Is bunq available for business in Spain?

By Fredrik Filipsson, cofounder of Business Bank Index
Reviewed by Morten Andersen
Availability

bunq for business in Spain: Available

Key eligibility
bunq Business onboards companies registered in a set of European Union countries that includes Spain, with the requirement that all ultimate beneficial owners are resident in the European Economic Area. Standard identity and business checks apply.
Non resident position
A Spain registered company can apply, but bunq requires the ultimate beneficial owners to be EEA residents, so ownership resident outside the EEA can prevent onboarding. Confirm with bunq.
Local currency support
EUR with a Spanish IBAN option and SEPA access, plus foreign currency accounts in a range of other currencies for an added fee.
Headline monthly fee
bunq offers a free business tier and paid Core, Pro and Elite plans with monthly fees, each bundling an annual allowance of SEPA transfers. Confirm the current plan prices and limits.
Availability and fees as of 10 June 2026Last reviewed 10 June 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Yes. bunq lists Spain among the European Union countries whose registered companies can open its business account, provided all ultimate beneficial owners are resident in the European Economic Area. A Spain registered company can hold euro with a Spanish IBAN, use SEPA and add foreign currency accounts, subject to standard checks.

Does bunq serve business customers in Spain?

Yes. bunq is a Dutch neobank licensed in the European Union, and it operates across several EU markets. Its business account is offered to companies registered in a defined group of EU countries that includes Spain, and bunq also runs a branch in Spain. A Spain registered company can open a business account online, hold euro with a Spanish IBAN and use SEPA, provided all of its ultimate beneficial owners are resident in the European Economic Area. As of 10 June 2026.

Eligibility for businesses in Spain

bunq onboards companies registered in its supported EU countries, including Spain, and requires that every ultimate beneficial owner is resident in the European Economic Area. You complete identity and business verification and provide details of the company and its owners. If an ultimate beneficial owner lives outside the EEA, onboarding may not be possible. Some business types are not supported. Confirm the current rules for your company directly with bunq. As of 10 June 2026. Verify with the provider

What it costs locally

bunq offers a free business tier and paid plans, marketed as Core, Pro and Elite, each with a monthly fee and an annual allowance of SEPA transfers, after which a small per transfer fee applies. International SWIFT transfers and foreign currency handling carry their own fees, and opening a foreign currency account carries a one off fee. Confirm the current plan prices, allowances and fees with bunq. As of 10 June 2026

What local users report

Businesses and self employed people in Spain use bunq mainly for its mobile first euro account, sub accounts for budgeting and quick SEPA payments. Reported experiences vary, with common themes being the app experience and the structure of the plan fees and transfer allowances. As of 10 June 2026, confirm the current position with the provider before relying on it.

How to open bunq for business in Spain

  1. Confirm your Spain business registration and that all ultimate beneficial owners are resident in the European Economic Area.
  2. Apply in the bunq app and complete identity and business verification.
  3. Once approved, activate your euro account with a Spanish IBAN and add foreign currency accounts as needed.
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Questions about bunq in Spain

Is bunq available for business in Spain?
Yes. As of 10 June 2026, bunq lists Spain among the European Union countries whose registered companies can open its business account, provided all ultimate beneficial owners are resident in the European Economic Area. A Spain registered company can hold euro with a Spanish IBAN and use SEPA. Verify the current position with the provider. This is general information, not advice.
Who can open a bunq business account in Spain?
A company registered in Spain whose ultimate beneficial owners are all resident in the European Economic Area, and that passes bunq's identity and business checks. Some business types are not supported. If an owner lives outside the EEA, onboarding may not be possible. Confirm your eligibility with the provider, as of 10 June 2026.
Does bunq support the euro in Spain?
Yes. bunq offers euro accounts with a Spanish IBAN option and SEPA access, and it also lets you add foreign currency accounts in a range of other currencies for a fee. As of 10 June 2026, confirm the current currency list and any limits with the provider.
How much does bunq cost in Spain?
bunq offers a free business tier and paid Core, Pro and Elite plans with monthly fees, each bundling an annual allowance of SEPA transfers, after which a small per transfer fee applies. SWIFT and foreign currency handling carry their own fees. Check the current schedule with the provider, as of 10 June 2026.

Availability, fees, and eligibility change. This page was last reviewed on 10 June 2026. Confirm the current position with bunq before applying.

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