Spain
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11Onze
Catalan community fintech. El Canut is the app, not a Banco de España bank.
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6.2Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. 11Onze is not a bank. Your money sits with Partner / EMI stack — read the El Canut legal footer.
If it fails?
Not Spanish FGD unless a named bank holds the balance. Treat El Canut as a wallet + aggregator until the statement names a credit institution.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account SKUs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.2
/10 · Mixed
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.
What it is
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’.
Best for: Catalan users who want a community app and already keep salary at a real bank.
Last checked 2026-08-28. Not advice.
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
- −FGD does not follow the brand
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- 11Onze lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not Spanish FGD unless a named bank holds the balance. Treat El Canut as a wallet + aggregator until the statement names a credit institution.
Who holds the money: Partner / EMI stack — read the El Canut legal footer
- EU PSD2 / payment rails (confirm live entity)Fintech community / wallet — not a Spanish credit institution · Spain / EEA
Fees
- Monthly
- Account SKUs — confirm live
- FX markup
- Business FX is a corridor product, not mid-market magic
- ATM
- Card-dependent
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- El Canut super-app
- European IBAN (entity-dependent)
- Virtual + physical card
- Business multi-currency
- Community layer
Score
- Safety25%
- 5.4
- Fees20%
- 6.8
- Features15%
- 7.0
- App15%
- 7.2
- Global15%
- 5.0
- Support10%
- 6.4
Change log
Full logLicence
El Canut remains a fintech wallet, not Banco de España
Community app with an IBAN story. FGD does not follow the brand. Keep salary at a Spanish credit institution.
Available in
Straight answers
FAQ
01Is 11Onze a bank?
11Onze is not a licensed deposit-taker in the classic sense. Money, if any, sits with Partner / EMI stack — read the El Canut legal footer.
02How is money protected?
Not Spanish FGD unless a named bank holds the balance. Treat El Canut as a wallet + aggregator until the statement names a credit institution.
03Where is 11Onze available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with 11Onze.
04Card and wallets?
11Onze lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open 11Onze remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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