Compare Smile account with other accounts
We offer you detailed information about what other accounts and cards offer so that you can make the best decision
Account
100% Mobile
Deficit
Not allowed
Not allowed
Not allowed
60 days maximum
Not allowed
Cash withdrawals
Foreign currency cash withdrawals
Money transfers
Only associated to an IBAN account
Direct debit
Mobile top-up
Life insurance and repatriation
Coming Soon
Social programmes
Card
Pricing
Free
10€
€6
€10
Free
Maintenance
20€ / year
30€ / year
Free
Free
Free
Delivery time
10 days
7-10 days
7-10 days
10-12 days
Contactless
Personalisation
(Premium version)
Card type
Debit
Debit
Pre-paid
Debit
Debit
Partner
Mastercard
Mastercard
Mastercard
Mastercard
VISA
In-store payment
Mobile payment in shops
E-commerce
Cash withdrawals at ATMs
inside and outside the SEPA area
Withdrawal at official locations
Cardholders
1
1
1
1
2
Security
3D secure
3D secure
3D secure
Card replacement
€9
€10
€6
€10
Opening
Locations for opening the account
Moneytrans branches, Shops, Moneytrans App, Website
Lotteries and shops, Web (without finishing the process)
Post Office, Web, Mobile App
Web App (not in office)
LaCaixa branches, web, app
Personalised assistance
Telephone, Email, Live chat, Offices
Telephone
Telephone, Email
Chat, Email
Telephone, Email, Offices
Minimum initial deposit
Free
€3
€10
Opening requirements
- Identity document
- Proof of residence in Spain
- Telephone
- Be a tax resident
- Identity document
- Proof of residence in Spain
- Telephone
- DNI
- Proof of residence in EU
- Telephone
- Be a tax resident
- Identity document
- Proof of residence in Spain
- Telephone
- Be a tax resident
- Identity document
- Proof of residence in Spain
- Telephone
Annual maintenance
20€
€20
€0
€0
€36
Access to your account in app
Opening time
5 minutes
7 minutes
5 minutes
5 minutes
10 minutes
Limits and costs
AMT cash withdrawal cost
Price charged by the ATM operator bank
Price charged by the ATM operator bank
Price charged by the ATM operator bank
Up to 3 times a month FREE at contactless ATMs with a virtual card
Free at Caixabank ATMs
(Price charged by the ATM operator bank)
AMT cash withdrawal cost outside the SEPA area
€5
€2
1,7% of the amount
Not allowed
Cash withdrawal cost at an authorised branch or banks
€1,5
€0,5
€1
Free
Cash deposit cost at authorised branches
€0,5
€0,5
€1,5
Cost of bank account deposit
1% of the amount
2% of the amount
Cost per card deposit
3% (first time for free)
Cost per money transfer to another account of the same company
Free
Free
Free
Free
Moneybeam
Free
Cost per SEPA money transfer
2 free of charge per month
Free
€1
Free
0,40% + €1,99
Cost per international money transfer
Calculator
Not allowed
€15 - €27
ATM cash withdrawal limit
€500 / month
€300 / week
€1000 / day
€2500 / week
Cash withdrawal limit at branches
€1200 / month
€300 / week
Limit on contactless payments
Modificable
€250 / month
€250 / month
Payment limits
€2,500 / month
€1,500 / month
€20,000 / month
Limits on cash deposits
€950 / month
€950 / month
€450 por tarjeta o mobile wallet
Limits on card top-ups from third-party accounts
€10,000 / month
€950 / month
€5,000 / month
Limits on outgoing money transfers
€10,000 / month
€30,000 / month
SEPA - No
Limits on incoming money transfers
€10,000 / month
€30,000 / month
SEPA - No
*These data are collected from the commercial website of the respective financial institutions. Information not collected can be obtained by contacting them.
Account
100% Mobile
Deficit
Not allowed
Not allowed
Not allowed
60 days maximum
Not allowed
Cash withdrawals
Foreign currency cash withdrawals
Money transfers
Only associated to an IBAN account
Direct debit
Mobile top-up
Life insurance and repatriation
Coming Soon
Social programmes
Card
Pricing
Free
10€
€6
€10
Free
Maintenance