Calculator
Bank comparator
Side-by-side Iberian and multi-currency banking options. Updated 2026.
| Bank | Country | Fees | Multi-currency | App | Branch | Expat-friendly |
|---|---|---|---|---|---|---|
| Sabadell · Expat | Spain | Free with €700/mo income | No | ★★★★ | ★★★★★ | ★★★★★ |
| BBVA · Online | Spain | €16/mo if conditions unmet | Limited | ★★★★★ | ★★★★ | ★★★★ |
| Santander · One | Spain | Free with conditions | No | ★★★★ | ★★★★★ | ★★★★ |
| Millennium BCP | Portugal | €60-90/yr typical | No | ★★★ | ★★★★★ | ★★★★ |
| ActivoBank | Portugal | Free | No | ★★★★★ | ★★ | ★★★★★ |
| Gibraltar International Bank | Gibraltar | GBP £180/yr typical | Yes (GBP/EUR) | ★★★ | ★★★★ | ★★★★★ |
| Wise (multi-currency) | UK-licensed | Per-transaction | Yes (40+) | ★★★★★ | - | ★★★★★ |
| Revolut Premium | EU-licensed | £7.99/mo | Yes (30+) | ★★★★★ | - | ★★★★ |
Subjective ratings based on buyer feedback and our own use. Not exhaustive. Bank policies change quarterly, always confirm direct with the institution.
Related
Country-specific banking deep dives
The comparator is the short version. The deep dives explain how to actually open an account in each country, NIE/NIF/Cat 2 vetting, and FX strategy.
Deep dive
Spanish banking for UK movers
Sabadell, BBVA, Santander, Openbank — what each requires from a British applicant.
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Portuguese banking for UK movers
ActivoBank, Millennium BCP, Novo Banco, fiscal-representative requirement.
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Gibraltar banking for UK movers
GBP-zone banking inside Iberia. Vetting, source-of-funds, frontier-worker setup.
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Reference
2026 income thresholds for visas
The income figures your bank may ask you to evidence on account opening.
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