Updated September 29, 2026 · VaultCue Editorial Team
Imagin vs ZA Bank
Imagin
ZA Bank
Higher score in this comparison
Imagin vs ZA Bank: the differences
| Compare | ImaginReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0% | 0.01%Higher |
| Minimum deposit | €20 | HK$0 |
| 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 | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Monthly fee | €0 | HK$0 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- ZA Bank scores higher overall: 8.7 vs 8.6.
- Headline rate is higher at ZA Bank: 0.01% vs 0%.
- Support channels: only ZA Bank offers Email, Phone.
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.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Imagin | ZA Bank |
|---|---|---|
| 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. | 9.3HigherMonthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. | 8.9HigherAn easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | Not confirmed | 8.1 |
How they place
| Ranking | Imagin | ZA Bank |
|---|---|---|
| Savings accounts | 555 of 1420 | 542 of 1420 |
| Online banks | 186 of 402 | 181 of 402 |
Licences and countries
| Country | Imagin | ZA Bank |
|---|---|---|
| Spain | Banco de España 2100 | Not confirmed |
Additional countries for Imagin: 1. Additional countries for ZA Bank: 1.
Also worth a look
eToro has headline rate at 3.8%, against 0% for Imagin and 0.01% for ZA Bank.
eToro reviewSources behind this comparison
Imagin
- imagin.com: 11 facts, checked September 26, 2026
ZA Bank
- bank.za.group: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Imagin | ZA Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | imaginersGen, S.A. | ZA Bank Limited |
| Headquarters | Spain | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Chat, Help centre | Email, Phone, Chat, Help centreCovers more |
Everyday accounts
| Fact | Imagin | ZA Bank |
|---|---|---|
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 11 |
| Audience | Expats, Travelers | Travelers, Business |
| Features | Free ATM, Joint account, Digital onlyCovers more | Free ATM, Digital only |
| Local account details | IBAN | Not confirmed |
| Free ATM withdrawals | Not confirmed | HK$0 |
| Transfer fee | Free SEPA transfers (0 EUR) | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
Where each stands against the rest
| Fact | Imagin | ZA Bank | Median |
|---|---|---|---|
| Headline rate | 0%lowest quarter | 0.01%lowest quarter | 3.25% |
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
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
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
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
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
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Imagin | ZA Bank |
|---|---|---|
| Hong Kong | No | Yes |
| 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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
Imagin
ZA Bank