The financial services of the future, in one click

At 11Onze we begin to reveal the conditions of the services that we will offer on October 1 to the first 5,000 customers. With the help of junior product manager Sara Casals, we detail what we will soon be able to find in El Canut, the super app that comes to revolutionize traditional banking.

 

“On October 1, we launch an 11Onze individual account. Once you sign up for this account with the access code, we will be able to add new services,” Casals explains. The initial account will be for people of legal age and only one account holder will be accepted. When the customer enters 11Onze’s super app, El Canut, he or she will have a fincom account, but will also be able to add accounts from other financial institutions with which he or she has contracted a service.

The aim is to be able to manage all accounts from El Canut, so that the customer will have a greater financial control of his/her money. Within the same initial package, in addition to the account and the super app, the customer participates in La Plaça, an active financial community. This community generates content about the world of money, promotes training with lessons and audiovisuals, and has 24-hour attention of the 11Onze team of agents. “We charge what we charge in order to cover the minimum costs. In a few months we will offer a very wide range of services. You have to be patient and get into 11Onze little by little,” Casals reveals.

The products that will make us grow

  • An cyphered e-mail, protecting communications. One of the non-financial services that we will offer in 11Onze, but that can be useful to manage and organize our finances, is an e-mail with 11Onze’s domain “completely cyphered”, explains Casals. This means that we will be able to maintain communication with suppliers, clients or users with total security, because the email will cypher both the sender and the receiver as well as the message.
  • ETF packages, learning to invest. As for financial services, one of the milestones will be ETF packages, i.e., exchange-traded funds. “ETF packages allow you to invest in units. Each participation represents a portfolio of shares, which yields returns, not through managers who buy and sell on the stock market, with the risk that this entails, but fluctuates according to the index within which it is framed. Thus, you are diversifying your money and it is more difficult to put it at risk. Without having very in-depth knowledge of the world of the stock market, our clients will be able to access it,” explains our junior product manager. Obviously, thanks to La Plaça and the 11Onze brokers, the community will gradually learn how to trade on the stock exchange. “We will configure the product according to the client’s needs and knowledge,” says Casals. One of the peculiarities of these packages will be that it will not be necessary to invest a large amount, as is usually the case in traditional banking. The other feature is that it will be possible to choose between several portfolios and the user will be able to consult which companies are part of them, so that all the packages will allow investment “without having ethical and moral conflicts”. “We will have eco packages, for example, with companies that are sustainable. We will promote socially responsible investing,” says the junior product manager.
  • Europe-wide lending services: “At 11Onze we will also be able to offer loans with the most competitive rates that we find in the European market,” Casals continues. In fact, precisely, the network that our community fintech has created throughout the European Union, thanks to the PSD2 regulation, makes it possible to enjoy and choose from a wide range of services from various European financiers. This advantage is not possible in traditional banking, which forces you to purchase its services at a fixed price. In addition, at 11Onze “we will never offer loans that will drown our clients with unaffordable interest rates”. “If a client has a good history, but a month does not reach everything, relief can be found in loans with a very low interest rate,” assures the junior product manager.
  • The cryptocurrency wallet, the ultimate tool. “If we talk about investment services, we have to mention that we will have our own cryptocurrency, Les Peles, and we will offer a crypto wallet within El Canut, through which we will be able to buy, sell or store cryptocurrencies,” Casals explains. That’s why we say that El Canut will allow us to create a financial hub, because all our finances will be protected within the same application. This is how we will be able to offer more profitability to our savings. “When the currency is unstable, in times of hyperinflation, you make sure that the value of your money is not lost. Gold, for example, tends to go up when the currency goes down,” details the junior product manager. To learn how to move savings from one currency to another, we will, of course, have La Plaça and the 11Onze agents.
  • Debit cards, a guaranteed savings. Casals also reveals that credit cards will not be offered, but debit cards will be. “A credit card promotes an irresponsible use of money. When you pay with money you don’t have, you can find yourself with a problem when it’s time to pay it back, because the interest is increasing. For this reason, 11Onze will provide customers with all the tools they need to take control of their finances and learn how to save. “If we get the customer to be financially literate, we are sure they will be able to save,” she says.
  • Customized accounts, personalizing finances. As the 11Onze community grows, there will also be different accounts for the self-employed, companies, families, senior citizens, minors, shared accounts or subaccounts. Specifically, Casals reveals that, for example, the accounts for the self-employed and companies are being designed to have associated digital factoring and leasing services. That is, through El Canut it will be possible to manage the accounts of a business and generate invoices, but also to advance payments to suppliers when there is no liquidity or manage the rental of offices, technology or company cars, among others.

Community Banking

Costs? Yes, but very competitive

  • Having an account like someone who has a subscription. “We will have a monthly fee of €2.95, which is the price of a Sunday newspaper. It will be a monthly cost, we will not charge you an annual fee. So, if at any time you want to unsubscribe, you can do so without any problem,” Casals explains. In total, to maintain an account with 11Onze you will only have to pay 35.40 euros a year, subscription charges that are considerably more competitive than those currently offered by traditional banks, which range from 50 to 200 euros a year. In addition, this price offers the new generation app, El Canut, personalized attention from agents 24 hours a day and membership in the community in La Plaça. “You won’t find this in any other fintech or bank,” says our junior product manager. “We think it’s a more than fair price. Some conventional banks offer you a free account, but in exchange they force you to have your salary paid directly into your account or have a minimum balance of a certain amount,” she argues.
  • You only pay for the card once. In addition to the €2.95 per month of subscription charges, the cost of the debit card will be charged in a single payment, if one has been requested, which “will have a unique design, totally eco-friendly”. “We don’t do like traditional banking, where you have to pay every year for a card that you get only once. The price includes the cost of the card and shipping costs, 14.95 euros,” says Casals.
  • Transfers, in evolution. Transfers between 11Onze accounts will be free and instantaneous. “To make transfers to other entities, a commission will be applied, but as soon as it can be offered free of charge, we will do so,” says the junior product manager. Thus, receiving transfers will be free, but sending them will cost 0.75 cents. “When we have active company accounts, we will probably have to adapt to the needs of these companies. And we know they need to make transfers and deposit cash,” he expands.
  • And what about ATM withdrawals? “Finally, we are working to create our own network where you can make purchases and, at the same time, withdraw and deposit cash,” Casals explains. For the moment, however, if people want to withdraw money from the ATM with the 11Onze account, the price is 1.10 euros, plus 1% of the amount. Even so, our junior product manager reminds us that “customers are not being asked to close their current accounts at other banks and, therefore, if money needs to be withdrawn from the ATM, it can be done from those other accounts.” In addition, it should also be borne in mind that, in the not too distant future, it is likely that cash will disappear from the market.

Want an 11Onze account? Order batch in Get in line. With the code we’ll give you, you can open an account on October 1st.

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With a strong community, a shared structure and leading technology, operating worldwide



Equip Editorial Equip Editorial
  1. Pere Maria EstremPere Maria Estrem says:
    Pere Maria

    Amb ganes de conèixer nous productes. A veure si surten aviat.

  2. Gabriel JosidGabriel Josid says:
    Gabriel

    Si un establiment (botiga) tingués un compte a 11Onze, es podrà fer pagament mitjançant transferència entre comptes d’11Onze, és a dir, entre el meu compte cap al de la botiga? Fent servir el Canut. Per dir-ho d’un altre manera, com si es fes un bizum però entre comptes d’11Onze.

    • Pilar Oltra ViguerasPilar Oltra Vigueras says:
      Pilar

      Hola Gabriel, el servei d’enviar i rebre transferències entre comptes 11Onze serà instantani. Gràcies per ser-hi a La Plaça.

      2 weeks ago
  3. Joan HernándezJoan Hernández says:
    Joan

    L’app de El Canut està ja disponible per iOS? No la he localitzada a la App Store del iPhone.

    • AlbertAlbert says:
      Albert

      Sí, Joan. El Canut està disponible per iOS i Android. Això no vol dir, però, que sigui pública ara per ara, perquè s’està fent el procés d’incorporació a l’app de manera controlada.

      2 weeks ago
  4. Carme Dalmau PlanasCarme Dalmau Planas says:
    Carme

    Considero molt important i impensable per mi, que trobo correcte el que cobreu. Vull dir tot el que esteu fent

  5. Marc MonforteMarc Monforte says:
    Marc

    Els 2,95 euros mensuals no em semblen malament. Haver de pagar 1,10 euros + 1% de la quantitat al retirar diners en un caixer em sembla un xic massa. Tot i això estic esperant a la cua a poder obrir el compte i provar-lo durant un temps. Salut i força el Canut!!

    • Jordi CollJordi Coll says:
      Jordi

      Hola, Marc… D’aquí a poc temps estarà disponible una nova funció anomenada TopUp, amb la qual podràs posar diners al teu compte corrent de 11Onze sense haver de fer una transferència i per tant et podràs estalviar les despeses esmentades. Es tracta d’una forma molt senzilla i gratuïta de carregar el teu compte corrent de 11Onze de forma instantània i sense haver de pagar res de res. Moltes gràcies pel teu comentari.

      3 weeks ago
    • Elisabet Porqueras GarciaElisabet Porqueras Garcia says:
      Elisabet

      Gràcies pel teu comentari Marc, ens veiem per La Plaça

      3 weeks ago
  6. Ricard Calvo VilanovaRicard Calvo Vilanova says:
    Ricard

    Restem a la espera

  7. Josefina PicasJosefina Picas says:
    Josefina

    Com a consumidora i ciutadana potser em surt més a compte a la llarga pagar una subscripció que asseguri la viabilitat d’una banca ètica i comunitària, que no pas continuar engreixant els beneficis de grans corporacions bancàries amb qui no puc confiar.

    • AlbertAlbert says:
      Albert

      Sí, Josefina, aquest és l’esperit d’11Onze i ens complau moltíssim que el copsis amb tanta claredat. Gràcies pel teu comentari!

      3 weeks ago
  8. Carles Gonzàlez NoguésCarles Gonzàlez Nogués says:
    Carles

    Ara coneixem els costos per subscripcions, transferències, etc. Però hi haurà alguna retribució pels estalvis? Algun incentiu que compensi els costos? Quines opcions d’inversió hi ha?

    • Silvia GarrigaSilvia Garriga says:
      Silvia

      Hi ha previsió d’oferir molts més productes i serveis, del que anirem informant a mida que estiguin disponibles. Gràcies per seguir-nos Carles, i segueix atent.

      3 weeks ago
  9. Joaquim EstebanellJoaquim Estebanell says:
    Joaquim

    El mateix que jo, per…

  10. David MateosDavid Mateos says:
    David

    Dieu:
    per mantenir un compte per a particulars amb 11Onze no caldrà pagar més de 35,40 euros l’any, una quota de subscripció força més competitiva que les que, ara per ara, ofereix la banca tradicional, que van dels 50 als 200 euros anuals.
    No obstant, alguna banca tradicional no cobra comissions, ni requereix minims exagerats pels manteniment del compte.
    Em surtirà mes car Onze que la resta de bancs, a no ser que trengui rendiment econòmic de moure els diners d’Onze mitjançant inversions, (cosa gens trivial)

    • Silvia GarrigaSilvia Garriga says:
      Silvia

      Anirem oferint més serveis i productes de mica en mica, dels que us tindrem informats des de La Plaça, com sempre. La gratuïtat no sempre és del tot certa, ja que a vegades hi ha obligacions de contractar o de permanència, però en qualsevol cas, esperem que el que oferim acabi sent del teu interès. Gràcies per seguir-nos David

      3 weeks ago
  11. Roberto LorenteRoberto Lorente says:
    Roberto

    Ja tinc l’app però no em puc registrar perquè soc resident a Suïssa 🙁

    • AlbertAlbert says:
      Albert

      Cert, Roberto. Per ara, aquest és un requisit obligatori. Gràcies per exposar el teu cas i et convido a que segueixis gaudint de La Plaça. Salut!

      3 weeks ago
  12. Elisa MallofréElisa Mallofré says:
    Elisa

    Les alttes entitats et diuen que el servei no té comissions, si compleixes un seguit de requisits: domiciliar nòmina o pensió, contractar assegurances, tenir uns ingressos mínims i una operativa mínima al mes, i tot i així constantment et trobes sorpreses a l’extracte, quan reclames et diuen que han canviat condicions i ara si vols el servei gratuït has de complir no sé quina altra cosa. Jo m’estimo més pagar pel servei i no tenir sorpreses i enrabiades sincerament. La banca tradicional és molt deshonesta amb la gent.
    Però tothom de seguida té la sensació que no paga res amb el seu banc, realment els funciona l’estratègia.

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia, Elisa, moltes gràcies pel teu comentari i per mostrar interès en el nostre projecte. Nosaltres no ens volem comprar amb ningú, ho fem el millor que podem en tots els sentits, i el més important, sempre aportant transparència a vosaltres, les persones. Que tinguis molt bon dia!

      3 weeks ago
  13. Pere

    Porto tants anys sense pagar cap cost, comissió o “subscripció” a un banc que fer-ho ara em sembla inversemblant. Estic encantat amb el projecte. Continuaré atent aviam com evolucioneu.

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Moltes gràcies, Pere. Una fintech ètica, no significa que sigui gratuïta, el que implica és que el client en tot moment serà informat de quins costos té. Esperem veure’t per La Plaça!

      3 weeks ago
  14. Joan Vilà CastroJoan Vilà Castro says:
    Joan

    Em sap molt greu però no podré obrir el compte com fa mesos que desitjo. Sóc estudiant i no puc dedicar els pocs estalvis que tinc en pagar una subscripció per a un servei i unes transferències que actualment tinc sense comissions. Per altra banda, els meus pares tenen un compte conjunt amb nòmina domiciliada i per a ells tampoc hi ha cap tipus de comissions, quan els hi he explicat com funcionarà (de moment) el compte d’11Onze, m’han posat cara de què m’estas dient. Sóc conscient que algú em dirà que són molts pocs diners al mes però per algunes families és important fins a l’últim cèntim i no es poden “perdre” en subscripcions que ara mateix tenim sense pagar en altres entitats. Salut i força a ‘El Canut’!

    • Pere Saus MarinPere Saus Marin says:
      Pere

      Gràcies per la teva sinceritat, Joan. Nosaltres cobrem els costs i no fem pagar comissions ni obliguem a contractar serveis per tenir un compte, no som venedors. De totes maneres anirem ampliant la nostra cartera de productes perquè ben aviat us pugueu afegir a la nostra comunitat i gaudiu de tots els avantatges, que hi aportem. Salutacions.

      3 weeks ago
  15. Ramon Vidal ViñalsRamon Vidal Viñals says:
    Ramon

    Be. Quan poguem accedir-hi, ens registrarem i veurem com funciona el tema.

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia, Ramon, esperem i desitgem que t’agradi l’aplicació “El Canut”. Ens veiem per La Plaça!

      3 weeks ago
  16. Ramon Vidal ViñalsRamon Vidal Viñals says:
    Ramon

    De moment no hi veig prous ventatjes per subscriure-ho. Pot ser mes endevant.

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia, Ramon. Pensa-ho tant com vulguis, aquí t’esperem amb el nostre millor somriure i el millor de nosaltres. Mentrestant, esperem veure’t per La Plaça.

      3 weeks ago
  17. J.Carles PlanasJ.Carles Planas says:
    Josep Carles

    Vinc a donar un cop de ma

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia i moltes gràcies, J.Carles. Ens veiem per La Plaça!

      3 weeks ago
  18. Carles Gonzàlez NoguésCarles Gonzàlez Nogués says:
    Carles

    No m’acaba d’agradar. Treballo amb diverses entitats i amb totes elles tinc transferències i caixers gratuïts. I sense comissions. D’acord en pagar una comissió mensual (anomenada subscripció), però veig que no hi haurà manera gratuïta de treure diners d’11onze?

    • Pere Saus MarinPere Saus Marin says:
      Pere

      Hola, Carles. Sí que hi haurà manera de treure o obtenir diners sense haver de pagar costos amb nosaltres. Estigues atent a La Plaça per estar informat i al dia de les novetats que anirem aportant. ^_^

      3 weeks ago
  19. Carles Mesegué riusCarles Mesegué rius says:
    Carles

    De moment,a dia d’avui no entenc per què tinc que pagar a 11onze per serveis que tinc totalment gratuïts a l’entitat amb la que treballo. La notícia de pagar per a “tot” a 11onze no l’entenc, i suposo que no sóc l’únic.

  20. Cristian Palau BatistaCristian Palau Batista says:
    Cristian

    Interessant els serveis i els preus. Tindrém que anar provant la operativa. I esperem creixin com a entitat i puguin oferir mes serveis a preus competitius. Com diem a Catalunya “poc a poc”

  21. Josep RuaixJosep Ruaix says:
  22. Gemma RAMON I PUIGGemma RAMON I PUIG says:
    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia, Gemma! Avui és el gran dia! Ens veiem per la Plaça, que tinguis molt bon divendres!

      3 weeks ago
  23. Joan BringuesJoan Bringues says:
    Joan

    Comissions com casi tothom, malament.

    • Pere Saus MarinPere Saus Marin says:
      Pere

      Nosaltres no cobrem comissions, Joan. De moment apliquem el cost dels nostres productes i serveis.

      3 weeks ago
  24. Pere SorianoPere Soriano says:
    Pere

    Poc a poc arriba l’hora. Esperant comprovar les opcions i el funcionament. Endavant.

    • Jennifer Roca CivitJennifer Roca Civit says:
      Jennifer

      Bon dia, Pere! Avui és el gran dia, moltes gràcies pel teu comentari, esperem que t’agradi l’APP “El Canut”, ens veiem per la Plaça!

      3 weeks ago
  25. Cristian Domínguez ValeroCristian Domínguez Valero says:
    Cristian

    Es a dir, un compte 2,95€/ mes i una tarja de dèbit 14,95€ un cop ( no es cobra 2,95€/mes un altre cop), oi?

    • AlbertAlbert says:
      Albert

      Exacte, Cristian. El cost del compte és mensual; el cost de la targeta és un sol cop, i inclou l’enviament. Salut!

      3 weeks ago
  26. Vicenç ClascàVicenç Clascà says:
    Vicenç

    Quines ganes de començar.

  27. Josep GimbernatJosep Gimbernat says:
    Josep

    Encara no som dema??? quines ànsies, jeje

  28. Ricard Calvo VilanovaRicard Calvo Vilanova says:
    Ricard

    Esperant a demà

  29. alicia Coiduras Charlesalicia Coiduras Charles says:
    alicia

    Ja en tinc ganes,esperaré com diu Sara a fer coses mica en mica de moment tenir tots els comptes a 11Onze ja es un gran que
    Mica en mica creixerem més encara del que ja estem fent
    Gràcies per aquesta feina tan ben feta

  30. Sergi HuescaSergi Huesca says:
    Sergi

    Tic tac tic tac….ja queda poc!!!!
    Salut a tothom

  31. juan carlos maturana perezjuan carlos maturana perez says:
    juan carlos

    👏🏻👏🏻👏🏻

  32. Pere Maria EstremPere Maria Estrem says:
    Pere Maria

    A veure quins productes encaixen en el meu perfil. Estaré amatent.

  33. Marc PadrósMarc Padrós says:
  34. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  35. Xavier TarridaXavier Tarrida says:
    Xavier

    Les tarifes anunciades les podrem valorar a partir de que s’activin els diferents serveis d’11ONZE i El Canut.
    Pagar un preu just per un servei excel·lent es un win-win per a tots.
    Les expectatives son elevades, aviat ho veurem.

    • Laura Bunyol BartrinaLaura Bunyol Bartrina says:
      Laura

      Gràcies, Xavier, esperem satisfer les teves demandes. Un plaer estar a la vostra atenció.

      3 weeks ago

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