Agencies in Spain are well served by online business accounts. Providers such as Finom, Wise Business and bunq accept Spain based agencies, with cards, multi currency and invoicing or accounting tools. Traditional banks such as Santander and BBVA also offer agency accounts with branch support and lending.
Suits Agencies best
Depends on needs. Finom suits invoicing and accounting in one place, while Wise Business suits agencies billing or paying abroad.
Typical monthly fee
EUR 0 to about EUR 40 a month depending on plan, as of 23 January 2026.
Non resident position
Possible with full checks. Most online providers need a Spain or EEA registered business and a local address. Unclear cases, verify with the provider.
Providers that fit
Several. At least four providers accept this profile in Spain.
Fees and features as of 23 January 2026Last reviewed 23 January 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Creative, marketing and communication agencies in Spain usually need a business account with cards and spend controls for the team, clean invoicing, and multi currency support for overseas clients and freelancers. Finom, Wise Business and bunq are common online choices, while Santander, BBVA and other traditional banks suit agencies that want branch support or lending. Fees and features below are shown as of 23 January 2026, so confirm current terms with the provider.
What Agencies in Spain need from a business account
Agencies bill clients on projects, run a team, and often work with clients or freelancers abroad. The features that matter most are cards with spend limits, invoicing and accounting tools, multi currency accounts to reduce conversion costs, and tidy records for reconciliation. Cash handling is rarely a priority, which is why online providers fit many agencies, though traditional banks remain useful where lending or branch services are needed.
F
Finom
European business account with built in invoicing and accounting tools, aimed at freelancers and smaller companies. Limited cash handling.
It depends on how your agency works. Finom bundles invoicing and accounting with the account, Wise Business helps pay overseas freelancers at the mid market rate, and bunq offers app based banking with sub accounts. Compare the features your agency uses and verify current terms with the provider. This is general information, not advice.
Can an agency get cards with spend limits?
Yes. Providers such as Finom and bunq offer additional cards with spend controls, usually on paid plans. The number of free cards and the cost of extra cards vary by plan, so check the current pricing with the provider. As of 23 January 2026.
Do these accounts handle foreign currency for overseas clients?
Yes. Wise Business holds and converts many currencies at the mid market rate, which suits agencies billing or paying abroad. Conversion costs and included allowances differ by provider and plan. Verify the current foreign exchange terms with the provider. As of 23 January 2026.
Can an agency deposit cash with these providers?
Online providers such as Wise Business, Finom and bunq generally do not accept cash deposits, or limit them. If your agency handles cash, a traditional bank account may fit better. Confirm cash handling rules with the provider, since policies change. As of 23 January 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 23 January 2026. Confirm current terms with the provider before applying.