Imagin review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Imagin runs a Spanish current account, a debit card and an easy-access savings pot, with a monthly fee of €0 on the account. It suits households in Spain that want everyday money and savings in the same app, and it will not suit anyone hoping the pot pays interest, since the headline rate is 0%.
Key facts
- Best for
- A no-cost Spanish current account, card and easy-access savings run together.
- Monthly fee
- €0↗
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Legal entity
- imaginersGen, S.A.↗
- Headquarters
- Spain↗
- Founded
- 2011↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Features
- Travel
- Audience
- Kids
- Official website
- imagin.com
Credit cards
- Annual fee
- €0↗
- APR
- 0% to 22.42%↗
- Rewards type
- None↗
- Perks
- Free cash withdrawals at 11,000+ CaixaBank ATMs, Virtual card downloadable to phone, Split past purchases into installments, Instant card activation/blocking via app, Mobile payment integration (Apple Pay, contactless)↗
- Card kind
- Credit↗
- Pricing model
- No annual fee
Savings
- Headline rate
- 0%↗
- Rate type
- Variable↗
- Minimum deposit
- €20↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Savings withdrawable at any time, in part or in full; Huchas is a sight current account with operational limitations, and an open imaginBank account is required to contract it↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- A debit card for a current account with a monthly fee of €0 and a credit card annual fee of €0.
- Currency conversion costs 0% on the credit card, under the 1% median across the site.
- Deposits are covered by EU DGS up to EUR 100,000, and savings come out in whole or in part whenever you want.
- Support runs on phone, email and chat.
Cons
- The savings headline rate is 0%, so the pot is for storing money rather than growing it.
- The rewards type is none, so there is no cashback, points or miles on the card.
- The savings pot is a sight current account with operational limitations, and an open imaginBank account is required before you can contract it.
Ready to try Imagin?
Scored 9.3 / 10 by SumCue.
Who it suits
- Spanish households who want a current account, a card and easy-access savings run from the same app.
- Families saving for children, which matches the kids focus.
- Travellers paying abroad, since the credit card charges 0% currency conversion and the card range is built for travel.
Who should look elsewhere
- Wise, if you convert currency often and want to weigh conversion charges against the 0% fee here.
- Starling Personal Account Debit Card, for readers who want free cash withdrawals outside the CaixaBank network listed in Free cash withdrawals at 11,000+ CaixaBank ATMs, Virtual card downloadable to phone and Split past purchases into installments.
- Varo Believe Secured Credit Card, if a secured card matters more to you than the credit card charging 0% to 22.42%.
How Imagin compares
9.3 vs 9.4
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9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
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9.3 vs 8.9
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 8.4
9.3 vs 8.5
9.3 vs 8.8
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
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9.3 vs 9.4
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9.3 vs 9.3
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9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
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9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.0- 9.3 vs 8.0
Where Imagin is available
- Available
- Spain
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Imagin current account cost each month?+
The current account carries a monthly fee of €0, and the credit card annual fee is €0. Imagin ranks at 1 on monthly fee among the 422 brands compared here, so the running cost sits at the cheap end of the table.
How much interest does the savings pot pay?+
The headline rate is 0% and the rate type is variable, so the pot is a place to keep money rather than grow it. The account kind is easy access, which matches an easy-access approach where the balance stays withdrawable whenever you want it.
What is the minimum deposit and can I get my money out?+
The minimum deposit is €20, and savings can be withdrawn at any time, in part or in full. One catch sits in the terms: the pot is a sight current account with operational limitations, and an open imaginBank account is required before you can contract it.
Is my money protected?+
Deposits are covered by EU DGS up to EUR 100,000, so a balance in the savings pot sits inside a protection scheme. For scale, the site shows a median retail loss percentage of 70.15% across the brands it covers, which is why blocking the card quickly in the app matters.
Does the card cost anything when I spend abroad?+
The currency conversion fee is 0%, against a median of 1% across the site, and the card range is built for travel. Borrowing on the credit card runs at 0% to 22.42%, so it works better as a revolving balance than as a long-term loan.
Are there rewards on the card?+
The rewards type is none, so nothing comes back in cashback, points or miles. Cashback is the most common rewards structure on the site, at 45.9%, which is the part Imagin leaves out.
What can I do in the app, and how do I get help?+
Perks include Free cash withdrawals at 11,000+ CaixaBank ATMs, Virtual card downloadable to phone and Split past purchases into installments. Support runs on phone, email and chat, so phone, email, chat and a help centre are all listed for card questions, and blocking or activating the card happens in the app rather than over the phone.
Who is the brand aimed at, and where is it based?+
The stated audience is kids, the home base is ES and the issuer named on the card pages is imaginersGen, S.A.. It is pitched at Spanish households, so the appeal is narrower than that of an account meant for several markets at once.
Sources
- en.wikipedia.org/wiki/CaixaBank checked September 26, 2026
Backs: Founded, Headquarters
“CaixaBank, S.A. founded in January 2011”
- imagin.com checked September 26, 2026
Backs: Audience, Deposit protection
- imagin.com/ahorro checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“'Huchas' is a modality of sight current account with operational limitations for receiving income; you can withdraw your savings at any moment, in part or in full”
- imagin.com/cuentas/cuenta-corriente-sin-comisiones checked September 26, 2026
Backs: Monthly fee
- imagin.com/en/cards/credit/imagin-credit-card checked September 26, 2026
Backs: Annual fee, APR, Card kind, Currency conversion fee, Legal entity, Pricing model, Perks, Rewards type
“€0 for card issuance and maintenance”
- imagin.com/en/faqs/cards checked September 26, 2026
Backs: Support channels
“Phone support: 93 887 25 08, 900 211 211; Email support; Live chat via mobile app; Help Center”
- imagin.com/tarjetas/tarjeta-imagin-debito checked September 26, 2026
Backs: Card type
“Tarjeta imagin debito”
- imagin.com/tarjetas/tarjeta-para-viajar checked September 26, 2026
Backs: Features
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Imagin
A no-cost Spanish current account, card and easy-access savings run together.