11Onze

11Onze is a Catalan fintech community. El Canut can show an IBAN and a card. That is not Abanca. Keep a Spanish credit-institution account for salary if you want FGD. Score the app as a wallet and a gathering place, not as a bank.

11Onze launched out of Barcelona as a Catalan community fintech. The consumer product is El Canut. Early coverage called it a digital community bank; the live object is a PSD2-era money app with community layers. This desk does not upgrade a wallet to a bank because the homepage says ‘bank’.

11Onze lists Fintech community / wallet — not a Spanish credit institution under EU PSD2 / payment rails (confirm live entity) in Spain / EEA. On safeguarding we currently write: Not Spanish FGD unless a named bank holds the balance. Treat El Canut as a wallet + aggregator until the statement names a credit institution.. Holder / issuer line: Partner / EMI stack — read the El Canut legal footer. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 1 live markets on the product. As we score the sticker: monthly Account SKUs — confirm live; FX Business FX is a corridor product, not mid-market magic; ATM Card-dependent. This desk would open it for: Catalan users who want a community app and already keep salary at a real bank.

What it does well: Clear Catalan voice; Business FX pitch is explicit; Not pretending to be Santander. What to watch: Not a Banco de España bank; Entity literacy required; Small scale. Desk score 6.2 / 10 (safety 5.4, fees 6.8, features 7.0, app 7.2). Last verified 2026-08-28. Headquartered in Barcelona, Spain; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.