Caminos

What Caminos does

CBNK Banco de Colectivos S.A. (formerly Banco Caminos) is a privately held Spanish bank headquartered in Madrid, operating under a public limited company structure and regulated by Spanish banking authorities with CNMV-registered subsidiaries and standard €100,000 deposit guarantee coverage. Founded in 1977, the bank serves approximately 101–250 employees organized around dedicated verticals for individuals, businesses, private banking, engineering professionals (Ingeniería), healthcare and pharmacy professionals (Salud), and expatriates.

The bank's core technology is a conventional digital banking platform — online portal (clientes.cbnk.es) plus iOS and Android mobile apps with integrated mobile payments via Bizum, Apple Pay, and Google Pay. The product portfolio spans current and foreign-currency accounts, a suite of 12-month term deposits (including combined deposit-plus-portfolio-management and deposit-plus-funds structures), personal loans, mortgages, sustainable financing, investment funds, discretionary portfolio management, brokerage, a six-product pension plan range, debit/credit/business cards, and an extensive insurance catalogue (health, home, life, professional liability, construction, cybersecurity, D&O, travel, auto). Vertical-specific offerings include FarmaSmart community and SmartCash for pharmacies, plus a dedicated loyalty program (Programa Más CBNK).

Revenue is generated through traditional banking streams: net interest income on loans and mortgages, management fees on investment funds and pension plans, discretionary portfolio management fees, insurance commissions, and subscription-style recurring deposit products. Distribution is sales-led via a multi-channel approach combining a physical branch network, dedicated personal managers per professional collective, and the digital/mobile banking layer. In 2025 the bank launched the IMPULSA initiative — a €150M EIB-backed program dedicated to financing women entrepreneurs, the first EU intermediary program of its kind.

Name

Caminos

Legal name

CBNK Banco de Colectivos S.A.

Website

https://caminos.es

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

101–250 employees

Short description

CBNK Banco de Colectivos S.A. (formerly Banco Caminos) is a privately held Spanish bank specializing in tailored financial products and dedicated relationship management for professional collectives including engineers, pharmacists, businesses, and private banking clients.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Retail banking services
• Professional collective banking
• Mortgage lending products
• Investment fund management
• Pension plan products

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans, mortgages, and credit products
2. Deposits and Savings Products: Revenue from time deposits, savings accounts, and combined deposit products with investment funds
3. Investment Products: Management fees and commissions from investment funds (Fondos CBNK), discretionary portfolio management, and brokerage services
4. Pension Plans: Pension plan management and administration fees
5. Insurance Products: Commission revenue from insurance products including health, home, life, and professional liability insurance
6. Credit and Financing: Personal loans, mortgages (Hipoteca CBNK), credit lines, and sustainable financing products

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

Caminos (operationally CBNK Banco de Colectivos S.A., formerly Banco Caminos) is a Spanish retail and private bank that sells current and savings accounts, term deposits, consumer credit, mortgages, investment funds (including the Mercer range), pension plans, insurance and payment cards, served through 47 physical branches, online banking, a mobile app, and sponsored agreements with professional collectives such as engineers, pharmacists, doctors, lawyers, architects, economists and psychologists. The bank segments its offering into Persona (individuals), Empresa (businesses), Banca Privada (high-net-worth individuals) and Banca Patrocinada (professional collectives).

Product overview

CBNK (Banco de Colectivos) is a specialized Spanish banking institution serving distinct professional collectives including individuals (Personas), businesses (Empresa), private banking clients (Banca Privada), engineers (Ingeniería), and healthcare/pharmacy professionals (Salud). The bank operates a multi-module platform architecture offering core banking products including current and savings accounts (Cuenta Transparente, Mi Primera Cuenta CBNK, Cuenta en Divisa), term deposits with various structures (Depósito Nómina, Depósito Variable, Depósito Extra, Depósito Combinado with funds or pension plans), financing solutions (personal loans, mortgages, credit lines), investment services (discretionary portfolio management, stock brokerage, fund search), and a comprehensive range of pension plans (PPES CBNK Futuro Salud, CBNK Futuro RF/RV series). The product portfolio extends to card services (debit cards, Visa Classic, Visa Oro, Business cards, Vía-T toll payment), insurance products (health, home, life, travel, auto, professional liability, construction, cybersecurity), and specialized offerings like SmartCash for pharmacies and the FarmaSmart community. Mobile banking is supported through the CBNK app with mobile payment integrations including Bizum, Google Pay, and Apple Pay. The bank also manages investment funds including the CBNK Selección Infraestructuras fund and offers sustainable financing aligned with ESG criteria.

Differentiator

Problem solved

Functional benefit

Brands

• CBNK Salud: Specialized banking vertical for healthcare professionals and pharmacies, featuring products and services tailored to the health sector.
• CBNK Ingeniería
• FarmaSmart
• CBNK Banca Privada
• CBNK Gestión de Activos
• CBNK Pensiones
• CBNK Mediación de Seguros
• IMPULSA

Products and services

• Cuenta Nómina Payroll-linked current account for retail customers that waives or reduces standard account fees when salary is domiciled, available through the Persona segment.
• Cuenta Sin Comisiones Zero-fee retail current account for individual customers, marketed as a low-cost alternative to fee-charging accounts elsewhere.
• Depósito Nómina 12 meses 12-month term deposit paying 2.50% TAE, available to retail customers who domicile their salary through the bank.
• Depósito 24 meses 24-month term deposit paying 2.50% TAE for retail savers seeking a fixed-rate medium-term placement.
• Préstamo al Consumo Consumer loan product for individual customers for personal expenditure, with fixed monthly installments and bank-set pricing.
• Hipoteca Fija / Mixta / Variable Range of residential mortgage products (fixed, mixed and variable rate) for home purchase financing, with the Mixta offering a headline 2.10% TAE rate.
• Fondos de Inversión (Fondo Caminos Experiencia y Mercer) Proprietary investment fund (Fondo Caminos Experiencia) and a distribution partnership with Mercer funds, sold to retail and private banking customers under various risk profiles.
• Planes de Pensiones Tax-advantaged personal pension plans distributed to retail and private banking customers for retirement savings.
• Seguros (auto, hogar, vida, salud) Distribution of multi-line retail insurance products (motor, home, life, health) acting as an intermediary between customers and insurance carriers, generating commission income.
• Tarjeta UniCredit / Oro / Platinium Tiered portfolio of payment cards including UniCredit debit, Oro (gold) and Platinium (platinum) credit cards issued on the Visa network.
• Banca Patrocinada — FarmaSmart / Dentistas Dedicated banking programs for members of professional associations including FarmaSmart (pharmacists) and Dentistas (dentists), providing tailored accounts, financing, insurance and advisory under collective agreements.
• Banca Privada Private banking service for high-net-worth individuals offering discretionary and advisory investment mandates, structured mortgage lending, Lombard credit and bespoke wealth advisory.
• Banca Empresa Corporate banking package for SMEs including business accounts, financing, leasing, FX, insurance and merchant acquiring (TPV) services.

Quantifiable outcome

• Up to 2.75% TAE on combined deposit products

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature1 record

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Openbank: Digital-only subsidiary of Santander Group serving retail customers in Spain and Europe. Comparable to CBNK's digital banking channel and competes for the same mass-affluent and professional segments but through a pure app/online model.
• EVO Banco (Bankinter): Spanish digital bank (now part of Bankinter) targeting retail and self-employed customers with competitive deposit and account products. Comparable on the digital deposit and small-business banking axis where CBNK competes for professional clients.
• WiZink: Spanish digital bank/specialist credit card issuer focused on retail credit, cards and deposits. Comparable on the consumer deposit, card and unsecured credit products that CBNK also distributes to individuals and professionals.

Broad incumbents

• Bankinter: One of Spain's main listed commercial banks, offering retail, business and wealth management services across the country. Competes with CBNK across all customer segments but at materially larger scale and broader product scope.
• Ibercaja Banco: Spanish regional universal bank with strong retail, private banking and asset management franchises (Ibercaja Gestión). Comparable as a diversified Spanish bank with a notable wealth/pension arm, but much larger and broader than CBNK's niche focus.

Direct peers

• Banco Mediolanum España: Spanish subsidiary of the Italian Mediolanum group, offering personal banking, savings and wealth management via personal financial advisors. Comparable to CBNK's relationship-led retail/private banking model and reliance on fee-based distribution.
• Renta 4 Banco: Spanish independent bank listed on the BME, specializing in securities brokerage, discretionary portfolio management and investment funds. Comparable to CBNK on the asset management and intermediación bursátil side of the franchise.
• Andbank España: Private banking franchise of Andbank in Spain, focused on HNW individuals with discretionary portfolio management and advisory services. Closely comparable to CBNK's Banca Privada segment in customer profile, fee-based revenue model and product mix.
• Caixa d'Enginyers / Caja de Ingenieros: Spanish cooperative credit institution founded by and serving engineers and technical professionals. Directly comparable to CBNK's Ingenieria vertical in both target customer and product design, with similar emphasis on member-owned structure and sector-tailored banking services.

Regional players

• Cajamar Caja Rural: Spanish cooperative rural bank group with strong presence in southern and eastern Spain, serving individuals, SMEs and the agricultural sector. Comparable as a Spanish customer-cooperative-style institution with multi-vertical banking services, though anchored in agriculture rather than professions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/caminosgrupo
• YouTubeyoutube.com/@CBNK_Banco
• Facebookfacebook.com/cbnkbanco
• LinkedInlinkedin.com/company/2230922/admin/feed/posts
• Instagraminstagram.com/cbnk_banco

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 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 Caminos