What B100 does

B100 is a 100% digital retail banking brand operating exclusively in Spain, launched in 2020 as a commercial brand of ABANCA Corporación Bancaria S.A., one of Spain's largest banking groups supervised by Banco de España. The company serves individual consumers through a mobile-first platform (iOS and Android) with no physical branches, offering a fee-free current account (Cuenta B100, 0% TAE), a high-yield savings account (Cuenta Save, up to 2.50% TAE), and a health-linked savings account (Cuenta Health, up to 3.00% TAE). Its flagship Pay to Save debit card donates 25% of interchange fee revenue to ocean plastic cleanup through its partnership with Gravity Wave, embedding environmental impact into core transaction mechanics.

The company's core technology is built on ABANCA's existing banking infrastructure, with proprietary frontend features that integrate health-tracking APIs (Apple Health, Google Health Connect) with savings interest rates via the Move to Save (walking rewards) and Off to Save (social media usage reduction) features. Supporting capabilities include computer vision for video-identification onboarding, biometric authentication, behavioral anomaly detection for fraud prevention, and a generative AI-powered 24/7 customer service chatbot. The platform supports up to 8 virtual cards per user, automatic savings rules (rounding-up, periodic transfers, percentage-of-income), and integrates with Bizum and Halcash for domestic payments and ATM withdrawals.

B100's revenue model is fee-free on the customer side, relying instead on interchange fees from card transactions (with 25% donated to Gravity Wave) and the interest rate spread between savings rates offered to customers and the rate at which ABANCA deploys those deposits. Distribution is entirely product-led via the app store, organic social media (Instagram, X, LinkedIn, TikTok), a content marketing blog, and word-of-mouth. Customer support is delivered through the AI chatbot, telephone, and social media channels. The bank is targeted at Spanish digital-first consumers, health-and-wellness-motivated savers, young adults/students (including Erasmus participants), frequent travelers, and environmentally-conscious consumers.

Name

B100

Legal name

ABANCA Corporación Bancaria S.A.

Website

https://b100.es

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

B100 is a 100% digital Spanish retail bank brand of ABANCA offering fee-free current accounts, high-yield savings, and a debit card that donates 25% of interchange fees to ocean plastic cleanup, targeting health-, sustainability-, and digital-first consumers in Spain.

Ownership category

akta.pro rank

Headquarters

HQ city

Betanzos (A Coruña)

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Interchange Fees (Card Transaction Fees): B100 earns interchange fees on every transaction made with its Pay to Save debit card. 25% of these interchange fee revenues are donated to Gravity Wave for ocean plastic cleanup. The remainder contributes to B100's operating revenue.
2. Traditional Banking Fees (Minimal): B100 charges no maintenance, administration, or transfer fees. Some ancillary services may have costs, which are always disclosed before execution. Revenue is not primarily derived from fees.
3. Interest Rate Spread: B100 offers savings accounts with interest rates (up to 3% TAE on Cuenta Health) funded by ABANCA. The bank earns a spread between the rate paid to savers and the rate at which ABANCA can lend or invest those deposits.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

B100 is a fully digital Spanish neobank brand of ABANCA that provides a fee-free mobile current account, high-yield savings accounts (including a health-linked savings account), and a debit card called Pay to Save that donates 25% of interchange revenue to ocean plastic cleanup. Customers onboard entirely through the iOS/Android app in approximately 5 minutes and access all services digitally, with no physical branches.

Product overview

B100 is a digital bank brand from ABANCA offering "Healthy Banking" - a unified platform combining financial services with health and environmental wellness. The core product portfolio includes: Cuenta B100 (fee-free daily account), Cuenta Save (high-yield savings account with 2.50% TAE and automatic savings tools including up to 3 digital piggy banks), Cuenta Health (health-rewarded savings up to 3% TAE), and the Tarjeta Pay to Save (debit card that donates 25% of transaction fees to ocean plastic cleanup). Supporting features include Move to Save and Off to Save (savings linked to steps and social media reduction), automatic savings rules (rounding, periodic transfers), virtual cards, and an AI-powered chatbot. All services are accessed through the mobile app and connect with Apple Health, Google Health Connect, Bizum, and Halcash.

Differentiator

Problem solved

Functional benefit

Brands

• The Healthy Banking: B100's overall brand concept combining financial health, personal wellness, and environmental sustainability.

Products and services

• Cuenta B100 Main online checking account for daily banking needs with zero maintenance and administration commissions, 0% TIN / 0% TAE, no hidden fees, no minimum balance, and fee-free SEPA transfers with the included Pay to Save debit card. Designed as the primary operational account from which funds are transferred to savings and health accounts.
• Cuenta Save Savings account offering up to 2.50% TAE (2.472% TIN) on balances up to 100,000 EUR, with monthly interest settlement and up to 3 personalized digital 'huchas' (piggy banks) with savings goals and target dates. Funds can only be transferred to/from the Cuenta B100.
• Cuenta Health Health-linked savings account that rewards healthy behaviors with up to 3.00% TAE on balances up to 50,000 EUR when the user meets Pay to Save card spending conditions (≥8 purchases/month totaling ≥200 EUR). Interest rate drops to 2.40% TAE without card use. Users set daily step and social-media-disconnection goals (1–30 EUR per objective, max 30 EUR/day each) and receive funds only when objectives are met.
• Tarjeta Pay to Save Debit card tied to the B100 account that donates 25% of the interchange fee earned on every transaction to Gravity Wave ocean plastic cleanup projects. Includes no issuance or maintenance commissions, zero foreign exchange fees abroad, and accessibility features (notch for visually impaired users and Braille tactile points).
• Tarjeta Virtual Virtual debit card for secure online shopping with an independent card number separate from the physical Pay to Save card. Users can set custom expiry (1–2 months) and maximum spending limit (up to 3,000 EUR). Up to 8 virtual cards per user; all contribute to ocean plastic cleanup via the Pay to Save donation mechanism.

Quantifiable outcome

• 3.00% TAE savings rate on up to 50,000 EUR (Cuenta Health) for active Pay to Save card users meeting spending conditions
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature9 records

Partnerships

One partnership is on record.

• Gravity WavecoreStrategic or Co-development PartnerGravity Wave is an environmental enterprise with a circular economy approach that works on the collection, transformation, and treatment of plastic, collaborating with all sectors involved in the ocean — from fishermen and fishing guilds to companies. B100 donates 25% of every card interchange fee to Gravity Wave's ocean plastic cleanup projects. The partnership was established after B100 conducted surveys showing that nearly 50% of respondents prioritized ocean plastic cleanup over other environmental initiatives. Gravity Wave's work includes removing plastic from the sea before it degrades into microplastics, partnering with fishermen who collect plastic as part of their regular activities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bunq: Dutch-headquartered European neobank offering fee-based consumer accounts, savings, virtual cards, and lifestyle-oriented features. Comparable on the digital-only, app-first consumer banking model with non-traditional feature differentiation.
• Openbank (Santander): Spanish digital bank owned by Grupo Santander, offering current accounts, savings, debit cards, and investment products directly competitive with B100 in Spain. Closest direct Spain-market competitor with similar fee-free positioning.
• Revolut: Pan-European digital bank with app-first onboarding, multi-currency accounts, virtual cards, and savings/investment products. Closest functional peer to B100's digital consumer banking model, though B100 is Spain-only and differentiates on health/sustainability rather than breadth.
• Starling Bank: UK challenger bank with mobile-first current accounts, savings pots, virtual cards, and B2B banking services. Direct comparable on the digital-only consumer banking playbook and product feature set (virtual cards, savings goals, app-led onboarding).
• N26: European digital bank with mobile-first current accounts, virtual cards, savings products, and no physical branches. Direct comparable to B100 on product model, though N26 serves multiple Eurozone markets versus B100's Spain-only focus.

Emerging players

• MyInvestor: Spanish digital wealth/investment platform with banking accounts (El Corte Inglés Seguros, Andbank partnership). Competes with B100 on Spanish fee-free current accounts and savings products, though MyInvestor leans more toward investment-led acquisition.
• Orange Bank: Spanish digital bank from telco Orange, offering app-based current accounts and savings. Comparable on Spain digital consumer banking with telco-distribution advantage, but with less feature differentiation than B100's health/sustainability positioning.
• Trade Republic: European neobroker with banking-like features (current account, card, savings) serving younger, fee-sensitive consumers. Comparable on European digital-first, fee-free positioning and demographic targeting, though primary focus is brokerage rather than core banking.

Broad incumbents

• CaixaBank: Spain's largest domestic bank with extensive branch network and growing digital banking capabilities. Competes with B100 for Spanish fee-conscious consumers on current accounts and savings yields.
• BBVA: One of Spain's largest incumbent banks with significant digital capabilities, current accounts, savings, cards, and a Spanish market footprint directly overlapping B100's addressable customers. Competes on scale, brand trust, and full-service breadth versus B100's niche lifestyle differentiation.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/somosB100
• YouTubeyoutube.com/watch?v=9YRWKezQLOU
• LinkedInlinkedin.com/company/somosb100
• Instagraminstagram.com/somosb100
• TikToktiktok.com/@somosb100

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about B100