Account information

It is a deposit into which you can deposit and withdraw money immediately and without any penalty.

The most common costs for using your current account can be found in the Fee Information Document (FID). The document is available on this website by accessing each type of account.

You can also view the prices usually applied to the most common banking services (Appendix 1) at this link.

In addition to depositing and withdrawing money, the account, which is identified using an IBAN, is the basis for performing other banking operations such as making transfers to another current account (yours another party's) or to allow you to receive bills by direct debit (such as electricity bills or a gym membership). You can find more information on these transactions at the following link.

They can do this through a branch or this website. During the registration process, we will tell them what documents or information we need.

Especially if they open the account online, they should carefully read the pre-contractual documentation and the contract that we will provide and ask us any questions they have by calling 93 887 25 25 or 900 40 40 90.

Yes, but you must bear in mind that the other people who share the account with you can carry out transactions and withdraw money from the account without needing your authorisation.

We can (but are not required to) pay for you to avoid problems with the recipient of the money, but bear in mind that we will charge you for the money we have lent you. You must notify us if you do not want us to do this. 

We will have to see what happened, but it is essential that you report any problems you have as soon as possible. This link shows the different numbers you can call depending on the problem you are having.

CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions, which guarantees €100,000 per depositor and credit institution. If you want more information, you can find it here.

The "cashier service" is the set of transactional operations related to accounts. These transactions include collections and payments, income, cash withdrawals, transfers, statement requests, and more.

At CaixaBank, you can do these transactions through these channels:

• CaixaBankNow
• ATMs
• Branch teller

At CaixaBankNow and at ATMs, you can do any operation of the cashier service yourself. It is available 24 hours a day, seven days a week, and has no additional costs. CaixaBank also has a free helpline for enquiries and incidents: 900 40 40 90.

In the branch, the cashier service is provided by an adviser who will attend to you personally. It is only available in Store branches. To see which branches offer the cashier service, see our website or call 900 40 40 90. They are open Monday to Friday, from 8:15 am to 2:30 pm, and Thursday from 4:15 pm to 6:30 pm. During summer hours (May to September), branches are closed on Thursday afternoons.

Yes, if you receive the service with a Día a Día checking account or you are an imagin customer.

At CaixaBank, we charge 2 euros for carrying out the following transactions through a teller: cash deposits, internal and external transfers, payment of non-direct debited bills (except taxes) and statement requests.

The service is free in the following cases:

• If the ATMs at the branch do not work correctly due to a technical problem and do not let you carry out the operation.
• If you are over 65.
• If you are under 18.
• If you are a person with disabilities.
• If you have an HolaBank account, a basic payment, social or insertion account.  

The cost of the cashier service with a teller is separate from the cost of the transactions that are carried out and from the fee of the Día a Día account. The fee is generated at the time the transaction is made and is charged to the account the following day.

To make sure that you are the one making and authorising a payment with one of your CaixaBank cards, we verify your identity through a combination of two elements that we previously assigned to you securely and unambiguously. These elements will always fall under 2 out of 3 possible categories: something only you know (CaixaBankNow password), something only you have (your mobile) and something unique to you (fingerprint).

However, we may change verification methods at any time to improve your user experience and/or enhance security. In these cases, we will let you know well in advance.

And remember, neither we nor anyone working for us (agents, technicians, etc.) will ever ask you to provide your passwords or other security codes (whether by phone, email, SMS, or social media). If someone does so, they're probably trying to scam you.

• Operating limits. You can set amount limits for transactions that are done through CaixaBankNow. You can check the current limits from the "Contracts" section of CaixaBankNow, in the Personal settings. If you want to change them, please contact your adviser.
• Updated information on cybersecurity. We have a website with recommendations on security and good practices in online environments. We will also periodically send a "CaixaBankProtectNews" newsletter to your email and Mailbox detailing any new developments.
• Contact email to detect cyberscams: [email protected] If you are unsure about the authenticity of any messages you receive from CaixaBank by email, SMS or other digital channels, you can forward them to this email. A specialised team will analyse the message and get back to you, free of charge.
• Security alerts via your mobile. You can receive them by SMS or through notifications from the CaixaBankNow app (you have to enable notifications on your device).
• Managing devices linked to CaixaBankNow. You can check the mobiles, computers and tablets that can access your account online to detect any irregularities or delete any devices you no longer use. You can do so from the "Manage my devices" section, in the Personal settings.

No, it is not necessary. You can request that an account be closed at any time. We are required to process your request within 24 hours. If you share the account with other account holders, you all have to ask us to close it.

Yes, you can ask to be removed from an account at any time as a joint account holder without needing authorisation from the other account holders with whom you share the account.

Yes, we can propose changes to service fees if we think they are necessary to adapt to market conditions or technological, organisational or legal developments, or to enhance security or the user experience.

We will notify you of any proposed changes at least 2 months before the effective date of the new terms and conditions. You may exercise your right to object to the proposed change during this time. If you do, we will cancel your contract at no additional cost.

We will let you know what methods you can use to exercise your right to object to the change. These methods will include at least your local branch and an online channel.

You must be of legal age to open a bank account. Minors can also open an account as soon as they have a DNI or provisional NIF. Minor contracts must be Sole Ownership, unless expressly authorised by the Legal Advisory Services. It is essential that at least one Legal Representative be appointed. 

It is important to note that only parents or legal guardians of minors can open an account for them. If grandparents or aunts and uncles want to help the child save, they can give the child money, but they can never open an account for the child if they are not the child's legal guardian.

You can direct deposit your salary quickly and easily from your CaixaBankNow online banking and at a branch. You can also benefit from many advantages. Request more information here.

Fees depend on the type of account. In any case, the cost is paid through the various fees that you may be charged to use the account.

It is customary to have an account with a single fee that includes a package of services. It also varies depending on each financial institution.

Finding out the fees for the payment account you want to open is easy. We have an Informative Fee Brochure, which explains the fees for the most representative services of our payment accounts. The document is available on this website by accessing each type of account. And by following the link.

For example, these are some of the most common account fees:

• Administration and maintenance fee for simply having the account.
• Per transfer.
• Per cheque deposit.
• Per cash withdrawal.

If you live in the country, you must provide your DNI/NIF or foreign resident's card (NIE). For non-residents, certificates of non-residence and census registration and passport are required.

You can do this quickly and easily through CaixaBankNow and our ATMs, available 24-hours a day, 7 days a week, at no additional cost. CaixaBank also has a free helpline for enquiries and incidents. You just need to sign in to CaixaBankNow with your passwords, and you can view your account balance and transactions through the "Accounts" tab. You can also request it over the counter from any branch.

If an account is an "or" joint account, this means that any account holder can carry out any transaction with just their signature. If, on the other hand, it is an "and" joint account, the signatures of all the holders (or multiple holders) are required to carry out a transaction.

A bank account is an "or" joint account when any of the account holders can carry out banking transactions such as cash withdrawals and transfers, among others, with their signature alone. This means that they do not need the approval or signature of the other holders to carry out these actions.

In contrast, an "and" joint account requires all transactions to be authorised with the signature of all the account holders, or at least several of them, as agreed in the account contract.

If these orders impede the management of the account, we may be forced to block the account and suspend our services until the account holders resolve their differences or until the corresponding legal authority rules as appropriate. In certain cases, we may even have to deposit the money with the competent legal authority. In such cases, we would inform the holders of the specific reason for the blockage.

If we receive contradictory orders from the account holders, it can be difficult to manage the account. If these differences between the account holders persist and hinder the management of the account, CaixaBank may block the account. This block will remain in place until the account holders resolve their differences satisfactorily, or until a legal authority intervenes and takes a decision on this matter.

In more extreme cases, if no decision is reached, we could even appropriate the funds deposited, handing them over to the competent legal authority. In these cases, CaixaBank undertakes to inform the account holders of the specific reasons for the block and the measures taken.

An online account with no fees is a type of bank account that the customer opens online using the bank's website or app. In this type of account, the contract between the customer and the bank is entered into online and, since there are no fees, no management or maintenance fees are charged on the account.

You can choose the best bank account for your situation and needs. Look at aspects such as whether it is an online account, has no fees, whether you can withdraw money from multiple ATMs, whether it has an associated card at no extra cost, whether you would have a quality and easy-to-use application for all your online operations, whether you can make your payments online or through bizum, whether you can make transfers at no cost.

The most common costs for using your current account can be found in the Fee Information Document (FID). The document is available here, accessing each type of account to compare the conditions with any other current account.

No, the online account does not have maintenance costs. Below you will find the documents with all the detailed pre-contractual information.

Pre-contractual information on current accounts and digital banking

Pre-contractual information about the debit card

Fee Information Document

In your no-fee bank account, you can carry out all the operations of any bank account, such as making payments, receiving your income, having your salary paid directly into your account, managing your bills, and there are no administration and/or maintenance fees for the account.

Yes, you can use any of our 11,000 ATMs.

To open your online account, you will need:

A device with a camera and good internet connection

Your personal details: name, address, etc.

If you live in Spain, you will need the following documentation.

• If you are a Spanish citizen, have your DNI ready.
• If you are not a Spanish citizen and you are a resident of Spain:
  • If you are a citizen of a European Union or Schengen country, have your country's identity document or passport and the European Union residence certificate at hand.
  • If you are not an EU citizen, you must have an NIE.
• If you are self-employed, have ready:
  1. Census declaration of registration (form 036/037)
  2. One of the following documents:
  - Annual VAT summary (form 390)
  - Personal income tax return (form 100/130)
  - Justification of turnover by means of VAT tax (form 303)

All you need is for the device you are applying with to have a camera.

You will be able to validate your documentation through the secure video-identification process:

• Make sure you are in a well-lit place and have a good connection.
• Follow the instructions carefully:
  1. Show the front of your document.
  2. Tilt and move the front so that the security features are visible.
  3. Show the back of your document.
  4. Say out loud the code that will be shown on the screen.
  5. Smile for the camera!

All account holders have the same rights and obligations. Therefore, it is important that all account holders have some kind of control or supervision.

• Once the registration process is complete, you will receive the CaixaBankNow digital banking login identifier via email.
• You can access CaixaBankNow via the CaixaBank website or by downloading the app to your mobile phone.
• The keys to access CaixaBankNow are:
  • Identification: your DNI without the letter.
  • PIN: the password you created during the registration process.
• If you don't remember your password (PIN), please go to any of our branches to receive a new one.

If you are already a customer and want to start using CaixaBankNow digital banking, register on CaixaBankNow.

Non-residents in Spain can register with the Holabank account online at CaixaBank. Have your passport and/or your country's identity card to hand. We will tell you which one we will need according to your country.

You can register online for non-residents here.

If you identify yourself with your DNI in a CaixaBank branch, you will also be able to do the following operations that you can't right now:

• Deposit over €600 a month in cash at an ATM using your card.
• Deposit over €1000 a year in cash at an ATM without using your card.

Make domestic or international transfers in non-euro currencies, up to €999.<br>

At CaixaBank you can open a single online account with no fees or conditions.

No, it is not necessary to have your salary paid directly into this account. But if you prefer, you can direct deposit your salary quickly and easily from your CaixaBankNow online banking and at a branch. You can also benefit from many advantages. Request more information here.

You can open your new account for yourself or share it with up to 4 people if they are already CaixaBank customers.

It is a fairly quick and simple operation. You may open an individual bank account if you are of legal age. If you live in the country, you must provide your DNI/NIF or foreign resident's card (NIE). For non-residents, certificates of non-residence and census registration and passport are required.

At CaixaBank we have various types of accounts depending on what you need. It will mainly depend on whether you open it as a natural person or a legal person and will also vary depending on the characteristics of the client and the purpose of the transaction.

Yes, you can open a new bank account from the app. If you are already a customer, you can do so from your own CaixaBankNow Digital Banking (website or app) or through a branch. If you are not yet a customer, you can open your online bank account and become a customer here.

Any person who does not have another payment account in Spain is entitled to access a basic payment account, except in specific instances governed by regulations (Royal Decree-Law 19/2017 of 24 November). You are not required to purchase other products or services from the bank to hold a basic payment account.

You can find more information and terms and conditions for opening this account on our website.