Updated September 28, 2026 · VaultCue Editorial Team
Daviplata vs Imagin
Daviplata
Higher score in this comparison
Imagin
Daviplata vs Imagin: the differences
| Compare | DaviplataReviewSee alternativesSee alternatives | ImaginReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | €0 |
| Transfer fee | COP 0 for consumer transfers; up to COP 3,170 + IVA per transfer for business transfers via Portal Empresarial and Pyme | Free SEPA transfers (0 EUR) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | 2 | Not confirmed |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | COP 0 | Not confirmed |
Same on both: Currency conversion fee (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Daviplata scores higher overall: 9.1 vs 8.6.
- Support channels: only Imagin offers Chat.
- Audience: only Daviplata offers Business.
- Audience: only Imagin offers Travelers.
- Features: only Imagin offers Joint account.
Our verdict on each
Daviplata
Daviplata suits expats and small businesses in Colombia who want one app for everyday banking and remittances, with a monthly fee of COP 0 and a currency conversion fee of 0%. Transfers land immediate, within minutes, and money comes out to a bank account, cash pickup or wallet.
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 | Daviplata | Imagin |
|---|---|---|
| Cost | 9.6HigherLow cost: COP 0 monthly, 0% currency conversion fee, COP 0 on a consumer transfer. | 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 | 8.3 | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. |
How they place
| Ranking | Daviplata | Imagin |
|---|---|---|
| Online banks | 71 of 402 | 186 of 402 |
Every fact side by side
| Fact | Daviplata | Imagin |
|---|---|---|
| Audience | Expats, Business | Expats, Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only, Free ATM | Free ATM, Joint account, Digital onlyCovers more |
| Legal entity | Banco Davivienda S.A. | imaginersGen, S.A. |
| Headquarters | Colombia | Spain |
| Support channels | Help centre | Chat, Help centreCovers more |
Money transfer
| Fact | Daviplata | Imagin |
|---|---|---|
| Delivery time | immediate, within minutes | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | COP 0 | Not confirmed |
Where each stands against the rest
| Fact | Daviplata | Imagin | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Currencies | 2lowest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
Daviplata
Pros
- The monthly fee is COP 0, and consumer transfers cost nothing.
- A currency conversion fee of 0%, the lowest of the 312 brands compared.
- Remittances arrive immediate, within minutes, and payouts reach a bank account, cash pickup or wallet.
Cons
- Support runs on help centre only.
- Only 2 currencies are covered, so anyone trading in more may look at Skrill or Plazo ES.
- Business transfers through Portal Empresarial and Pyme carry a fee per transfer plus IVA, unlike consumer transfers at COP 0.
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
Daviplata
Who it suits
- Expats in Colombia who want a local account and a remittance wallet in the same app.
- Small businesses that pay and receive through consumer and business transfer routes.
- Readers who want free ATM access and no monthly charge, since the account fee is COP 0.
Who should look elsewhere
- Plazo ES, if you are paid in euros: its monthly fee is €0, and the 2 currencies Daviplata holds may not match your income.
- PayPal Colombia, if a wallet is enough: its monthly fee is $0, while Daviplata adds a bank account and free ATM withdrawals.
- Skrill, if you hold more currencies than the 2 Daviplata covers; its monthly fee is €0, so currency range is the only reason to move.
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 | Daviplata | Imagin |
|---|---|---|
| Colombia | Yes | No |
| Spain | No | Yes |
Questions about each
Daviplata
What does it cost to keep a Daviplata account?+
The monthly fee is COP 0, so keeping the account open costs nothing. Consumer transfers are free on the same schedule. Charges appear on the business side: transfers made through Portal Empresarial and Pyme carry a fee per transfer plus IVA, which is the line to read if you pay suppliers through the app.
Does Daviplata charge for currency conversion?+
The currency conversion fee is 0%, the lowest of the 312 brands compared on that measure. It matters most for expats who receive or hold money in another currency. The account covers 2 currencies, so pairs outside that list need another route.
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.
Other options to compare
Related by the facts
Daviplata
Imagin