Wannacash ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.

Key facts

Best for
A small personal or payday loan in Spain, funded the same day, with a fee of 0 EUR - WannaCash charges the applicant nothing.
Loan amount
€50 to €900 (Source, checked September 26, 2026)
Term
1 month (Source, checked September 26, 2026)
Arrangement fee
0 EUR - WannaCash charges the applicant nothing (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Money in the account in under 15 minutes after approval; usually same day as the application (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required (Source, checked September 26, 2026)
Loan types
Personal, Payday, Credit-line, Business, Student, Car, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
7eBiz International SL (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
wannacash.es

Pros and cons

Pros

  • A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
  • Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
  • The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
  • The lending types are broad, personal, payday and credit line, so the same broker covers a personal loan, a credit line, a car loan or a student loan.
  • Same-day funding is a normal feature on the site, appearing in 82.9% of loans, so fast payout sits in the mainstream here.

Cons

  • The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
  • The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
  • WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
  • Support runs on email and phone, so there is no live chat when a payment date is pressing.
Wannacash ES

Ready to try Wannacash ES?

Scored 8.3 / 10 by BorrowCue.

Visit

Who it suits

  • Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
  • Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
  • People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.

Who should look elsewhere

  • Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
  • Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
  • People who need live chat support, as support runs on email and phone only.

How it compares on our data

WannaCash sits at 582 out of 685 brands on loan amount, which is the clearest signal here: this is a small-lender offer, not somewhere to fund a large purchase. The term ranking, 211 out of 232 brands, points the same way, toward shorter borrowing rather than long personal loans. The typical personal loan amount on the site is €556.48, so €50 to €900 covers everyday needs and some of that middle, but it does not stretch to the larger end. If your borrowing sits below that median, the range here works. If it sits above, Cashspace ES runs up to €100 to €5,000 and Monzo Flex up to £10,000 to £35,000.

Application and funding speed

The funding time is the strongest point. Money is in the account minutes after approval, and usually lands the same day as the application. Same-day funding shows up in 82.9% of the loans on the site, so speed like this is normal in this market rather than unusual. The trade-off is size and pace together. €50 to €900 is the amount on offer, and the term runs 1. That is a short window to repay, so the same speed that gets the money to you also keeps the commitment brief. Worth checking your next payday falls inside that term.

The company behind it

WannaCash is operated by 7eBiz International SL and sits in Spain, so the whole offer is aimed at Spanish residents. The company is a broker, which means an application is passed on and the decision plus the rate come from a third party lender rather than from WannaCash itself. Support runs on email and phone, so you can reach a person by email or phone but there is no live chat option. For context, the typical personal loan on the site carries 12.25%, and 76.5% of personal loans here run a hard credit check against 4.4% that run none at all, which is why a none check at WannaCash stands out.

How Wannacash ES compares

Where Wannacash ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does WannaCash charge to arrange a loan?+

The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.

How much can I borrow from WannaCash?+

The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.

How fast does money arrive after approval?+

The money lands in the account minutes after approval, and usually on the same day as the application. Same-day funding is a common feature in this market, appearing in 82.9% of the loans on the site, so speed is normal here. Your existing account is what receives it, which is why a Spanish bank account is required.

Do I need a credit check to apply?+

The credit check is none, and the credit profile aimed at is poor. Borrowers with a thin credit file are the target here, and no payroll or guarantor is required. Personal loans more widely do run a hard check, so this is a different proposition from a mainstream personal loan application.

Which kinds of loan can I get through WannaCash?+

The lending types are broad, personal, payday and credit line. The same broker therefore covers a personal loan, a payday loan, a credit line, a car loan, a student loan and secured borrowing as well. Eligibility stays the same throughout: legal age, residence in Spain, a Spanish bank account and recurring income, with no payroll or guarantor needed.

Is my money protected by a regulator or compensation scheme?+

WannaCash is a broker operated by 7eBiz International SL in Spain, so your application is passed on and the lending decision and rate come from a third party lender. The protection on your money sits with whichever lender ends up funding you, so ask for that lender's name and its cover before you accept an offer.

How do I get help from WannaCash?+

Support runs on email and phone, so you can reach a person by email or by phone, but there is no live chat channel listed. For a Spanish resident that covers most questions about the application and the payout. If your repayment date is close, calling is the faster route of the two.

Who is WannaCash suited to?+

Adults in Spain who hold a Spanish bank account and have recurring income, and who need a small sum quickly rather than a large loan. The credit profile it aims at is poor, so a weak credit history does not rule you out, and no payroll or guarantor is required. The 1 term means the commitment is short.

Sources

  • wannacash.es/contacto checked September 26, 2026

    Backs: Support channels

    “Contact us by filling in the following form: Name, Email, Telephone”

  • wannacash.es/creditos checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Features, Funding time, Loan types, Arrangement fee

    “we tend to consider minicreditos those personal loans of a reduced amount, usually from 50 EUR to 300 EUR for a first minicredito application, and up to 900 EUR for later ones”

  • wannacash.es/creditos/comparador-de-creditos checked September 26, 2026

    Backs: Term

    “Repayment up to 30 days, or in 2 or 3 months”

  • wannacash.es/creditos/creditos-online checked September 26, 2026

    Backs: Eligibility

    “Be of legal age. Be resident in Spain. Have a bank account to receive the money. Have some kind of recurring income”

  • wannacash.es/terminos-y-condiciones checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “domicile at C/ Joaquin Blume, 75, Las Palmas, Spain”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Wannacash ES

Wannacash ES

A small personal or payday loan in Spain, funded the same day, with a fee of 0 EUR - WannaCash charges the applicant nothing.

8.3/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings