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

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

Delivery time

10 days

7-10 days

10-12 days

Contactless

Personalisation

(Premium version)

Card type

Debit

Pre-paid

Debit

Partner

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

2 Security

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

- Email

- Telephone

- Be a tax resident

- Identity document

- Proof of residence in Spain

- Telephone

- DNI

- Proof of residence in EU

- Email

- 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

€36

Access to your account in app

Opening time

5 minutes

7 minutes

5 minutes

10 minutes

Limits and costs

AMT cash withdrawal cost

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

€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

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

Payment limits

€2,500 / month

€1,500 / month

€20,000 / month

Limits on cash deposits

€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

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
Maintenance
Delivery time
Contactless
Personalisation
Card type
Partner
In-store payment
Mobile payment in shops
E-commerce
Cash withdrawals at ATMs inside and outside the SEPA area
Withdrawal at official locations
Cardholders
Security
Card replacement

Pricing

Free

10€

€6

€10

Free

Maintenance

20€ / year

30€ / year

Free

Delivery time

10 days

7-10 days

15 days

Contactless

Personalisation

(Premium version)

Card type

 Debit

Pre-paid

 Debit

Partner

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

2

Security

3D secure

Card replacement

€9

€10

€6

€10

Opening

Locations for opening the account

Moneytrans branches, Shops, App, Website

Lotteries and shops, Web (without finishing the process)

Post Office, Web, Mobile App

Online (web or app)

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

- Email

- Telephone

- Be a tax resident

- Identity document

- Proof of residence in Spain

- Telephone

- DNI

- Proof of residence in EU

- Email

- 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

€36

Access to your account in app

Opening time

5 minutes

7 minutes

5 minutes

10 minutes

Limits and costs

AMT cash withdrawal cost
AMT cash withdrawal cost outside the SEPA area
Cash withdrawal cost at an authorised branch or bank
Cash deposit cost at authorised branches or banks
Cost of bank account deposit
Cost per card deposit
Cost per money transfer to another account of the same company
Cost per SEPA money transfer
Cost per international money transfer
ATM cash withdrawal limit
Cash withdrawal limit at branches
Limit on contactless payments
Limit on payments
Limits on cash deposits
Limits on card top-ups from third-party accounts
Limits on outgoing money transfers
Limits on incoming money transfers

AMT cash withdrawal cost

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 bank

€1,5

€0,5

€1

Free

Cash deposit cost at authorised branches or banks

€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

(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

€1,000 / day

€2,500/week

Cash withdrawal limit at branches

€1200 / month

€300 / week

Limit on contactless payments

Modificable

€250 / month

Limit on payments

€2.500 / month

€1.500 / month

€20,000 / month

Limits on cash deposits

€950 / month

 €450 by card or mobile wallet

Limits on card top-ups from third-party accounts

 €10.000 / month

€950/ month

€5.000 /day

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

Cookie	Duration	Description
_icl_visitor_lang_js	3 days	WordPress. Identification of the user's language.
catAccCookies	1 month	First Party. To see if the user has accepted the cookies policy.
cookielawinfo-checbox-functional	1 year	First Party. Remember user consent for cookies categorised as "Functional".
cookielawinfo-checbox-others	1 year	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-advertisement	1 year	First Party. Remember the user's consent for cookies categorised as "Advertising".
cookielawinfo-checkbox-analytics	1 year	First Party. Store the user's analytics cookie consent status.
cookielawinfo-checkbox-necessary	1 year	First Party. Cookie that keeps a record of the cookies you approved.
cookielawinfo-checkbox-non-necessary	30 minutes	First Party. Technical and strictly necessary cookie that contains the value of whether you have accepted the cookies and privacy policy.
cookielawinfo-checkbox-opcionales	1 year	First Party. Allows you to remember your preference regarding the choice of optional web cookies.
cookielawinfo-checkbox-performance	1 year	First Party. Remember the user's consent for cookies categorised as "Performance".
CookieLawInfoConsent	1 year	First Party. Acceptance of the cookies policy.
Local storage	Persistent	First Party. Local storage of data from web applications used by the user.
partner-sec-context	3 hours	Own. Stores the identifier of the security context of use of the application.
partner-sec-token	3 hours	Own. Saves the identifier token of the security session.
Session Storage	Persistent	First Party. Local storage of data from web applications used by the user.
viewed_cookie_policy	1 year	First Party. Cookie for internal use necessary for the functioning of the display of the cookies policy of the website.
wp-site	2 months	Own. Indicate the country (operational) of the client.
wp-wpml_current_language	Session	WordPress. Saves the language selected by the client Wordpress.
wpml_browser_redirect_test	Persistent	WordPress. Identifies the user's language.

Cookie	Duration	Description
_ga	End of session	Google. Used to distinguish users.
_ga_TL96VCEX2K	2 years	Google. Unknown.
_gat	10 minutes	Google. Differentiates between the different tracking objects created in the session.
_gat_UA-*	Session	Google. Analyse user experience on the web.
_gid	1 year	Google. Distinguishes users.
_hjAbsoluteSessionInProgress	1 day	Hotjar. Counting the number of times a website has been visited by different visitors.
_hjFirstSeen	1 hour	Hotjar. Detect if it is the first time that the user arrives at the domain.
_hjid	1 year	Hotjar. Conserve user identification randomly and uniquely when the user first arrives at a page with the Hotjar script.
_hjIncludedInPageviewSample	1 day	Hotjar. Determine if the user's navigation should be recorded in a certain statistical place.
_hjIncludedInSessionSample	Session	Hotjar. Know if that visitor is included in the data sampling.
_hjTLDTest	Session	Hotjar. Determine the most generic cookie path to use.
cli_user_preference	1 year	First Party. Storing the user's cookie consent status.
intercom-id-*	9 months	WordPress. Anonymous visitor identification.
intercom-session-*	7 days	WordPress. Session tracking and remembering session and conversation clues.
NID	6 months	Google. Registers an ID.
Session Storage	End of session	Youtube. Collect information necessary to provide the service.
Session storage	Persistent	Google. Local storage of data from the web applications used by the user.

Cookie	Duration	Description
G_ENABLED_IDPS	persistent	Google. Used for Google single sign-on.
Session Storage	Persistent	Youtube. Storage of user information for web applications.
test_cookie	Session	Doubleclick . Checks if the browser accepts cookies.

Cookie	Duration	Description
GOOGLE ADS	13 months	Google Ads. "Google Ads is an online advertising platform developed by Google, where advertisers bid to display short ads, service offers, product listings or videos to web users. You can place ads on search engine results, websites, mobile apps and non-search videos." https://business.safety.google/adscookies/
IDE	1 year	Doubleclick. Advertising optimization.
META ADS	3 months	_fbp. Provides advertising products such as bids. "Meta, through Facebook Ads, collects data that helps us to show you relevant ads, track conversions from Facebook ads, optimise ads, create specific audiences for future ads and re-target users who have already taken an action on our websites. In particular, the pixel itself is used to distinguish and track unique customers." https://www.facebook.com/legal/controller_addendum
META ADS (II)	3 months	fr. Facebook's main advertising cookie. "Meta, through Facebook Ads, collects data that helps us to show you relevant ads, track conversions from Facebook ads, optimise ads, create specific audiences for future ads and re-target users who have already taken an action on our websites. In particular, the pixel itself is used to distinguish and track unique customers." https://www.facebook.com/legal/controller_addendum
OUTBRAIN	5 minutes	outbrain_cid_fetch. To compile statistical reports. "Outbrain is a content marketing service. It provides targeted native advertising services, helping Moneytrans to retarget unconverted users." https://www.outbrain.com/help/advertisers/outbrain-tracking/#:~:text=We%20collect%20the%20IP%20address,profile%20and%20recommend%20personalized%20content.
TABOOLA	1 year	Taboola "Taboola is a content marketing service. It provides targeted native advertising services, which helps Moneytrans to retarget unconverted users and understand the actions customers take on our site after clicking on a Moneytrans ad." https://www.taboola.com/policies/cookie-policy
YOUTUBE	179 days	VISITOR_INFO1_LIVE. Attempts to calculate user bandwidth. "YouTube is a Google-owned platform for hosting and sharing videos. YouTube collects user data through videos embedded on websites, which is aggregated with profile data from other Google services to display targeted advertising to web visitors on a wide range of its own and other websites." https://www.youtube.com/t/terms
YOUTUBE (II)	Persistent	CONSENT. It improves advertising, often used to target the user. "YouTube is a Google-owned platform for hosting and sharing videos. YouTube collects user data through videos embedded on websites, which is aggregated with profile data from other Google services to display targeted advertising to web visitors on a wide range of its own and other websites." https://www.youtube.com/t/terms
YOUTUBE (III)	Session	YSC. Logs a unique ID to know which videos the user has watched. "YouTube is a Google-owned platform for hosting and sharing videos. YouTube collects user data through videos embedded on websites, which is aggregated with profile data from other Google services to display targeted advertising to web visitors on a wide range of its own and other websites." https://www.youtube.com/t/terms

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Compare Smile account with other accounts

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

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

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