Consultants in Spain, whether self employed autonomos or a small company, are well served by online business accounts. Providers such as Finom, Wise Business and bunq accept Spain based consultants, with invoicing, cards and multi currency support. Traditional banks such as Santander and BBVA also offer accounts with branch support.
Suits Consultants best
Depends on needs. Finom suits invoicing and expense tracking, while Wise Business suits consultants billing clients abroad.
Typical monthly fee
EUR 0 to about EUR 30 a month depending on plan, as of 20 May 2026.
Works for autonomos
Yes. Several providers onboard self employed consultants as well as companies. Verify with the provider.
Providers that fit
Several. At least four providers accept this profile in Spain.
Fees and features as of 20 May 2026Last reviewed 20 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Consultants in Spain usually need a simple business account with clean invoicing, a card for expenses, and the option to bill clients abroad. Finom, Wise Business and bunq are common online choices, and they onboard both self employed autonomos and small companies, while Santander, BBVA and other traditional banks suit consultants who want branch support. Fees and features below are shown as of 20 May 2026, so confirm current terms with the provider.
What Consultants in Spain need from a business account
Consultants tend to invoice a handful of clients, keep overheads low, and sometimes work with clients abroad. The features that matter most are clear invoicing, a card for expenses, low fixed costs, and multi currency support where clients pay in another currency. Cash handling is rarely needed, so online providers fit many consultants, while a traditional bank can help where lending or in person support matters.
F
Finom
European business account with built in invoicing and accounting tools, aimed at freelancers and smaller companies. Limited cash handling.
What business account suits a consultant in Spain?
It depends on how you work. Finom bundles invoicing and expense tracking, Wise Business helps bill clients abroad at the mid market rate, and bunq offers low cost app based banking. A self employed autonomo and a small company can both open these accounts. Verify current terms with the provider. This is general information, not advice.
Can a self employed autonomo open these business accounts?
Yes. Providers such as Finom, Wise Business and bunq onboard self employed autonomos as well as companies, subject to identity and activity checks. Requirements vary by provider, so confirm what is needed before applying. As of 20 May 2026.
Can I invoice clients in another currency?
Yes. Wise Business holds and converts many currencies at the mid market rate, and Finom supports invoicing, which suits consultants with overseas clients. Conversion costs differ by provider and plan, so verify the current terms with the provider. As of 20 May 2026.
Are these accounts cheaper than a traditional bank?
Often the fixed cost is lower, since several online providers have a free tier or a low monthly plan, while traditional banks tend to charge an account maintenance fee. The cheapest option depends on your usage, so compare the fees that match your activity. As of 20 May 2026.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 20 May 2026. Confirm current terms with the provider before applying.