Faqs

Products

• What is a current account?

  It's an account in which you can deposit and take out money instantly with no penalties (unless you do so through an adviser in a branch).

• How much does an account and its services cost?

  Find out the prices that are usually applied to our banking services at this link.

• How do I open a current account?

  Very simple, with the imagin app or at your old branch. We will ask you for all the documentation and information we need during the process.

  Remember that if you are opening your account from our app, you can read the pre-contractual documentation and the contract, and ask us any questions you might have, here.

• Can I open an account with other people?

  Of course, you and another imaginer can open a joint account at any branch. Keep in mind that the other person can carry out transactions and withdraw all the money from the account without your authorisation.

• What happens if my account is overdrawn?

  We will be able (but not obliged) to pay for you to avoid problems with the recipient of the money. Remember that if we do so, we will charge you for the money we have lent you. If you don't want us to do so, you can always tell us.

• What happens when I want to pay or request money in a non-euro currency?

  We will charge you for the equivalent amount plus a percentage. If you are interested, here are our applicable exchange rates.

• What if there's a problem with my account?

  Whatever it is, it is important that you inform us as soon as possible so we can handle it. Here are all the contacts you can call depending on the problem you have.

• What would happen if Caixabank declared bankruptcy?

  CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions, which guarantees €100,000 per depositor in credit institution. But you can get more details on the subject here.

• You might be interested in...

  Bank of Spain Bank Customer Website.

  Finanzas para todos (Finance for all) (information website created by the Bank of Spain and the Spanish Securities Market Commission).

• Does the imaginBank account come with any fees?

  There are no fees with the imaginBank account! You can open your account and send and receive money at zero cost. You will also become an Infinity imaginer automatically and can enjoy the most exclusive benefits.

• How do I sign up for a no-fee imaginBank account if am already a CaixaBank customer?

  You can open an imaginBank account even if you already have a CaixaBank account. You can do this directly in the imagin app and start using your account with no fees.

• Can I open more than one imagin account?

  At imaginBank, we like simplicity. Therefore, we only permit one account per user. Why have multiple accounts when you can manage everything in one account?

• Can I register another account holder?

  No. The imagin account only permits one account holder.

• I can't see my imaginBank bank account. What do I have to do to see it in the app?

  If you already have a bank account and don't see it in the app, you just need to synchronise your products. From the 'Home' section or from the 'Profile options' menu, select the option 'Synchronise your imaginBank products'. Just enter your passwords provided to you by your branch and the movements of your account will automatically appear in your imagin app.

• How do I take out a loan, insurance, or any other product?

  In the 'Products' section you will see all our products: instant loans, travel insurance, saving methods, cards and much more. But remember that you need to become an Infinity imaginer, by opening a bank account, to get them.

• What insurance can you take out?

  To take out insurance, first you need to become an Infinity imaginer by opening an imaginBank bank account. Currently, the available types of insurance are imagin&Buy insurance, to protect your card purchases, savings insurance, dental insurance and travel insurance. We are working hard to offer you much more.

• Can I use Bizum within the imagin app?

  To use Bizum, first you need to become an Infinity imaginer by opening an imaginBank bank account. If you already have one, start to send and receive money easily.

• Does it cost to pay with Bizum in imagin&Split?

  No! Bizum is free of charge for all our customers.

• Why can't I use Bizum to pay for what I owe in imagin&Split?

  You can only pay a friend with Bizum if you have an imaginBank bank account. If you do not have an account, you can pay what you owe in cash or through another payment method outside of the application.

• What transactions can I carry out at an ATM?

  You can access more than 9,100 CaixaBank ATMs in Spain with a personalised imagin menu to carry out multiple operations:

  • Withdraw and deposit money.
  • Send money to anyone.
  • Deposit cheques.
  • Check your balance and transactions.
  • Change your card PIN.
  • Change the language.
• Which ATMs can I use to withdraw money with my imagin card?

  All ATMs!

  It's so easy: there are over 50,000 ATMs in Spain within the Euro6000, 4B and ServiRed networks where you can use your imagin card to withdraw money. However, withdrawals are only free at CaixaBank ATMs, where you will also have a customised menu with access to imagin operations.

  Other service providers (not CaixaBank) may apply a surcharge fee when you withdraw money, which we will charge to your account. This surcharge fee is applied by the institution that owns the ATM.

  However, for your peace of mind, please note that the service provider is required to display the exact amount of the surcharge fee on the ATM screen. Therefore, you can decide whether to cancel the transaction before it goes through. Furthermore, the amount of surcharge fee can vary and is not applied by all ATM service providers.