The president of the Spanish Banking Association (AEB), Alejandra Kindelán, today highlighted the progress made in the area of financial inclusion following a meeting between industry representatives and First Vice President and Minister of Economy Carlos Cuerpo.
The percentage of the population living in municipalities without access to in-person banking services has fallen from 1.4% in 2021 to 0.6% in 2025, bringing financial inclusion to 99.4% of the Spanish population, he noted at the press conference following the meeting.
While in 2021 it was estimated that there were 657,557 people in Spain without in-person access to banking services, that number has decreased by 55.1% (361,999 fewer people).
As for access to cash, thanks to agreements with Correos, the percentage of the population with access has reached 100%.
“Today, the data show that these efforts have paid off. I can’t think of any other public or private service with such an extensive network,” Kindelán emphasized. He thus highlighted the extensive network deployed by the institutions, with nearly 84,000 physical access points for banking services distributed throughout the country.
In addition to its achievements in financial inclusion, Kindelán has reaffirmed the banking sector’s commitment to accessibility, which goes beyond regulatory compliance.
“The industry is working to ensure that everyone, regardless of their physical, sensory, or cognitive abilities, can use banking services independently, easily, and securely through all available channels, including branches, ATMs, websites, mobile apps, and customer communications.”
