Unibo Neobank

Name

Unibo Neobank

Legal name

Unibo

Website

https://holaunibo.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Unibo Neobank is a Barcelona-based, venture-backed digital-only bank founded in 2021 that provides specialized banking and financial services exclusively to real estate professionals, including property agents and brokers, starting with the Spanish market.

Ownership category

akta.pro rank

Product category

Specialized Neobank (Real Estate Banking)

NAICS

Depository Credit Intermediation (5221)

SIC

Finance Services (6199)

akta.pro primary industry

Underbanked/Financial Inclusion Neobanks (FSABAFAJ)

Keywords

• Digital banking services
• Real estate banking
• Property management banking
• Neobank platform
• Vertical fintech

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Digital Financial Services: Unibo operates as a neobank providing digital financial services to real estate professionals. The specific revenue streams are not explicitly disclosed in available sources.

Go-to-market motion1 record

Core offering

Unibo is a digital-only neobank that provides banking and financial services specifically designed for real estate professionals such as property agents, brokers, and property management firms. The platform offers banking, payments, and tailored financial tools aligned with real estate transaction workflows, including handling of commissions, client funds, and property-related operating capital in the Spanish market.

Differentiator

Problem solved

Functional benefit

Products and services

• Unibo Neobank Platform Digital-only banking platform offering banking, payments, and financial services tailored to real estate professionals such as property agents, brokers, and property management firms in Spain.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Direct peers

• Pluto: Pluto is a UK-based neobank built specifically for estate agents, offering agency wallets, instant commission payouts, and dedicated financial workflows. It is the closest pure-play vertical competitor to Unibo, differing mainly by serving the UK rather than the Spanish market.

Broad incumbents

• Revolut: Revolut is a global consumer and SME neobank offering multi-currency accounts, payments, and business banking across Europe, including Spain. While not real-estate-specific, it competes for the same self-employed professional segment Unibo targets and could add vertical features.
• N26: N26 is a major European digital bank with a strong presence in Germany and Spain, offering personal and business banking through a mobile-first platform. It is a broad competitor for digitized professional banking customers.
• Bunq: Bunq is a European neobank offering personal, business, and freelancer banking accounts across the EU. Its freelancer and SME accounts compete for the same self-employed professional segment Unibo targets in Iberia.
• Starling Bank: Starling Bank is a UK challenger bank with a well-developed business banking offering for SMEs, including sole traders and small agencies. It represents the type of scaled neobank Unibo aspires to become, with comparable use cases for self-employed professionals.
• Wise: Wise offers multi-currency accounts and cross-border payments for businesses and individuals, including self-employed professionals. While not a bank, it competes for the cross-border transaction flows and operating wallets Unibo targets among real estate agents handling international property deals.
• CaixaBank: CaixaBank is the largest Spanish retail bank, with deep penetration among self-employed professionals and real estate brokerages via its "Negocios" and professional-account products. It represents the entrenched incumbent that Unibo is attempting to displace.
• BBVA: BBVA is a major Spanish universal bank offering dedicated self-employed ("autónomos") and SME banking products with digital onboarding. Its broad agent network and product breadth form the competitive backdrop for Unibo's vertical offering.

Market position

Customer concentration

• Facebookfacebook.com/holaunibo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unibo Neobank