Is Open Banking available in Spain?

Yes, Open Banking is available in Spain under the EU's PSD2 (Payment Services Directive 2) regulation. Banks in Spain are required to provide API access to licensed third-party providers (TPPs), enabling services like account aggregation and payment initiation.

Which banks in Spain have Open Banking APIs?

The table above lists all banks and financial institutions in Spain tracked by Open Banking Tracker, along with their API availability, sandbox status, and compliance information. Banks with a "Developer Portal" link offer documented APIs for third-party integration.

How do I connect to banks in Spain?

The easiest way to connect to banks in Spain is through an API aggregator like Plaid, Tink, TrueLayer, or other providers that offer coverage in this market. These aggregators provide a single integration point to access multiple banks. Alternatively, you can integrate directly with individual bank APIs through their developer portals.

What Open Banking regulations apply in Spain?

Spain falls under the EU's PSD2 regulation, which requires banks to provide secure API access to licensed AISPs (Account Information Service Providers) and PISPs (Payment Initiation Service Providers). Additional local regulations may also apply.

What is PSD2 and how does it affect Spain?

PSD2 (Payment Services Directive 2) is EU legislation that requires banks to open their payment infrastructure to licensed third parties. In Spain, this means banks must provide APIs for account information and payment initiation services. PSD2 also introduced Strong Customer Authentication (SCA) requirements for secure transactions.

Open Banking in Spain

Open banking in Spain is the ecosystem of licensed banks, third-party providers, and APIs that move account data and payments with customer consent. This country hub lists 733 institutions we index, with links to regulations, aggregators, and local context where we track it. Treat it as a map: a fast orientation before you read statutes, register as a TPP, or sign commercial agreements with a bank.

Explore open banking in Spain

View regulation API aggregators

733

Banks

Sandboxes

API Aggregators

#Open Banking Regulations in Spain

Regulations applicable to financial institutions operating in Spain

PSD2Active

Payment Services Directive 2

Payment ServicesSince 2018

View details

PSD3Upcoming

Payment Services Directive 3

Payment ServicesExpected 2026

View details

FIDAUpcoming

Financial Data Access Regulation

Open FinanceExpected 2027

View details

eIDAS 2.0Upcoming

European Digital Identity Regulation

Digital IdentityExpected 2024

View details

DORAActive

Digital Operational Resilience Act

Operational ResilienceSince 2023

View details

EU Instant Payments RegulationActive

Regulation on Instant Credit Transfers in Euro

Payment ServicesSince 2024

View details

#Banks & Financial Institutions in Spain

Looking for SWIFT / BIC codes? View SWIFT codes for banks in Spain.

Showing 100 of 733 banks tracked — search below covers 733View all 733 banks

733 providers searchable

Name	APIs	View
A AND G BANCA PRIVADA, S.A.	-	View
A AND G BANCO, S.A.U.	-	View
A.B. ASESORES BURSATILES BOLSA, SA, S.V.B.	-	View
A.T. EQUITIES SPAIN A.V. S.A.	-	View
A.T. EQUITIES SPAN A.V.B., S.A.	-	View
AAREAL BANK AG	-	View
AAREAL BANK AG, MADRID BRANCH	-	View
ABANCA	-	View
ABANCA CORPORACION BANCARIA, S.A.	-	View
Abanca Corporate	-	View
ABANTE ASESORES GESTION SGIIC SA	-	View
ABASIC SLU	-	View
ABENGOA	-	View
ABERTIS INFRAESTRUCTURAS, SA	-	View
ABN-AMRO, S.A. S.V.B.	-	View
ACA, S.A. SOCIEDAD DE VALORES	-	View
ActivoBank	-	View
ADVANTIC S.L	-	View
AFINA PENTOR, A.V., S.A.	-	View
AGENBOLSA A.V.B. S.A.	-	View
AGUILAR Y DE LA FUENTE, S.A. AGENCIA DE VALORES	-	View
AHORRO CORPORACION FINANCIERA, S.V., S.A.	-	View
ALANTRA EQUITIES S.V., S.A.	-	View
ALDESA CONSTRUCCIONES S.A.	-	View
ALHAMBRA PARTNERS, S.V, S.A	-	View
ALL TRADING EUROPE ASSETS AND MARKETS, S.V., S.A.U.	-	View
ALLFUNDS BANK	-	View
ALLIED BANKING CORPORATION	-	View
ALMIRALL, S.A.	-	View
ALTURA MARKETS, S.A, S.V.	-	View
ALVEAN SUGAR, S.L., BILBAO	-	View
American Express	-	View
AMERICAN EXPRESS COMPANY OF SPAIN	-	View
Andbank España Banca Privada	-	View
ANDBANK ESPANA BANCA PRIVADA, S.A.	-	View
ANDBANK ESPANA S.A.	-	View
ANDBANK WEALTH MANAGEMENT SGIIC SA	-	View
ANDINO, AGENCIA DE VALORES Y BOLSA, S.A.	-	View
ARESBANK, S.A.	-	View
ARIBAU PRODUCTOS S L	-	View
Arquia Banca	-	View
ARQUIA GESTION	-	View
ARTECHE LANTEGI ELKARTEA S.A.	-	View
ASISA, ASISTENCIA SANITARIA INTERPROVINCIAL DE SEGUROS, S.A (SOCIEDED UNIPERSONAL)	-	View
ASSOCIATES CAPITAL CORPORATION PLC SUCURSAL EN ESPANA	-	View
ATL 12 CAPITAL INVERSIONES AV, SA	-	View
ATRADIUS CREDITO Y CAUCION S.A. DE SEGUROS Y REASEGUROS	-	View
ATTIJARIWAFA BANK EUROPE SUCURSAL EN ESPANA SA	-	View
AURIGA GLOBAL INVESTORS SOCIEDAD DE VALORES, S.A.	-	View
AXA AURORA VIDA	-	View
AXA IBERCAPITAL	-	View
AXA MEDITERRANEAN SERVICES	-	View
AXA SEGUROS GENERALES, SA DE SEGUROS Y RESEGUROS	-	View
AXESOR CONOCER PARA DECIDIR SA AXESOR	-	View
B. AND T. ASOCIADOS FINANCIEROS, S.A., S.V.B.	-	View
B.I. CAPITAL A.V.B., S.A.	-	View
BANCA FARMAFACTORING S.P.A SUCURSAL EN ESPAA	-	View
BANCA FARMAFACTORING SPA SUCURSAL EN ESPANA	-	View
Banca March	-	View
BANCA MARCH, SA	-	View
BANCA NAZIONALE DEL LAVORO	-	View
BANCA POPOLARE ETICA	-	View
Banca Pueyo	-	View
BANCA PUEYO, S.A.	-	View
BANCO ALCALA S.A.	-	View
BANCO ALICANTINO DE COMERCIO S.A.	-	View
BANCO BILBAO VIZCAYA ARGENTARIA S.A.	-	View
BANCO BILBAO VIZCAYA ARGENTARIA S.A.	-	View
BANCO BPI S.A.- SUCURSAL EN ESPANA	-	View
BANCO CAIXA GERAL	-	View
BANCO CAMINOS	-	View
BANCO CANARIAS DE VENEZUELA, BANCO UNIVERSAL CA	-	View
BANCO CANARIAS DE VENEZUELA, CA	-	View
BANCO CDC URQUIJO, S.A. EDIFICIO TREBOL	-	View
Banco Cetelem	-	View
BANCO COMERCIAL MOST BANK	-	View
BANCO COMERCIAL PORTUGUES S.A.	-	View
BANCO CONDAL, S.A.	-	View
BANCO CONSOLIDADO	-	View
BANCO CONSOLIDADO ESPANA, S.A..	-	View
Banco Cooperativo	-	View
Banco Cooperativo Español (Caja Rural)