Updated October 16, 2026 · VaultCue Editorial Team
ACM Holding virtual bank vs Imagin
ACM Holding virtual bank
Imagin
Higher score in this comparison
What sets them apart
| Compare | ACM Holding virtual bankReviewSee alternativesSee alternatives | ImaginReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 0% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €20 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | 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 |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
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Our verdict on each
ACM Holding virtual bank
A 2025 notice gave ACM conditional approval, not an operating licence.
Imagin
Imagin suits expats and travelers in Spain who want free everyday banking with money parked in an easy-access pot. The appeal is the fee-free running of the account, offset by a 0% headline rate that sits near the bottom of the savings field.
Score breakdown
| Area | ACM Holding virtual bank | Imagin |
|---|---|---|
| Cost | Not confirmed | 8.8Monthly fee of €0, free SEPA transfers and a currency conversion fee of 0%, so running costs sit at the floor of €0. |
| Offer | Not confirmed | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. |
How they place
| Ranking | ACM Holding virtual bank | Imagin |
|---|---|---|
| Savings accounts | 1407 of 1420 | 555 of 1420 |
Every fact side by side
| Fact | ACM Holding virtual bank | Imagin |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | Not confirmed | imaginersGen, S.A. |
| Headquarters | Not confirmed | Spain |
| Support channels | Not confirmed | Chat, Help centre |
Everyday accounts
| Fact | ACM Holding virtual bank | Imagin |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% |
| Audience | Not confirmed | Expats, Travelers |
| Features | Not confirmed | Free ATM, Joint account, Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | Free SEPA transfers (0 EUR) |
Where each stands against the rest
| Fact | ACM Holding virtual bank | Imagin | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 0%lowest quarter | 3.25% |
| Minimum deposit | Not confirmed | €20above the median | €1 |
| Monthly fee | Not confirmed | €0at the median | €0 |
Median across 658 listed accounts.
Pros and cons
Imagin
Pros
- Monthly fee of €0 on the savings account, matching a site median of €0
- Free SEPA transfers (0 EUR) and a currency conversion fee of 0% on the travel card
- EU DGS up to EUR 100,000 under the EU scheme
Cons
- A 0% headline rate that ranks 458 of 473
- variable rate, so the return on savings can move
- Support runs on chat and help centre only
Who each suits
Imagin
Who it suits
- Expats and travelers holding euros in Spain
- Anyone who wants a no-fee current account with a small savings pot
- People who want the free-atm, joint-account, digital-only feature set
Who should look elsewhere
- Savings hunters who want a competitive return, where AXI Card Tarjeta y Credito and Plazo ES pay more
- People who need phone support, since help runs on chat and help centre
- Anyone wanting a standalone savings account, as an open imaginBank account is required
Current offers
Imagin
Current offer
Bonus
Get up to EUR 750 for joining imagin (salary domiciliation): Up to EUR 250: EUR 250 if salary from EUR 1,500 or more; EUR 150 if salary between EUR 900 and EUR 1,499.99
Salary must be direct-debited within the first 4 months of becoming a customer and the account kept open for at least 48 months; not valid if the customer already used a salary/pension/sole-trader domiciliation offer since 1 January 2022 or if the salary comes from another CaixaBank account; valid throughout the Spanish territory
Source, checked September 26, 2026
Country by country
| Country | ACM Holding virtual bank | Imagin |
|---|---|---|
| Spain | No | Yes |
Questions about each
Imagin
What interest does the Imagin savings account pay?+
The headline rate is 0% and the rate type is variable. That places it 458 across 473 brands ranked on headline rate, so the balance is there for convenience rather than growth.
Is my money protected at Imagin?+
Deposits are covered under EU DGS up to EUR 100,000, the EU guarantee scheme. The provider is listed with Banco de España under licence 2100, so the balance sits inside a supervised scheme in Spain.
How do I get my money out of the savings account?+
Savings are withdrawable at any time, in part or in full, so there is no notice period to plan around and no lock-in. The account kind is easy access, and the minimum deposit is €20, so the balance can stay small.
What do I need to open the Imagin savings account?+
An open imaginBank account is required before the savings product can be contracted, so the two are used together. The account is built around the free-atm, joint-account, digital-only feature set, which means access runs through the app rather than a branch.
Other options to compare
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Related by the facts
ACM Holding virtual bank
Imagin