1. imagin, registered trademark of imaginersGen, S.A., agent of CaixaBank, S.A., with Tax ID A08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity that offers the bank account.The account is not remunerated (0% AER, 0% NIR).
2. Free cards with no issuance or maintenance costs. imaginersGen, S.A., agent of CaixaBank, S.A., CaixaBank, S.A., markets products of the hybrid payment entity CAIXABANK PAYMENTS & CONSUMER, E.F.C., E.P., S.A.U. with Tax ID A-08980153, registered in the Bank of Spain Official Register of Companies under number 8776, and the entity that offers debit and credit cards. The system chosen by CAIXABANK PAYMENTS & CONSUMER to protect service users' funds is to deposit them in a separate account opened with CaixaBank S.A. The card is granted subject to analysis of the applicant's credit rating and their ability to pay, in keeping with the risk policies of CPC.
3. imagin markets both financial and non-financial services. Non-financial services are offered by imagin, a registered trademark of imaginersGen S.A. Financial services, such as the account or financing solutions, are offered by imaginBank, a registered trademark of CaixaBank, and imaginersGen S.A. acts as agent.
4. The MyCard credit card is granted subject to analysis of the applicant's credit rating and their capacity to pay the sum back, in line with CPC's risk policy. Until 31/10/2023, the customer can split all the transactions they like over two months, free-of-charge (no limit). Example of split payment calculated for a €100 purchase (total credit) split on 01/01/2023, where the first effective payment is made on 01/03/2023, split with the card over 2 months: AER 0%. NIR 0%. Total amount payable: €100. Total cost of credit (interest payments): €0. Monthly repayments: 2 instalments of €50. Instalment payments over a longer term do entail payment of interest. The split payment method consists of paying for the purchase with interest within the period you choose, between 2 and 12 months and up to 24 months for purchases over €600. The minimum purchase amount is €40 and the maximum amount is the credit limit available on your card. Representative example calculated for a purchase split on 01/01/2023 for €1,500 (total credit) with the first effective payment on 01/03/2023, split with the card over 12 months: 22.42% AER and 20.40% NIR. The total amount payable will be €1,670.88. Total cost of the credit (interest payment) will be €170.88. The monthly payments will be eleven instalments of €137.52 and a final installment of €139.24. French repayment system. You can view the prices usually applied to the banking services most frequently provided (Annex 1) at: www.caixabank.es/fees
5. To be able to send money using Bizum, both the sender and recipient must be registered for Bizum. If the recipient is not registered, an SMS will be sent to them to register and receive the money.
