Imagin vs Tomorrow
Side-by-side comparison — pricing, features, ratings, use cases. Find which Neobanks fits you best.
💰 Pricing
- ATM withdrawal at non-CaixaBank ATMs: Spain: 2 EUR per withdrawal; Eurozone: 2 EUR; International: 4 EUR (free in Premium and Metal tiers up to limits).
- FX conversion fee: 2% above the interbank rate for non-EUR transactions (may be reduced for Premium and Metal tiers, e.g., 1% and 0% respectively).
- Card replacement fee: 5 EUR for standard delivery (free for Premium and Metal customers).
- International transfer via SWIFT: 18 EUR per transaction (free or reduced for Premium/Metal).
- Foreign currency ATM withdrawal: 2% conversion fee plus potential ATM operator fee (e.g., 2 EUR outside CaixaBank network).
- ATM fees at non-CaixaBank ATMs: not clearly advertised; 2 EUR in Spain, up to 4 EUR abroad.
- FX markup: 2% on all non-EUR transactions, which is on top of any ATM operator fees.
- Inactivity fee: account may be charged 1 EUR monthly if no transactions for 6 months (waived for Premium/Metal).
- Cashback restrictions: cashback is only at partner merchants and may have monthly caps.
🔧 Features
📋 Assessment
💪 Strengths
- Zero fees across the board: No monthly maintenance, no minimum balance, and the virtual card is issued for free. This is a significant advantage over traditional Spanish banks, which often levy fees for basic services. Your money goes further with Imagin.
- Gamified savings challenges: Imagin turns saving into a game. You can set personalized challenges, such as 'Save €500 by walking 10,000 steps a day', and track progress. This engages younger users who might otherwise neglect saving, building a strong financial habit.
- Cashback at partner merchants: Earn money back on purchases at curated brands like Amazon, Netflix, and local cafes. The cashback is paid as 'imagin coins' that can be converted to euros. It's a tangible benefit that adds up over time, making everyday spending feel less painful.
- Virtual and physical cards with instant use: Once the account is open, you get a virtual card immediately, usable for online and mobile payments. A physical card is also free and arrives quickly. This is great for online shopping and contactless payments.
- Integration with CaixaBank ecosystem: Since Imagin is backed by CaixaBank, it benefits from a large ATM network (no fees for withdrawals) and reliable transaction processing. You also get access to CaixaBank's security and regulatory compliance, which builds trust.
⚠ Watch out for
- Only for Spanish residents: You need a valid Spanish ID (NIE or DNI) to open an account. Non-residents and expats are excluded, which limits its appeal for the many digital nomads and international students in Spain.
- Spanish-only app: The entire user interface is in Spanish, with no option for English or other languages. This is a major barrier for non-Spanish speakers, making it difficult to navigate and understand the app's features.
- Customer support can be slow: Support is only through in-app chat (no phone or email), and response times can lag, especially during peak hours. Users have reported waiting a day or more for a resolution, which is frustrating for urgent issues like card blocking.
- No branches and limited advanced features: As a digital-only bank, there's no face-to-face service. While that's expected, Imagin also lacks more advanced offerings like investments, budgeting categories, or joint accounts, which some users may need as they grow financially.
- Withdrawal fees at non-CaixaBank ATMs: While ATM withdrawals are free at CaixaBank ATMs, using other networks in Spain can incur a fee. This is common, but it's a hidden cost to be aware of if you live in an area with few CaixaBank ATMs.
🎯 Best for
Young Spanish residents and Gen Z or millennial users who want a no-cost, mobile-centric banking experience with gamified saving tools and cashback incentives.
🚫 Who should skip
Non-residents of Spain, expats who need an account in English, or anyone looking for a traditional branch-based banking relationship with personal advice and mortgage/brokerage services.
📚 Learning curve
Minimal — the app is intuitive and onboarding takes just a few minutes, though understanding all the gamified challenges and cashback offers may take a brief look around.
🧑⚖️ Verdict
Imagin is an excellent choice for Spanish residents in their 20s who want a fee-free, mobile-first banking app with a rewards-driven approach to saving and spending. If you're not a Spanish resident or you need more comprehensive banking services, like investments or joint accounts, you should look
💰 Pricing
- Card replacement fee: €10 for standard card, €20 for metal card
- Foreign currency conversion: 1.5% fee
- International transfer (SEPA): free, non-SEPA: €10 flat fee
- ATM withdrawal outside Eurozone: €2 per withdrawal for Future plan (max 3 free per month)
- Account closure fee: none
- Foreign transaction fee of 1.5% may apply even when paying in a foreign currency
- International ATM withdrawals beyond the included limits incur fees
- Interest rates are variable and may change over time
- Metal card has a higher monthly fee but the interest benefit may not outweigh it for smaller balances
🔧 Features
📋 Assessment
💪 Strengths
- Every account balance automatically funds climate projects, regardless of your spending. This means that simply by keeping your money in the account, you're contributing to reforestation and renewable energy projects. It's a set-and-forget approach that aligns your idle cash with your environmental values.
- Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choices. Each purchase is categorized and assigned an estimated carbon footprint, showing you where your biggest emissions come from. The monthly carbon summary helps you set personal reduction goals.
- Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmental impact. By spending at partner businesses or making sustainable purchases, you can unlock higher interest rates on your balance—turning your spending habits into tangible financial benefits.
- A solid feature set for everyday banking: free Mastercard debit card, instant push notifications, spending analytics, and free ATM withdrawals in Germany and the Eurozone. The card is available in a CO₂-neutral variant made from recycled plastic.
- Transparent fee structure with a free Basic plan, making it accessible for those who just want a sustainable bank account without monthly fees. The paid tiers are reasonably priced compared to other premium neobanks.
⚠ Watch out for
- No free tier that also funds climate projects without a monthly fee. The Basic account has no monthly fee, but the climate project funding only kicks in with the paid Zero plan. So if you want to actively support projects, you must pay at least €3/month, which may put off budget-conscious users.
- Only available in Germany and a few other EU countries, limiting adoption for international users. The app is in German only, which can be a barrier for expats or non-native speakers.
- Lacks a physical branch network, which may be a drawback for users who need in-person services like mortgage consultations or complex account issues.
- CO₂ tracking is an estimate based on merchant category, not actual emissions. For example, a small purchase at a large retailer may be over- or under-estimated, which could mislead users who rely on the data for serious carbon accounting.
- The customer support is primarily via email and in-app chat, with no phone support during weekends. Response times can be slower during peak periods, and some users have reported issues with the chat feature in the app.
🎯 Best for
Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects and provides detailed carbon footprint tracking.
🚫 Who should skip
Anyone who needs a free bank account, lives outside the EU/Germany, or wants comprehensive business banking features.
📚 Learning curve
Minimal — the mobile app is straightforward, and the main novelty is that CO₂ tracking is automatic, so most users can start managing their finances immediately.
🧑⚖️ Verdict
Tomorrow is an excellent choice for eco-conscious individuals in Germany who want their everyday banking to actively contribute to climate action. It offers a unique mix of automatic carbon tracking, impact-linked interest rates, and transparent pricing. However, if you need in-person branch access
📊 Use Case Suitability
Higher score = better fit. Scores from editorial review.
🧭 Which One Should You Pick?
Choose Imagin if...
- You are: Young Spanish residents and Gen Z or millennial users who want a no-cost, mobile-centric banking experience with gamifie
- 👍 Completely free account: no monthly maintenance fees, no minimum balance, and no issuance fee for th
- 👍 Gamified savings experience: the app turns savings goals into interactive challenges, helping users
- 👍 Cashback at partner merchants: users get real money back on purchases at a curated list of brands, a
- 💰 Free tier available
- ⚠ Trade-off: Limited to Spanish residents: the account is not available for non-residents, an
Choose Tomorrow if...
- You are: Eco-conscious individuals in Germany who want a mobile-first bank account that automatically supports climate projects a
- 👍 Directly funds climate projects from every account balance, regardless of spending.
- 👍 Automatic CO₂ tracking on transactions provides a clear, behavioral nudge toward lower-carbon choice
- 👍 Impact-linked interest rates reward sustainable usage, aligning financial incentives with environmen
- 💰 From $4.35/mo
- ⚠ Trade-off: No free tier — users must pay a monthly fee, though exact pricing is not clearly
❓ Frequently Asked Questions
Is Imagin really free?
Yes, the basic Imagin account has no monthly maintenance fees, and it does not charge for standard account setup or a virtual card. Some optional services, like certain ATM withdrawals or foreign currency transactions, may have associated costs, so it's worth checking the fee schedule.
Do I need to be a CaixaBank customer to open an Imagin account?
No, you don't need to be a CaixaBank customer. Imagin is a separate digital banking app, although it is owned by CaixaBank. You can open an account directly through the Imagin app with your Spanish ID or residence information.
Is Imagin available outside Spain?
Imagin is designed for residents of Spain and is primarily available to Spanish residents. It offers international card usage, but account opening requires Spanish residency or being an expat living in Spain. The app is mainly in Spanish, which is a limitation for non-Spanish speakers.
Can I get a physical card?
Imagin primarily offers a virtual card, but you can also request a physical debit card through the app. There may be a delivery cost or a need to meet certain conditions for the physical card; the virtual card is free and works with mobile payments.
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