Wallets/caixabank
CaixaBank + imagin
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Overview
CaixaBank is one of Spain's Big-3 banks + operates imagin, Spain's first mobile-only bank for millennials [1, 2, es-cro]. 2025 baseline: 12.66M CaixaBank group digital users + imagin 4M users + 41% penetration rate among 16-34 year financial customers + +30% digital sign-ups growth + +23% digital sales growth + 390K net customers FY25 + 4.9/5 Google Play (highest user rating of any banking entity app).
Distinctive CaixaBank positioning [1, 3]:
- Spain Big-3 bank
- 12.66M CaixaBank group digital users
- imagin: 4M users + 41% penetration rate among 16-34 year financial customers — distinctive Spanish neobank for millennials/young people
- CaixaBank mobile app: 4.9/5 Google Play (highest user rating of any banking entity app)
- +30% digital sign-ups growth + +23% digital sales growth in 2025
- 390K net customers gained in FY25
- Strong digital products portfolio: Cards + consumer loans + savings + investment + insurance
- CaixaBank-imagin Cashback program: Pioneering app-based cashback program reimbursing customers part of money spent on purchases
History
1904 — Caja de Pensiones para la Vejez y de Ahorros founded in Barcelona — distinctive Spanish savings-bank heritage (La Caixa de Pensions later renamed La Caixa).
1990 — Caixa de Barcelona + Caja de Pensiones merger to form La Caixa.
2011 — CaixaBank S.A. created as commercial banking spinoff of La Caixa Group + IPO on BME (BME: CABK).
2016 — imagin (formerly imaginBank) launches as Spain's first mobile-only bank for millennials.
2017 — CaixaBank acquires BPI (Banco BPI; Portugal) — distinctive Iberian banking consolidation.
March 2021 — CaixaBank + Bankia merger closes — distinctive Spanish mega-bank consolidation creating Spain's largest bank by Spanish customers.
2022 — imagin relaunched as digital services + lifestyle platform for 2.6M young people [2].
2025 — CaixaBank 12.66M group digital users + imagin 4M users + 41% penetration + 30% digital sign-ups growth + 23% digital sales growth + 4.9/5 Google Play [1, 3].
Ownership & operator
Operating entity: CaixaBank S.A. (BME: CABK).
Major shareholders: Fundación Bancaria La Caixa (Caixa Foundation; controlling shareholder ~30%) + FROB (Spanish state via Bank of Spain post-Bankia merger ~17%) + BlackRock + Vanguard + various Spanish institutional + BME public float.
Regulators: BdE (Banco de España) + CNMV (Comisión Nacional del Mercado de Valores) + ECB.
Technical integration
| Layer | Description |
|---|---|
| Channels | CaixaBank app (iOS + Android; primary ES retail-banking mobile channel; 4.9/5 Google Play) + imagin app (iOS + Android; Spain's first mobile-only bank for millennials since 2016; 4M users) + CaixaBank Now Online + CaixaBank cards (Visa + Mastercard) + CaixaBank branch network (largest Spanish branch network) |
| Identifiers | Phone + email + card number + DNI |
| ES rails | bizum + [[sepa-instant]] (Spanish national P2P payment + EU SEPA Instant) |
| License | Bank (CaixaBank full Spanish banking license; Spain Big-3 bank + Portuguese BPI subsidiary) |
| Sub-products | CaixaBank Account + CaixaBank Cards + CaixaBank Crédito + CaixaBank Mortgages + CaixaBank Investments + CaixaBank Insurance + CaixaBank for Business + CaixaBank Private + imagin (mobile-only bank for millennials/young people) + imaginCashback + Banco BPI (Portuguese subsidiary post-2017 acquisition) + CaixaBank Asset Management + VidaCaixa (life insurance subsidiary) + SegurCaixa Adeslas (insurance JV) + CaixaBank Tech |
| Distinctive 4.9/5 Google Play: Highest user rating of any banking entity app | |
| Distinctive imagin Cashback program: Pioneering app-based cashback program (CaixaBank + imagin) |
Users & growth
- 12.66M CaixaBank group digital users
- imagin 4M users + 41% penetration rate among 16-34 year financial customers
- +30% digital sign-ups growth + +23% digital sales growth in 2025
- 390K net customers gained in FY25
- CaixaBank mobile app 4.9/5 Google Play (highest user rating of any banking entity app)
- Spain Big-3 bank
Use cases
Spanish + Portuguese (Banco BPI) retail + corporate + investment + insurance + private banking via CaixaBank app + imagin app (Spain's first mobile-only bank for millennials; 4M users) + CaixaBank Now Online + cards + branches (largest Spanish branch network); Bizum P2P + SEPA Instant Spanish rails; imaginCashback pioneering app-based cashback program; VidaCaixa life insurance + SegurCaixa Adeslas insurance JV; Banco BPI Portuguese subsidiary.
Implementations & partners
Operator: CaixaBank S.A. (BME: CABK).
Major shareholders: Fundación Bancaria La Caixa (Caixa Foundation; controlling shareholder ~30%) + FROB (Spanish state via Bank of Spain post-Bankia merger ~17%) + BlackRock + Vanguard + Spanish institutional + BME public float.
Major Spanish banking competitors:
- [[santander-spain]] (Banco Santander; Spain #1 bank by total assets €836.78B; Europe's 4th largest by assets $2.251T global; ~165M global customers across 30+ countries)
- [[bbva-spain]] (BBVA Group; Spain #2 bank by assets; 70M+ global clients; 27+ countries; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin trading)
- [[banco-sabadell]] (Banco Sabadell; Spain Big-5 bank; BBVA acquisition in progress 2025)
- Bankinter + Unicaja Banco + Ibercaja Banco + Abanca + Kutxabank (Spanish banking competitors)
- [[bunq]] (EU #2 neobank)
- [[revolut]] + N26 Spain + Openbank (Santander digital subsidiary) (Spanish digital banking competitors)
CaixaBank subsidiaries: imagin (mobile-only bank for millennials) + Banco BPI (Portuguese; post-2017 acquisition) + VidaCaixa (life insurance) + SegurCaixa Adeslas (insurance JV) + CaixaBank Asset Management + CaixaBank Tech.
Regulators: BdE + CNMV + ECB.
Fun facts
- One of Spain's Big-3 banks.
- 12.66M CaixaBank group digital users.
- imagin 4M users + 41% penetration rate among 16-34 year financial customers — distinctive Spanish neobank for millennials/young people.
- CaixaBank mobile app 4.9/5 Google Play (highest user rating of any banking entity app).
- 1904 founding as Caja de Pensiones para la Vejez y de Ahorros in Barcelona — distinctive Spanish savings-bank heritage.
- 2011 CaixaBank S.A. created as commercial banking spinoff of La Caixa Group.
- March 2021 CaixaBank + Bankia merger closes — distinctive Spanish mega-bank consolidation creating Spain's largest bank by Spanish customers.
- 2016 imagin launches as Spain's first mobile-only bank for millennials; 2022 imagin relaunched as digital services + lifestyle platform for 2.6M young people.
- +30% digital sign-ups growth + +23% digital sales growth + 390K net customers in FY25.
- CaixaBank-imagin Cashback program: Pioneering app-based cashback program.
- Fundación Bancaria La Caixa (Caixa Foundation) controlling shareholder ~30%.
- FROB (Spanish state via Bank of Spain post-Bankia merger) ~17%.
- Banco BPI (Portuguese subsidiary) post-2017 acquisition.
Comparison
| Feature | CaixaBank + imagin | [[santander-spain]] (Spain #1 bank by total assets rival; ~165M global customers across 30+ countries) | [[bbva-spain]] (Spain #2 bank by assets rival; 70M+ global clients; 27+ countries) | [[banco-sabadell]] (Spain Big-5 bank rival; BBVA acquisition in progress 2025) | [[intesa-isybank]] (Italy's largest bank + isybank under-30/35 digital comparable) |
|---|---|---|---|---|---|
| Operator | CaixaBank S.A. (BME: CABK; Fundación Bancaria La Caixa Caixa Foundation controlling ~30% + FROB Spanish state via Bank of Spain post-Bankia merger ~17% + BlackRock + Vanguard + Spanish institutional + BME public float) | Banco Santander S.A. (BME: SAN; NYSE: SAN; widely held: BlackRock + Vanguard + Capital Group + State Street + Norges Bank + institutional + BME + NYSE floats) | BBVA (BME: BBVA; NYSE: BBVA; widely held) | Banco de Sabadell S.A. (BME: SAB; BBVA acquisition Sep-Oct 2025) | Intesa Sanpaolo S.p.A. (Borsa Italiana: ISP; widely held + Italian banking foundations) |
| Type | Spain Big-3 bank + 12.66M digital users + imagin Spain's first mobile-only bank for millennials (4M users + 41% penetration 16-34 year financial customers) + 4.9/5 Google Play (highest user rating of any banking entity app) + Banco BPI Portuguese subsidiary + Bankia 2021 merger | Spain #1 bank by total assets + Europe's 4th largest bank + world's 16th-largest banking institution + 30+ countries multi-country mega-franchise + Openbank digital subsidiary + PagoNxt payment tech platform | Spain #2 bank + 27+ countries + Oct 2 2025 24/7 Bitcoin trading + 70M+ clients worldwide + $900B+ AUM | Spain Big-5 bank + BBVA acquisition Sep-Oct 2025 (take-up periods) | Italy's largest bank by total assets + world's 38th largest + 21.5M customers + isybank digital bank for under-30/35 (1M+ customers; iOS App Store #1) |
| Country | ES + PT | ES + 30+ other countries | ES + 26+ countries | ES primary | IT + 25+ other countries |
| Users | 12.66M CaixaBank group digital users; imagin 4M users + 41% penetration 16-34; +30% digital sign-ups + +23% digital sales growth FY25; 390K net customers FY25; 4.9/5 Google Play | ~165M global customers; €836.78B Spanish total assets (28.55% market share); $2.251T global assets | ~70M clients worldwide; $900B+ AUM | BBVA acquisition target | ~14M IT + 7.5M CSEE/MENA (21.5M total); isybank 1M+ customers (70%+ under-30 + 75% under-35) |
| Distinctive | 1904 Caja de Pensiones para la Vejez y de Ahorros founding in Barcelona (Spanish savings-bank heritage); 2011 CaixaBank S.A. spinoff + IPO; Mar 2021 CaixaBank + Bankia merger (distinctive Spanish mega-bank consolidation creating Spain's largest by Spanish customers); 2016 imagin Spain's first mobile-only bank for millennials launch; 2022 imagin relaunched as digital services + lifestyle platform; CaixaBank-imagin Cashback pioneering app-based cashback program; Fundación Bancaria La Caixa Caixa Foundation controlling shareholder ~30%; FROB Spanish state post-Bankia ~17%; Banco BPI Portuguese subsidiary post-2017 acquisition; VidaCaixa life insurance subsidiary | 1857 Banco de Santander founding; 1999 Santander + Banco Central Hispano merger to BSCH; 2007 rebranded to Banco Santander; 2007 ABN AMRO acquisition with consortium; 2008 Sovereign Bancorp US acquisition; Openbank digital subsidiary; PagoNxt payment tech platform | 1857 Banco de Bilbao; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin + Ether trading; BBVA Mexico is parent's largest LatAm subsidiary | BBVA acquisition Sep-Oct 2025 (1 newly issued BBVA share + €0.70 cash; 10% offer increase + enhanced tax treatment); Sep 5 2025 EU greenlight | 2007 Banca Intesa + Sanpaolo IMI merger; Italy's largest bank by total assets + world's 38th largest; Jun 2023 isybank launch; isybank Italy's most-downloaded app on Apple devices (early Oct 2024) |
Status
Active, one of Spain's Big-3 banks + Spain's largest bank by Spanish customers post-2021 Bankia merger [1, 3]:
- CaixaBank S.A. (BME: CABK) since 1904 (Caja de Pensiones para la Vejez y de Ahorros founding in Barcelona); 2011 CaixaBank S.A. spinoff + IPO; March 2021 CaixaBank + Bankia merger; 2017 BPI (Portugal) acquisition.
- 12.66M CaixaBank group digital users + imagin 4M users + 41% penetration rate among 16-34 year financial customers.
- +30% digital sign-ups growth + +23% digital sales growth + 390K net customers in FY25.
- CaixaBank mobile app 4.9/5 Google Play (highest user rating of any banking entity app).
- CaixaBank-imagin Cashback pioneering app-based cashback program.
- Banco BPI (Portuguese subsidiary) + VidaCaixa + SegurCaixa Adeslas + CaixaBank Asset Management + CaixaBank Tech.
- Fundación Bancaria La Caixa (Caixa Foundation) controlling shareholder ~30% + FROB Spanish state ~17%.
- BdE + CNMV + ECB regulated.
Sources
- 1 CaixaBank impulsa un 30% las altas digitales y un 23% las ventas digitales — CaixaBank
- 2 CaixaBank relaunches imagin as a digital services and lifestyle platform for 2.6M young people — CaixaBank
- 3 1 Digital Strategy and Innovation Dec 2 2025 — CaixaBank Analyst Day
- 4 Your 100% digital banking imagin — CaixaBank
- es-cro In-corpus:
reports/countries/ES-spain.md
Source
Biography extracted from caixabank.md. See matrix.md for standards-support matrix if present.