What imagin does

imagin is a mobile-first digital banking platform operated as a commercial brand of imaginersGen S.A., which functions as a registered agent of CaixaBank, S.A. — Spain's largest banking group. The platform serves 4M+ retail customers in Spain through iOS, Android, and Huawei AppGallery apps, offering a fee-free core current account (Cuenta imagin) plus tiered sub-brand accounts for teenagers (imaginTeens, 12-17), children (imaginKids, 0-11), joint holders (up to 5), and foreigners/non-residents. The technology stack includes Bizum instant transfers, Apple Pay/Google Pay integration, virtual prepaid cards, and real-time spending controls, all anchored on CaixaBank's regulated banking license and 11,000+ ATM network.

The product portfolio extends well beyond core banking into hybrid and revolving credit cards (MyCard, imagin crédito, imagin&Go with TAE 22.42%), personal loans (€3,000-€30,000), fixed-rate mortgages with nine regional youth assistance programs, insurance distribution through VidaCaixa and SegurCaixa Adeslas, an online broker, and lifestyle extensions including Shop Facilitea e-commerce (0% TAE installment financing), Cashback rewards, imaginSplit expense sharing, and imaginMusic and imaginPlanet content/community platforms. BCorp-certified since 2020, the brand is positioned around sustainability, youth engagement, and community-led marketing (referrals up to €500, salary direct deposit bonuses up to €250, brand ambassador Marc Márquez).

The revenue model combines credit interest margins, insurance and investment distribution commissions, payment processing fees, mortgage origination, and marketplace commissions — monetizing the 4M+ customer base through cross-sell rather than account fees. Go-to-market is product-led and community-led: 100% digital onboarding via mobile app, referral-driven acquisition, and content/lifestyle engagement through sustainability and music platforms. The company operates exclusively in Spain with 51-100 employees, with CEO Benjami Puigdevall leading the entity.

Name

imagin

Legal name

ImaginersGen S.A.

Website

https://imagin.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

imagin is the mobile-first digital banking brand of CaixaBank, serving 4M+ Spanish retail customers with fee-free accounts, cards, loans, mortgages, insurance, and lifestyle services, targeted at consumers, youth, and foreigners.

Ownership category

akta.pro rank

Product category

Digital Banking / Consumer Neobank

NAICS

Activities Related to Credit Intermediation (5223), Insurance Carriers (5241), Portfolio Management and Investment Advice (523940)

SIC

Personal Credit Institutions (6141), Finance Services (6199), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Digital banking services
• Fee-free accounts
• Mobile payment cards
• Consumer neobank
• Youth banking platform

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Margins on Credit Products: Revenue generated from interest charged on credit products including personal loans, credit cards (MyCard, imagin crédito, imagin&Go revolving card), and installment payments. Credit card installment rates: TIN 20.40%, TAE 22.42%.
2. Insurance Distribution (Bancassurance): Commission revenue from selling insurance products including health (SegurCaixa Adeslas), dental, travel, auto, mobile, pet, home, and life insurance (VidaCaixa) through the banking channel.
3. Payment Services Revenue: Revenue from payment processing, merchant services, and card transaction fees. Card services include credit card cash advance transfers (4.5% commission, minimum €4).
4. Hypoteca (Mortgage) Distribution: Revenue from mortgage loan origination and distribution, including various regional youth mortgage assistance programs.
5. Investment Products Distribution: Commission from broker services, investment funds, and portfolio management services.
6. Facilitea Shop: E-commerce technology shop partnership with Facilitea Selectplace, S.A.U. offering 0% TAE financing on consumer electronics with express delivery.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels9 records

Core offering

imagin is a Spanish digital-only neobank offering fee-free current accounts, a range of debit, credit, prepaid and revolving payment cards, personal loans, mortgages, insurance, and investment products entirely through mobile apps (iOS, Android, Huawei). Customers onboard 100% online in minutes, receive virtual cards instantly, and access ancillary lifestyle services such as Cashback, Carné Joven discounts, imaginSplit expense sharing, Shop Facilitea financing, imaginMusic content, and the imaginPlanet sustainability program. The platform is operated by imaginersGen S.A. as an agent of CaixaBank, leveraging the parent's 11,000+ ATM network and banking license.

Product overview

imagin is a digital banking platform operated as a brand of CaixaBank, offering a comprehensive suite of financial products through a mobile-first approach. The core offering centers on fee-free accounts (Cuenta imagin for adults, Cuenta imaginTeens for ages 12-17, Cuenta imaginKids for ages 0-11, and Cuenta Conjunta for up to 5 joint holders) paired with a range of card products including Tarjeta MyCard (hybrid debit/credit), Tarjeta imagin crédito, Tarjeta imagin débito, Tarjeta imagin&Go (revolving), and Tarjeta prepago e-Card (virtual). The platform extends beyond basic banking with investment services (online broker, investment funds, portfolios), insurance products, mortgages, and savings options. Non-financial services include Shop Facilitea (technology e-commerce with 0% financing), imaginMusic (entertainment content), imaginPlanet (sustainability initiatives), Cashback rewards, and imaginSplit (expense sharing). The ecosystem is anchored by a mobile app supporting Apple Pay, Google Pay, and Bizum payments, and targets the Spanish market with B Corp certification since 2020.

Differentiator

Problem solved

Functional benefit

Brands

• imaginPlanet: Environmental and social mission initiative focused on ocean plastic collection, river restoration (Proyecto Fluye), and sustainable entrepreneurship (imaginPlanet Challenge)
• imaginMusic
• Facilitea
• Cashback

Products and services

• Cuenta imagin Standard adult current account (18+) with no maintenance fees (0% TAE, 0% TIN), free debit card, free worldwide purchases and ATM withdrawals without commissions, Bizum instant transfers, and welcome rewards up to €750 (€250 salary direct deposit + €500 friend referrals).
• Cuenta imaginTeens Digital bank account for teenagers aged 12-17 with a dedicated app, free debit card with travel benefits, Bizum availability from age 12, parental spending controls via CaixaBankNow app, and savings challenges.
• Cuenta imaginKids Savings account for children aged 0-11 managed by parents through CaixaBankNow app with real-time visibility and interactive financial education features.
• Cuenta Conjunta Joint bank account for up to 5 holders (couples, roommates, families) with no opening or maintenance fees, individual debit cards per holder, shared Bizum and transfers, and real-time transaction visibility for all holders.
• Tarjeta MyCard Hybrid credit/debit Visa card combining both functionalities in a single card: purchases are charged 24 hours after confirmation for flexibility, with installment payment options from 2 to 24 months, no foreign transaction fees, debit-style cash withdrawals worldwide, and a body made of 100% recycled plastic.
• Tarjeta imagin crédito Visa credit card allowing purchases to be loaded at month-end without interest (0% TAE) when paid in full, with installment options for selected purchases, free foreign-currency payments, and free debit cash withdrawals at CaixaBank ATMs.
• Tarjeta imagin débito Debit card with immediate account charging, free ATM withdrawals at 11,000+ CaixaBank ATMs in Spain and partner machines abroad, Apple Pay and Google Pay mobile wallet support, instant in-app card blocking, and commission-free purchases in any currency.
• Tarjeta imagin&Go Revolving Visa credit card allowing flexible monthly payment choice (minimum applies) with no issuance or maintenance fees, modifiable installment amounts, and TIN 20.40% / TAE 22.42%.
• Tarjeta prepago imagin e-Card Virtual prepaid card activated instantly via the imagin app for secure online shopping, loadable only with intended spending amounts, with two free monthly reloads and up to two cards per customer (subsequent reloads €0.50).
• Préstamo personal imagin Personal loan from €3,000 to €30,000 with repayment periods of 6 to 72 months, offered with sub-products for home renovations, travel, and studies; requires solvency analysis for approval.
• Seguros imagin Distribution of personal insurance lines (health, dental, auto, travel, mobile, pet, home, and life) through partnerships with SegurCaixa Adeslas and VidaCaixa, integrated into the imagin app.
• Hipotecas imagin Mortgage origination including fixed-rate mortgages and a suite of regional first-time-buyer assistance programs (Catalonia, Madrid, Balearic Islands, Castilla y León, Extremadura, Valencia, Andalusia, Murcia, Basque Country).
• Broker online imagin Online stock broker for trading equities, investment funds, and managed portfolios, accessible within the imagin digital trading platform.
• Fondos de inversión imagin Investment funds distributed through the imagin platform for retail investors seeking diversified managed portfolios.
• Carteras de inversión imagin Managed investment portfolios for retail customers, distributed through the imagin platform.
• Huchas (savings goals) imagin Goal-based savings jars in the imagin app that let customers earmark funds for specific objectives.
• CaixaFuturo Long-term savings insurance product distributed through the imagin platform.
• Carné Joven imagin Youth discount card offering over 60,000 discounts across Europe in culture, sport, transport, and travel, plus free international travel-assistance insurance, language courses and scholarships abroad.
• Shop Facilitea (0% TAE technology e-commerce) E-commerce technology shop integrated within the imagin app offering products with 0% TAE financing, free express shipping, and free returns, operated via a Facilitea Selectplace, S.A.U. partnership.

Quantifiable outcome

• Over 4 million customers trust imagin, with 1 in 2 having salary directly deposited
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

One partnership is on record.

• CaixaBank S.A.coreStrategic or Co-development Partnerimagin is a brand of imaginersGen S.A., agent of CaixaBank S.A. CaixaBank provides the banking license, regulatory infrastructure, ATM network (11,000+), branch support, and is the entity behind all financial products (accounts, cards, loans). CaixaBank is registered with Bank of Spain (number 2100) and provides deposit protection up to €100,000.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Openbank: Santander's digital-only bank operating in Spain with similar fee-free account proposition, mobile-first onboarding, and a broad product suite including cards, loans, investments, and insurance. Most direct comparability given parallel incumbent-bank-with-digital-brand structure.
• Revolut: Global neobank with significant Spanish user base offering multi-currency accounts, fee-free international payments, and a mobile-first product suite that directly competes with imagin's core value proposition in Spain.
• N26: European mobile-first neobank with active Spanish presence, offering free current accounts, cards, and money management features that overlap heavily with imagin's core offerings and target the same digital-native consumer.
• Wise (formerly TransferWise): Multi-currency account and international payments specialist that competes directly with imagin's fee-free international payments and multi-currency value proposition, particularly for expats and frequent travelers in Spain.
• Bunq: European neobank offering multi-currency accounts, savings, and investment products via mobile app; comparable business model and target segment (digital-first, internationally mobile consumers) though not yet established in Spain.
• MyInvestor: Spanish digital bank and broker offering fee-free accounts plus investment products (funds, portfolios, broker) — overlapping with imagin's investment and account offerings, and competing for the same digitally-engaged Spanish retail customer.
• Orange Bank: Telco-backed European neobank operating in Spain with fee-free accounts, mobile payments, and a multi-product suite; directly comparable as a digital-first challenger bank targeting a similar demographic in the same market.

Broad incumbents

• BBVA: Major Spanish incumbent bank with growing digital offerings (BBVA app, online account opening, no-fee products) that competes with imagin for primary banking relationships, particularly among younger customers transitioning from traditional banks.
• ING España: Dutch-origin incumbent with a strong Spanish digital franchise offering fee-free current accounts, savings, and investment products. Indirectly comparable as a broader banking incumbent that uses digital-first positioning.

Emerging players

• Starling Bank: UK-based neobank with a strong app-led, fee-light proposition and a comparable suite of accounts, cards, loans, and investments — not yet directly competing in Spain but a useful benchmark for product and unit-economics trajectory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/imaginersapp
• YouTubeyoutube.com/@imaginBank
• Facebookfacebook.com/imaginersapp
• LinkedInlinkedin.com/company/imaginersapp
• Instagraminstagram.com/imaginers_app
• TikToktiktok.com/@imagin

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 imagin