Wise

Wise provides a multi‑currency account, low‑margin currency conversion and international money transfers you can use when you move money to Spain — for example to pay a Spanish mortgage, transfer a pension, or receive local‑currency payments. Their online pricing calculator shows fees and estimated arrival times for each transfer so you can compare costs before you send. ([wise.com](https://wise.com/))

For people moving to Spain Wise offers Spanish‑market services through a Spanish branch (Wise España) and supports EUR accounts/IBANs, local currency payments and card spending in euro. Their UK entities are authorised by the Financial Conduct Authority and Wise publishes the FCA firm reference numbers on its legal and help pages. ([wise.com](https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region/0en7iDUTYi.eot?utm_source=openai))

1. Open a Wise account online or in the app and choose the personal or business product.

2. Complete identity and address verification by uploading the documents requested during sign‑up.

3. Get EUR account details (local IBAN) where available, or prepare a transfer using the pricing calculator to Spain.

4. Initiate a transfer or set up recurring payments; Wise shows fees, exchange rate and estimated arrival before you confirm.

5. Receive funds in Spain into the EUR balance or withdraw to a Spanish bank account or spend with a Wise card (card availability depends on country). ([wise.com](https://wise.com/))