TOP 10
Top 10 best online banks
TOP 10 · 2026
The ranking
ING
10/10
Direct bank without branches; known no-fee account.
✓ Pros- No-fee account
- Competitive online mortgages
✗ Cons- No branches
- Limited cash services
Openbank
9/10
Santander group's fully digital bank.
✓ Pros- Online deposits and accounts
- Branchless
✗ Cons- Fewer products than traditional
- Digital-only support
N26
8/10
European neobank with minimalist app.
✓ Pros- Fast onboarding
- Clear app
- Good for EU travel
✗ Cons- Limited cash/cheques
- Spanish support varies
Revolut
7/10
Financial super-app with FX and cards.
✓ Pros- Competitive FX
- Multiple pockets
✗ Cons- Not full bank for all products
- Paid plans
BBVA Online
6/10
BBVA digital account and banking with minimal branch need.
✓ Pros- Very complete app
- Online onboarding
✗ Cons- Fees vary by product
- Less in-person service
EVObanco
5/10
Spanish online bank with deposits and digital account.
✓ Pros- Fully online
- Historically competitive deposits
✗ Cons- No branches
- Fewer products than big banks
MyInvestor
4/10
Spanish neobank with investing and savings account.
✓ Pros- Account plus investing
- Low fund fees
✗ Cons- Less mature than ING
- Digital-only support
Unicaja Banco Digital
3/10
Unicaja group digital banking with regional presence.
✓ Pros- Regional solidity
- Renewed app
✗ Cons- Not a pure neobank
- Branches for some tasks
External third-party links. Compara10 may use UTM tracking; always verify terms on the destination site.
Finance criteria
Published fees, Spain-available products, online banking UX, support and transparency.
Other rankings
FAQ
How do we pick sites for the ranking?
We assess usability, free or fair pricing, report or service quality and recent user feedback. Order reflects general usefulness, not paid placement.
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How often is this updated?
We review rankings at least once a year or when market conditions change materially.