# Ibercaja Banco (Spain)

> Source: https://docs.barcoder.ai/docs/wallets/ibercaja
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Ibercaja — official](https://www.ibercaja.es/)

## Overview

**Ibercaja Banco (Spain)** is **Ibercaja Banking Foundation Foundation Banking Group majority controlling** + **~2.7M+ customers** + **Aragonese banking heritage post-Nov 2011 spin-off of historical Caja de Ahorros de la Inmaculada Aragonese savings bank** <sup>[1][1], [Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup>.

## History

**1876 — Caja de Ahorros de la Inmaculada CAI Aragonese savings bank founded in Zaragoza, Aragon, Spain** distinctive Aragonese banking heritage.

**1905 — Caja de Ahorros y Monte de Piedad de Zaragoza, Aragón y Rioja Ibercaja founded** distinctive Aragonese savings banking heritage.

**Nov 2011 — Ibercaja Banco S.A. founded via Ibercaja Banking Foundation good-bank spin-off of CAI + Ibercaja savings banks** distinctive Spanish savings bank restructuring post-Spanish banking crisis.

**2014 — Ibercaja Mobile Banking app launch**.

**2019-2022 — Ibercaja IPO plans repeatedly postponed**.

## Ownership & operator

**Operating entity**: **Ibercaja Banco S.A.** (Spanish commercial bank; Ibercaja Banking Foundation Foundation Banking Group majority controlling).

**Major shareholders**: **Fundación Bancaria Ibercaja ~83.4% controlling + Caja de Badajoz Fundación + Fundación Caja Inmaculada CAI + Fundación Caja Tres Foundation Banking Group + Spanish retail + institutional investors**.

**Regulators**: **Banco de España + ECB**.

## Technical integration

Ibercaja Mobile Banking app (iOS + Android; ~2.7M+ customers) + ibercaja.es online + Ibercaja Banco branch network across Spain + Ibercaja Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + Bizum (Spanish bank-consortium A2A mobile payments) + Wero (post-EPI launch).

## Implementations & partners

**Major Spanish banking + Bizum competitors**: [BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain) (BBVA Spain; Spain's largest commercial bank by assets) + [CaixaBank + imagin](https://docs.barcoder.ai/docs/wallets/caixabank) (CaixaBank; Spain's #2 commercial bank by assets + Imagin digital subsidiary) + [Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain) (Banco Santander Spain; Spain's #3 commercial bank by assets) + [Banco Sabadell](https://docs.barcoder.ai/docs/wallets/banco-sabadell) (Banco Sabadell; Spain's #4 commercial bank by assets) + [Bankinter](https://docs.barcoder.ai/docs/wallets/bankinter) (Bankinter Spanish commercial bank) + [Unicaja Banco](https://docs.barcoder.ai/docs/wallets/unicaja) (Unicaja Banco; Spain's #5 commercial bank by assets) + [Abanca](https://docs.barcoder.ai/docs/wallets/abanca) (Abanca Spanish commercial bank) + [Kutxabank (Basque)](https://docs.barcoder.ai/docs/wallets/kutxabank) (Kutxabank Basque savings bank) + Banco Pichincha España (Banco Pichincha Ecuadorian bank in Spain) + [Bizum](https://docs.barcoder.ai/docs/standards/bizum) (Spanish bank-consortium A2A mobile payments) + Openbank (Openbank Santander digital bank).

**Regulators**: Banco de España + ECB.

## Status

**Active, Ibercaja Banking Foundation Foundation Banking Group majority controlling + ~2.7M+ customers + Aragonese banking heritage post-Nov 2011 spin-off of historical Caja de Ahorros de la Inmaculada Aragonese savings bank** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.ibercaja.es/ "Ibercaja — official"
[2]: https://en.wikipedia.org/wiki/Ibercaja_Banco "Ibercaja Banco — Wikipedia"
[es-cro]: https://docs.barcoder.ai/docs/payments/ES

- [1] [Ibercaja — official][1]
- [2] [Ibercaja Banco — Wikipedia][2]
- <sup>[Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup> In-corpus: `reports/countries/ES-spain.md`

## Source

Biography extracted from [ibercaja.md](https://docs.barcoder.ai/source/wallets/ibercaja). See `matrix.md` for standards-support matrix if present.