online bank<\/strong> and what is the plan I chose.<\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Index<\/h2><nav><ul><li class=\"\"><a href=\"#1-por-que-comparar-bancos-online-importa-mas-que-nunca\">1. Why comparing banks online matters more than ever<\/a><\/li><li class=\"\"><a href=\"#2-que-es-revolut-y-por-que-es-diferente\">2. What is Revolut and why is it different<\/a><\/li><li class=\"\"><a href=\"#3-ventajas-principales-de-revolut\">3. Main advantages of Revolut<\/a><\/li><li class=\"\"><a href=\"#4-los-planes-de-revolut-cual-elegir-dependiendo-de-tu-vida\">4. Revolut plans: which one to choose depending on your life<\/a><ul><li class=\"\"><a href=\"#\ud83d\udd39-standard-gratis\">\ud83d\udd39 Standard - Free<\/a><\/li><li class=\"\"><a href=\"#\ud83d\udd39-plus\">\ud83d\udd39 Plus<\/a><\/li><li class=\"\"><a href=\"#\ud83d\udd39-premium-el-que-uso-yo\">\ud83d\udd39 Premium (the one I use).<\/a><\/li><li class=\"\"><a href=\"#\ud83d\udd39-metal\">\ud83d\udd39 Metal<\/a><\/li><li class=\"\"><a href=\"#\ud83d\udd39-ultra-el-plan-para-viajeros-frecuentes\">\ud83d\udd39 Ultra - The plan for frequent travelers<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#5-por-que-elegi-revolut-y-el-plan-premium\">5. Why I chose Revolut and the Premium plan<\/a><\/li><li class=\"\"><a href=\"#6-opiniones-reales-de-usuarios\">6. Real user reviews<\/a><\/li><li class=\"\"><a href=\"#7-preguntas-frecuentes\">7. Frequently Asked Questions<\/a><ul><li class=\"\"><a href=\"#revolut-es-un-banco-seguro\">Is Revolut a safe bank?<\/a><\/li><li class=\"\"><a href=\"#tiene-iban-espanol\">Do you have a Spanish IBAN?<\/a><\/li><li class=\"\"><a href=\"#tiene-comisiones\">Do you have commissions?<\/a><\/li><li class=\"\"><a href=\"#puedo-sacar-dinero-en-cajeros\">Can I withdraw money at ATMs?<\/a><\/li><li class=\"\"><a href=\"#puedo-invertir-desde-revolut\">Can I invest from Revolut?<\/a><\/li><li class=\"\"><a href=\"#sirve-si-no-viajo\">Will it work if I don't travel?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#8-conclusion-revolut-es-el-mejor-banco-online-de-espana\">8. Conclusion: Revolut is the best online bank in Spain.<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-por-que-comparar-bancos-online-importa-mas-que-nunca\"><strong>1. Why comparing banks online matters more than ever<\/strong><\/h2>\n\n\n\n<p>Traditional banks in Spain continue with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Commissions for everything<\/li>\n\n\n\n<li>Unnecessary paperwork<\/li>\n\n\n\n<li>Limited hours<\/li>\n\n\n\n<li>Surprise charges abroad<\/li>\n\n\n\n<li>Desperate customer service<\/li>\n<\/ul>\n\n\n\n<p>The reality is that today you can bank faster, safer and much more conveniently - right on your mobile.<\/p>\n\n\n\n<p>That's why comparing banks online matters: because it allows you to pay less, control your money better and travel without headaches.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-que-es-revolut-y-por-que-es-diferente\"><strong>2. What is Revolut and why is it different<\/strong><\/h2>\n\n\n\n<p>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:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>IBAN Spanish (ES)<\/strong><\/li>\n\n\n\n<li>European regulation<\/li>\n\n\n\n<li>Protection up to \u20ac100,000<\/li>\n\n\n\n<li>Physical and virtual card<\/li>\n\n\n\n<li>Immediate transfers<\/li>\n\n\n\n<li>Cheap currency exchanges<\/li>\n\n\n\n<li>Investments, savings and international payments<\/li>\n<\/ul>\n\n\n\n<p>Compared to a traditional bank, Revolut is much faster, more flexible and has no hidden fees.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-ventajas-principales-de-revolut\"><strong>3. Main advantages of Revolut<\/strong><\/h2>\n\n\n\n<p>Here are the most important things to know if you are thinking of opening an account:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spanish IBAN<\/strong> (no longer Lithuanian)<\/li>\n\n\n\n<li><strong>No commissions<\/strong> to open or maintain<\/li>\n\n\n\n<li>Very cheap currency exchanges<\/li>\n\n\n\n<li><strong>Disposable virtual cards<\/strong> for online purchases<\/li>\n\n\n\n<li>Send money instantly<\/li>\n\n\n\n<li><strong>Spending Analytics<\/strong> super clear<\/li>\n\n\n\n<li>Vaults to save automatically<\/li>\n\n\n\n<li>Buy stocks, crypto and commodities<\/li>\n\n\n\n<li><strong>Hassle-free international payments<\/strong><\/li>\n\n\n\n<li>24\/7 customer service<\/li>\n\n\n\n<li>The app is one of the best on the market<\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-los-planes-de-revolut-cual-elegir-dependiendo-de-tu-vida\"><strong>4. Revolut plans: which one to choose depending on your life<\/strong><\/h2>\n\n\n\n<p>Revolut has several plans and each one fits a different type of person. Here I summarize them in a simple way.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\ud83d\udd39-standard-gratis\"><strong>\ud83d\udd39 Standard - Free<\/strong><\/h3>\n\n\n\n<p>Perfect if you want something simple and without paying:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Spanish IBAN<\/li>\n\n\n\n<li>Limited currency exchanges<\/li>\n\n\n\n<li>Virtual\/disposable card<\/li>\n\n\n\n<li>Organized expenses<\/li>\n\n\n\n<li>Send\/receive money for free<\/li>\n\n\n\n<li>Basic protection<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\ud83d\udd39-plus\"><strong>\ud83d\udd39 Plus<\/strong><\/h3>\n\n\n\n<p>Includes all Standard + purchase and return protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\ud83d\udd39-premium-el-que-uso-yo\"><strong>\ud83d\udd39 Premium<\/strong> (the one I use)<\/h3>\n\n\n\n<p>This plan is the most balanced because it brings <strong>subscriptions included<\/strong> that are worth more than what you pay:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uber One<\/li>\n\n\n\n<li>Tinder (plan included according to promo)<\/li>\n\n\n\n<li>NordVPN<\/li>\n\n\n\n<li>Perplexity<\/li>\n\n\n\n<li>Other promos and services that change from time to time<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Travel medical insurance<\/li>\n\n\n\n<li>Unlimited currency exchange<\/li>\n\n\n\n<li>Expanded ATM withdrawals<\/li>\n\n\n\n<li>Priority attention<\/li>\n<\/ul>\n\n\n\n<p>It's the best plan if you use those subscriptions, because you literally get the following <strong>free<\/strong> by including them in the package.<\/p>\n\n\n\n<p>\ud83d\udc49 <em>I use Premium for that reason: I save money every month.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\ud83d\udd39-metal\"><strong>\ud83d\udd39 Metal<\/strong><\/h3>\n\n\n\n<p>For those who want:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cashback<\/li>\n\n\n\n<li>Metal card<\/li>\n\n\n\n<li>More ATM limits<\/li>\n\n\n\n<li>More travel benefits<\/li>\n<\/ul>\n\n\n\n<p>Ideal if you pay a lot by card and want rewards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\ud83d\udd39-ultra-el-plan-para-viajeros-frecuentes\"><strong>\ud83d\udd39 Ultra - The plan for frequent travelers<\/strong><\/h3>\n\n\n\n<p>If you work on the road or move around a lot, this is the top plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>VIP access to airport lounges<\/strong><\/li>\n\n\n\n<li>Full insurance<\/li>\n\n\n\n<li>Unlimited changes<\/li>\n\n\n\n<li>Premium travel benefits<\/li>\n\n\n\n<li>Exclusive offers<\/li>\n\n\n\n<li>Special design card<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-por-que-elegi-revolut-y-el-plan-premium\"><strong>5. Why I chose Revolut and the Premium plan<\/strong><\/h2>\n\n\n\n<p>I live in Spain and I was looking for a bank that would give me <strong>convenience, safety and real benefits<\/strong>.<br>With Revolut I found just that.<\/p>\n\n\n\n<p>My real reasons for choosing it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I wanted to have a Spanish IBAN without commissions<\/li>\n\n\n\n<li>I needed to pay abroad without any surprises<\/li>\n\n\n\n<li>I use online shopping a lot \u2192 virtual cards are a lifesaver.<\/li>\n\n\n\n<li>Subscriptions included (Uber One, NordVPN, Perplexity...) <strong>they are cheaper within the Premium plan than separately.<\/strong><\/li>\n\n\n\n<li>I like to see my expenses super clear in the app.<\/li>\n\n\n\n<li>And no more dependence on offices, paperwork or schedules.<\/li>\n<\/ul>\n\n\n\n<p>For me, Revolut Premium is the perfect balance between price and benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-opiniones-reales-de-usuarios\"><strong>6. Real user reviews<\/strong><\/h2>\n\n\n\n<p>Revolut is among the top-rated online banks, especially for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Intuitive App<\/li>\n\n\n\n<li>Send money fast<\/li>\n\n\n\n<li>Travel without commissions<\/li>\n\n\n\n<li>Attention 24\/7<\/li>\n\n\n\n<li>Total security and control<\/li>\n<\/ul>\n\n\n\n<p>Many users point out that returning to a traditional bank after using Revolut <strong>it feels like going back in time<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-preguntas-frecuentes\"><strong>7. Frequently Asked Questions<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"revolut-es-un-banco-seguro\"><strong>Is Revolut a safe bank?<\/strong><\/h3>\n\n\n\n<p>Yes, it is regulated in the European Union and your money is protected up to \u20ac100,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tiene-iban-espanol\"><strong>Do you have a Spanish IBAN?<\/strong><\/h3>\n\n\n\n<p>Yes, it is no longer LT. Now your IBAN starts with <strong>EN<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tiene-comisiones\"><strong>Do you have commissions?<\/strong><\/h3>\n\n\n\n<p>It depends on the plan. Standard is free. The others add benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"puedo-sacar-dinero-en-cajeros\"><strong>Can I withdraw money at ATMs?<\/strong><\/h3>\n\n\n\n<p>Yes, depending on the plan you have a commission-free limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"puedo-invertir-desde-revolut\"><strong>Can I invest from Revolut?<\/strong><\/h3>\n\n\n\n<p>Yes, in stocks, cryptocurrencies and ETFs (with limitations according to plan).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sirve-si-no-viajo\"><strong>Will it work if I don't travel?<\/strong><\/h3>\n\n\n\n<p>Yes, although Revolut shines especially if you travel or shop online.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"8-conclusion-revolut-es-el-mejor-banco-online-de-espana\"><strong>8. Conclusion: Revolut is the best online bank in Spain.<\/strong><\/h2>\n\n\n\n<p>If you want a fast, modern, secure bank with real advantages, Revolut is ahead of the rest.<br>It has an incredible app, Spanish IBAN, zero commissions in its basic plan and huge benefits in the superior plans.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong>You can open your account here:<\/strong> <strong><a href=\"https:\/\/eltopmejor.com\/en\/out\/revolut\/\">Open Revolut account<\/a><\/strong><\/p>\n\n\n\n<p>If you want to simplify your financial life, Revolut is the best option right now.<\/p>","protected":false},"excerpt":{"rendered":"<p>Si buscas un banco moderno, sin comisiones, que funcione bien tanto en Espa\u00f1a como cuando viajas, y que adem\u00e1s te d\u00e9 ventajas reales\u2026 Revolut es ahora mismo la mejor opci\u00f3n. Llevo tiempo us\u00e1ndolo y, sinceramente, me ha simplificado la vida: pagar fuera sin miedo, enviar dinero al instante, gestionar mis gastos y tener suscripciones \u00fatiles [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[16],"tags":[17,18,19],"class_list":["post-106","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca-digital-y-finanzas","tag-banca-online","tag-cuenta-sin-comisiones","tag-mejor-banco-digital"],"jetpack_featured_media_url":"https:\/\/eltopmejor.com\/wp-content\/uploads\/2025\/11\/pexels-photo-457881-1.jpeg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/posts\/106","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/comments?post=106"}],"version-history":[{"count":6,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/posts\/106\/revisions"}],"predecessor-version":[{"id":144,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/posts\/106\/revisions\/144"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/media\/108"}],"wp:attachment":[{"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/media?parent=106"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/categories?post=106"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eltopmejor.com\/en\/wp-json\/wp\/v2\/tags?post=106"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}