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← Embedded Finance Index 2026/Countries/Spain

🇪🇸 Embedded finance in Spain

View 60 companies on the map →

60 companies headquartered in Spain are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

60
Companies analyzed
49 (82%)
Name at least one embedded-finance provider
20
Hold a licence issued in Spain
5
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in Spain run

Companies that name at least one provider for the layer on a sourced page, out of 60.

Payments (PSP) · 58%
35
Accounts / BaaS · 40%
24
Card issuing · 38%
23
Lending / BNPL · 27%
16
Open banking / data APIs · 20%
12
FX / payouts · 18%
11
Insurance · 15%
9
KYC / fraud · 15%
9
Crypto / stablecoin · 5%
3
Payroll · 3%
2
Providers

The providers companies in Spain name most

Payments
8
4
3
3
2
PagoNxt Payments Hub
1
Accounts / BaaS
3
2
Open Bank
2
2
2
1
Card issuing
Open Bank
2
2
2
1
1
Bankinter
1
Lending / BNPL
Open Bank
2
2
1
1
1
Bankinter
1
Insurance
2
Santander Intermediación Correduría de Seguros
1
AXA Partners
1
1
Zurich Insurance
1
Sucursal en España
1
Open banking & data APIs
3
3
2
Santander Open
1
1
1
KYC
2
2
1
Authenticate.com
1
1
1
FX / payouts
2
Devengo
1
TropiPay
1
CaixaBank
1
1
1
Sponsor banks
Open Bank
1
1
1
Licences issued in Spain

20 companies hold at least one; a company can hold several kinds.

Bank / credit institution
10
E-money institution
4
Account information / payment initiation
3
Payment institution
3
Insurance
2
Investment firm / crypto
2
Lending / consumer credit
1
Accounting systems they connect to

Companies that list a connector for the system.

Oracle NetSuite
3
SAP
3
Sage
2
Xero
2
Who they are
Fintech
17
Vertical SaaS
17
Bank
7
Horizontal SaaS
7
Infrastructure
6
Marketplace
4
E-commerce
1
Telco
1
Companies

Companies headquartered in Spain

Air EuropaAmadeusBanco SabadellBanco SantanderBankinterBarkibuBbvaBetterflyBit2MeBizumCaixabankCausa PrimaCobeeCooltraDevengoDineo CreditoeDreams ODIGEOEstrella GaliciaFactorialFintonicGlovoHBX GroupHoldedHubucIbancarIbercaja BancoIESA (TucoBan)LoaneyLodgifyMinsaitMyInvestorNebeusOpenbankOpenbank PayPayflowPecunpayPlazoRebellion PayRevelockSantanderSequraTelefónicaTropipaytugestoTypeformUniboWallapopWebCargoZaraZinia
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