Imagin Bank
Imagin is a 100% digital, commission-free banking brand in Spain, operated by imaginersGen, S.A. as agent of CaixaBank. It serves Spanish consumers with accounts, cards, loans, mortgages, insurance, and investments via a mobile app, backed by CaixaBank's 11,000+ ATM network.
- Company typePrivate
- Founded-
- HeadquartersMadrid, Spain
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Imagin Bank does
Imagin Bank is a 100% digital, commission-free banking brand operating exclusively in Spain, commercialized by imaginersGen, S.A. as an agent of CaixaBank, S.A. — the licensed credit institution (Banco de España code 2100) that provides all regulated banking infrastructure behind the brand. The core proposition is a no-fee current account (Cuenta imagin) extended into age-tiered sub-brands (imaginTeens for ages 12-17 and imaginKids for ages 0-11), and a full retail product suite that includes debit, credit, and prepaid cards (MyCard, imagin crédito, imagin&go, virtual e-Card), personal loans of €3,000-€30,000 over 6-72 months, fixed-rate mortgages, savings products (Huchas digital piggy banks, CaixaFuturo savings insurance), online brokerage and managed portfolios, and a broad insurance catalog distributed through VidaCaixa and SegurCaixa Adeslas. Shop Facilitea, an in-app technology marketplace with 0% TAE financing operated via partnership with Facilitea Selectplace, sits alongside Cashback rewards and the imaginSplit expense-sharing tool as non-financial engagement features.
The platform is delivered entirely through a mobile-first application published on iOS, Android, and Huawei AppGallery, with native integrations to Bizum for instant peer-to-peer transfers and Apple Pay for contactless payments. Although Imagin operates no branches of its own, customers access cash via the parent CaixaBank's network of 11,000+ ATMs across Spain. Distribution is direct-to-consumer and product-led: customer acquisition runs through app-store funnels, QR-code web signup, referral incentives of up to €500, and salary direct-deposit bonuses of up to €250, augmented by community-led growth across the imaginAcademy financial-education program, imaginPlanet sustainability initiatives (including ocean plastic recycling and the Proyecto Fluye river restoration program), and the imaginMusic and El Podcast de Final de mes media properties.
Because pricing to the consumer is zero-commission, revenue is generated indirectly: interchange on card transactions, net interest income from lending products, commissions on insurance and Shop Facilitea referrals, and brokerage fees on investment activity. All licensed financial services are delivered through CaixaBank entities, with card issuing handled by CaixaBank Payments & Consumer and customer deposits protected by Spain's Fondo de Garantía de Depósitos up to €100,000 per depositor. Imagin has held BCorp certification since 2020, operates only within Spanish territory, and has no separately disclosed headcount, revenue, or funding rounds because it is wholly contained within the CaixaBank group rather than an independent financial entity.
Imagin Bank firmographics
Firmographics- Name
- Imagin Bank
- Legal name
- imaginersGen, S.A.
- Website
- https://imaginbank.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Imagin is a 100% digital, commission-free banking brand in Spain, operated by imaginersGen, S.A. as agent of CaixaBank. It serves Spanish consumers with accounts, cards, loans, mortgages, insurance, and investments via a mobile app, backed by CaixaBank's 11,000+ ATM network.
- Ownership category
- akta.pro rank
Imagin Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211), Sales Financing (52222), Credit Intermediation and Related Activities (522)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- Embedded Insurance Distribution & Premium Financing (FSAGALAF), Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where Imagin Bank is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
Imagin Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure
Revenue model
- Interest Income on Loans: Revenue generated from personal loans (3,000€ to 30,000€), mortgage products, and credit card financing. Interest rates and margins built into lending products with repayment periods of 6-72 months for personal loans.
- Card and Payment Fees: Revenue from interchange fees on debit and credit card transactions, including premium card variants (MyCard, imagin crédito, imagin&go) and prepaid virtual cards.
- Insurance Distribution: Commission revenue from distributing insurance products through VidaCaixa (life insurance) and SegurCaixa Adeslas (non-life insurance including dental, auto, travel, mobile, pet, health, and home). CaixaBank acts as exclusive bancassurance operator.
- Investment Products: Brokerage commissions from online trading platform and revenue sharing from investment funds and portfolio management services offered through the app.
- Savings and Investment Products: Revenue from savings products (Huchas piggy banks, CaixaFuturo savings insurance) and investment offerings including broker services, mutual funds, and managed portfolios.
- Shop Facilitea Commerce: Revenue from technology product e-commerce through Facilitea partnership with Selectplace, generating financing referral income and potentially margins on product sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Imagin Account - Standard checking account with no fees |
| Subscription | Monthly | ImaginTeens - Teen account (12-17 years) |
| Subscription | Monthly | ImaginKids - Children's account (0-11 years) |
| Unit Pricing | Multi-year contract | Personal Loans |
| Transaction based/ take rate | Monthly | Shop Facilitea 0% Financing |
| Subscription | Monthly | Savings Products |
| Transaction based/ take rate | Pay-as-you-go | Investment Services |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels13 records
Imagin Bank product offering
Product offeringCore offering
Imagin Bank is a 100% digital, commission-free retail bank operating in Spain via a mobile-first app, offering current accounts (including youth and minor variants), debit/credit/prepaid cards, personal loans, fixed-rate mortgages, savings products, investment services, and a portfolio of insurance products. Licensed banking infrastructure is provided by parent CaixaBank, S.A., while insurance is distributed through VidaCaixa and SegurCaixa Adeslas. Value-add features include Cashback rewards, imaginSplit expense sharing, Apple Pay/Bizum integrations, and the Shop Facilitea technology marketplace with 0% TAE financing.
Product overview
Imagin Bank is a 100% digital neobank subsidiary of CaixaBank, operating as a commission-free online banking platform with a comprehensive suite of financial products. The core offering centers on fee-free current accounts (Cuenta imagin, imaginTeens for ages 12-17, and imaginKids for ages 0-11) paired with a full range of cards including debit, credit (MyCard, imagin&go), and prepaid options. The product ecosystem extends through personal loans (€3,000-€30,000, 6-72 months), fixed-rate mortgages, investment services (online broker, funds, managed portfolios), insurance products (health, auto, dental, travel, pet, home, mobile), and savings tools (digital piggy banks, CaixaFuturo). Non-financial lifestyle offerings include the Shop Facilitea technology marketplace with 0% financing, Cashback rewards, imaginSplit expense splitting, imaginMusic, and the imaginPlanet sustainability initiative. The bank integrates natively with Apple Pay and Bizum for mobile payments, and leverages CaixaBank's infrastructure including its 11,000+ ATM network for cash withdrawals. Financial services are delivered through CaixaBank, S.A. with insurance underwritten by VidaCaixa and SegurCaixa Adeslas, while payment cards are issued by CaixaBank Payments & Consumer.
Differentiator
Problem solved
Functional benefit
Brands
- imaginTeens: Digital banking account for teenagers aged 12 to 17 years
- imaginKids
- imaginMusic
- imaginPlanet
- Shop Facilitea
- El Podcast de Final de mes
Products and services
- Cuenta imagin (Cuenta sin comisiones)
- Cuenta imaginTeens
- Cuenta imaginKids
- Tarjeta imagin débito
- Tarjeta imagin crédito
- Tarjeta MyCard
- Tarjeta imagin&go
- Tarjeta prepago e-Card
- Préstamo personal
- Préstamo online preconcedido
- Préstamo para reformas
- Préstamo para viajes
- Préstamo para estudios
- Hipoteca fija
- Seguros (VidaCaixa y SegurCaixa Adeslas)
- Broker online
- Fondos de inversión
- Carteras de inversión
- Huchas de ahorro
- CaixaFuturo
- Shop Facilitea
- Carné Joven
- Cuenta para extranjeros
- Cuenta conjunta
- Programa Cashback imagin
Quantifiable outcome
- Up to 250€ reward for salary direct deposit
- +4 more outcomes
Companies that use Imagin Bank
Customer profileSegments6 records
Ideal customer profiles5 records
Imagin Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
Imagin Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and major.
- CaixaBank, S.A.coreParent banking institution providing banking infrastructure, deposits, loans, and regulatory framework. CaixaBank, S.A. is the licensed credit institution (registered in Banco de España, number 2100, NIF A08663619) behind all Imagin financial products. Imagin acts as a commercial brand while CaixaBank provides operational banking services.
- CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (CPC)coreHybrid payment entity offering all Imagin cards (debit, credit, prepaid). CPC provides payment infrastructure and card issuing services. Customer funds are protected via segregated accounts in CaixaBank.
- VidaCaixa, S.A.U. de Seguros y ReaseguroscoreLife insurance provider for Imagin's insurance product offerings. CaixaBank acts as exclusive bancassurance operator for VidaCaixa products distributed through the Imagin platform.
- SegurCaixa Adeslas, S.A. de Seguros y ReaseguroscoreNon-life insurance provider for Imagin's insurance products including dental, auto, travel, mobile, pet, health, and home insurance. CaixaBank is authorized distributor for SegurCaixa Adeslas.
- Facilitea Selectplace, S.A.U.majorE-commerce technology partner powering Shop Facilitea - Imagin's technology retail store offering 0% TAE financing on electronics and appliances. Enables installment payment options through CaixaBank loans or CPC credit cards.
- BizumcoreSpanish instant payment service integrated into Imagin app for peer-to-peer money transfers between bank accounts. Required activation for referral program completion.
- ApplemajorApple Pay integration enabling contactless mobile payments through Imagin cards on Apple devices. Available as part of mobile payment services offering.
- Regional Governments (ICF Catalonia, Madrid, Balearic Islands, Castilla y León, Extremadura, Valencia, Andalusia, Murcia, Basque Country)majorPartnership with 9 Spanish regional governments to offer subsidized mortgage programs for first-time young homebuyers. Provides favorable loan conditions and potential subsidies for housing purchase.
- Fondo de Garantía de Depósitos de Entidades de Crédito EspañolcoreSpanish Deposit Guarantee Fund protecting customer deposits up to 100,000€ per depositor. Provides regulatory protection and customer trust for Imagin Bank deposits.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Imagin Bank competitors and assessment
Company assessmentBroad incumbents
- CaixaBank: Parent entity and Spain's largest banking group; provides Imagin's banking license, infrastructure, and distribution (11,000+ ATMs); comparable as the underlying incumbent whose services Imagin re-packages as a digital brand.
Direct peers
- Starling Bank: UK digital bank with full banking license offering personal and business accounts, lending, and ecosystem partnerships; comparable as a digital challenger with strong product breadth and consumer focus.
- Openbank: Santander Group's digital-only bank in Spain offering accounts, cards, loans, and investment products; highly comparable as a bank-incubated digital brand with similar Spanish market focus and product set.
- Revolut: UK-headquartered global neobank operating in Spain offering commission-free digital accounts, cards, payments, and lifestyle features; directly comparable as a digital-first consumer banking brand targeting similar demographics.
- Orange Bank: Telecom-backed Spanish digital bank offering mobile accounts and cards; comparable as a digital-only consumer bank with a parent-distribution model similar to Imagin's CaixaBank relationship.
- N26: Berlin-based digital bank offering mobile-first checking accounts and cards across Europe including Spain; comparable in business model (digital-only, fee-free) and target customer (digital-native consumers).
- Bunq: Dutch-based pan-European neobank offering multi-currency accounts, cards, and savings; comparable as a digital-only consumer bank competing in the same European commission-free segment.
- Monzo: UK digital challenger bank offering mobile-first accounts, lending, and lifestyle integrations; comparable in product-led digital banking approach and emphasis on community-driven brand engagement.
- EVO Banco: Spanish digital bank offering commission-free accounts, cards, and personal loans with mobile-first delivery; directly comparable as a Spanish-market digital bank with overlapping product suite.
- WiZink: Spanish digital consumer finance specialist offering credit cards, personal loans, and savings products; comparable as a Spain-focused digital lender targeting commission-conscious customers with similar lending and card products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Imagin Bank social profiles
Digital presenceImagin Bank compliance and trust
Trust signalCompliance1 record
Imagin Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Imagin Bank leadership team
Management profileNumber of profiles
Imagin Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Imagin Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Imagin Bank
What does Imagin Bank do?
Imagin Bank is a 100% digital, commission-free retail bank operating in Spain via a mobile-first app, offering current accounts (including youth and minor variants), debit/credit/prepaid cards, personal loans, fixed-rate mortgages, savings products, investment services, and a portfolio of insurance products. Licensed banking infrastructure is provided by parent CaixaBank, S.A., while insurance is distributed through VidaCaixa and SegurCaixa Adeslas. Value-add features include Cashback rewards, imaginSplit expense sharing, Apple Pay/Bizum integrations, and the Shop Facilitea technology marketplace with 0% TAE financing.
Is Imagin Bank a public or private company?
Imagin Bank is a private company. It is classified as corporate owned and is currently operating.
When was Imagin Bank founded?
Imagin Bank was founded in -1. It employs 51 to 100 people.
Where is Imagin Bank based?
Imagin Bank is headquartered in Madrid, Spain, in the Europe region.
How does Imagin Bank make money?
Six revenue lines are on record. Interest Income on Loans are the primary driver. The others are card and Payment Fees, insurance Distribution, investment Products, savings and Investment Products and shop Facilitea Commerce.
Who are Imagin Bank's main competitors?
CaixaBank is listed as a broad incumbent. Direct peers are Starling Bank, Openbank, Revolut, Orange Bank, N26, Bunq, Monzo, EVO Banco and WiZink.
Does Imagin Bank have an API?
No public API is recorded for Imagin Bank.
What industry is Imagin Bank in?
Imagin Bank's product category is Retail Banking. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGALAF, Embedded Insurance Distribution & Premium Financing. Its NAICS code is 52211 and its SIC code is 6021.