# Competition in the Spanish digital investment market > Live situation record from CLSTR: https://clstr.news/situations/competition-in-the-spanish-digital-investment-market > Updated: 2026-09-25T08:54:13.000Z. Sources: 6. Developments: 2. The Spanish investment market is seeing increased competition between traditional banking institutions and neobanks, particularly regarding low-cost index funds and ETFs. Santander has launched new digital services specifically targeting investors under 30. This strategy includes offering index funds with entry points as low as 10 euros and reducing transaction fees for stocks and ETFs to 1 euro per operation. The bank also provides regulated exposure to crypto-assets through 15 ETFs linked to Bitcoin, Ethereum, and Solana. This move occurs within a broader market trend where neobanks such as MyInvestor, Trade Republic, and Revolut are attracting small investors by offering even lower entry barriers, sometimes starting from one euro. While neobanks utilize various strategies—ranging from wide catalogs of traditional funds to automated investment plans—the common focus remains on the low-cost, passive management approach offered by index funds. ## Timeline ### 2026-09-25: Index funds and neobank competition in the Spanish market Index funds offer low-cost diversification by replicating market benchmarks. In Spain, neobanks like MyInvestor, Trade Republic, and Revolut are competing for small investors with diverse fund and ETF offerings 3 sources. https://clstr.news/cluster/index-funds-and-neobank-competition-in-the-spanish-market ### 2026-09-21: Santander targets young investors with new digital banking services Santander is launching new digital banking features in Spain to attract young investors, offering low-cost index funds, reduced transaction fees, and ETF exposure to crypto-assets. 3 sources. https://clstr.news/cluster/santander-targets-young-investors-with-new-digital-banking-services --- Cite as: Competition in the Spanish digital investment market. CLSTR, https://clstr.news/situations/competition-in-the-spanish-digital-investment-market