Open your account with your passport in just 5 min

Finally a current account for everyone! Open yours with your passport, DNI or TIE and benefit from 1 account, 1 Mastercard and 1 IBAN for only 20€/year!

Need help to open your Smile Account?

Discover the bank-free account designed for international communities

Minimum initial deposit of 5€ for the first international money transfer. *Required only if you choose a monthly plan.

Easy to open, easy to use

5 minutes and it’s yours! Because with the Smile Account we only ask you for what is really needed, and you have it at hand!

Open your account now with your ID card or passport and take control of your money!

Identity document
Proof of residence
Mobile phone and e-mail
Maintenance fee

An account for your daily transactions

Send and receive money

Deposit and withdraw cash

Make direct debit deposits

Pay bills *

Mobile top-up

Health insurance *

* Coming soon

1€ off your money transfers fees

Having a Smile account pays off. If you already have an account and want to transfer money abroad, you will always receive a fixed 1€ discount on the money transfer fee.

Enjoy a free Mastercard

When you open this current account, you will receive a free Mastercard that is accepted worldwide – you can carry it with you and use it in shops, online and at ATMs or Smile Points of Sales! The more you use it, the more rewards you unlock!

Discover more benefits of having a Mastercard!

One place for your cash

Deposit and withdraw cash instantly at ATMs or at any of our authorized Smile points of sale. We have hundreds of Smile locations throughout Europe. With the Smile Account, your cash now has!

Take control of your finances

With the Smile Account you have full control of your own finances! By managing your finances in a single account, you save time and money Transactions or checking your balance can be done in a single click. Giving you more time to enjoy the things you love most!

An account with the security of a bank but wihout

With no hidden charges

With no slowness or complication

Without direct debit of salary

3 times more economical

Our customers talk about the Smile Account

Now thousands of people have access to a current account and a Mastercard to manage their finances with total freedom.

Thousands of people, thousands of success stories that are inspiring and motivating to all those who want to fly away and start a new life.

A three times safer bank-free account

Entity regulated and authorized by he National Bank of Belgium

Payment system verified by Mastercard & VISA

Advanced anti-fraud protection and data encryption technology

Entity regulated and authorized by the National Bank of Belgium

Payment system verified by Mastercard

Advanced anti-fraud protection and data encryption technology

More than just an account

This bank-free account will help enable financial inclusion for millions of citizens living abroad. Unlike traditional bank accounts, Moneytrans is specifically designed for communities of foreign origin by creating a simple and accessible account for  everyone.  An account that answers all your financial needs in one place, making life that little bit easier.


Account opening

Opening a Smile Account is really easy! Here’s how to do it:
A Smile point of sale is a physical shop that has been officially authorised by Moneytrans to offer, sell and manage the Smile Account in Spain.  At Smile points of sale, you can open your Smile Account, operate with your card and your account, withdraw money, make deposits, make transfers and all the services offered by the Smile Account.    Some Smile points can be found in shops such as: Call shops, cigarette shops, newspaper, gift shops and many more! 

When you open your Smile Account, you’ll have access to a Mastercard debit card completely free of charge. It will be sent to your home within 5 to 10 days of opening your account. The card and pin are sent separately

This is not a commission: this initial amount is required ONLY FOR ONLINE OPENINGS and for the issuance of your card, but it will not be deducted from your account. You can spend this amount as you wish.

If the Smile Account is opened at a Smile Point of sales, it is not mandatory to make this initial deposit at the time of opening”.

Deposit of money

In addition to providing us with your personal details, we will need you to attach a photo of your European ID card, NIE or your passport, plus a proof of address. That’s it! At Moneytrans we make it easy for you. To find out how, click here
The set-up fee is the price you pay to have a Smile account and a Mastercard debit card in your name, but with Moneytrans, the payment of this fee is completely FREE.    The maintenance fee is the price that you will have to pay periodically every year for the maintenance of the account and the card, and all the services associated with the account. At Moneytrans we offer you two payment models so that you can choose the one you feel most comfortable with.  
Yes, you can. In Spain you can open the account by presenting your passport, with the exception of these countries of origin: USA, Syria, North Korea, Yemen, Iran, and Sudan.

Payment plans

To open your Smile Account we want to give you the maximum freedom so that you can decide from day one which type of plan suits you best. You will be able to choose between: 

Annual Plan: You can open your Smile Account, make a one-off payment of €20 and forget about monthly charges until the following year.   

Monthly Plan: The convenience of small micro-payments. With this plan, you can open your Smile Account and split the annual maintenance fee over 12 months, so each month you will pay €1.90.  

You will be charged the first monthly fee when you open your account, and for the remaining monthly payments, your account will be automatically debited the same amount each month.

Both your monthly and annual fees will be automatically deducted from your Smile Account balance. 
In the case of the annual plan, as it is a one-off payment, it will be made when you open your Smile Account. And you will not be charged again until the following year.    In the case of the monthly plan, the first monthly payment will be made when you open your Smile Account, and for the rest of the monthly payments, you will be charged on the 5th of each month. 
Yes, you can. After 12 months and you have completed your initial plan when you opened your account, you will be able to change to another plan if you prefer. 
In this case, you will have to wait until your next contract end date. When your contract end date is approaching, you will receive a notification to sign up, and you will be able to access your private area to manually change the plan on your account. 
If you have any doubts about which plan is best for you or any other queries about the Smile Account, you can speak to our advisors by calling 951 01 55 01, write an email to [email protected] or connect online with our multi-language customer service team in the live chat on the website by clicking on the icon in the bottom right-hand corner. 
Of course! As long as you are up to date with your monthly or annual fees, you can cancel your account in your private area. 

Information about your rights

Your account number, regardless of which EU country it’s from, should be accepted anywhere in the European Union. Your provider is breaking the law if they don’t accept your IBAN. Report your case, so we can stop it from happening again. All cases of IBAN discrimination submitted through this form will be anonymised. All personally identifiable information will be removed.

IBAN discrimination is when a bank or company doesn’t accept your IBAN because it’s not from the same country in which the bank or company is based.

For example, French IBANs look like this: FRXX XXXX XXXX, and instead, a German bank or company may insist you need a German IBAN which looks like this: DEXX XXXX XXXX, etc.

Let’s say you want to pay for your gym membership in Spain using your German IBAN: your Spanish gym would be guilty of IBAN discrimination if they didn’t accept your non-Spanish account number.

Operating the account

To activate your card, you will need to make a purchase via a contact terminal or a cash machine withdrawal. You can then start using your card to make online or contactless payments.

Activation Debit Mastercard

On your web and mobile client space, through which you can consult and manage your account from A to Z, accessible via our web page: If you have opened your Smile account in one of our branches, ask for your client number in order to easily create your Moneytrans user account.

You will find all the data previously encoded in the agency. After having clicked on the “Registration” button, click on “Register with customer code”, insert your “customer number”, your “date of birth” and find all your data.

With the Smile Account you can send and receive payments with no hassle. You can do all this on our online platform. Find out how to manage your personal area here!

If you want to transfer money into your account, you can do it online or at one of our authorised offices.

What’s more, you can withdraw cash from your account at any of our offices.

The only way to check your balance is by creating an Moneytrans user account. If you have any difficulties in doing so, please do not hesitate to contact our Customer Service team.

You can do it in two ways: by going to your nearest authorised Moneytrans branch, where an agent will help you transfer the cash to your account, or via the app or website.

Deposit money

Yes, you can! If you have a Smile Account registered in your name you will be able to top up any national or international mobile phone directly from your personal account by selecting Smile Account as payment method. The top up will be made instantly.

If you do not have enough money in your Smile account balance, and after 4 months we have not been able to collect the monthly instalments, the account will be automatically blocked and then permanently closed. 

Solving any problems [you may have]

You will receive your PIN code and your Mastercard in two separate envelopes within approximately 12 working days. If after this time you still have not received them, please do not hesitate to contact us. If you have any questions, please contact us Monday to Saturday day from 9.00am to 22.00pm and Monday from 12.00pm to 20.00pm by phone on 951 01 55 01 or by email: [email protected]

¿Un banco, un proveedor de Internet, un gimnasio, etc., no acepta tu IBAN e insiste en que necesitas una "cuenta bancaria local"? Aunque parezca legítimo, es ilegal. Se llama discriminación por el IBAN y va en contra de la ley.

Denuncia tu caso de discriminación por IBAN y nosotros lo transmitiremos a las autoridades competentes, ahorrándote las molestias.

Estamos aquí para poner fin a esto.

If your account is still in "suspended" status, you only need to pay the outstanding fees and your account will be activated the next day. If your account has been cancelled, you will need to contact our Customer Service team to find the best solution. 
You can go to one of the more than 1,000 Smile points of sale that Moneytrans has made available to you. Find them here.    If you don't have a location near you, don't worry as we will soon be notifying you of new online ways to make deposits to your account. 


Certain purchases on the Internet, you must enter a security code to validate and finalise your transaction. As soon as you open your Smile account, we will instantly send you this code by SMS. Please keep this code in a safe place so that you can make your payments online as soon as you receive your Smile card. You will be able to modify this code via your customer area afterwards.

3D Secure Compte Smile

If your Mastercard debit card is lost or stolen, you can block it instantly from the app with a single click to ensure that no one can use it. You can select the “temporarily block card” option to unblock it at any time, or the “permanently block card” option and request a new card via the “replace card” option.

You can also request a new card by calling our Customer Service, as well as if you want to change your personal details, address or telephone number.

Moneytrans Payment Services is a Payment Institution authorised by the National Bank of Belgium to offer payment account services (Smile Account). As we are not a bank, we are not backed by the deposit guarantee fund. Consequently, Moneytrans protects the funds of the Smile Accounts by depositing them in a Safeguard Account with ING Bank. This Safeguard Account separates customer funds from other company funds and is segregated, which means that ING cannot collect other debts from the balance in this account.

Contact us


Your questions are 7/7 and so are we

Get in touch with our 7-day support team that speaks your language whenever you need it. Contact us by phone, email, chat, social media or visit us in one of our 3000 agencies in Europe. You will always find our best smile.

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Dimanche : 12h00 – 20h00

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Opening hours:
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Sunday: 12pm – 8pm