Caja de Ingenieros

What Caja de Ingenieros does

Caja de Ingenieros (legal name: Caixa de Crèdit dels Enginyers, Societat Cooperativa de Crèdit) is a Spanish cooperative credit bank founded in 1967 and headquartered at Via Laietana 39, Barcelona. Originally established to serve engineers, it has expanded to serve six named segments — individuals and families, young people (Joves), seniors (Sènior), self-employed professionals, businesses (Empreses), and public institutions (Institucions) — across Spain with a Catalonia-centric footprint. The bank operates under Bank of Spain supervision (Register #3025) and is member-owned, with each member acquiring a €9.01 cooperative share. Headcount sits in the 251–500 range and the Group includes wholly-owned subsidiaries Caixa Enginyers Gestió (SGIIC, fund management), Caixa Enginyers Operador de Banca-Assegurances Vinculat (insurance brokerage), and Caixa Enginyers Vida (life and non-life insurance).

Name

Caja de Ingenieros

Legal name

CAIXA DE CRÈDIT DELS ENGINYERS, SOCIETAT COOPERATIVA DE CRÈDIT (CAIXA ENGINYERS)

Website

https://caixaenginyers.com

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Caja de Ingenieros is a Spanish member-owned cooperative credit bank founded in 1967 in Barcelona. It provides retail banking, lending, cards, investment funds, pension plans, and insurance to individuals, professionals, businesses, and public institutions primarily in Spain, with a Catalonia focus.

Ownership category

akta.pro rank

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Account Maintenance Fees: Quarterly account maintenance fee of €18 per quarter for current accounts, waived upon meeting any of several conditions including salary direct deposit, average balance thresholds, insurance holdings, or investment product holdings. This is a recurring revenue stream from account holders.
2. Lending Products: Interest income generated from mortgage loans, personal loans, and credit facilities extended to individuals and businesses. Includes specialized products such as Hipoteca Jove (Youth Mortgage), ECO Professional Loans, and Renting.
3. Investment Products and Asset Management: Revenue from managing and distributing investment funds (fons d'inversió), pension plans (plans de pensions), and discretionary portfolio management (SGDC). Fees include fund management fees, plan administration fees, and advisory fees.
4. Card Services: Annual maintenance fees on credit and debit cards, interest income from revolving credit balances and installment financing (Plazox), and interchange fees on card transactions. Card maintenance fees range from €25–€65 annually depending on card type, often waived based on spending thresholds.
5. Savings and Insurance Products: Revenue from insurance products including life, home, auto, health, and travel insurance distributed through Caixa Enginyers Operador de Banca-Assegurances Vinculat. Also includes PIES (Individual Systematic Savings Plans) and PIAS products managed through Caixa Enginyers Vida.
6. Capital Social (Cooperative Shares): Revenue from issuing cooperative shares to new members upon account opening at €9.01 per share.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels11 records

Core offering

Caja de Ingenieros is a cooperative credit institution (Societat Cooperativa de Crèdit) operating in Spain with a primary regional focus on Catalonia. It provides retail and commercial banking services — including current and savings accounts, mortgages (notably Hipoteca Jove for under-36s), personal and business loans, payment cards (debit, credit, hybrid, business variants), investment funds, pension plans, and life and non-life insurance — distributed through physical branches, online and mobile banking, telephone banking, and the CEApropa mobile office. Revenue is generated through interest income on lending, account maintenance and card fees, investment management fees, insurance brokerage commissions, and one-time cooperative share issuance to new members.

Product overview

Caixa de Ingenieros is a cooperative credit bank (Sociedad Cooperativa de Crédito) offering a comprehensive digital banking platform with three primary channels: Banca ONLINE (web), Banca MOBILE (mobile app), and Banca TELEFÓNICA (telephone). The product portfolio includes 10 distinct card products spanning debit (BASE, MOVE DÉBITO, DUAL, BUSINESS DÉBITO), credit (CLASSIC, PREMIER, MOVE CRÉDITO, BUSINESS CRÉDITO, DUAL), and specialized cards (VIA-T Teletac). Core banking services cover accounts, mortgages (including Hipoteca Jove for youth), loans, savings products (PIES Jove, deposits, pension plans), and investment funds. The bank differentiates through member-exclusive programs like Ingenium Shopping (discounts at 130+ merchants), FOCUS research publications, the CEApropa mobile office service, and specialized offerings such as the Erasmus service for students abroad. Digital tools include Les Meves Finances for personal finance management and environmental impact tracking for card transactions.

Differentiator

Problem solved

Functional benefit

Brands

• Ingenium Shopping: Discount and benefits program offering savings at over 130 partner merchants for members
• Banca MÒBIL
• CEApropa
• Focus
• Enginyers PAY
• PIES Jove
• MOVE
• Plazox

Products and services

• Banca ONLINE
• Banca MOBILE
• Banca TELEFÓNICA
• Hipoteca Jove
• MOVE Debit Card (Targeta MOVE Dèbit)
• MOVE Credit Card (Targeta MOVE Crèdit)
• Classic Credit Card (Targeta CLASSIC)
• Premier Credit Card (Targeta PREMIER)
• BASE Debit Card (Targeta BASE)
• DUAL Hybrid Card (Targeta DUAL)
• Business Debit Card (Targeta BUSINESS Dèbit)
• Business Credit Card (Targeta BUSINESS Crèdit)
• Plazox Installment Payment Service
• VIA-T Teletac Toll Device
• CEApropa Mobile Banking Office
• Ingenium Shopping Loyalty Program
• Ingenium Shopping PRO
• CE PIES Jove Savings Plan
• Servei Erasmus
• FOCUS Asset Management & Research
• Cooperative Membership (Capital Social)
• Mortgage Loans (Hipoteques)
• ECO Professional Loan (Préstec ECO Professionals)
• Personal Loans (Préstecs)
• Investment Funds (Fons d'Inversió)
• Pension Plans (Plans de Pensions)

Quantifiable outcome

• 70,000+ ATMs accessible via mobile app locator
• +4 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Bonpreu i Esclat (Supermercats)coreStrategic or Co-development PartnerCash withdrawal agreement allowing members to withdraw cash at Bonpreu and Esclat supermarket locations, enhancing ATM access for customers in areas with limited traditional banking infrastructure.
• AllpointsupportingChannel Partner/ Reseller/ DistributorATM network partnership providing zero-access-fee cash withdrawals for cardholders at Allpoint network ATMs internationally.
• MastercardcoreTechnology or IntegrationMastercard is the card network provider for debit and credit cards (BASE, DUAL, MOVE, CLASSIC, PREMIER, BUSINESS), enabling contactless payments, online transactions, and international card acceptance. Includes additional services such as Priceless experiences, Business Bonus program, and Mastercard Ciber Pro Tec cybersecurity protections.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kutxabank: Spanish cooperative bank headquartered in the Basque Country, formed from the merger of regional savings banks. Closely comparable as a regional, member-driven cooperative credit institution offering retail banking, mortgages, asset management, and insurance in Spain, with a similar multi-channel distribution model.
• Openbank: Santander-owned Spanish digital bank offering retail accounts, cards, mortgages, and investment products through mobile and online channels. Directly comparable in the digital banking proposition (Banca ONLINE / Banca MOBILE) and product set, but with a pure-digital, no-branch model.
• Cajamar Caja Rural: Spain's largest rural cooperative credit group (caja rural), serving individuals, SMEs, and agri-business. Directly comparable to Caja de Ingenieros in cooperative ownership structure, retail and SME banking focus, and Spanish regional operating model.
• Triodos Bank: European cooperative and values-led bank with operations in Spain. Comparable as a values-driven, member-aligned retail and commercial bank in the Spanish market, with a focus on sustainable finance and similar governance structure.
• Laboral Kutxa: Spanish cooperative bank tied to worker cooperatives and individuals. Comparable as a member-owned Spanish cooperative offering retail banking, mortgages, cards, and investment products to a defined community segment, with a similar values-driven brand.
• Cajasur: Spanish regional bank (formerly a savings bank, now part of Kutxabank group) with retail and SME focus in Andalusia. Comparable as a regional Spanish cooperative-style bank offering full retail, mortgage, and wealth products, though operating in a different regional cluster.

Broad incumbents

• Banca March: Spanish private/family-owned bank providing retail, private banking, and asset management services. Comparable as a Spanish retail and wealth-management bank with a multi-product offering, though with a stronger private-banking tilt than Caja de Ingenieros.
• CaixaBank: Spain's largest domestic retail bank. Overlaps heavily on product offering (mortgages, cards, investment funds, pensions, insurance) and customer segments in Catalonia and the rest of Spain, but operates at vastly larger scale and broader geographic footprint.
• Bankinter: Mid-sized Spanish commercial bank focused on retail, SME, and private banking. Comparable as a Spain-based retail and business bank competing for similar individuals, professionals, and SMEs, though significantly larger in scale.
• Ibercaja: Spanish regional bank originating as a savings bank (caja de ahorros), serving retail, SME, and institutional customers with national reach but strong regional roots. Comparable as a Spain-based multi-product retail bank with similar customer segments, though larger and broader.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/cajaingenieros
• YouTubeyoutube.com/user/cajaingenieros
• Facebookfacebook.com/caixadenginyers
• LinkedInlinkedin.com/company/grupo-caja-de-ingenieros
• Instagraminstagram.com/caixaenginyers

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

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 Caja de Ingenieros