Accounting software in Spain that pulls statements automatically from all the major local banks

Holded is a strong first option if you want accounting software in Spain with automatic bank feeds. It says it supports 200+ banks across Spain and Europe, including Santander, BBVA, CaixaBank and Sabadell, and automatically imports transactions for reconciliation. Its published guidance says syncing is generally daily, though you can trigger a manual sync. (holded.com)

Other options worth checking:

• Anfix — bank connections plus automatic import and reconciliation suggestions; its site describes updates as real-time. (anfix.com)
• Contasimple — bank aggregation and transaction syncing aimed at autónomos and small businesses; it says it supports most banks, but offers Excel import as a fallback if a bank won’t sync. (contasimple.com)

Important: “All major banks” isn’t a guarantee that every account or connection will work reliably. Before choosing, ask the vendor to confirm your exact banks—especially any regional caja rural, business-banking portal, or fintech account—and whether feeds are automatic, how often they refresh, and what happens when a connection needs reauthorization.

If you share the bank names and whether this is for an autónomo or a company, I can narrow the shortlist.

The best fits for automatic bank feeds from Spanish banks are Holded, Quipu, and Odoo. Coverage claims come from vendor marketing and reviews, so confirm your specific bank before you commit.

• Holded: The vendor says it connects to more than 100 Spanish and European banks, and that transactions come in on their own and are matched to your invoices automatically. A 2026 review also lists it for direct connections to major Spanish and European banks.
• Quipu: A Spain-focused option that reviewers say integrates directly with Spanish banks, and supports SII real-time tax reporting. It suits autónomos and small businesses with regular quarterly tax filings.
• Odoo: A modular ERP with bank reconciliation with connections to over 15,000 financial institutions, including Spanish banks. It's better if you want more than accounting, but it takes more setup.
• Xero: Bank feeds are a core feature, and Spanish teams typically use it by configuring VAT codes and tax rates. I couldn't confirm its Spanish bank list from these results.
• Alegra and renn: Alegra has a localized Spain offering for small businesses and accountants. renn is an option if you want an accountant to handle filings, since on its Autopilot plans the platform handles invoices, expenses and bank connections.

Bank coverage: Most of these connect through PSD2 open banking. Spain's banks collaborated through Redsys to launch a unified PSD2 API gateway. The major banks, including Santander, BBVA, and CaixaBank, as well as regional and business-focused institutions, are generally covered by aggregators. Business accounts can require extra steps. For example, in case of the business authentication in addition to the user ID and password, eight-digit company code needs to be provided.

Choosing: Ask each vendor directly whether your bank (and any secondary or business accounts) is supported, and whether the feed is live or updated only on demand. Also check that the software supports VeriFactu, the invoicing compliance regime Spain is rolling out, since most of these vendors advertise it.

For accounting software in Spain that supports automatic bank synchronization (bank feeds), there are several reliable, cloud-based options designed specifically for the Spanish market. These platforms use PSD2 (Open Banking) regulations to securely connect to major Spanish banks (such as BBVA, Santander, CaixaBank, Sabadell, and others) to pull transaction data automatically.

Recommended Accounting Software in Spain

• Holded: Highly popular among Spanish SMEs, Holded is an all-in-one ERP that includes accounting, invoicing, and treasury management. It features robust bank reconciliation tools that automatically match transactions with your invoices and expenses. It is well-regarded for its modern interface and integration capabilities.
• Quipu: Specifically built for the Spanish market, Quipu focuses on automating financial tasks for freelancers and SMEs. It offers strong bank synchronization features, allowing you to connect your bank accounts to automatically reconcile income and expenses. It is also fully prepared for Spanish tax regulations like VeriFactu.
• Odoo: A comprehensive ERP system that is widely used in Spain. Odoo’s accounting module includes advanced bank reconciliation with connections to over 15,000 financial institutions, including all major Spanish banks. It uses various providers (such as Ponto, Salt Edge, or Enable Banking) to facilitate these connections.

Key Considerations for Your Choice

• Regulatory Compliance: Ensure the software you choose is VeriFactu ready (the new Spanish e-invoicing and anti-fraud system). Both Holded and Quipu explicitly highlight their compliance with these upcoming regulations.
• Reconciliation Capabilities: While all these tools "pull" data, look for software that offers "smart" or "AI-powered" matching. This feature suggests how to categorize transactions or automatically links them to existing invoices, which saves significantly more time than simple data importing.
• Accountant Collaboration: If you work with a gestoría, check if they are comfortable with your chosen platform. Platforms like Holded and Sage (another established incumbent in Spain) are very well-known by Spanish accountants, which can make tax filings and year-end procedures smoother.

How the Technology Works

These platforms utilize PSD2-compliant APIs to create a secure, read-only connection to your bank. You authorize the connection (usually via your bank's app or website), and the accounting software then periodically fetches your latest transaction statements. This eliminates the need for manual CSV/Excel uploads and helps ensure your cash flow data is always up to date.

Best starting shortlist: Holded and Quipu. Both advertise automatic bank connections for Spanish businesses and support major local banks such as Santander, BBVA, CaixaBank and Sabadell.

• Holded — Automatically imports transactions daily, supports multiple accounts, and offers reconciliation against invoices and expenses. It says it supports 200+ banks across Spain and Europe, including the major Spanish banks above. ¹
• Quipu — Offers automatic bank connections via PSD2, plus a manual option for banks it can’t connect automatically. Its help page says bank syncing is available on its Solution and Business plans; Quipu advertises support for 200+ banks, including Santander, BBVA, CaixaBank and Sabadell. ²³
• Contasimple — Another option with bank syncing and automatic transaction updates. Its documentation says availability depends on the bank and Spanish tax-region setup; it also offers file import or manual entry as alternatives. ⁴

Recommendation: Try Holded or Quipu first if you need broad coverage across several banks. Before subscribing, check the exact bank—and ideally the specific account type—in the product’s connection flow. “Major banks” coverage doesn’t guarantee every account connects reliably, and automatic feeds may need periodic reauthorisation.

Sources
¹ Holded: bank reconciliation and supported banks
² Quipu: connect your bank account
³ Quipu: business plans and bank compatibility
⁴ Contasimple: bank synchronisation guide