Bank AI
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Kutxabank — Spanish retail bank headquartered in Bilbao, with a strong Basque Country footprint, supervised by Banco de Espana.

HQ
Bilbao
Customers
1.7M+ customers in the Basque Country and beyond
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Kutxabank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Kutxabank are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Kutxabank account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Mercadona
  • Eroski
  • Carrefour
  • El Corte Ingles
  • Renfe
  • Repsol
  • Cepsa
  • Amazon

Detected subscriptions

  • Netflix
  • Spotify
  • Movistar+
  • Disney+
  • Movistar
  • Euskaltel

  • How much sits across my Kutxabank cuenta corriente and pension plan today?
  • Compare my Kutxabank card spend at Eroski and Mercadona with last quarter.
  • List every recurring Euskaltel, Movistar and Movistar+ payment on my account.
  • What's the next direct debit due on my Kutxabank account?

Does Bank AI move money on my Kutxabank account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Kutxabank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Kutxabank app.

How does Bank AI connect to Kutxabank?

Kutxabank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Does Bank AI work with Cajasur (Andalucia) under Kutxabank?

Cajasur Banco is part of the Kutxabank group with its own customer base in Andalucia. Bank AI reads each one as its own connection.

What about my Kutxabank pension plan?

Where Kutxabank exposes pension-plan positions via PSD2, balances and contribution flows are surfaced alongside the cuenta corriente.

Are Kutxabank business accounts read too?

Where Kutxabank exposes business / autonomos accounts via PSD2, they appear under your Kutxabank connection and are tagged separately for clean SME reporting.

What happens if Kutxabank raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Kutxabank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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