Business account fees in Spain usually fall into a handful of buckets: an account maintenance fee, card fees, transfer fees above a free allowance, cash handling charges, and currency conversion costs on payments abroad. Traditional banks lean on a maintenance fee that can be reduced when conditions are met, while neobanks tend to bundle features into a monthly plan.
- Account maintenance
- Traditional banks often charge a periodic maintenance fee, sometimes reduced or waived when conditions are met. As of 22 May 2026.
- Neobank monthly plans
- Commonly from a few euros a month, with some free tiers. As of 22 May 2026.
- SEPA transfers
- Often a number included in the plan, then a per transfer fee. As of 22 May 2026.
- Payments abroad
- Currency conversion and outgoing payment costs vary by provider and plan
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How business banking fees work in Spain
Fees on a Spanish business account usually break down into account maintenance, payments, cards, cash handling and currency conversion. The mix matters more than any single number, because a low headline price can hide charges for the things you do most. As of 22 May 2026, the practical split is between traditional banks that price around a maintenance fee and neobanks that price around a monthly plan.
Account maintenance and transfers
Traditional banks often charge a periodic account maintenance fee, sometimes called the comision de mantenimiento, which can be reduced or removed when conditions such as a minimum balance, card spend or direct debits are met. SEPA transfers in euros are commonly included up to a limit, then charged per transfer. Neobanks usually fold a number of transfers and cards into a monthly plan and charge above the allowance. Confirm the included amounts and the cost above them with the provider. As of 22 May 2026.
Cards, cash and payments abroad
Card issuance and extra cards can carry a fee, especially beyond the number a plan includes. Cash handling at a branch or machine can be charged, and many online providers limit or do not accept cash. Payments abroad add a currency conversion cost and sometimes an outgoing payment fee, which varies by provider and plan. If you bill or pay in foreign currencies, the conversion terms can matter more than the monthly price. As of 22 May 2026.
What to check before you compare
These points keep a fee comparison honest for a Spanish business account, as of 22 May 2026. Verify with the provider
- The account maintenance fee and any conditions that reduce or remove it, set against the monthly plan price at a neobank.
- The number of SEPA transfers and cards included, and the cost above the allowance, matched to how you actually use the account.
- Cash handling rules and the currency conversion cost on payments abroad, since these can outweigh the headline price.
How to compare fees
- List the things you do most, such as transfers, cards, cash and payments abroad, and write down how many of each you expect in a month.
- Map those onto each provider plan, counting what is included and what is charged above the allowance.
- Compare the realistic monthly total, not the headline price, and confirm the current fees with the provider before applying.
Compare business accounts available in Spain
These providers accept business customers in Spain. Fees and eligibility shown as of 22 May 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about business account fees in Spain
What fees do business accounts in Spain usually charge?
Are SEPA transfers free for business accounts in Spain?
How much does a neobank business account cost in Spain?
Is VAT charged on business banking fees in Spain?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 22 May 2026. Confirm current terms with the provider before applying.