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.

imagin online account
with no fees

Discover the online account
with no fees and get up to €750!

3.8+ million customers who trust us for every important step

Your main bank

1 in 2 customers have their salary paid into imagin.

100% digital

Do all your banking in the app. And if you need them, there are thousands of specialised CaixaBank advisers and ATMs.

Always protected

Browse safely with CaixaProtect and the most advanced cybersecurity systems.

This is how the imagin account works

With imaginBank, it's nothing but advantages!

  • Enjoy an account with no maintenance fees and no interest (0% APR, 0% NIR).

  • Get a free card with no issuance or maintenance fees. And pay without fees in any currency worldwide

  • Share your account with up to 5 people. You decide who to share your expenses and savings with. 

  • Have a positive impact on the planet. We collect more than 100 t of marine and ocean plastic.

  • Live with imaginMusic. Connect with your favourite artists, access exclusive videos, interviews, playlists and much more. 

  • Receive or send money instantly via Bizum to any other Bizum user. If they're not on Bizum yet, they will receive an SMS to sign up.

We act with a purpose Mission #imaginPlanet

Discover and take part in projects like the imaginPlanet Challenge and Proyecto Fluye, created to have a social and environmental impact.

Get up to €250
when you direct deposit your paycheck

Sign up on the app and direct deposit your salary within 4 months. You will receive the relevant reward in a few days. Please note that:

  • Transfers are not considered salaries for the purposes of this promotion.
  • You must keep your imagin account for at least 48 months.

The amount you receive will depend on the salary you deposit:

  • €250 if you direct deposit a salary of €1,500 or more.

  • €150 If your salary is between €900 and €1,499.99.

Direct depositing your salary
into your imagin account in 4 steps

1

Log in to the imagin app and tap “Apply”.

2

Click on the salary banner.

3

Do you have more than one account? Select which one to direct deposit your salary into.

4

Let your company know, you can use the template provided.

Download the app Download the app

Get up to €500 for
inviting your friends

Invite up to 10 friends to enjoy the advantages of being an imagin customer by sending them your friend code (you will find it in the app). You'll get €50 for every friend!

Once your friend receives the code, they have to complete the following steps:

  • Download the imagin app

  • Enter your friend code during the customer registration process

  • Deposit at least €50 into your account

  • Activate Bizum

Once your friends meet these conditions, we will make the payment (you will receive it between the 5th and 10th of the following month).

Share your account
with anyone you want

Share your imagin account with up to 5 people and enjoy

  • Easier management of your expenses and savings.

  • All the flexibility you need to get the most from your money. 

Travel wherever you want
with your imagin card

Choose the destination,
and take your card with you:

  • Pay without fees in any currency worldwide.

  • Withdraw cash outside Spain with no fees from imagin. Keep in mind that the bank that owns the ATM may charge you for withdrawing cash.

Get your debit card at home completely free of charge

And if you're moving to Spain,
open your account for foreigners

An account to make your arrival easier!

  • Open it from wherever you are, 100% online. 

  • Send and receive money instantly with Bizum. 

  • Direct deposit your salary and pay your invoices and taxes automatically. 

  • Get information in 3 languages: English, Spanish or Catalan. 

  • Pay with your imagin card in any currency in the world, with no issuance or maintenance fees. 

FAQs about the imagin account

How can you get €750?

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

  • Up to €250 when you direct deposit your salary (offer valid in all of Spain). 
  • €500 if 10 friends of yours use your “friend code” when they register with imagin (€50 for each friend).

It's explained in detail in the following questions. 

What conditions must the salary meet to get the €250?

To receive the €250 net, you have to direct deposit a salary of €1,500 or more into an account opened with imaginBank.  

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

What do I have to do to direct deposit my salary?

You can direct deposit your salary into the imagin app and follow these steps

  • Tap the salary banner. 
  • If you have several accounts, select the one you want to deposit it in. 
  • Let your company know so it can deposit your salary into your new imagin account. 

Does the imagin account have fees if I don't direct deposit my salary?

No, opening an account and taking out a card in imagin won't cost you anything, regardless of whether you receive your salary by direct deposit in your CaixaBank account. But if you direct deposit it now, you'll be eligible for the current promotion and get up to €250. 

When will I receive the € 250 payment for direct depositing my payroll?

To receive the € 250 payment, you must first:

  • Register for the promotion.
  • Have your payroll deposited within 4 months of registration. Please note that transfers are not considered payroll for this promotion.


Once we verify that everything is correct and that you have received a payment under the "payroll" heading, we will send you the € 250, and you will have it in your imagin account in a few days.

How can I invite a friend with the “friend code”?

You can invite up to 10 friends to sign up as customers using your "friend code," which you'll find in the imagin app. The people you invite must:

  • Download the imagin app.
  • Enter your friend code during the customer registration process.
  • Deposit at least €50 into your account.
  • Activate Bizum.


If your friends meet the requirements, you'll receive € 50 for each of them, so you can receive a total of € 500 if you bring 10 friends.

How long is the “friend code” valid?

Your code has no expiration date, so you can use it whenever you want. Just keep in mind that there's a maximum of 20,000 rewards available.

Does receiving the card at home cost anything?

No! Shipping your card will be completely free.

Which entity manages the commission-free account?

The imagin account is managed by imaginersGen S.A., acting as an agent for CaixaBank, S.A.. Its registered office is at Calle Pintor Sorolla, 2-4, 46002 Valencia, and its tax identification number is A08663619. It is registered in the Valencia Mercantile Registry (Volume 10370, Page 1, Sheet V-178351) and in the Special Administrative Registry of the Bank of Spain under number 2100.

Who manages imagin's credit and debit cards?

imagin credit and debit cards are offered by CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U. (CPC), a hybrid payment institution with registered office at Avenida de Manoteras No. 20, Edificio París, 28050 Madrid. CPC markets these products through CaixaBank, S.A., and imagin is a trademark of imaginersGen, S.A., CaixaBank's agent.

The protection system for payment service users' funds is implemented by depositing them into a separate account at CaixaBank. Credit card issuance is subject to prior approval by CPC. Prices for the most common banking services (Annex 1) can be found at: www.caixabank.es/tarifas.