Set up a direct debit for your payroll or professional earnings, and the receipt of your professional association, and enjoy all these advantages:
Have your salary or professional income paid directly into your account, and receive your collective's bill and enjoy all these benefits1:
No fees or commissions on your day-to-day transactions:
- Account maintenance and administration in euros2
- Issuance and maintenance fee for your MyCard credit card3
- All standard SEPA transfers in euros sent or received anywhere in the EU (provided all the required information is entered with no mistakes)
- Negotiation and clearing of national cheques in euros
Visa Platinum3 credit card with no issuance or maintenance fee and with all these services:
- Priority Pass: entry to more than 1,200 VIP lounges at airports around the world
- Accident insurance: coverage up to €750,000
- Travel insurance
- Concierge: personal assistant to help you get things done
VIA-T by Bip&Drive, with no annual fee:
- Pay at toll stations without having to stop
1. For customers who pay in their salary or professional income (amounts not accumulable) > €2,500 / month + direct debit of collective bill.
2. The account is not remunerated. The APR may vary depending on whether the customer meets the discount requirements and depending on the average customer balance as a result of the application of fees for a fixed amount. Fully discounted account: 0% APR, 0% NIR. The APR is calculated for the account of customers who pay in their salary or professional income (amounts not accumulable) >€2,500 month and who maintain an average balance of €5,000 for one year. Non-discounted account: - 4.71% APR, 0% NIR. The APR is calculated for the account of a customer that does not meet any free-of-charge requirements (€60/quarter) and that maintains an average balance of €5,000 for one year.
3. Includes a Visa Platinum credit card contract and another MyCard credit card contract with two cards (holder + additional holder). Approval of credit cards conditional upon a prior analysis of the applicant’s solvency and repayment capacity, in accordance with the risk policies of the card issuer. Card issued by hybrid payment institution CaixaBank Payments & Consumer, E.F.C. E.P., S.A.U., with Spanish Tax ID A-08980153, and filed with the Registry of Institutions of the Bank of Spain with code 8776. CaixaBank, S.A. acts as agent of the card issuer. The system for protecting the funds of customers using payment services chosen by CaixaBank Payments & Consumer consists of a deposit in a separate account opened at CaixaBank, S.A. The Concierge service is offered to cardholders of CaixaBank Payments & Consumer directly by Viajes El Corte Inglés S.A., with tax number A-28229813 and registered office in Madrid, which is fully responsible for providing this service.
Enjoy your bank here, there and, above all, now. With CaixaBank's NOW, all the advantages you want go with you wherever you go:
CaixaBankNow App
- Simple, fast and intuitive to make your everyday life easier
- Manage your finances 24h a day
My finances, a general overview of all your banks
- Manage your finances from any device
- Integrate information on your accounts and cards from other banks
- Includes a monthly report and sends predictive alerts
Bizum
- Send or request money on the spot
- Just enter the mobile phone number (no account number needed)
CaixaBankProtect®, to protect your purchases
- Notifications for transactions involving high amounts
- Emergency cash in the vast majority of countries
Innovative ways of investing tailored to your needs:
BrokerNow
The new way of investing in the stock market:
- Up-to-the-minute information to make better decisions
- General overview of stock prices in the main markets
- Wide range of tools and interactive graphs
SmartMoney
Join the future of investing from just €500. An automated portfolio management service available through CaixaBankNow digital banking:
- Delegate management to qualified professionals
- The investment strategy is responsive to market changes
- Transparent costs: fixed annual fee of 0.73% (VAT included) on the average balance of your portfolio1
Customer trading desk
A telephone serviced intended for active stock market investors, with an average transaction amount of €15,000. This agile service lets the customer place orders directly across different markets under the supervision of professional traders.
- Service at no additional cost beyond trading fees
- Order handling service available to help ensure the best results for the customer
- Service available on all business days for the national stock exchange, from 08:30 through to 18:00
You can consult the information brochure of maximum prices in operations and services of the securities market at www.caixabank.es.
1. For example, for an investment of €500, supposing that the portfolio is neither revalued or depreciated, a fee of €3.65 will be payable. Fees are subject to prevailing VAT at all times. SmartMoney is a discretionary management service of investment funds portfolios provided by CaixaBank, S.A. and CaixaBank delegates portfolio management to CaixaBank, A.M., SGIIC, S.A.U. registered at the CNMV under registration number 15, which is in turn the manager of the funds in which the portfolios invest. CecaBank, S.A., filed with the CNMV under number 236, is the depository institution for the funds. You may consult the prospectuses and the key investor information documents for the investment funds in which the portfolios may invest, at any CaixaBank branch or on the registers of the Spanish National Securities Market Commission (CNMV).
Personal Loan
- €0 start-up, arrangement or repayment fees
- Term: up to 6 years
With personal guarantee
- 3.97% APR (3.90% NIR)1
With property guarantee
- 2.27% APR (2.25% NIR)2
Master's loan
- €0 start-up, arrangement or repayment fees
- Term: up to 10 years
- 3.97% APR (3.90% NIR)3
- Capital grace period: up to 5 years
- Drawdowns: during the first five years
Credit account for specific liquidity needs
- €0 in start-up and renewal fees
- Maximum term: 2 years with annual renewal
- Insufficient funds fee: 0.15% quarterly
With personal guarantee
- 2.93% APR (2.90% NIR)4
With property guarantee
- 1.91% APR (1.90% NIR)5
Wivai
- The latest in technology and household appliances at your fingertips
- 0% APR6
- At your home free of charge
- Visit www.wivai.com.
1. Representative example: 3.97% APR calculated for a €15,000 loan. 3.90% NIR. Repayable over 72 months. Total amount owed €16,847.28 (capital €15,000 + interest €1,847.28). Total cost of the loan: €1,847.28. Monthly payments €233,99. There are no start-up or arrangement fees. French repayment system.
2. Representative example: 2.27% APR calculated for a €15,000 loan. 2.25% NIR. Repayable over 72 months. Total amount owed €16,049.52 (capital €15,000 + interest €1,049.52). Total cost of the loan: €1,049.52. Monthly payments €222.91. There are no start-up or arrangement fees. French repayment system.
3. Advertised product: personal loan. Representative example: 3.97% APR calculated for a loan of €10,000 to be drawn down in a single sum. 3.90% NIR. Repayment term: 5 years. Total amount owed €11,022.88 (€10,000 capital + €1,022.88 interest). Total cost of the loan: €1,022.88. Monthly payments: 59 instalments of €183.71 and a final instalment of €183.99. There are no start-up or arrangement fees. The example has been calculated without a grace period. French repayment system. The financing of the tuition fees for each academic year must be accredited by official documentation from the school where the studies are to be undertaken that show the amount and duration of said studies. Only annual or six-monthly drawdowns can be made during the grace period; these will correspond to the cost of the tuition fees and additional expenses related to the studies. The grace period is optional. During that period, the customer can make drawdowns on the total amount granted. The monthly payments will only correspond to the payment of interest on the amounts withdrawn and therefore no capital will be repaid during this period. After the grace period, no more drawdowns may be made. The total amount owed with a grace period is higher than the total amount without a grace period.
4. Representative example: 2.93% APR calculated for a credit account of €15,000, if a single drawdown is made for the total amount and the capital is paid back in a single payment on the maturity date. Term of 24 months. 2.90% NIR. Total amount owed €15,870 (capital €15,000 + interest €870). Quarterly payments of €108.75 (interest only). Total cost of the loan: €870. There are no start-up or arrangement fees.
5. Representative example: 1.91% APR calculated for a credit account of €15,000, if a single drawdown is made for the total amount and the capital is paid back in a single payment on the maturity date. Term of 24 months. 1.90% NIR. Total amount owed €15,570 (capital €15,000 + interest €570). Quarterly payments of €71.25 (interest only). Total cost of the loan: €570. There are no start-up or arrangement fees.
6. Advertised product: personal loan. Repayment period of up to 40 months depending on the amount requested. The amount of the loan shall be the retail price of the product to be financed. French repayment system. Representative example: APR of 0% with no interest calculated for a loan of €1,059 repayable over 30 months. NIR of 0%. Total amount repayable in instalments: €1,059 (€1,059 in principal + €0 in interest). Total cost of the loan: €0. Monthly repayments: 30 instalments of €35.30. Promotion and sale: Wivai Selectplace, S.A.U., Gran Via de les Corts Catalanes, 159-163, pl. 8, 08014 Barcelona. Companies Registry of Barcelona at volume 9373, folio 52, sheet B-50420, entry 1. Tax identification number (NIF): A-58481730. The product will be delivered within seven working days of the order date. For shipping restrictions or any other relevant information, such as right of withdrawal or warranty, please refer to the product datasheet available on www.Wivai.com, como el derecho de desistimiento o la garantía, en la ficha de cada producto en www.Wivai.com.
Ocean, the new online platform for funds managed by third parties in Spain and abroad.
Expand your investment options
A new service exclusively for CaixaBank customers that will help you to find and compare approximately 2,000 funds offered by more than 140 fund managers. Furthermore, you can take them out quickly and flexibly.
Invest in the present and in the future
Ocean provides you with the following advantages:
Access to nearly 2,000 funds marketed by more than 140 fund managers
Perform purchase and sale transactions in cash or bank transfers
Obtain detailed information in the prospectus and perform searches based on a high number of criteria
Compare funds according to their indicators and characteristics. You can also request new funds that are of interest to you and that the bank may approve.
Discover Ocean under Funds and Portfolios > Ocean funds finder.
Time: a unique approach to advisory services
Only through a comprehensive assessment of clients' needs can we organise their wealth, designing an investment strategy to meet their objectives at every stage of their lives.
With regular monitoring we can adapt this strategy to both your needs and objectives, and to changes in the environment.
Through your Private Banking manager and our IT platform, we provide you with all the information you need to help you to achieve your objectives.
By belonging to your group, you can enjoy our exclusive Private Banking service with access to Ocean and Time from as low as €300,000 of assets under management.
In no event should expressions such as “meet your goals”, “cover your needs”, “protect against”, “generate savings”, “complement”, “determine” or “protection against unforeseen events” be interpreted as an assurance or guarantee, unless expressly indicated otherwise, given that the products or services may be subject to market fluctuations and the investor may be at risk of losing all or part of the capital they have invested.
Further information: [email protected]
ADVERTISING
The offers contained in this brochure are aimed exclusively at the people who belong to the aforementioned group, provided that they are natural persons from the group with a salary or professional income (amounts cannot be accumulated) > €2500/month + group direct debit bill payment in CaixaBank. These conditions will be applicable from the month after the requirements are met. The financing conditions are valid only for new operations and their granting is conditional upon the analysis of the applicant’s solvency and repayment capacity, based on CaixaBank's risk policies. For another approach to financial operations or demand for services other than those of this offer, please contact us because they will be studied individually by our Bank.
NRI: 6700-2024/09542
This document is purely informative and does not constitute any request or investment recommendation in relation to the financial products and/or services described herein. No information contained in this document should be treated as financial, tax, legal or any other type of advice. Under no circumstances does this document replace or supersede any other legal document and the relevant document must be completed in each case, based on the type of investment being undertaken. Accordingly, the investor must always receive the relevant documentation required by law.