imagin account

CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions. The maximum guaranteed amount is 100,000 euros per account holder.

1/6

This number indicates the risk of the product, where 1/6 is the lowest risk and 6/6 the highest risk.

Shared expenses,
now easier than ever

Joint account with no fees, 100% online, to share expenses, save and set up joint plans.

Open a joint account Open a joint account

Everything you need,
in one account.¹

Bizum², transfers, direct deposits/debits and shared savings from the imagin app, designed for everyday life.

Your card. Your independence.

Each account holder has their own debit card³ either physical or virtual so they can make mobile payments and manage expenses independently.

Everything is visible, in real time.

Instant transactions to know what is paid and when, with total clarity.

One joint account,
up to 5 account holders.

Designed for couples, friends, flatmates, families or joint projects. Add 2 to 5 people and set up shared expenses from the imagin app.

Opening your joint account is very easy

Download the app and, if you’re not a customer yet, sign up.

Go to Apply > Accounts and select joint account.

Invite the people you want to share your account with.

You’re done! You can now bank together.

Open a joint account Open a joint account

See more information on your shared account in these documents:

Fee Information Document

Pre-contractual information

Plus, have your salary⁴
paid in and get a reward!

Find out more Find out more

FAQs about the imagin joint account

How much does it cost to open a joint account?

Nothing. There are no opening, maintenance or administration fees. Direct depositing your salary is optional, but if you do it, you'll get a reward. Like your usual imagin account.

Can I have both individual and joint accounts at the same time?

Yes. They are separate. You can manage your personal money in one and shared expenses in the other. Each one has its own IBAN.

How do you add account holders?

From the app, invite as many people as you want, up to 5 account holders.

Do all account holders see the transactions and can they spend without asking permission?

All account holders have the same level of access to the account and transactions. Any account holder can perform transactions with the available balance.

Are the account holders equally liable for the money in the joint account?

Yes. All account holders are equally liable for the money and transactions carried out from the joint account.

What happens if one of the account holders wants to leave?

They can request to leave from the app. The other account holders can keep using the account if the minimum number of people is maintained.

What happens if we break up?

Each account holder can leave the account whenever they want from the app. The remaining money will be divided as you agree among yourselves. If you can't reach an agreement, the bank will not intervene: it's your business. If everyone leaves, the account is automatically closed.

Do I need to set up direct deposit for my salary or direct debit for my bills to access the imagin shared account?

You don't have to; you can enjoy the joint account without doing so. But you can direct deposit it if you want, and you will receive a reward if you do; the reward you get will depend on the amount you deposit with your salary. More information at www.imagin.com/en/accounts/direct-deposit-salary

Find more important information about joint bank accounts in our Help section.

IRN: 7722-2024/17317
imaginBank by CaixaBank. Imagin, trade name of imaginersGen, S.A., an agent of CaixaBank, S.A.

1. No account maintenance fee. The account does not pay interest (0% AER, 0% NIR). imaginersGen S.A., is an agent of CaixaBank, S.A., with registered office at Calle Pintor Sorolla, 2-4 46002 Valencia, and Tax ID number A08663619, registered in the Mercantile Register of Valencia, Volume 10370, Sheet 1, Page V-178351, and registered in the Special Administrative Register of the Bank of Spain, under number 2100.

2. In order to send and receive money using Bizum, both the sender and recipient must be registered on Bizum. If the recipient is not registered, a text will be sent to them to register to receive the money.

3. imagin, trade name of imaginersGen, S.A., an agent of CaixaBank, S.A. CaixaBank, S.A., markets products of the hybrid payment entity that issues the debit cards, CaixaBank Payments & Consumer, E.F. C., E.P., S.A.U. ("CPC"), with registered office at Avenida de Manoteras nº 20, Edificio París (28050 Madrid). The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank. The card has €0 issue and maintenance fee. You will find the usual prices for frequent banking services (Annex 1) at www.caixabank.es/tariffs.

4. You will be deemed to have received a salary when you receive a payment described as such. Transfers are not considered salaries for the purposes of this campaign.

2026

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Shared expenses, now easier than ever

Everything you need, in one account.1