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.

Study loan

Q: 9. What are the conditions for the linked account?

Maintenance fee: 0 euros Returns: 0% AER, 0% NIR Issuing entity: CaixaBank, S.A.

Invest in your education, with no guarantor required

This is how your loan works

Learn about the benefits and apply for your study loan now.

Apply for up to €30,000 for your studies, with no guarantor or age limit.
It can cover enrolment, materials, living expenses and transport.
While you study, you will only pay interest. The rest can wait up to 12 months after you complete your studies.
No commitment fees and with a fixed interest rate: NIR 7.50% - APR 7.763%.
Apply and receive advice from a expert manager.

Discover the studies you can finance

Learn about the benefits and apply for your study loan now.

Advanced vocational
training.

Degrees/postgraduate courses/university master's degrees and doctoral degrees.

Courses for professional skills development and improvement.

Apply for your loan in 5 steps

Find out how to apply easily.

Open the imagin app, go to the “Apply” section, and click on “Study loan”.

Select the studies you need to finance.

A member of our expert team will call you to assist you and speed up the process. If you have any doubts, don't keep them to yourself!

Confirm the loan terms and sign the documentation.

And the money is in your account!

Get your €50 voucher

If you're not yet an imagin customer, follow these steps to open your account and get €50 to spend in the Facilitea store:

Open your account with code IMAGIN50
Click the module you'll see when you log in.
Copy your new personal code from the “Notices” section.
And redeem it in the Facilitea store from the app.
Valid until 31/12/2025. Maximum 2,000 vouchers. Requires an imagin account and card.

Open account Open account

Need a different loan?

Choose the one that best suits your plans and get the financing you need quickly and easily.

Personal loan

Up to €30,000 for whatever you need.

Renovation or house move loan

Renovate your home or move house with up to €30,000.

Travel loan

Up to €30,000 to escape wherever you want.

100% online loan

No paperwork,
no hassle.

Frequently asked questions about bank accounts

1. How can I get €750 with the imagin account?

You can finance:

Advanced vocational training.
Degrees, postgraduate courses, university master's degrees and doctoral degrees.
Courses for professional skills development and improvement.

You can use the loan for studies carried out in Spain or in any of the 27 European Union member states and countries associated with the program (such as Iceland, Liechtenstein, Norway, North Macedonia, Turkey and Serbia). See the full list of permitted countries here external link.

2. Who is the student loan for and how much can be requested?

This loan is designed for individuals of legal age residing in Spain interested in financing their studies or training to improve their employability. You can request up to 100% of the cost, with a maximum amount of €30,000.

3. What are the requirements to apply for this loan?

You must provide a document that proves your enrolment or admission to the course or program you wish to take.

4. Can you apply for a loan if you have no income?

Yes. If you have no income, you can request a principal grace period from the start of the loan. This grace period can last up to 54 months, provided that it does not exceed 12 months after the completion of studies. During this period, you will only pay interest.

5. What are the terms of the imagin loan and how much do you end up paying?

The imagin loan has no commitment fee

You can repay it over a period of up to 126 months, which includes.

A principal grace period of up to 54 months (optional).
Up to 72 months to repay the principal.

The loan operates on the French repayment system, which means you'll pay a fixed monthly payment. Each payment is made up of some principal and some interest, which decreases as the debt is paid off.

Representative example for a loan of 5,000 euros:

NIR (Nominal Interest Rate): 7.50%
APR (Annualised Percentage Rate): 7.763%
Term: 72 months (6 years)
Monthly fee: 72 payments of 86.45 euros
Total cost of the loan: 1,224.40
Total amount owed: 6,224.40 euros (5,000 euros principal + 1,224.40 euros interest)

6. Who offers and markets this loan?

The loan is granted by Nuevo Micro Bank, S.A.U. (Microbank) with tax ID A65619421, and listed in the Bank of Spain Official Register of Companies under number 0133. The entity responsible for its marketing is CaixaBank, SA, while imaginersGen SA acts as CaixaBank's agent. The latter is registered with the Bank of Spain under number 2100 and has its registered office at Calle Pintor Sorolla, 2-4, 46002 Valencia.

7. Is approval subject to any analysis?

Yes. Approval is subject to analysis of the applicant's credit rating and repayment capacity, as per the bank's criteria.

8. Is it supported by European funds?

Yes. This financing is possible thanks to the support of the European Investment Fund (EIF) within the InvestEU guarantee programme. The goal is to help support financing, implement productive investments in the European Union and increase access to finance.

9. What are the conditions for the linked account?

Maintenance fee: 0 euros
Returns: 0% AER, 0% NIR
Issuing entity: CaixaBank, S.A.

10. What are the conditions of the card associated with the loan?

Issue and maintenance fee: 0 euros
Issues the card: CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.
Loan is granted subject to prior approval.
The funds are protected in a separate account at CaixaBank.

11. What are the conditions associated with the promotional voucher?

The voucher is personal, non-transferable and cannot be combined with other promotions.
It is valid until 31 December 2025, and can only be redeemed once, provided the purchase amount is greater than the voucher value.
It cannot be used on products where Facilitea acts as an intermediary, such as insurance or alarm services, nor on outlet or refurbished items.
If you return the product purchased, a new voucher will be generated with the same validity date. It cannot be refunded as cash or a transfer.

Use of the voucher is considered a return on movable capital in kind and is subject to personal income tax in the year in which it is redeemed. CaixaBank will make the corresponding payment to the account to cover the applicable tax withholding.

12. Who markets the products linked to the voucher?

The voucher is marketed by Facilitea Selectplace, S.A.U., tax ID A58481730, with address at Gran Via de les Corts Catalanes, 159, 08014 Barcelona. The funds are protected in a separate account at CaixaBank.

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

Direct deposit your salary within 4 months of signing up. Keep in mind that transfers are not considered salaries for the purposes of this promotion.

Once we confirm that everything is correct and that you have received a deposit labelled “salary”, we will send you the €250, which will be in your imagin account in a few days.