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Main Advantages of ABANCA Current Accounts

Advantages of bank accounts

Keeping your money in a bank account is not just a matter of safekeeping; it’s the tool that allows you to use digital channels, save your money, and plan your future with professional tools.

Security and protection of your money:

At ABANCA, we dedicate significant efforts to protect your capital and your data, with state-of-the-art protocols and strict regulatory compliance:

  • Strong Customer Authentication (SCA): we implement multi-factor identification. To operate, we combine your password with biometrics (facial or fingerprint) or one-time codes sent to your mobile.
  • Bank-Grade Encryption: we use high-security protocols so that the information between your device and our servers remains private and unreadable to third parties.
  • Deposit Guarantee Fund Protection: as a participating institution, your savings are legally guaranteed up to a maximum of €100,000 per depositor, offering full coverage in case of insolvency.
  • Active Security from the App: with Llave ABANCA we reduce the risk of phishing. You can instantly "turn on" or "turn off" your cards and receive real-time notifications of every transaction for absolute control against fraud.

Check our security and privacy policy

Greater financial control:

Your ABANCA account offers you advanced tools for precise financial planning:

  • Digital financial health:
    • Automatic categorization: classifies your purchases (leisure, home, bills) to identify where you can save.
    • Real-time balance: Shows you the available balance, once pending expenses are deducted, so you know exactly how much money you have.
    • Bill forecast: receive alerts for upcoming charges to avoid overdrafts and organize your expenses.
  • 24/7 Omnichannel Management: you choose how and when to operate with maximum security:

Access to digital payments and services:

Forget cash and manage your payments instantly with total convenience and security:

  • Mobile payments and Bizum: send or receive money instantly using just a phone number. Link your cards to Apple Pay or Google Pay to pay in stores with your mobile or smartwatch.
  • Bill management: Direct debit automates your electricity, water, or internet bills, avoiding service interruptions due to forgetfulness or late payment fees.
  • SEPA transfers: send money nationally and internationally (within the EU) in euros quickly and securely from the ABANCA App.
  • Secure e-commerce: shop online with the peace of mind of double authentication and total control over your card limits from your mobile device.

Building a credit profile:

An account doesn’t just hold your money; it builds your reputation with the financial system through the following pillars:

  • Proof of solvency: the recurring deposit of your salary or self-employed income allows you to show your real economic capacity.
  • Responsible payment habits: the recurring payment of direct debits reflects control over your finances, a key factor that ABANCA uses for risk analysis in future applications for other products or services.
  • Access to financing: a good credit profile is the key to applying for personal loans or your future mortgage.

Why choose an ABANCA Online Account

ABANCA's philosophy is "zero complications." Most of our Online accounts have no maintenance or administration fees. We want your money to stay where it should: where you can access it whenever you need it.

Fees and conditions: clarity from day one:


Our online accounts have no maintenance fees, and you also won't have to pay for the issuance and maintenance of your debit cards or for standard euro transfers from your app. You will only have to pay in very specific cases (such as overdrafts if charges are made to your account and you don't have sufficient funds, or SMS alert services you have requested). And you will always know what you are paying for.

Table of current fees and rates (Main services):


ServiceOnline AccountHigh-Yield AccountYouth Paycheck AccountYouth Non-Paycheck AccountSelf-Employed AccountJoint Account
BenefitUp to 500€ per salary.1
No fees		2%APR on your savings for the first year with a direct-deposited salary1Up to 500€ per salary.1
No fees		No feesUp to 500€ for social security direct deposit1
No fees		2 holders
Up to 1000€ per salary1
Condition100% digital management100% digital managementUp to 35 years old
100% digital management		100% digital management2 holders
100% digital management
Maintenance and administration€0
by maintaining a digital profile2		€0
by maintaining a digital profile2		€0
by maintaining a digital profile2		€0
by maintaining a digital profile2		€0
by maintaining a digital profile2		€0
by maintaining a digital profile2
Online SEPA transfersFree
for non-urgent shipments in the EU		Free
for non-urgent shipments in the EU		Free
for non-urgent shipments in the EU		Free
for non-urgent shipments in the EU		Free
for non-urgent shipments in the EU		Free
for non-urgent shipments in the EU
Issuance/maintenance0 €0 €0 €0 €0 €0 €
Cash withdrawal
(ABANCA ATMs)		FreeFreeFreeFreeFreeFree
1) 24-month commitment
2) Customers who carry out their usual transactions through the app or online banking. Who do not carry out over-the-counter transactions such as deposits or withdrawals of less than €600 (which can be done at some of our ATMs) or transfers and account-to-account transfers (which can be done for free from the app) for two consecutive months.

Benefits of Direct Depositing Your Salary


By bringing your salary to ABANCA, you can receive up to €500. We not only offer you direct financial benefits, but you’ll also have access to other promotions. Additionally, by having your salary directly deposited, you’ll receive bonuses on lending products.

Security and Protection: Your Peace of Mind Is Our Priority


ABANCA is a member of the Deposit Guarantee Fund for Credit Institutions, which guarantees up to €100,000 per account holder. We also monitor transactions to detect irregular activity and prevent potential fraud.

Digital Accessibility: Your Bank in Your Pocket


Our app is one of the highest-rated on the market. With it, you can:

  • Send money instantly with Bizum.
  • Make free SEPA transfers for non-urgent payments within the EU.
  • Manage and return direct debits with a single click.
  • Turn your cards on and off for security.
  • Apply for new products 100% digitally with biometric signature.

Cards and International Operations


Do you like to travel? With our cards, you can withdraw cash abroad and make purchases in other currencies under very competitive conditions. Forget about high fees when paying for dinner in London or New York.

Tailored to Different Profiles


We don’t all need the same things. That’s why we offer advantages tailored to each client:

  • Young people: Accounts for those under 35 with benefits for your travels.
  • Families: Joint accounts for easier shared management and specific accounts for minors.
  • Businesses: Accounts tailored to your business needs, with benefits for your payment solutions (POS) and customized financing.

Physical Network and Hybrid Service


Although we are a digital bank, we have more than 900 branches where we can assist you in person. We believe in a hybrid model: do everything from your mobile, but come see us if you need expert advice for a mortgage or investment.

24/7 Specialized Support


If you lose your card at 3 a.m. on a Sunday, we’ll be there. We offer immediate assistance through the app and phone banking. We’ll send you real-time security push alerts so you’re always in control.

Access to Complementary Products


Being an ABANCA account holder is your gateway to a complete financial ecosystem:

Why trust ABANCA

Trusting us means choosing a bank that combines cutting-edge technology with the closeness you've always known. Our priority is transparency: no fine print, using language you understand, and providing tools that make your life easier, not more complicated.

Become a customer