What Colonya Caixa Pollenca does

Colonya Caixa Pollença (legal name: Colonya Caixa d'Estalvis de Pollença) is a regional savings bank (caja de ahorros) founded in 1880 in Pollença, Mallorca, and headquartered at Plaça Major, 7. It serves individuals, small and medium enterprises, and entrepreneurs across the Balearic Islands through a network of more than 22 branches spanning Mallorca, Menorca, and Ibiza, complemented by online banking (Colonya Directa) and a mobile app supporting Apple Pay, Google Pay, Bizum, and PSD2-compliant strong customer authentication.

The product platform covers the full retail and SME banking stack: current and savings accounts, Maestro and Mastercard debit/credit cards, personal and mortgage lending (including the Nova Hipoteca Jove IBAVI 100%-financing program for under-40s), investment funds, securities trading, single-premium savings, PIAS, life annuities, discretionary managed portfolios, pension plans (including a CASER partnership), reverse mortgages, and insurance products. Business banking extends to revolving credit lines, FEI and ISBA-guaranteed loans, subsidy advances, commercial discount, and TPV/POS services. Underlying technology is a standard PSD2/MiFID-compliant core banking platform with a documented open-banking API, integrated with major card networks (Mastercard, EURO 6000) and mobile wallet providers.

The revenue model combines net interest income from lending (mortgages, personal loans, business credit), transaction and account fees, recurring commissions from investment and pension products, and insurance distribution (with a 5% solidarity contribution from first-year premiums flowing to the Fundació Guillem Cifre de Colonya, established 1991). Pricing is not publicly disclosed and is set per branch. Differentiated value comes from the ethical savings program (Estalvi Ètic), a deep community footprint, and the Foundation's cultural/educational output, including the long-running Premio de Narrativa Infantil i Juvenil Guillem Cifre de Colonya. Business volume reached €1,438.6 million in 2025 with a 29.12% solvency ratio and 1,507 credit operations formalized for €111.84 million.

Name

Colonya Caixa Pollenca

Legal name

Colonya Caixa d'Estalvis de Pollença

Website

https://colonya.com

Company type

Private

Founded year

1880

Operating status

Operating

Headcount range

11–50 employees

Short description

Colonya Caixa Pollença is a regional Spanish savings bank founded in 1880, serving individuals, SMEs, and entrepreneurs across the Balearic Islands through 22+ branches, digital banking, and ethical-savings products, with social impact channeled via the Fundació Guillem Cifre de Colonya.

Ownership category

akta.pro rank

Headquarters

HQ city

Pollensa

HQ country

Spain

HQ region

Europe

Offices23 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including personal loans, mortgages, and business financing.
2. Account Fees and Commissions: Fees from account maintenance, transactions, card usage, and other banking services.
3. Investment Products: Revenue from investment funds, pension plans, and managed portfolios offered to customers.
4. Insurance Products: Insurance products for individuals and businesses, with a 5% solidarity contribution from first-year premiums going to the Foundation.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Colonya Caixa Pollença is a savings bank founded in 1880 in Pollença, Mallorca, that provides retail banking services including deposit accounts, payment cards, consumer and mortgage loans, investment funds, pension plans, and insurance products. It operates a network of more than 20 branches across the Balearic Islands and emphasizes community-rooted, ethical banking delivered alongside its associated foundation (Fundació Guillem Cifre de Colonya) and its Estalvi Ètic ethical savings programme.

Product overview

Colonya, Caixa d'Estalvis de Pollença is a regional savings bank based in Pollença, Mallorca, serving individuals, businesses, and entrepreneurs across the Balearic Islands. The bank operates a unified banking platform offering deposit accounts, credit cards (Maestro and Mastercard), personal and mortgage lending including the Nova Hipoteca Jove IBAVI youth program, and investment products (funds, stocks, PIAS, and managed portfolios). Insurance products are available for individuals and businesses, with pension plans including CASER GENERACIÓN collaboration and reverse mortgages for seniors. Digital services include mobile banking via the App de Colonya, Apple Pay/Google Pay mobile payments, Bizum instant transfers, online document signing, and TPV terminals for merchants. The bank's social mission is channeled through the Fundació Guillem Cifre de Colonya (founded 1991), which distributes resources from the bank's profits and the Estalvi Ètic ethical savings program to support social, cultural, educational, sports, and environmental initiatives. The Foundation sponsors the Premio de Narrativa Infantil i Juvenil Guillem Cifre de Colonya (since 1981) and publishes annual research on Education, Aging, and Youth for the Balearic Islands.

Differentiator

Problem solved

Functional benefit

Brands

• Estalvi Ètic (Ethical Savings): A ethical banking product where customers' savings are directed toward social causes, with voluntary contributions supporting 198 entities in 2025 totaling 471,000 euros.
• L'Estalvi Ètic

Products and services

• Personal Banking Accounts Deposit accounts, savings accounts and current accounts for individual customers, available through branches and online channels.
• Payment Cards Debit and credit cards for personal and business customers, integrated with contactless and mobile wallet payments.
• Consumer and Mortgage Loans Personal loans and home mortgage financing products for individual borrowers and property buyers.
• Business and Entrepreneur Banking Dedicated banking services for SMEs, businesses and entrepreneurs in the Balearic Islands, including dedicated accounts, financing and payment solutions.
• Investment Funds and Pension Plans Investment fund and pension plan products distributed to retail and business customers for long-term savings and retirement planning.
• Insurance Products Insurance offerings distributed through the bank to individual and business customers, covering protection and asset-related risks.
• Estalvi Ètic (Ethical Savings) Ethical savings programme through which customers' deposits are directed to finance social, environmental and cultural projects in the Balearic Islands.
• Colonya Directa (Online and Mobile Banking) Digital banking service allowing customers to access accounts, cards, transfers and other products through web and mobile channels.

Quantifiable outcome

• €471,000 distributed to 198 entities through Estalvi Ètic 2025
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core and minor.

• GIFES (Grup d'Investigació i Formació Educativa i Social - UIB)coreStrategic or Co-development Partner · 1 January 2023Research group directing the Anuario de la Juventud de las Illes Balears since its inception.
• MastercardcoreTechnology or Integration · 1 January 2020Payment card network partnership for Maestro and Mastercard debit and credit cards, enabling mobile payments via Apple Pay and Google Pay.
• Consejo de MallorcacoreStrategic or Co-development Partner · 1 January 2019Collaboration on the Clara Hammerl Predoctoral Contract for research training and since 2023 as sponsor of the contract.
• Apple Inc.coreTechnology or Integration · 1 January 2019Mobile payment integration through Apple Pay, allowing customers to make payments using Apple devices with Colonya cards.
• GooglecoreTechnology or Integration · 1 January 2019Mobile payment integration through Google Pay, enabling customers to make mobile payments with Colonya cards.
• Consells Menorca, Eivissa i FormenteraminorStrategic or Co-development Partner · 1 January 2018Collaboration since 2023 on the Anuario de la Juventud, expanding geographic coverage of the youth research publication.
• Editorial BarcanovacoreStrategic or Co-development Partner · 1 January 2016Publisher partner for the Premio de Narrativa Infantil i Juvenil Guillem Cifre de Colonya, publishing winning works since 1981.
• Club PollençaminorStrategic or Co-development Partner · 1 January 2015Annual convention agreement since 2015 supporting cultural activities, notably architecture conferences, one of the most established agreements in the Foundation's social work.
• IES Guillem Cifre de Colonya and IES Clara HammerlminorStrategic or Co-development Partner · 1 January 2015Convention agreements since 2015 with the secondary schools named after the founders of Colonya, supporting cultural and social activities and dissemination of their legacy.
• Es Baluard Museu d'Art Contemporani de PalmacoreStrategic or Co-development Partner · 1 January 2014Annual collaboration agreement since 2014 for the Educational Space 'Espai Educatiu Guillem Cifre de Colonya' dedicated to educational and social activities in the museum's educational area.
• Fundación GadesominorStrategic or Co-development Partner · 1 January 2014Collaboration on the Anuario del Turismo de las Illes Balears (2014-2016) along with UIB and the Tourism Department of the Government of the Balearic Islands.
• Consell de Mallorca - Departament de Benestar SocialcoreStrategic or Co-development Partner · 1 January 2013Collaboration on the Anuario del Envejecimiento de las Illes Balears, contributing data and studies on population aging.
• Govern de les Illes Balears - Consejería de Educación y CulturacoreStrategic or Co-development Partner · 1 January 2013Collaboration on the Anuario de Educación de las Illes Balears (since 2004) and Anuario de la Juventud.
• Universitat de les Illes Balears (UIB)coreStrategic or Co-development Partner · 1 January 2004Collaboration on multiple publications: Anuario de Educación (since 2004), Anuario del Envejecimiento (since 2013), Anuario de la Juventud (since 2018). Also for the Clara Hammerl Predoctoral Contract.
• Teatre Principal de MaóminorStrategic or Co-development Partner · 1 January 2000Annual patronage convention since 2000, one of the first cultural collaborations in Menorca. The theater is the oldest opera house in Spain and holds the Gold Medal of Fine Arts.

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Caja de Ingenieros: A Spanish cooperative credit institution (cooperativa de crédito) with a member-owned, values-driven model similar to Colonya's nonprofit social mission. Competes in retail banking, mortgages, and investment products with a community-based approach.
• Triodos Bank: A European ethical and sustainable bank with a Spanish branch (Triodos Bank N.V. Sucursal en España). Competes on the same ethical-banking positioning Colonya has built with Estalvi Ètic, targeting values-driven retail and SME customers.
• Caixa Ontinyent: A small, independent Spanish caja de ahorros based in Valencia that, like Colonya, retains a community/nonprofit savings-bank model and shared the ADICAE 'institutional collaboration with consumers' award with Colonya. Closest structural and ethical-banking analog in the Spanish market.

Broad incumbents

• Colonya is a remaining independent caja; other historical Balearic/regional cajas (e.g., Sa Nostra, Caixa de les Illes Balears) have been absorbed by larger groups: A broad-incumbent reference: most of Colonya's historical regional and Balearic savings-bank peers (Sa Nostra, Caixa de les Illes Balears, Caixa de Catalunya) have been absorbed into CaixaBank, illustrating the consolidation pressure on remaining independent cajas.
• Kutxabank: A Spanish savings-bank group formed from the merger of the Basque cajas (BBK, Kutxa, Vital). Operates a similar retail/community savings-bank model across a defined regional territory but at materially larger scale than Colonya.
• Unicaja Banco: A Spanish universal bank created from the merger of several regional savings banks, with a strong retail and SME franchise. Competes in the same mortgage and SME lending categories as Colonya, but with national reach.
• Ibercaja: A large Spanish savings bank operating across Aragón and surrounding regions. Provides the same retail-banking, mortgage, and SME lending products as Colonya, but with much greater scale and geographic reach.
• CaixaBank: Spain's largest retail bank, formed largely from the integration of Caixa de Catalunya, Bankia, and other cajas. Operates an extensive Balearic branch network that directly overlaps with Colonya's geography, making it the dominant competitive threat locally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CaixaColonya
• Facebookfacebook.com/colonyacaixa

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Colonya Caixa Pollenca