1. imagin, trademark of imaginersGen, S.A., agent of CaixaBank, S.A. CaixaBank, S.A., markets products of the hybrid payment entity that issues the credit cards, CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U., ("CPC"), domiciled at Avenida de Manoteras nº 20, Edificio París (28050 Madrid). The system of protection of funds of customers using payment services chosen by CPC is the deposit in a separate account opened in CaixaBank. Granting of the card is subject to prior approval by CPC. The card has €0 issue and maintenance fee. You can see the usual prices for frequent banking services (Annex 1) at https://www.caixabank.es/particular/general/tarifascomisiones_en.html. Credit card with payment after 1 day. In this case, purchases will be settled on credit with the account balance, one by one, 24 hours after each purchase. Representative example calculated according to the parameters required by the consumer credit regulations, to repay the credit of €1,500 (total amount of credit) drawn down and repaid in full by a single payment 1 day after each drawdown, successively over one year: AER 0%, NIR 0%. Total amount payable: €1500 (€1,500 collected monthly for the following 12 months). Total cost of the credit: €0. See how it works at www.imagin.com/informacion-tarjetas.
2. The instalment payment method consists of paying the purchase with interest over a period of your choice between 2 and 12 months (or 24 months for purchases over €600). The minimum amount is €40 and the maximum is the credit limit available on your card. Representative example calculated for a purchase made on 01/09/2022 for €1,500 (total amount of the credit) deferred with the card over 12 months: AER 22.42%, NIR 20.40%. Total amount payable: €1,670.88. Total cost of credit (interest payments): €170.88. Amount of the twelve monthly payments of €139.24 French repayment system.
3. CaixaBank will not charge you for debit cash withdrawals with the MyCard or imagine credit from any ATM in the world.
4. For all indicated Card types: CPC includes free travel assistance insurance.
5. imagin, trademark of imaginersGen, S.A., agent of CaixaBank, S.A. CaixaBank, S.A., markets products of the hybrid payment entity that issues debit and credit 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 of protection of funds of customers using payment services chosen by CPC is the deposit in a separate account opened in CaixaBank. Granting of the credit card subject to prior approval by CPC.
6. If the monthly payment you choose is very low in comparison to the outstanding debt, we will apply a minimum monthly amount set to reduce the risk of excessive prolongation of the debt repayment period: this will be the result of adding a corrective factor (0.85%) to the monthly NIR (1.70%) and multiplying it by the outstanding debt. Both concepts are explained in the contract and the ESIS. You can increase the monthly payment whenever you wish. The maximum amount that you can pay every month will be 100% of the credit limit.
7. The deferred (revolving) payment method consists of paying the entire credit used in instalments, with an associated maximum annual interest rate of 20.40% NIR (22.42% AER). Any repayments will be added back to your available credit. Representative example calculated for repaying credit of €1,500 used on 01/09/2022 (total amount of the credit) with the deferred payment method over 48 months (first effective payment on 01/10/2022): AER 22.42%, NIR 20.40%. Total amount payable: €2,206.23. Total cost of credit (interest payments): €706.23. Monthly payments: 47 instalments of €45.97 and a final instalment of €45.64. French repayment system. The foregoing assumes that you do not perform any new transactions that increase the card's outstanding balance and that the debt is formalised at the beginning of the period.
8. The deferred payment method consists of paying for the purchase with interest during the period of your choice, between 3, 6, 9 or 12 months and up to 24 months for purchases over €600. The minimum amount is €40 and the maximum is the credit limit available on your card. Representative example calculated for a purchase made on 01/09/2022 for €1,500 (total amount of the credit) deferred with the card over 12 months: AER 22.42%, NIR 20.40%. Total amount payable: €1,670.88. Total cost of credit (interest payments): €170.88. Amount of the twelve monthly payments of €139.24 French repayment system.
9. The minimum age for requesting a Youth Card depends on which type of card you want and the autonomous community you live in. In Catalonia and Asturias, you can request a non-financial version from the age of 12, the debit card and prepaid version from the age of 14 and the credit card version from the age of 18. In Murcia, you can apply for the non-financial version and the debit card version from the age of 14 and the credit card version from the age of 18. In Madrid and Navarra, you can apply for the debit card version from the age of 14 and the credit card version from the age of 18.
Card types: The Youth Card, a non-financial card for young people between 12 and 30 years old in Catalonia and Asturias and between 14 and 30 years old in Murcia. The Youth Card, a debit card for young people between 14 and 30 years old, and a credit card for people between 18 and 30 years old. Cards issued by the hybrid payment entity CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. ("CPC"), domiciled at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). CaixaBank, S.A. acts as the agent of the card issuing entity. Card issuance subject to approval by CPC. You will find the usual prices for frequent banking services (Annex 1) in www.caixabank.es/tarifas. Carné Joven, prepaid card for young people from 14 to 30 years of age. Card issued by the electronic money institution Global Payments MoneyToPay, EDE, S.L. ("M2P"), with registered office at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). CaixaBank, S.A. acts as the agent of the card issuing entity. The system chosen to protect the funds of customers using the CPC and M2P payment services is to deposit them in a separate account opened in CaixaBank, S.A. Advertising issued by imaginersGen S.A., the entity that owns the "imagin" trademark, and which promotes the Youth Card Programme. imaginersGen S.A. is an agent of CaixaBank S.A., which has Tax ID no. A-08663619 and is listed in the Bank of Spain Official Register of Companies under number 2100.
10. CaixaBank will not charge a fee for the use of its ATMs when, through them, you withdraw cash with your card.
11. We will not charge you for withdrawing cash on debit with this card from any ATM outside Spain.
12. No account maintenance fee. The account is not remunerated (0% AER, 0% NIR). imaginBank, imaginTeens and imaginKids, registered trademarks CaixaBank, S.A., with Tax ID A-08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the savings bank that offers the bank account.
13. Life insurance from VidaCaixa, S.A.U. de Seguros y Reaseguros. Non-life insurance offered by SegurCaixa Adeslas, S.A. de Seguros y Reaseguros. CaixaBank, S.A., exclusive banking and insurance operator of VidaCaixa, S.A.U. de Seguros y Reaseguros and authorised by SegurCaixa Adeslas, S.A. With tax ID number A08663619 and registered address at Calle Pintor Sorolla, 2-4, 46002 Valencia. Listed in the Spanish Directorate-General of Insurance and Pension Funds Registry of Insurance and Reinsurance Distributors under code OE0003. It has the corresponding professional civil liability insurance in place to cover any liabilities that may arise due to professional negligence, as required by law.
14. imagin, a trademark of imaginersGen, S.A., agent of CaixaBank, S.A. CaixaBank, S.A., markets the products of the electronic money entity that issues the prepaid cards, Global Payments MoneyToPay, E.D.E., S.L. ("M2P"), whose registered office is at Avenida de Manoteras nº 20, Edificio París (28050 Madrid). The system chosen by M2P 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 can see the usual prices for frequent banking services (Annex 1) at www.caixabank.es/tarifas.
