Updated October 16, 2026 · VaultCue Editorial Team
Imagin vs Lhv Pank
Imagin
Higher score in this comparison
Lhv Pank
What sets them apart
| Compare | ImaginReviewSee alternativesSee alternatives | Lhv PankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | €20 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| 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 | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
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Our verdict on each
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.
Lhv Pank
LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
Score breakdown
| Area | Imagin | Lhv Pank |
|---|---|---|
| Cost | 8.8Monthly fee of €0, free SEPA transfers and a currency conversion fee of 0%, so running costs sit at the floor of €0. | Not confirmed |
| Offer | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. | Not confirmed |
Every fact side by side
| Fact | Imagin | Lhv Pank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | imaginersGen, S.A. | Not confirmed |
| Headquarters | Spain | Not confirmed |
| Support channels | Chat, Help centre | Not confirmed |
Everyday accounts
| Fact | Imagin | Lhv Pank |
|---|---|---|
| Currency conversion fee | 0% | Not confirmed |
| Audience | Expats, Travelers | Not confirmed |
| Features | Free ATM, Joint account, Digital only | Not confirmed |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Free SEPA transfers (0 EUR) | Not confirmed |
Where each stands against the rest
| Fact | Imagin | Lhv Pank | Median |
|---|---|---|---|
| Headline rate | 0%lowest quarter | Not confirmed | 3.25% |
| Minimum deposit | €20above the median | Not confirmed | €1 |
| Monthly fee | €0at the median | Not confirmed | €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
Lhv Pank
Pros
- LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
- The captured information does not specify eligibility or pricing.
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
Lhv Pank
Who it suits
- Estonia borrowers checking an LHV collateral-backed private loan
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 | Imagin | Lhv Pank |
|---|---|---|
| Spain | Yes | No |
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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Imagin
Lhv Pank