Accounts for all
ages

When you open your imagin account with no fees, you could get up to €750:

• Up to €250 when you direct deposit your salary, that is, when you receive income identified as such. The offer is valid in all of Spain.
• €500 if 10 friends of yours use your “friend code” when they sign up with imagin (€50 for each friend).

It's explained in detail in the following questions.

To receive the €250 net, you have to direct deposit a salary of €1,500 or more into an account opened with imaginBank. Keep in mind that transfers are not considered salaries for the purposes of this campaign.  

You must also meet the following conditions: 

• Duration: Keep your salary direct deposited for 48 months. 
• Tax regulations: This income is considered a cash payment and could affect your income tax return, in keeping with the applicable laws. 
• Restrictions: The offer cannot be combined with any other direct deposit promotions (salary, freelancers or pensioners) made after 01/01/2022, or with salaries transferred from another CaixaBank account. 

If your monthly salary is between €900 and €1,499.99, you can opt for the €150 net promotion with the same conditions.

You can invite up to 10 friends to sign up as customers with your "friend code", which you will find in the imagin app. 

The people you invite have to:

• Download the imagin app. 
• Enter your "friend code".
• Sign up as customers and accept the terms and conditions. 
• Deposit at least €5 and activate Bizum in their new imagin account. 

If your friends meet the conditions, you will receive €50 for each one, meaning you could get a total of €500 if you bring 10 friends.

A minor can send and receive money via Bizum provided the following conditions are met:

• Both the sender and recipient must be registered with Bizum. If the recipient isn’t registered, they’ll get an SMS with a link to register and claim the money.
• The minor’s legal guardian must authorise them to carry out payment transactions.

The minimum age to apply for the imagin Youth Card (Carné Joven) varies by region and the type of card you select:

Catalonia and Asturias:

• Non-financial type: from 12 years of age.
• Financial debit and prepaid modalities: from 14 years of age.
• Financial credit method: from 18 years of age.

Murcia:

• Non-financial type: from 14 years of age.
• Financial debit method: from 14 years of age.
• Financial credit method: from 18 years of age.

Madrid and Navarre:

• Financial debit method: from 14 years of age.
• Financial credit method: from 18 years of age.

We work with Facilitea Selectplace, S.A.U., so you can finance your purchases without paying interest or fees.

Payment options available:

• Cash payment: by card.
• Financing: through CaixaBank, S.A. (loan) or CaixaBank Payments & Consumer (card).

Straightforward example of financing:

• Total amount: €1,089.00
• Total amount owed: €1,089.00
• APR: 0%
• NIR: 0%
• Term: 10 months
• Monthly payments: 9 payments of €108.90 and a final payment of €108.90
• Total cost of the loan: €0.00

For this loan, we use the French amortisation system in which the monthly payment is always the same. Part of the payment is principal and part is interest, which decreases as the debt is paid off.

imagin offers three types of bank accounts, and here are the entities behind each:

Imagin account

• The account is offered by imaginersGen, S.A., an agent of CaixaBank, S.A., with tax ID number A08663619, listed in the Bank of Spain’s Special Administrative Register under number 2100.
• It has no maintenance fees.
• The account does not pay interest: 0% AER, 0% NIR.

imaginTeens account

• It is a product of the imaginTeens commercial brand, managed by CaixaBank, S.A.
• CaixaBank, S.A., with NIF A08663619, is listed in the Special Administrative Register of the Bank of Spain under number 2100.

imaginKids account

• It is a product of the imaginKids brand, managed by CaixaBank, SA.
• CaixaBank, S.A., with NIF A08663619, is listed in the Special Administrative Register of the Bank of Spain under number 2100.

All accounts are part of imagin's offering, which is a commercial brand of imaginersGen, S.A., an agent of CaixaBank, S.A.

imagin is a commercial brand of imaginersGen, S.A., an agent of CaixaBank, S.A., and offers different types of cards, which are managed by the following entities:

imagin card (debit and credit)

They are issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (CPC). CPC is based at Avenida de Manoteras nº 20, Edificio París, 28050 Madrid.  

Please note that:

• There is a funds protection system for CPC customers, consisting of a deposit in a separate account held at CaixaBank.
• The granting of credit cards subject to approval by CPC.

Prepaid card

They are issued by the electronic money entity Global Payments MoneyToPay, E.D.E., S.L. (M2P). M2P is based at Avenida de Manoteras nº 20, Edificio Paris (28050 Madrid).

Please note that:

• There is a funds protection system for M2P customers, consisting of a deposit in a separate account held at CaixaBank.
• The prepaid card has no issuance or maintenance fees (€0).

If you wish, you can check the standard fees for the most common banking services at: www.caixabank.es/tarifas.

Remember that all these cards are part of imagin's products, managed and marketed through CaixaBank, S.A.