Spain
activeNeobank
- HQ
- A Coruña
- Fee
- Account packs — confirm live tariff
imagin
CaixaBank’s digital brand. Spanish FGD. Same cap as CaixaBank. Not a startup charter.
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7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Trade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent (Banco de España / ECB). Still read the entity on the statement.
If it fails?
Spanish FGD up to €100,000 — CaixaBank is the member. Do not double-count with a CaixaBank current account.
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
€0 on core current — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
imagin accounts sit at CaixaBank, S.A., Banco de España code 2100. imaginersGen, S.A. is the agent. FGD follows CaixaBank. Same pattern as B100 / Abanca: one cap, two skins. If you already have CaixaBank, this is not a second €100k pot. Openbank is Santander. Different group.
What it is
imaginBank launched 2016 as Spain’s mobile-only millennial bank, then relaunched as a lifestyle layer. Directories list imagin as a neobank. This desk lists it as CaixaBank in gym kit. Non-financial services are the agent. The deposit is the bank.
Best for: Spain residents who want CaixaBank FGD in a teal app and do not already sit at CaixaBank for the cap.
Last checked 2026-08-30. Not advice.
What it does well
- +Named Spanish bank, code 2100
- +FGD
- +Zero-fee pitch
- +Kids SKUs
What to watch
- −Shared FGD cap with CaixaBank
- −Lifestyle marketing is not a licence
- −Spain-resident
- −Not a travel FX home
Who holds the money
The account
- Partner bank
- CaixaBank, S.A.
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Kids / teens
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- imagin lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Spanish FGD up to €100,000 — CaixaBank is the member. Do not double-count with a CaixaBank current account.
Who holds the money: CaixaBank, S.A.
- Banco de España / ECBTrade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent · Spain
Fees
- Monthly
- €0 on core current — confirm live
- FX markup
- Bank tariff, not Wise
- ATM
- CaixaBank ATM network (11,000+ pitch)
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- ✓Kids
- –Halal
- Spanish IBAN (CaixaBank)
- Youth / lifestyle positioning
- imaginKids / Teens
- FGD via CaixaBank
- App-only skin
Score
- Safety25%
- 8.4
- Fees20%
- 8.0
- Features15%
- 7.2
- App15%
- 7.8
- Global15%
- 4.2
- Support10%
- 6.8
Change log
Full logLicence
CaixaBank brand, bank code 2100
Spanish FGD is a shared cap. imaginersGen is the agent, not a second bank.
Available in
Straight answers
FAQ
01Is imagin a bank?
imagin holds a banking-style licence (Banco de España / ECB). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Spanish FGD up to €100,000 — CaixaBank is the member. Do not double-count with a CaixaBank current account.
03Where is imagin available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with imagin.
04Card and wallets?
imagin lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open imagin 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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