Banking that stays out of your way.
A current account with no monthly fee, savings at 4.30% AER, and a person on the end of the line when you need one.
- Savings AER
- 4.30%
- Monthly fee
- €0
- Support
- Online
- Statements kept
- 6 years
Variable, paid monthly, instant access
On the standard current account
A form in the Help centre, read by a person
Downloadable, as posted
Three products, not thirty.
We would rather run a small number of accounts properly than sell you something you did not come here for.
Every payment categorised the second it lands, under the name of the merchant you actually paid.
Pots that fill on payday at 4.30% AER, with instant access and no penalty for changing your mind.
Everything the account does, on one screen.
Open an accountInvoicing, payroll and a working-capital line, with a named banker who knows your quiet months.
€100,000
per depositor, protected
Eligible deposits covered up to €100,000 under the Fundo de Garantia de Depósitos, and help you can write to from any payment.
The short version.
Everything below is on the standard account. There is no tier that unlocks the basics.
No monthly fee, ever
The standard account is free to open and free to keep, with no minimum pay-in.
Know the moment you spend
Every payment arrives named and categorised, not four days later as a code.
Pots that fill on payday
Split your salary the morning it lands, at 4.30% AER with instant access.
Nothing extra abroad
The Mastercard rate with no mark-up, and fee-free cash up to €400 every 30 days.
A person, not a queue
Write to us from the Help centre and a person reads it, with the payment already in front of them.
Euro in and out
SEPA credit transfers, SEPA Direct Debits and an IBAN any bank in the euro area can pay.
“I asked about a payment and the answer came back with the payment attached.”
What we are telling customers this month.
What a base rate cut actually does to your savings
Variable rates move with the European Central Bank, but not on the same day and not by the same amount. Here is how ours are set.
Rates12 September 20263 min read
The three scams we stopped most this summer
Fake delivery texts, the 'safe account' phone call, and job offers that ask you to move money. What each one looks like.
Fraud2 September 20265 min read
Pricing a quiet January without panicking
Seasonal businesses do not have a cash flow problem. They have a February problem that starts in October.
Business21 August 20264 min read
The things people ask first.
Yes. Caixa de Crédito is an authorised credit institution, and eligible deposits are protected up to €100,000 per depositor by the Fundo de Garantia de Depósitos.
We are not a member of an automatic account-switching scheme, so we do not quote a number of days and we do not claim a guarantee we are not in. When that changes, the terms will be set out here before you rely on them.
No. You get the Mastercard exchange rate with no Caixa de Crédito mark-up, and fee-free cash withdrawals up to €400 every 30 days.
There is no phone line. Write to us from the Help centre — you can open a topic straight from any payment, so whoever reads it already has the details in front of them.
Eleven branches, and a door that opens.
Our lobbies are staffed by bankers who can approve things, not just hand you a tablet. Walk in without an appointment.
Find a branch
It starts with a conversation.
Open an account in about eight minutes, or write to us first and ask. Either way, a person reads it and answers.