▷ La caixa cuenta imagin | Actualizado septiembre 2024

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The main attraction of the imaginBank account (or imagin account) is that it is one of the few accounts without commissions or conditions on the market, which is why it has earned a prominent place in our monthly ranking of the best current accounts without payroll and the best online accounts.
Leaving aside the «less banking» options of imaginBank, the most complete option to become a Caixabank mobile banking customer is to become an imager Infinity, which will require you to sign up for the imaginBank account and the imaginBank Reload prepaid card. Before signing up for the imaginBank account, you should know that it is an account that frees you from the main fees:
If you are wondering if there is any account that beats imaginBank in this regard, the answer is yes, but with nuances. As you will see in our analysis of banks with more free ATMs, there are 10 entities that allow you to withdraw money at all ATMs in the country: Deutsche Bank, Pibank, ING, EVO Banco, N26, Bnext, Rebellion Pay, Revolut, Banco Mediolanum, and Banco Pichincha.

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It is very easy to change your account, especially if it is an account with the same bank. Although imagin is a different application, it is not a different bank, but a free alternative to CaixaBank. With imagin you won’t have any surprises in the form of unexpected fees, all operations will be free and you won’t have to assume any loyalty requirements. How to switch from CaixaBank to imagin?
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Caixabank has almost 30% of the salary account market, but is there any difference between contracting this product in its mobile banking or in its traditional banking, or in other words, between choosing imaginBank or La Caixa?
With this first approach to the imaginBank online offer (now imagin), it’s time to go into detail: what does the bank offer you if you decide to have your salary paid directly into your account? On the one hand, as we have already mentioned, a complete «zero commissions» policy:
La Caixa (now Caixabank) has a proposal for customers with a salary that is much more demanding than its mobile banking. However, if you sign up for it, you will be able to access one of the gifts for direct deposit of your salary that you can find on the market today.
The La Caixa Payroll Account can be opened at the bank’s branches or over the Internet. In addition, compared to the limitations presented by imaginBank, with La Caixa you will have more options to operate with your bank without paying commissions: you can do it at any Caixabank branch, by telephone or online, through CaixabankNow, the bank’s online banking service.

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Imagin is a 100% digital bank, dependent on CaixaBank. This means that, although Imagin does not have branches, offices or ATMs, it does offer its customers the possibility of accessing these face-to-face services through CaixaBank.
In any case, and although you can make use of these offices, the truth is that Imagin is a very efficient digital bank, which will allow you to do any type of transaction from the comfort of your home, using your Smartphone.
Therefore, all those operations that you can perform from your phone must be done from it to avoid CaixaBank commissions (for office administration fees, maintenance, etc.), and those that are impossible to perform digitally (such as depositing a check) can be done using the branch offices or ATMs.
The Reload debit card does not have commissions either. This is a prepaid card that you can obtain without having an Imagin account, a great alternative for those who simply need to make card payments without commissions.