The Caixa has taken a further step in digital banking, launching imaginBank. It is not a simple mobile banking service, but it is a full-fledged bank. In other words, you can open an account directly at imaginBank. With this, La Caixa is ahead of its main competitors with a novel approach aimed fundamentally at the youngest segment of the population, which has much less reluctance when it comes to using the mobile for everything. If you use your mobile to communicate, to navigate, to read, to run, to look for a store or a restaurant, why not use it to manage your money?
Free cards, without commissions and a multitude of services at imaginBank
imaginBank announces that will not charge commissions to his clients. offers card free visa and does not charge for withdrawing money at La Caixa ATMs. Nor does it charge for sending money to other accounts in Spain. But it goes further, allowing the use of the mobile as a payment tool contactless (something that ) via NFC. For mobile phones that are not compatible or without an NFC chip, imaginBank offers a sticker with a chip that adheres to the mobile and allows it to be used in the same way.
All banking procedures are carried out via mobile app. Although it has a website, it only serves to provide information and facilitate the registration process, while all the procedures are carried out from the mobile and some of them (and this is a world novelty), from Facebook. La Caixa has designed a Facebook application that allows you to check the global position and latest movements without leaving the social network.
In the imaginBank presentation, the directors of La Caixa emphasized in the main target of this new bank: the ‘millennials’ or digital natives, for whom this service is a natural complement. Delving deeper into this, imaginBank could not ignore the , through which information services and customer service are provided 24 hours a day, in addition to a telephone service line and the possibility for existing customers of contact your personal manager via Whatsapp or chat integrated into the application itself.
Behind this movement there is a lot of strategy. that offer banking or financial services outside the usual channel of the big banks are more and more numerous. La Caixa has only joined the growing wave, yes, before its main competitors. It is obvious that something is moving in the banking sector and the commitment to technology already seems to be an unstoppable trend. It was timeit should be added, because since the generalization of mobile banking, innovation seemed to be on the side of startups, which represents an obvious commercial risk for large banks.
In addition to these services, imaginBank offers a wide range of financial services clearly inspired by those offered by these fintech startups, such as payments of small amounts “person to person” without the need to use bank transfers (PayPal style but on mobile), the use of ‘big data’ to provide personal finance organization and management services or the possibility to send money to an ATM to withdraw it without a card.
La Caixa has always stood out for its capacity for innovation in the banking sector, Being a pioneer in the introduction in Spain of many services that are common today, such as the purchase of tickets at ATMs, contactless cards and many others. Now with imaginBank leave your competitors behind you again.
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