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Information required under Ministerial Decree ECC/2316/2015: checking account CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions provided for in Royal Decree 16/2011 of October 14. The limit of the guaranteed amount is 100,000 euros per depositor in each credit institution 1/6 This number indicates the product risk, with 1/6 representing the lowest risk and 6/6 representing the highest risk. [Promoted product]("Promoted product") [ Imagin, commission-free digital banking for young people With Bizum and Lifestyle discounts. Become an imagin customer](https://www.caixabank.es/urinotfound/ "Open your account imagin(Opens in a new window)") [ Imagin, commission-free digital banking for young people With Bizum and Lifestyle discounts. Become an imagin customer](https://www.caixabank.es/urinotfound/ "Open your account imagin(Opens in a new window)") [Promoted product]("Promoted product") ## What are the advantages of being an imaginer?  **Account1 and cards2 without fees or conditions** Enjoy your account and cards without issuing or maintenance fees.  **A positive impact on the planet** Join a community committed to the oceans, forests, people and much more.  **Exclusive discounts** Take advantage of all discounts at eDreams, Cooltra, Nike and many more brands.  **ImaginMusic** Connect the best of music: artists, festivals, unique experiences, exclusive content, and much more.  **Instant payments** Make payments with Bizum4 at any bank without fees. ## The debit card5, for your daily life and now for traveling  - **No issuance or maintenance costs.** - **Withdraw money by debit for free** at more than 11,000 CaixaBank ATMs. - With the security of CaixaBankProtect©6. - Blocking and unblocking cards with a single click from the app. - 100% refund on purchases **from the app.** - **Pay without commission in any currency worldwide.** - **When you travel outside of Spain, withdraw money without us charging a commission\*.** \*Maybe the bank that owns the cashier does cover you for withdrawing money. ## **Now you can take up to €750 if you join imagin** **If you bring your payroll7 to imagin you get up to €2508** - Enjoy your account and card without limitations - Manage your account 100% digital and without commissions or conditions **And if you bring your friends you can take up to €5009** - €50 per friend up to a maximum of 10 friends - Each friend who signs up will receive a 50€ voucher for the Shop Facilitea  ## How do you sign up to imagin? Signing up to imagin is simple and takes less than 2 minutes **** **Download the imagin app** Available from your app store. **** **Sign up as a new customer** Create your username, verify your identity, fill in some work details and, you're done\! **** **Log in to the app** Enjoy all the benefits of being an imaginer. [Fee notification document](https://www.caixabank.es/deployedfiles/particulares/Estaticos/pdf/general/imagin-comisiones-20240318_ENG.pdf "Fee notification document (Open in a new window)") [Pre-contractual information](https://www.caixabank.es/deployedfiles/particulares/Estaticos/pdf/general/precontrato-imagin-ejemplo_ENG.pdf "Pre-contractual information (Open in a new window)")  ## Download the app to find out more     Scan the QR code to download the app. ## An app full of must-haves Convenient, easy, intuitive, sustainable and generous. That's the imagin app ## - [ Shared accounts1 Share an account with anyone you want.](https://www.imagin.com/en/accounts/account-without-comissions "Shared accounts") - [ We look after the seas and oceans We have collected 100 tonnes of plastic, equivalent to 350 tn of co2 offset.](https://www.imagin.com/en/imaginplanet "imaginPlanet") - [ Financial tips for your day-to-day life Discover imaginAcademy.](https://www.imagin.com/en/enjoy "Financia tus ilusiones") - [ Offers and discounts Find the ideal offers for you.](https://www.imagin.com/en/discounts "Seguros imagin") - [ Discover Facilitea shop10 The latest technology and financing11.](https://www.imagin.com/en/shop-wivai "Descubre nuestra eCommerce") - [ A link to what you like most about music. Join us for unique experiences at the country's top festivals and parties.](https://www.imagin.com/en/imaginmusic "Carnet Joven") ## No-fee cards that adapt to your lifestyle - [ Imagin Debit2 the travel card Enjoy the advantages in travel by paying in any currency or withdrawing money by debit without us charging you anything\*. \*You may be charged a fee by the ATM operator13.](https://www.imagin.com/en/cards/imagin-debit-card "Debit Imagin") - [ MyCard3 Enjoy travel benefits and pay for your purchases 24 hours after confirmation.](https://www.imagin.com/en/cards/credit/mycard "Tarjeta imagin crédito") - [ Carné Joven12 Discounts and benefits throughout Europe.](https://www.imagin.com/en/youth-card "Tarjeta imagin&Go") [See all the cards](https://www.imagin.com/en/cards "See all the cards") ## ## And for the youngsters: imaginTeens & imaginKids - [ imaginTeens If your children are between 12 and 17 years old, with imaginTeens they can start managing their own money.](https://www.caixabank.es/particular/general/imaginteens_en.html "imaginTeens") - [ imaginKids A fun way of learning and saving for children from 0 to 11 years old.](https://www.caixabank.es/particular/general/imaginkids_en.html "imaginKids") ## Do you have any questions about imagin? ### [What is needed to open an online account for youth with imagin?](https://www.caixabank.es/particular/imagin_en.html "What is needed to open an online account for youth with imagin? - Open drop-down") To sign up to imagin, the only requirement is that you are a Spanish resident over 18 years old (with a Spanish ID or Foreigner's ID). If you are under 18 years old, we have the perfect app for you: imaginTeens. ### [Does the imaginBank account come with any fees?](https://www.caixabank.es/particular/imagin_en.html "Does the imaginBank account come with any fees? - Open drop-down") There are no fees with the imaginBank account! You can open your account and send and receive money at zero cost. And, you will enjoy exclusive benefits. ### [What are the advantages of opening an online account for young people with imagin?](https://www.caixabank.es/particular/imagin_en.html "What are the advantages of opening an online account for young people with imagin? - Open drop-down") One of the great benefits of being a customer is that you don't need to have your salary paid into your account, a direct debit set up for your bills, or use your card, to avoid us charging maintenance fees for your accounts and cards. You don't need any type of association, you'll just have access to these benefits for being an imagin customer. You can use your imagin card at more than 13,000 cash machines in Spain and you can also use it abroad with exclusive benefits. ### [Where can I withdraw money if I have an imagin online account?](https://www.caixabank.es/particular/imagin_en.html "Where can I withdraw money if I have an imagin online account? - Open drop-down") You can withdraw money all over the world with imagin cards. You can withdraw cash on debit, free-of-charge, at any of the 13,000 CaixaBank cash machines in Spain. **1**. No account maintenance fee. The account does not pay interest **(0% APR, 0% NIR)**. CaixaBank, S.A., with Tax ID A08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity offering the bank account. **2**. Free of issuance and maintenance fees. CaixaBank, S.A., markets products offered by the hybrid payment institution that offers the debit card, CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U., (hereinafter CPC), with registered office at Avenida de Manoteras n.º 20, Edificio París (28050 Madrid). The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the card subject to approval by the CPC. You can see the usual prices for frequent banking services (Annex 1) at [www.caixabank.es/particular/general/tarifascomisiones\_es.html.](https://www.caixabank.es/particular/general/tarifascomisiones_es.html) **3**. This credit card is issued subject to an analysis of the applicant's credit rating and their capacity to repay, in keeping with the risk policies of CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U. Card issued by the hybrid payment entity CaixaBank Payments & Consumer, E. F. C., E. P., S. A. U. ("CPC"), with tax code A-08980153, registered in the Bank of Spain's Official Register of Companies with code 8776. CaixaBank, S.A. acts as the agent of the card issuing entity. The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. **4**. CaixaBank, S.A., with Tax ID A08663619, registered in the Bank of Spain's Special Administrative Register, under number 2100, and the entity offering Bizum payment. To be able to send money using Bizum, both the sender and recipient must be registered for Bizum. The issuer must also have an account open with CaixaBank. If the recipient is not registered, an SMS will be sent to them to register and receive the money. **5**. imagin, trademark of imaginersGen, S.A. agent of CaixaBank, S.A. CaixaBank S.A. markets products of the hybrid payment entity that issues the debit cards. CaixaBank Payments & Consumer, EF, AP, AU, (“CPC”), with address at Avinguda de Manoteras no. 20, Paris Building (28050 Madrid). The system for protecting the funds of customers using payment services chosen by CPC is the deposit in a separate account opened at CaixaBank. The card has €0 in issuance and maintenance fees. You can consult the prices usually applied to the most frequently provided banking services (Appendix 1) at [www.caixabank.es/tarifas](https://www.caixabank.es/tarifas) **6**. You can consult the conditions of the CaixaBankProtect© service at [www.caixabank.es/caixabankprotect](https://www.caixabank.es/caixabankprotect). **7**. You will be deemed to have received a salary when you receive a payment described as such. Transfers are not considered salary payments for the purposes of this campaign. **8**. Offer of €150 net valid throughout the national territory for new payroll direct debits from €900 to €1,499.99 in an account opened at imaginBank, with a duration of 48 months. Offer of €250 net valid throughout the national territory for new payroll direct debits of €1,500 or more in an account opened at imaginBank, with a duration of 48 months. In any of these cases, the income is considered monetary remuneration, so it may be affected by current tax regulations in the event that you have to file an income tax return. Not cumulative with other income direct debit promotions (payroll, self-employed or pensions) carried out after 01/01/2022 or with direct debit payrolls that come from another CaixaBank account. More information at [www.imagin.com](http://www.imagin.com/) **9\.1.** The offer consists of paying you €50 for each person who registers as a new imaginBank customer using the friend code you will find in the app when you register. To get the money, the person you refer has to i) open an account, ii) have a minimum of €50 in the account , iii) make at least three transactions with the card, and iv) activate the Bizum service. The maximum we will pay you for this offer is €500 (10 friends). Account offered by CaixaBank S.A. **9\.2.** This coupon must be in your name, it is non-transferable and cannot be combined with other coupons. It may not be used to pay for products for which Facilitea acts as an intermediary (e.g., insurance policies or alarm services) or products in the outlet or refurbished section. It can be redeemed once, for the total amount, on purchases over the coupon value. If you return the product purchased, the amount will be refunded through a new coupon that will have that same validity date. Amounts will never be refunded by another method (cash, transfer, etc.). The use of the coupon is subject to personal income tax as payment in kind and is subject to payment on account in accordance with current legislation. The coupon will be taxed in your personal income tax in the year in which the coupon is redeemed. CaixaBank will make a deposit in the customer's account to cover the amount to be withheld for tax purposes. **10\. TERMS AND CONDITIONS OF SALE:** Sale offered by Facilitea Selectplace, S.A.U. ("Facilitea"), Gran Via de les Corts Catalanes, 159, 08014 Barcelona, Tax ID: A-58481730. Sale limited to purchases made in mainland Spain and the Balearic Islands. The products will be delivered within 7 business days from the order date. **11\. FINANCING TERMS:** Loan financing offered by CaixaBank, S.A. and card financing offered by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. ("CPC"). The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Financing subject to approval. Financing is granted for the full price indicated and exclusively for the purchase of the product from Facilitea. **12\.** 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, the Balearic Islands 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 the Canary Islands and Melilla, you can apply for a non-financial version and the debit 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, Castilla y León 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, the Balearic Islands and Asturias and between 14 and 30 years old in Melilla, Murcia and the Canary Islands. 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. Card issued by the hybrid payment institution 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). CaixaBank, S.A. acts as the agent of the card issuing entity. Card issuance subject to approval by CPC. You can view the prices usually applied to the banking services most frequently provided (Annex 1) at: [www.caixabank.es/tarifas](https://www.caixabank.es/particular/general/tarifascomisiones_en.html). Youth Card, prepaid card for young people from 14 to 30 years of age. Prepaid 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 cards issuing entity. The system chosen by CPC and M2P to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. For all types of Cards mentioned: CPC includes free travel assistance insurance. Advertising by imaginerGen, S.A., owner of the "imagin" trademark, which promotes and publicises the Carné Joven 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. **13**. CaixaBank will not charge you for withdrawing cash by debit from the MyCard or credit card from whichever cash is received. ImaginBank by CaixaBank. Imagin, the trading name of imaginersGen, SA, is an agent of CaixaBank, S.A., the bank offering the financial services. NRI: 6962-2024/09542  © CaixaBank, S.A. 2026 - [Cookies policy](https://www.caixabank.es/particular/general/cookies_en.html "Cookies policy (Opens in new window)") - [Privacy](https://www.caixabank.com/privacyinformation "Privacy (Opens in new window)") - [Legal notice](https://www.caixabank.es/particular/general/avisolegal_en.html "Legal notice (Opens in new window)") - [Interest rates and information](https://www.caixabank.es/particular/general/infoclientes_es.html "Interest rates and information (Opens in new window)") - [MIFID](https://www.caixabank.es/particular/inversion/mifid_en.html "MIFID (Opens in new window)") - [Legal information about CaixaBank, S.A.](https://www.caixabank.es/particular/general/informacionlegal_en.html "Legal information about CaixaBank, S.A. (Opens in new window)") - [](https://www.caixabank.es/particular/imagin_en.html "Aenor") - [](https://certiaccesibilidad.technosite.es/Recursos/Certificado.aspx?codigo=bpqekqicszyehdvzwftb135178402BPQEKQICSZYEHDVZWFTBQ#Ilunion "Certificación ILUNION Tecnología y Accesibilidad (opens in a new window)") - [](https://www.caixabank.es/particular/general/premios_en.html#excelencia "Sello de Excelencia EFQM") - [](https://www.caixabank.com/en/about-us/acknowledgements.html "Western Europe's best digital bank 2020") - [](https://www.caixabank.com/en/about-us/acknowledgements.html "Banco más innovador") - [](https://www.caixabank.es/particular/general/premios_en.html#bsi "Certificación ISO") - [](https://www.caixabank.es/particular/general/premios_en.html#aqmetrix "AQmetrix") [Become an imagin costumer](https://www.caixabank.es/urinotfound/ "Become an imagin costumer (Open in a new window)")

Risk indicator referring to the imagin account. Information required under Ministerial Decree ECC/2316/2015: checking account CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions provided for in Royal Decree 16/2011 of October 14. The limit of the guaranteed amount is 100,000 euros per depositor in each credit institution 1/6 This number indicates the product risk, with 1/6 representing the lowest risk and 6/6 representing the highest risk. ## What are the advantages of being an imaginer?  **Account1 and cards2 without fees or conditions** Enjoy your account and cards without issuing or maintenance fees.  **A positive impact on the planet** Join a community committed to the oceans, forests, people and much more.  **Exclusive discounts** Take advantage of all discounts at eDreams, Cooltra, Nike and many more brands.  **ImaginMusic** Connect the best of music: artists, festivals, unique experiences, exclusive content, and much more.  **Instant payments** Make payments with Bizum4 at any bank without fees. ## The debit card5, for your daily life and now for traveling  - **No issuance or maintenance costs.** - **Withdraw money by debit for free** at more than 11,000 CaixaBank ATMs. - With the security of CaixaBankProtect©6. - Blocking and unblocking cards with a single click from the app. - 100% refund on purchases **from the app.** - **Pay without commission in any currency worldwide.** - **When you travel outside of Spain, withdraw money without us charging a commission\*.** \*Maybe the bank that owns the cashier does cover you for withdrawing money. **Now you can take up to €750 if you join imagin** **If you bring your payroll7 to imagin you get up to €2508** - Enjoy your account and card without limitations - Manage your account 100% digital and without commissions or conditions **And if you bring your friends you can take up to €5009** - €50 per friend up to a maximum of 10 friends - Each friend who signs up will receive a 50€ voucher for the Shop Facilitea  ## How do you sign up to imagin? Signing up to imagin is simple and takes less than 2 minutes **** **Download the imagin app** Available from your app store. **** **Sign up as a new customer** Create your username, verify your identity, fill in some work details and, you're done\! **** **Log in to the app** Enjoy all the benefits of being an imaginer. [Fee notification document](https://www.caixabank.es/deployedfiles/particulares/Estaticos/pdf/general/imagin-comisiones-20240318_ENG.pdf "Fee notification document (Open in a new window)") [Pre-contractual information](https://www.caixabank.es/deployedfiles/particulares/Estaticos/pdf/general/precontrato-imagin-ejemplo_ENG.pdf "Pre-contractual information (Open in a new window)")  ## Download the app to find out more     Scan the QR code to download the app.