● 🇪🇸 España · 15 MiCA - plataformas que cumplen con la normativa 15 PLATFORMS UPDATED 23 APR 2026

Los mejores bancos de criptomonedas en España en 2026

MiCA Plataformas de banca criptográfica que cumplen con la normativa para usuarios españoles. Todas las opciones con licencia de la UE clasificadas según seguridad normativa, IBAN, APY, y comisiones. Actualizado en abril de 2026.

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§ 01 LOS TRES PRIMEROS · SPAIN

For this region, ranked.

◆ TOP PICK

#1 8.5 / 10

Revolut

The all-in-one account — banking, crypto, investing

USDC APY 12.3%

Open → Review

#2 8.0 / 10

Xapo Bank

Gibraltar-licensed Bitcoin bank — USD checking + cold-storage BTC

USDC APY 4.5%

Review → Review

#3 7.8 / 10

Nexo

Highest yield + instant crypto loans

USDC APY 7.5%

Open → Review

§ 02 REGULADORES QUE COMPROBAMOS

Seven authorities. One passport.

◆ 01

CNMV (ES)

◆ 02

MiCA (EU)

◆ 03

BdE

◆ 04

BaFin (DE)

◆ 05

AMF (FR)

◆ 06

CONSOB (IT)

◆ 07

CySEC (CY)

Revisado por Stephan Kulik · Última actualización: 2026-03-13 · Cómo elaboramos nuestra clasificación

FILTER

# PLATFORM LICENCE REGIONS TOP APY CARD IBAN POR SPREAD SCORE ▾ ACTION

Revolut

◆ EDITOR'S PICK

EU · MiCA 7 12.3% Yes EUR/GBP — 1.99% 8.5

OPEN ↗

Xapo Bank

◆ EDITOR'S PICK

Gibraltar GFSC banking licence 4 4.5% Yes — — 0% 8.0

REVIEW →

Nexo

◆ EDITOR'S PICK

EU · MiCA 13 7.5% Yes — Armanino 0.5% 7.8

OPEN ↗

Coinbase

US · FDIC 10 3.9% Yes — — 0.5% 7.0

OPEN ↗

Luno

FCA Cryptoasset Firm 7 4.0% — — — — 7.0

REVIEW →

Strike

FinCEN MSB 5 — — — — — 6.8

REVIEW →

Crypto.com

EU · MiCA 15 14.5% Yes — — 0.4% 6.7

OPEN ↗

Brighty

EU · MiCA 1 10.0% Yes EUR/GBP — 1% 6.5

OPEN ↗

Binance

FIU India Registered 10 10.5% Yes — — 0.1% 6.4

OPEN ↗

#10

Wirex

FCA Registered 12 8.0% Yes — — 1% 6.0

OPEN ↗

#11

Sygnum Bank

EU · MiCA 2 10.0% — EUR/GBP — — 5.9

OPEN ↗

#12

AMINA Bank

FINMA Banking Licence 3 — — EUR/GBP — — 5.6

REVIEW →

#13

Mode

FCA EMI 2 — Yes EUR/GBP — — 5.5

REVIEW →

#14

Ledn

Proof of Reserves 10 8.5% — — — — 5.4

OPEN ↗

#15

Plutus

FCA Authorised 2 — Yes EUR/GBP — 1.5% 5.2

OPEN ↗

◆ AFFILIATE DISCLOSURE — commission on 10 of 15 links · payout does not influence rank · see methodology → AUTO-REFRESH DAILY

REGULATORY SAFETY 2×

Bank licence, MiCA, FDIC, deposit insurance

CARD + IBAN 1.5×

Multi-currency, global card, ATM coverage

TRANSPARENCY 1.5×

Proof of Reserves, audit cadence, public filings

YIELD 1×

Stablecoin APY net of token requirements

Los mejores bancos de criptomonedas en España en 2026

For this region, ranked.

Seven authorities. One passport.

Every platform we track, compared on every axis.