CaixaBank

Universal bank · Valencia, Spain

CaixaBank is Spain's largest domestic retail bank with 20.7 million customers in Spain and Portugal, where it owns 100% of Banco BPI. It reported EUR 5.89 billion net profit for 2025 and a 12.54% CET1 ratio at June 2026. Business services outside Iberia run through six branches in France, Germany, Italy, Poland, the UK and Morocco. It offers bitcoin exposure only through two ETPs and holds no crypto itself, while co-founding the Qivalis euro stablecoin venture.

Legal name: CaixaBank, S.A.
Regulated by: ECB (SSM), Banco de Espana, CNMV (Spain), Banco de Portugal (Banco BPI)
Licence confirmed: yes, on a regulator's own list
Established: 2011
Website: www.caixabank.com

Scores, 0 to 10

7.5Europe (EU, EEA, Switzerland)

Largest retail bank in Spain plus 100% of Banco BPI (fourth-largest in Portugal, 11% market share) and branches in France, Germany, Italy and Poland. · source

7.5Financial strength & stability

Ratings A2/A+/A+ all stable, CET1 12.54% at June 2026, NPL ratio 2.1%; not a G-SIB. · source

7.0Lowest fees

Self-employed account has no maintenance or administration fees, free online EEA transfers and a free debit card per Wise (June 2026); a 2026 guide cites Cuenta Negocios at EUR 9 per month waived above EUR 3,000 monthly inflows. · source

7.0Startups & VC-backed companies

DayOne specialised startup banking since December 2017 with a EUR 250 million credit facility, tenfold client growth since launch, and a venture debt fund with EUR 30 million deployed by January 2026. · source

6.0Trade, manufacturing & import-export

Import and export letters of credit, guarantees and UPAS offered through branches in Germany, France and Poland; IFC Global Trade Finance Program participant. · source

6.0On-ramp: buy crypto with fiat

A May 2026 hands-on guide reports CaixaBank does not block SEPA payments to MiCA-licensed exchanges and treats them as ordinary transfers, with an app confirmation above EUR 10,000 and a EUR 15,000 default SEPA Instant cap per payment; this is personal-account evidence and nothing is published for companies. · source

5.5Fast digital onboarding

Self-employed accounts can be opened online per the bank's page; Trustpilot reviewers report that foreign customers are asked to come to Spain in person. · source

5.5Online businesses: e-commerce and SaaS

CaixaBank Payments and Consumer runs POS acquiring in Spain and the bank held a 44% market share among the self-employed at the 2022 MyCard Negocios launch; no multi-currency collection accounts. The online SME account has no fees and 24/7 online banking, but no API, USD receiving account or accounting integration is published on the company pages. · source

5.5Off-ramp: crypto to fiat in a business account

The same 2026 guide says incoming transfers above EUR 10,000 from exchanges can trigger a source-of-funds request answered with exchange statements; CaixaBank publishes no written business process for crypto proceeds. · source

5.0Cross-border payments, FX and multi-currency accounts

Free online SEPA transfers within the EEA for business accounts; cross-border trade finance via six European and Moroccan branches, but FX margins are not published. International Banking network of six branches plus 17 representative offices covering over 70 countries, but no global cash-pooling platform. · source

5.0Business cards (Visa, Mastercard)

CaixaBank's company account page says businesses can issue debit and credit cards for the company and its employees; networks, foreign fees and virtual cards are not stated there. · source

4.0United Kingdom

One international branch in the UK serving corporate clients, no UK business current accounts. · source

4.0Foreign-owned & non-resident companies

Opening a CaixaBank company account is 100 percent online for Spanish firms and requires the company's NIF and documents proving its activity, after which a manager calls; no path for owners abroad is published. · source

4.0Bitcoin

Since November 2025 clients can buy two physically backed bitcoin ETPs from Invesco and WisdomTree through Broker CaixaBank and imagin, which is price exposure only; direct bitcoin under the March 2026 MiCA licence had not launched by September 2026. · source

3.5Latin America, Africa & South Asia

A branch in Morocco offers advice, financing and basic banking services to Spanish companies operating there; no other emerging-market licences. · source

3.5Best interest on business balances

No published yield on business current balances was found; deposits are covered by the Spanish Deposit Guarantee Fund up to EUR 100,000. · source

3.5Fintech companies that need a partner bank

No safeguarding, BaaS or EMI programme found; the group's own neobank imagin has nearly 4 million customers. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the CaixaBank pages opened today. · source

3.0Crypto wallet and custody for a business

CaixaBank S.A. has been on the ESMA MiCA register since 27 March 2026 for custody, order execution, reception and transmission of orders and transfers, but a May 2026 guide says spot crypto is not yet available in the app and the retail rollout is due over the coming months; no business crypto account has been announced. · source

3.0Stablecoins (USDC, USDT and others)

CaixaBank is a founding member of Qivalis, the bank-owned euro stablecoin issuer that chose public Ethereum in September 2026 but still awaits DNB authorisation for a second-half 2026 launch; CaixaBank is not in the 21-bank USD venture, and no stablecoin service exists for clients today. · source

2.5Crypto-friendly bank

CaixaBank offers only two bitcoin ETPs (Invesco, WisdomTree) since 5 November 2025 and explicitly does not provide direct crypto trading or custody; no policy on crypto businesses is published. · source

2.0Customer satisfaction

Trustpilot 1.3 out of 5 from 2,972 reviews with 94% one-star. · source

2.0Ethereum

CaixaBank's listed crypto products are two bitcoin ETPs with no ether product; its MiCA licence would allow ether custody and orders, but nothing was live in the app as of a May 2026 guide. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants; CaixaBank's MiCA authorisation covers custody, orders and transfers, not payment acceptance, and no such product was found, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.