1. The account is not remunerated 0% APR, 0% NIR. CaixaBank, S.A., with Tax ID A08663619, registered in the Special Administrative Register of the Bank of Spain, under code 2100, is the entity offering the bank account. imaginersGen S.A, agent of CaixaBank, S.A.
2. free of issuance and maintenance fees. You will find the usual prices applied for frequent banking services (Annex 1) in https://www.caixabank.es/particular/general/tarifascomisiones_es.html.
3. To be able to send money using Bizum, both the sender and recipient must be registered for Bizum. If the recipient is not registered, an SMS will be sent to them to register and receive the money.
4. The minimum age for requesting a Youth Card depends on which type of Card you want and the Autonomous Community you live in. In Catalonia, the Balearic Islands and Asturias, you can request a non-financial version from the age of 12, the debit card and prepaid version from the age of 14 and the credit card version from the age of 16. In the Canary Islands and Melilla, you can apply for a non-financial version and the debit and prepaid version from the age of 14, and the credit card version from the age of 16. In Murcia, you can apply for the non-financial version and the debit card version from the age of 14 and the credit card version from the age of 16. In Madrid, Castilla y León and Navarra, you can apply for the debit card version from the age of 14 and the credit card version from the age of 16. Card types: The Youth Card, a non-financial card for young people between 12 and 30 years old in Catalonia, the Balearic Islands and Asturias and between 14 and 30 years old in Melilla, Murcia and the Canary Islands. The Youth Card, a debit card for young people between 14 and 30 years old and a credit card, for people between 16 and 30 years old. Card issued by the hybrid payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (“CPC”) with Tax ID A08980153, and registered in the Bank of Spain Official Register of Companies under number 8776. CaixaBank, S.A. acts as the agent of the card issuing entity. Card issuance subject to approval by CPC. You can view the prices usually applied to the banking services most frequently provided (Annex 1) at: www.caixabank.es/tarifas. Youth Card, prepaid card for young people from 14 to 30 years of age. Card issued by electronic money operator Global Payments Moneytopay, EDE, S.L., (M2P) with Tax ID B-65866105, and registered in the Bank of Spain Official Register of Companies under code 6702. CaixaBank, S.A. acts as the agent of the cards issuing entity. The system chosen by CPC and M2P to protect the funds of payment service users is to deposit them in a separate account opened with CaixaBank, S.A. For all types of Cards mentioned: CPC includes free travel assistance insurance. Advertising by imaginerGen, S.A., owner of the "imagin" trademark, which promotes and publicises the Carné Joven programme. imaginersGen S.A. is an agent of CaixaBank S.A., which has Tax ID no. A-08663619 and is listed in the Bank of Spain Official Register of Companies under number 2100.
5. Credit cards are granted subject to analysis of the applicant's credit rating and ability to repay the sum, in accordance with the risk policies of CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (hereinafter CPC). imaginersGen, S.A., agent of CaixaBank, S.A., CaixaBank, S.A., markets products of the hybrid payment entity CPC with Tax ID A-08980153, registered in the Bank of Spain Official Register of Companies under number 8776, and the entity that offers credit cards. 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.
6. The split payment method consists of paying for your purchases with interest over the period you choose (3, 6, 9 or 12 months and up to 24 months for purchases over €600). The minimum amount is €40 and the maximum is the credit limit available on your card. Representative example calculated for a €1,500 purchase split on 01/01/2022 (total amount of the credit) with the first effective payment on 01/02/2022, over 12 months: AER 22.42%. NIR 20.40%. Total amount owed: €1,670.88. Total cost of credit (interest payments): €170.88. Monthly repayments of €139.24. French amortization system. The promoted credit card also allows another payment option, where you can pay with interest at your own pace if you prefer: deferred payment (revolving). See how it works at https://www.imagin.com/es/informacion-tarjetas.
7. The deferred (revolving) payment method consists of paying the entire credit used in instalments, at an associated interest rate of 20.40% NIR (AER 22.42%). Any repayments will be added back to your available credit. Representative example calculated for repaying a credit drawn down of €1,500 on 01/01/2022 (total amount of the credit) with the deferred payment method over 48 months (first effective payment on 01/02/2022): AER 22.42%. NIR 20.40%. Total amount owed: €2,206.23. Total cost of credit (interest payments): €706.23. Monthly payments: 47 instalments of €45.97 and a final payment of €45.64. French amortization system. The foregoing assumes that you do not perform any new transactions that increase the card's outstanding balance and that the debt is formalised at the beginning of the period. You can view the prices usually applied to the banking services most frequently provided (Annex 1) at: https://www.caixabank.es/particular/general/tarifascomisiones_en.html.
IRN: 22064-2023-17195
