Free banking tools for Spain
Understand your bank in seconds.
Check an IBAN, work out your mortgage payment or the real cost of a loan, and see when your transfer will arrive. Free, with no sign-up, in your browser.
- Free, with no sign-up
- What you type never leaves your browser
- Rules and data from official sources
- Independent: we're not a bank
Tools
For everyday questions
Whether an IBAN is right, what you'll pay each month, what a loan really costs and when the money will arrive.
- ToolIBAN validator: check an account and its bankPaste an IBAN and see at once whether it's written correctly, which country and bank it belongs to and its BIC. Or work out the IBAN of a Spanish account.
- ToolSpanish bank codes and BICsFind the bank behind an IBAN from its bank code, or look up a bank's BIC for an international transfer.
- ToolMortgage calculator: fixed, variable or mixedWhat you'll pay each month, the total interest and what you'll still owe at the end of each year, with the latest official Euribor.
- ToolPersonal loan calculator with TAEThe monthly payment, what you pay in interest and fees, and the TAE that lets you compare offers.
- ToolCompound interest and savings calculatorWhat you'll have at the end, how much of it is interest and how much the tax office keeps along the way.
- ToolSpanish bank business days and when a transfer arrivesThe days banks may not process standard transfers, region by region, and the day yours will arrive.
How we work
Clear, free and trustworthy
- IndependentWe're not a bank and don't work for one. If we ever recommend a product, we'll say so clearly.
- PrivateThe tools run in your browser. We use no cookies and keep nothing you type.
- SourcedRules, holidays and limits come from the BOE, the Banco de España and other official sources, cited on every guide.
- No passwordsWe'll never ask for your passwords, bank codes or card details. Anyone who does in our name is a fraudster.
Guides
What your bank doesn't always explain
Short explanations with examples and the rules that apply in Spain.
- GuideHow long does a bank transfer take?Standard or instant, at a weekend or on a holiday: the time limits the law sets and why transfers sometimes take longer.
- GuideTIN and TAE: what they are and how they differTwo interest rates in every Spanish offer: one to work out the payment and one to compare.
- GuideFixed, variable or mixed mortgage: which to chooseThe difference is who takes the risk that interest rates rise: you or the bank.
- GuideRepaying your mortgage early: fees and how to do itThe law lets you repay your mortgage whenever you like and caps what the bank can charge for it.
- GuideSpain's deposit guarantee fund: what it covers and how muchWhat happens to your money if your bank fails, and how to spread it so it stays protected.
Questions
Frequently asked questions
Is bancos.app a bank?
No. It's an independent site of tools and information: it isn't a bank, isn't linked to any institution and will never ask for your passwords, codes or card details.
Do you keep what I type into the tools?
No. Every calculation happens in your browser and nothing is sent. We don't use cookies or analytics either, as the privacy policy explains.
Where does the data come from?
Bank codes from the Banco de España register, holidays from the BOE, the Euribor from the Banco de España's official publication in the BOE, and rules from the legal texts. Every page cites its sources.
Are the calculators exact?
They give estimates from the figures you type. What counts is your bank's offer: compare the TAE and total cost it states.
General information, not financial advice. The calculators give estimates: what counts are the terms of your bank's offer. bancos.app is not a bank and isn't linked to any bank.