Imagin review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Expats and travelers in Spain who want no monthly fee and no conversion charge.
- Headline rate
- 0%↗
- Rate type
- Variable↗
- Minimum deposit
- €20↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- 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
- €0↗
- Account kind
- Easy access↗
- Legal entity
- imaginersGen, S.A.↗
- Headquarters
- Spain↗
- Support channels
- Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- imagin.com
Everyday accounts
- Currency conversion fee
- 0%↗
- Local account details
- IBAN↗
- Transfer fee
- Free SEPA transfers (0 EUR)↗
- Audience
- Expats, Travelers
- Features
- Free ATM withdrawals, Joint account, Digital-only
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- LinkedInXyoutube.com
Pros and cons
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
Ready to try Imagin?
Scored 8.6 / 10 by VaultCue.
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
Deposit protection
Money held with imagin is covered under EU DGS up to EUR 100,000. The provider is listed with Banco de España under licence 2100, and the savings side also appears in the DGSFP Registro de Distribuidores de Seguros y Reaseguros under OE0003. Two Spanish registers therefore stand behind the balance.
The company behind it
imagin is run by imaginersGen, S.A., headquartered in Spain. Customers are served through chat and help centre. Supervision in Spain comes through Banco de España under 2100, while the savings arrangement is registered with the DGSFP Registro de Distribuidores de Seguros y Reaseguros under OE0003.
How Imagin compares
8.6 vs 8.6
8.6 vs 9.5
8.6 vs 8.0
8.6 vs 8.9
8.6 vs 8.9
8.6 vs 9.1
8.6 vs 9.1
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8.6 vs 8.7- 8.6 vs 8.0
8.6 vs 9.0
8.6 vs 8.1
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8.6 vs 8.0
8.6 vs 9.5
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8.6 vs 9.0
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8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 9.0
Where Imagin is available
- Available
- Spain
- Licence in Spain
- Banco de España (2100), checked September 26, 2026
- Licence in Spain
- DGSFP (Registro de Distribuidores de Seguros y Reaseguros) (OE0003), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Does Imagin charge for currency conversion?+
The currency conversion fee on the travel card is 0%, which is at the low end of the site range where the median is 0.5%. It suits travelers and expats moving between currencies, who are the listed audience for the account.
Who is the Imagin account built for?+
The stated audience is expats and travelers, matching site shares of 25.1% and 27.3%. Local details cover a Spanish IBAN, listed under iban, so paying in euros works smoothly.
How do I contact Imagin support?+
Help runs through chat and help centre, so a chat and a help centre, with no phone line in the list. Readers who want to speak to someone are better served by a provider that lists phone support among its channels.
Sources
- imagin.com checked September 26, 2026
Backs: Deposit protection, Features, Headquarters, Legal entity, Support channels, Transfer fee, Licences
“CaixaBank ATMs without commission: you can withdraw cash with no commission across the whole CaixaBank ATM network in Spain, more than 11,000 points available”
- imagin.com/ahorro checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“'Huchas' is a modality of sight current account with operational limitations for receiving income; you can withdraw your savings at any moment, in part or in full”
- imagin.com/contacto checked September 26, 2026
Backs: Local account details
“Check your IBAN in the Summary section of the imagin home page; for Suift/BIC codes choose the My account details option”
- imagin.com/cuentas/cuenta-corriente-sin-comisiones checked September 26, 2026
Backs: Audience
“If you are moving to Spain, open your account for foreigners: open it from wherever you are, 100 % online”
- imagin.com/tarjetas/tarjeta-para-viajar checked September 26, 2026
Backs: Currency conversion fee
“In the detail of each transaction you see the day's exchange rate applied and the imagin commission at 0 EUR”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
Imagin
Expats and travelers in Spain who want no monthly fee and no conversion charge.