{"id":17947,"date":"2021-09-30T10:00:35","date_gmt":"2021-09-30T08:00:35","guid":{"rendered":"https:\/\/www.11onze.cat\/personal-2\/"},"modified":"2026-01-28T16:03:55","modified_gmt":"2026-01-28T15:03:55","slug":"personal-account","status":"publish","type":"page","link":"https:\/\/www.11onze.cat\/en\/personal-account\/","title":{"rendered":"Personal Account"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h1>\u26a0\ufe0f Important: Banking services will restart once we get the new jurisdiction&#8217;s approval for our new location.<\/h1>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h3><b>11Onze is the fintech community of Catalonia. Open an account by downloading the super app El Canut on <\/b><a href=\"https:\/\/bit.ly\/2YlbZAf\"><b>Android<\/b><\/a><b> and <\/b><a href=\"https:\/\/bit.ly\/Onze-IOS\"><b>Apple<\/b><\/a><b> and join the revolution!<\/b><\/h3>\n<h3><b>Join the revolution!\u00a0 \u00a0 \u00a0\u00a0<\/b><\/h3>\n<p style=\"text-align: left;\"><a href=\"https:\/\/bit.ly\/Onze-IOS\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31490\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/App_Store_CA-1.png\" alt=\"\" width=\"157\" height=\"59\" srcset=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/App_Store_CA-1.png 800w, https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/App_Store_CA-1-768x288.png 768w\" sizes=\"auto, (max-width: 157px) 100vw, 157px\" \/><\/a><b>\u00a0 \u00a0 \u00a0\u00a0<\/b><a href=\"https:\/\/bit.ly\/2YlbZAf\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-31487\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/Google_Play_CA-1.png\" alt=\"\" width=\"158\" height=\"59\" srcset=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/Google_Play_CA-1.png 800w, https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/05\/Google_Play_CA-1-768x288.png 768w\" sizes=\"auto, (max-width: 158px) 100vw, 158px\" \/><\/a><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n    <div class=\"row\">\n      <div class=\"col col-lg-8 offset-lg-2\">\n        <h1>Where are we?<\/h1>\n      <\/div>\n    <\/div>\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <p><span style=\"font-weight: 400;\">Here you will find our current product status and upcoming products that will be available soon.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n\n    <div class=\"component feature\" id=\"feature-block-1\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"feature__img col col-12 col-xl-4 offset-xl-2\">\n            <div class=\"feature__img__wrapper\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/09\/ROADMAP_IMAGES_01_CANUT_1.3_B.jpg\" alt=\"\">\n            <\/div>\n          <\/div>\n          <div class=\"feature__text col col-12 col-xl-3 offset-xl-1\">\n            <h4>Already available!<\/h4>\n            <h2>El Canut 1.3<\/h2>\n            <div class=\"text\">\n              <p><span style=\"font-weight: 400;\">The first version of El Canut, the future financial super app, currently includes the following products:<\/span><\/p>\n\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PSD2. <\/b><span style=\"font-weight: 400;\">European legislation that allows information on payment accounts, cards and products to be stored and managed centrally.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>European IBAN.<\/b> Y<span style=\"font-weight: 400;\">ou will obtain a payments account with European IBAN within the SEPA area. Our first IBAN is from BG.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Virtual card.<\/b> Y<span style=\"font-weight: 400;\">ou can create multiple virtual cards to make payments digitally.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Physical card. <\/b><span style=\"font-weight: 400;\">You will receive a physical card with an exclusive design, made of eco-friendly and recyclable PVC of maximum quality.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payments with Google Wallet and Apple Pay. <\/b><span style=\"font-weight: 400;\">Now you can register your 11Onze cards in your smartphone to make payments at different establishments using Google Wallet or Apple Pay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Guaranteed Funds. <\/b><span style=\"font-weight: 400;\">If you have sold a house, if you have received an inheritance, if you have been saving for a long time&#8230; the Guaranteed Fund is a good option to get a return on that money, to prevent it from being unproductive. Provided by Laurion Group.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Preciosos 11Onze. <\/b><span style=\"font-weight: 400;\">Buy physical gold through 11Onze to protect your savings. Provided by Preciosos 11Onze.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>11Onze Segurs. <\/b><span style=\"font-weight: 400;\">Insure your home at the best price and be socially responsible by giving the insurer&#8217;s profits to an NGO. Provided by Tuio.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>11Onze at Home. <\/b><span style=\"font-weight: 400;\">Make a face-to-face appointment by video call with our agents, they will answer all your questions!<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access La Pla\u00e7a. <\/b><span style=\"font-weight: 400;\">Enjoy La Pla\u00e7a directly from El Canut. Be informed, learn and share with 11Onze Magazine, 11Onze TV, 11Onze Podcast and Learn.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>24\/7 Customer Service. <\/b>11Onze agents are available by phone and chat 24 hours a day. You can contact them from El Canut.<\/li>\n<\/ul>\n<p><strong>Check El Canut&#8217;s prices <a href=\"https:\/\/www.11onze.cat\/en\/pricing\/\">here<\/a>.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h1 style=\"text-align: center;\"><b>Coming soon!\ud83d\udc47<\/b><\/h1>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"timeline-wrapper\">\n\n\n        <div class=\"component timeline \">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_02_PAGAMENTS.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>11Onze Payments<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>11OnzeCash: <\/b><span style=\"font-weight: 400;\">you can withdraw and deposit cash into your account through 11Onze\u2019s retail partners using a simple barcode.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>11OnzePay: <\/b>independent payment infrastructure. You can make payments to establishments or friends by scanning the 11Onze QR code.<\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n\n\n        <div class=\"component timeline  timeline--right\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Investment<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">At 11Onze we will offer you one of the best products on the market to make your capital profitable:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>ETFs: <\/b><span style=\"font-weight: 400;\">an exchange-traded fund<\/span><span style=\"font-weight: 400;\"> (<\/span><span style=\"font-weight: 400;\">ETF) is a set of assets listed on the stock exchange. ETFs are vehicles that help you diversify your investments at a low cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stocks: <\/b><span style=\"font-weight: 400;\">we will give you access to the main stock markets to buy shares in your favourite companies.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Crypto: <\/b><span style=\"font-weight: 400;\">you can buy and sell the main cryptocurrencies on the market.<\/span><\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_03_INVERSIO\u0301-2.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n        <div class=\"component timeline \">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/09\/ROADMAP_IMAGES_04_IBANS_B.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Accounts<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With 11Onze you can choose to have accounts based in several European regions. <\/span><b>IBANs available soon:<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>BE<\/strong> (Belgium)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>ES<\/strong> (Spain)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>FR<\/strong> (France)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>EE<\/strong> (Estonia)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>DE<\/strong> (Germany)<\/span><\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n\n\n        <div class=\"component timeline  timeline--right\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Deposits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">At 11Onze you will be able to invest your savings in exchange for an agreed return over time. A widely used tool by most conservative investors.<\/span><\/p>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_06_DIPOSITS.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n        <div class=\"component timeline \">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_07_CRE\u0300DIT-1.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Credit<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loans: <\/b><span style=\"font-weight: 400;\">we will give you the possibility to obtain loans at competitive interest and conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buy Now, Pay Later: <\/b><span style=\"font-weight: 400;\">we will allow you to postpone payments at a low-interest rate on purchases made in our future marketplace.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mortgages: <\/b>we will help you get the best mortgages available on the market.<\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n\n\n        <div class=\"component timeline  timeline--right\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><strong>Rental opportunities<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">A further option to recover the costs of some day-to-day assets, based on long-term rental.<\/span><\/p>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_RENTING.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n        <div class=\"component timeline \">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_08_COMUNITAT-1.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Community<\/b><\/h3>\n<ul>\n<li><b>Crowdfunding: <\/b><span style=\"font-weight: 400;\">Give you the ability to invest in interesting projects. <\/span><\/li>\n<li><b>New P2P Lending: <\/b>you can lend money to members of the 11Onze community to make a profit.<b><br \/>\n<\/b><\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n\n\n\n        <div class=\"component timeline  timeline--right\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-1\">\n                        <div class=\"timeline__text\">\n                            <div>\n                                <h3><b>Cash management<\/b><\/h3>\n<p>We want to give you the best control tools to manage your personal finances.<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pockets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscription management.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Economic objectives.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal cash management.<\/span><\/li>\n<\/ul>\n\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                    <div class=\"col col-10 offset-2 col-lg-4 offset-lg-2\">\n                        <div class=\"timeline__image\">\n                            <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/09\/ROADMAP_IMAGES_CASH_MANAGEMENT.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n\n<\/div>\n\n\n<div class=\"component accordion\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-8 offset-lg-2\">\n        <h1>11Onze Personal Account Information<\/h1>\n        <div id=\"accordion\" class=\"accordion__wrapper\">\n\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-11\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-11\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-11\">\n                    Concept\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-11\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-11\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">The 11Onze account for individuals is a payment account denominated in euros. It is a non-deposit, non-interest bearing account associated with a Card or Cards and maintained for the purpose of enabling Payment transactions.\u00a0<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-12\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-12\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-12\">\n                    Contract duration and permanence\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-12\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-12\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">The 11Onze Account for individuals has a duration equivalent to the validity period of the card or cards requested, but a notification to 11Onze, in writing or by reliable means, is sufficient to terminate your relationship with us. You must notify 11Onze at least one month in advance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To close your account, you must settle all charges for contracted services: fees, commissions and\/or maintenance.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-13\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-13\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-13\">\n                    11Onze Personal Account application and registration\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-13\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-13\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">To access the 11Onze account for individuals and start the registration process, you will need to have access to the Internet and download the El Canut App on your device. Accept the Terms and Conditions and legal documents that apply to your relationship with 11Onze and its partners, and start the registration process to create an account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can only have one 11Onze Personal Account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This account does not allow co-holders.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-14\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-14\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-14\">\n                    Requirements to contracting the 11Onze Personal Account\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-14\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-14\" data-parent=\"#accordion\">\n                  <p>Be over 18 years of age and have full capacity to act.<\/p>\n<p>Present a legally valid identity document. The accepted documents are:<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Spanish Identity Document (DNI) or Passport for those born in Spain, and one accepted proof of address.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Passport and two accepted proof of address, for foreign residents.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Owning a smartphone compatible with the mobile app; Android or iOS.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The accepted documents to present as your proof of address can be bills (electricity, water, etc.), a bank statement showing your current address, etc\u2026 These documents must not be older than three months.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-15\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-15\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-15\">\n                    Your unique identifier\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-15\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-15\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">Once you have successfully completed the identification process, you will be provided with an IBAN (International Bank Account Number) with 22 characters; a series of alphanumeric characters that identify a specific bank account in a financial institution anywhere in the world.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This account has a BG IBAN (Bulgaria) and it is the identifier which will execute payment orders and transfers sent and received.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">About outgoing wire transfers; 11Onze will not be responsible or liable for non execution or defective execution in case you have entered the IBAN data and \/ or PAN number (in the case of cards) incorrectly.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-16\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-16\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-16\">\n                    Account Top-up\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-16\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-16\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">To activate your account, we ask that you deposit a minimum amount of \u20ac20 into your account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can top up your 11Onze account in several ways:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By SEPA bank transfer between SEPA area accounts. These transfers can take up to three days to process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By transfers between 11Onze accounts. This top-up method is instantaneous. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The options to deposit cash into your account or make a debit card payment are currently unavailable.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-17\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-17\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-17\">\n                    Account and card limits\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-17\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-17\" data-parent=\"#accordion\">\n                  <p><b>Spending Limits by card<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Maximum ATM withdrawal per day &#8211; \u20ac1.000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum ATM withdrawal per month &#8211; \u20ac20.000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum amount spend per day &#8211; \u20ac1.000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum amount spend per month &#8211; \u20ac20.000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum amount spend per year &#8211; \u20ac40.000<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum number of transactions per day &#8211; 20<\/span><\/li>\n<\/ul>\n<p><b>Transfers in \/ Account Loading Limits<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Minimum initial load &#8211; \u20ac20<\/span><\/li>\n<li>Maximum amount in account &#8211; \u20ac50.000<\/li>\n<li><span style=\"font-weight: 400;\">Maximum load limit per day &#8211; \u20ac14.999*<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum number of loads per day &#8211; 10<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum load per month (30 natural days) &#8211; \u20ac14.999*<\/span><br \/>\n* Check the procedure to follow when the \u20ac<span style=\"font-weight: 400;\">14.999<\/span> transfer is exceeded <a href=\"https:\/\/www.11onze.cat\/en\/magazine\/how-much-transfer-11onze-account\/\" target=\"_blank\" rel=\"noopener\">HERE<\/a>.<\/li>\n<\/ul>\n<p><b>Top-up limits by card<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Minimum amount of daily top-ups &#8211; \u20ac20<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum amount of daily top-ups &#8211; \u20ac200<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum amount of monthly top-ups &#8211; \u20ac500<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Maximum number of deposits per day &#8211; 2<\/span><\/li>\n<\/ul>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-18\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-18\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-18\">\n                    View your balance, movements and statements\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-18\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-18\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">You can check your balance and see the movements of your account through the mobile App.<\/span><\/p>\n\n              <\/div>\n\n            <\/div>\n            <div class=\"accordion__item\">\n              <div class=\"accordion__item__title\" id=\"accordionTitleaccordion-block-19\">\n                <h5>\n                  <button data-toggle=\"collapse\" data-target=\"#accordionContentaccordion-block-19\" aria-expanded=\"false\" aria-controls=\"accordionContentaccordion-block-19\">\n                    The balance of your 11Onze Personal account\n                  <\/button>\n                <\/h5>\n              <\/div>\n\n              <div id=\"accordionContentaccordion-block-19\" class=\"accordion__item__content collapse\" aria-labelledby=\"accordionTitleaccordion-block-19\" data-parent=\"#accordion\">\n                  <p><span style=\"font-weight: 400;\">Overdrafts are not allowed using this account. It is your responsibility to ensure that the fees for contracted services, interest, commissions and \/ or maintenance are met on their due date. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the event that the fees for contracted services, interest, commissions and \/ or maintenance have not been settled, you will be required to make a payment to the account as soon as possible. <\/span><\/p>\n<p>&nbsp;<\/p>\n\n              <\/div>\n\n            <\/div>\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n\n    <div class=\"component feature\" id=\"feature-block-2\">\n      <div class=\"container\">\n        <div class=\"row\">\n          <div class=\"feature__img col col-12 col-xl-4 offset-xl-2\">\n            <div class=\"feature__img__wrapper\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/03\/HEADER_LINKEDIN_AGENTS-06.png\" alt=\"\">\n            <\/div>\n          <\/div>\n          <div class=\"feature__text col col-12 col-xl-3 offset-xl-1\">\n            <h4><\/h4>\n            <h2>Personalised customer service 24\/7<\/h2>\n            <div class=\"text\">\n              <p><span style=\"font-weight: 400;\">We have more than 40 agents at your disposal. We want every interaction with us to be a pleasant, meaningful and value-added experience through all possible digital channels.<\/span><\/p>\n\n            <\/div>\n            <a href=\"https:\/\/www.11onze.cat\/contacte\/\" class=\"btn btn-primary\" target=\"\"><span>Contact us<\/span><\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"class_list":["post-17947","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Personal Account - 11Onze<\/title>\n<meta name=\"description\" content=\"Discover the financial services for individuals offered by 11Onze, the first fintech community in Catalonia.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.11onze.cat\/en\/personal-account\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Account - 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