Money & payments in Spain — what locals actually use

Apps, local services, useful places and traveler tips — the practical answer, in one place.Banking and money apps

11 picksUpdated May 4, 2026

Quick answer

Cards work in most places in Spain, but check which local wallet and contactless method are actually accepted before you arrive. Always carry a small amount of cash as backup.

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11 picks

Tools locals use

Apps, websites and services we've vetted for money & payments in Spain.

Tools locals use

11 picks

11 results

App

Bizum

Bizum is an instant payment service integrated into Spanish banking apps, allowing quick and easy money transfers between individuals.

App

Revolut

Revolut, primarily a financial super app, also offers eSIM plans for prepaid data in Mozambique and other countries, integrated within its banking services.

App

N26

A mobile-first bank offering easy and modern banking solutions.

App

BBVA

A leading Spanish retail bank offering a wide range of financial products and services.

4.8(5.9M)

CaixaBank Now

The mobile banking app for CaixaBank, another major Spanish bank, offering comprehensive financial services.

4.9(1.1M)

Western Union

Another major global player for international money transfers, offering services for sending and receiving funds.

App

XE Money Transfer

International money transfers and currency conversion.

Official site

Wise (formerly TransferWise)

A global technology company that facilitates international money transfers and offers insights on corporate taxation for international expansion in Belgium.