Direct deposit your salary or professional income and enjoy all these benefits:
Have your salary or professional income paid directly into your account, and enjoy all these benefits1:
Your usual transactions without fees:
- Maintenance and management of your account in euros2
- All standard SEPA transfers in euros sent or received within the EU, provided that all details are complete and correct
- Negotiation and clearing of national cheques and promissory notes in euros.
Credit cards: €0 issuance and maintenance fees:
MyCard3, with all the advantages of a credit card and the simplicity of a debit card
- Maximum control: purchases show up in the account just 2 days later
- Greater acceptance: abroad, car parks, tolls and vehicle rentals
Visa Gold3
- Allows you to pay at the end of the month in a single payment or pay for purchases in instalments with maximum flexibility
- Includes accident insurance and travel assistance
Bip&Drive VIA-T with no annual fee:
- Pay at tolls without stopping your vehicle
1. For customers who direct deposit their salary or professional income (amounts not cumulative): €2,500/month.
2. The account is not remunerated. The APR may vary depending on whether the customer meets the discount requirements and depending on the average customer balance as a result of the application of fees for a fixed amount. Fully discounted account: 0% AER, 0% NIR. The APR is calculated for the account of customers who pay in their salary or professional income (amounts not cumulative) >€2,500 month and who maintain an average balance of €5,000 for one year. Non-discounted account: -4.71% AER, 0% NIR. The APR is calculated for the account of a customer that does not meet any free-of-charge requirements (€60/quarter) and that maintains an average balance of €5,000 for one year.
3. Includes a Visa Gold and MyCard contract with two cards (account holder + additional account holder). Credit cards issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C. E.P., S.A.U. ("CPC"), with registered office at Avenida de Manoteras nº 20, Edificio París (28050 Madrid). CaixaBank, S.A. acts as the agent of the card issuing entity. The system chosen by CPC to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. Issuance of the card subject to approval by the CPC.
Enjoy your bank, here, there and above all, now. With CaixaBank NOW, all the advantages you want go with you wherever you go:
CaixaBankNow app
- Simple, quick and intuitive to make your day-to-day life easier
- Do your daily operations any time
My Finances, an overview of all your banks
- Manage your finances from any device
- Integrate information on your accounts and cards from other banks
- Includes monthly report and predictive alerts
Bizum
- To send or request money instantly
- Just provide your mobile phone number, with no account number
CaixaBankProtect®, your purchases are protected
- Alerts for high-value transactions
- Emergency cash in most countries
Innovative ways to invest according to your needs:
BrokerNow
The new way to invest in the stock market:
- Up-to-the-minute information to make the best decisions
- Overview of prices on the major markets
- Wide range of interactive tools and graphics
SmartMoney
Join the investment of the future from just €500. An automated fund portfolio management service, available through CaixaBankNow digital banking:
- Delegate management to qualified professionals
- The investment strategy adapts to market changes
- Transparency in costs: fixed annual fee of 0.73% (VAT included) of your average portfolio balance1. The price does not take into account the costs and expenses of the underlying funds, as they are implicit in the daily valuation of the investment funds.
Trading desk at the customer's initiative
A telephone service designed for active stock market investors with an average amount per trade of €15,000. This fast service allows you to place your orders directly to the various markets under the supervision of professional traders.
- Service at no additional cost on top of the brokerage rates
- Possibility to handle orders in order to obtain the best possible result for the customer
- Service available every business day on the national stock exchange, from 8.30 a.m. to 6 p.m.
The prospectus on maximum fees for securities market transactions and services is available at www.caixabank.es. The value of the investments is subject to market fluctuations, and therefore may incur losses.
1. For example, for an investment of €500 and assuming that the portfolio neither appreciates nor depreciates, you will pay a fee of €3.65. Fee subject to current VAT in force. SmartMoney is a discretionary portfolio management service for investment funds provided by CaixaBank, S.A. CaixaBank delegates portfolio management to CaixaBank, AM, SGIIC, No 15 in the CNMV register, which in turn is the manager of the funds in which the portfolios are invested. Cecabank, S.A., with CNMV registration number 236, is the depositary of all the funds. You can consult the prospectuses and key investor information documents for the investment funds in which the portfolios may be invested at any CaixaBank branch and in the CNMV registers.
Personal Loan
- €0 start-up, arrangement or repayment fees
- Term: up to 6 years
With personal guarantee
- 5.012% APR (4.90% NIR)1
With property guarantee
- 4.334% APR (4.25% NIR)2
1. Representative example: AER 5.012% calculated for a €15,000 loan. 4.90% NIR. Repayable over 72 months. Total amount owed €17,343.27 (€15,000 principal + €2,343.27 interest). Total cost of the credit €2,343.27. Monthly repayments: 71 payments of €240.88 and a final payment of €240.79. There are no start-up or arrangement fees. French repayment system.
2. Representative example: AER 4.334% calculated for a €15,000 loan. 4.25% NIR. Repayable over 72 months. Total amount owed €17,020.12 (principal €15,000 + interest €2,020.12). Total cost of the credit €2,020.12. Monthly repayments: 71 payments of €236.39 and a final payment of €236.43. There are no start-up or arrangement fees. French repayment system.
CasaFácil Fijo 20 Mortgage
With CasaFácil Fijo 20 you will enjoy your new home with the peace of mind of knowing that your mortgage payment will be the same every month.
- With maximum subsidy: 2.25% NIR; 3.796% APR (maximum discount of 1.00%)
- Possibility of subsidised payment: Depending on the optional products you have taken out
- No discount: 3.25% NIR; 3.748% APR
- You can request up to 80% of the value of the guarantee, which will be the lower of the appraisal value and the purchase price of the property, provided it is the main home.
- The maximum term is 20 years. The term of the transaction plus the age of the youngest account holder must not exceed 75 years.
- No fees: CasaFácil does not apply a start-up fee
- Flat rate: Fixed monthly payments without the risk of an increase due to changes in the interest rate
- Greater control of your family budget: Knowing the monthly payment in advance allows you to manage your family finances better
LEGAL CONDITIONS
Financial conditions for the purchase of a second home with mortgage guarantee, taking into account the following representative example:
1) DISCOUNTED APR: if all the discount conditions are met, based on the hypothesis that you can opt for the maximum discount. (i) amount: €150,000; (ii) maximum term: 20 years; (iii) 0% commitment fee; (iv) interest rate: fixed; Discounted NIR: 2.25%; (v) Discounted APR: 3.796%; (vi) monthly payment: 776.71 euros; (vii) number of payments: 240; (viii) total amount payable (including expenses): 212,723.90 euros; (ix) total cost of the loan: 62,723.90 euros; (x) interest: 36,410.40 euros. French amortisation system1.
2) NON-DISCOUNTED APR: if the discount conditions are not met. (i) amount: €150,000; (ii) maximum term: 20 years; (iii) opening fee: 0%; (iv) interest rate: fixed; NIR: 3.25%; (v) APR: 3.748%;(vi) monthly payment: 850.79 euros; (vii) number of payments: 240; (viii) total amount payable (including expenses): 211,983.70 euros; (ix) total cost of the loan: 61,983.70 euros; (x) interest: 54,189.60 euros. French amortisation system1.
The APR may vary depending on the term and the amount of the operation, as well as the monthly reviews of compliance with the discount conditions.
Common Terms and Conditions for the discounted APR and the non-discounted APR:
a) Other common financial conditions: commission for total or partial repayment or early redemption that may not exceed the amount of the financial loss that CaixaBank may suffer, with a limit of 2% of the principal repaid during the first 10 years and 1.5% of the capital repaid until the end of the life of the loan.
b) Preparatory expenses that will be paid by CaixaBank: (i) taxes: 1,125.00 euros in documented legal acts for a mortgage liability of 150,000.00 euros and a tax rate of 0.75%; (ii) registry verification: €10.91; (iii) notary: €597.00; (iv) management: €363.00; (v) registration: €283.00.
c) Preparatory expenses payable by the customer. (i) appraisal €254.10
d) Related ancillary services to be paid by the customer: you are obliged to take out a damage insurance policy regardless or whether you choose to contract the discounts. CaixaBank does not sell damage insurance; as such, below we offer you the premium resulting from calculating a home insurance policy (which is the closest to a damage insurance policy that the bank sells, with the difference that home insurance offers greater coverage). For the purpose of calculating the non-discounted APR and the discounted APR, the premium resulting from the home insurance calculation will be taken into account; additionally, in the event you contract the discounted APR, the corresponding discount will be applied. However, the customer is free to apply for a damage insurance policy, which is compulsory, with the insurance company of their choice.
Home insurance policy: 317.00 euros annual premium. The amount of the annual premium is based on the hypothesis that it will not vary during the validity of the operation. The amount is merely intended to serve as a guide and is based on damage insurance products offered by CaixaBank, S.A. (e.g. based on a mortgage with a principal of €150,000 and buildings coverage of between €100,001 and €120,000 and with 100 m2 of built property, with the amount to be paid for this concept throughout the validity of the operation being €6,340.00). The amount is the result of a calculation made based on a guidance screening and this value can vary according to the building and square metres of the property.
Payment Account: you must maintain an account with CaixaBank throughout the loan term. The customer will pay the maintenance fees for the payment account that amount to 15 euros per quarter. The calculation of the discounted and non-discounted APR will take into account this maintenance cost.
Discount terms and conditions: these are percentage points that will be deducted from the NIR, if the following products are taken out. (i) direct deposit of salary or pensions > €600 + direct debit payments of 3 bills + purchases with cards*** marketed by CaixaBank, S.A. where the account holder is the debtor and when settlements are paid by direct debit from a demand deposit account opened in CaixaBank, S.A. by the holder of the same and which have been used to make at least three purchases during the last three months: 0.25 pts; (ii) taking out a home insurance policy 0.25 pts; (iii) contracting of a life insurance policy*: 0.25 pts; (iv) Financing or subscription to a "SECURITAS DIRECT Home Alarm" ** service or subscription to the "SENIOR PROTECTION SERVICE" **: 0.25 pts. The aforementioned services must always be marketed by Caixabank, S.A. or by Facilitea Selectplace, S.A.U. Compliance with the requirements to apply the discount terms and conditions will be reviewed on a monthly basis, and the interest rate may be adjusted upwards or downwards in accordance with CaixaBank's said monthly review of the recipients' compliance with said requirements. Purchase of the products listed above is optional. Each of the products can be taken out independently. There is no difference between the combined offer price and the offer price for separate products (prices of the products and services specified do not vary whether taken out in combination or separately).
*Life insurance (simulation of life insurance and repayment) €226.58 annual premium (under the premise that the premium will not vary during the validity of the operation nor will it be updated in keeping with the principal repaid or the age of the borrowers). The premium is calculated based on the purchase of a life insurance policy for 50% of the principal and with a policyholder of 30 years of age. The cost of this service will be paid by the customer if it is applied for.
** Subscription or financing of the "SECURITAS DIRECT Home Security Alarm" service, marketed by Facilitea Selectplace, S.A.U. and/or financed by CaixaBank, with financed meaning the provision of a loan at an APR of 0% and a NIR of 0% (48 monthly payments of €52.03, interest free, to finance the purchase, installation and maintenance of the alarm). Total amount payable and RRP: €2,497.44 / Total price in instalments. Total credit amount €2,497.44. The total cost of credit for the consumer is €0. The maintenance service of the alarm must remain for the rest of the term of the mortgage, with a cost of 52.03 euros per month. French amortisation system1. Subscription to the “Senior Duo Protection Service”, marketed by Facilitea Selectplace, S.A.U., RRP: €1,224.00. The maintenance service must remain for the rest of the term of the mortgage, with a cost of 34.00 euros per month. For the purposes of calculating the APR, the cost of the Securitas Direct alarm service will be taken into account, as it is higher than the cost of the Senior Duo Protection service.
*** Card maintenance cost (simulation of the Visa Electron Debit card) marketed by CaixaBank: €36 / year. The calculation of the discounted APR will take this maintenance cost into account. The cost of this service will be paid by the customer if it is applied for.
Warnings: (i) Any breach of the loan obligations deriving from the loan can incur serious consequences for the mortgage holder, for his or her guarantor or for the owner of the mortgaged property, such as the loss of his or her property and of other goods. (ii) CaixaBank reserves the right to refuse to grant the operation or to approve it under the terms and conditions that it deems appropriate, after assessing the solvency of the applicant and according to the bank's risk criteria; (iii) the APR, pursuant to the law, covers the financial terms and conditions of the example, the expenses and the access services under the assumption that the premium of the insurance policy will not vary during the validity of the contract.
1 French amortisation system: a constant payment consisting partially of principal repayment and partially of interest. The portion of interest included in each payment will be the result of applying the effective interest rate to the outstanding principal at the start of each monthly period. The difference to the amount of the payment is the part corresponding to principal repayment.
Every month, interest must be paid on the outstanding principal. When the loan is first taken out there is a lot of principal to repay, which is why the interest payment is higher than the principal repayment at first. As we want instalments to remain constant, the interest part declines and the principal part increases as time progresses.
The instalment remains unchanged while the interest rate is not modified. For example, if you have a twenty-year loan of €100,000 at an interest rate of 3.75%, each monthly payment will be €592.89. The first payment will consist of €312.50 in interest and just €280.39 in principal repayment. In contrast, 20 years later, the final payment will be €1.85 in interest and €591.04 in principal.
Arithmetic formula (French fee)
ak = Ck * [(r/m) / [1-[1+(r/m)]⁻ⁿ]]
"ak" being the mixed principal repayment and interest; "Ck" being the outstanding principal at the start of the period; "r" being the annual nominal interest rate, as per one; "m" being the number of loan settlement periods included in a year; and "n" being the number of repayment periods (principal and interest payment) pending.
Ocean, the new online platform for funds from third-party national and international fund managers.
Expand your investment possibilities
A new service exclusively for CaixaBank customers, which will help you find and compare nearly 4,000 funds from more than 200 managers. Plus, you can contract them easily and flexibly.
Invest in the present and in the future
Ocean will give you the following advantages:
Access to nearly 4,000 funds with more than 200 managers.
Carry out purchase and sale operations in cash or by transfer
Obtain in-depth information on the catalogue of funds and perform searches with many criteria
You will be able to compare funds based on indicators and fund characteristics. You can also request new funds that you are interested in and that the institution can approve. Ocean provides access to the website of the producers and the prospectus and key information document for investors of each fund.
Discover Ocean in the Funds and Portfolios menu > Search engine for funds from other fund managers.
ADVERTISING
The offers contained in this brochure are intended exclusively for the people who belong to the aforementioned group, provided that they are natural persons from the group with a salary or professional income (amounts cannot be accumulated) > €2,500/month paid by direct deposit. These conditions will be applicable from the month after the requirements are met. The financing conditions are valid only for new operations and their granting is conditional upon the analysis of the applicant’s solvency and repayment capacity, based on CaixaBank's risk policies. For another approach to financial operations or demand for services other than those of this offer, please contact us because they will be studied individually by our Bank.
NRI: 4236-2022/ 09338
This document is purely informative and does not constitute any request or investment recommendation in relation to the financial products and/or services described herein. No information contained in this document should be treated as financial, tax, legal or any other type of advice. Under no circumstances does this document replace or supersede any other legal document and the relevant document must be completed in each case, based on the type of investment being undertaken. Accordingly, the investor must always receive the relevant documentation required by law.