Account
Your money, working.
€4,328
↗ Rewarded every month, no need to ask
✓ No fees
Spanish IBAN
ES12 0232 1234 5678 9012 3456
The first Agent Pay.
An AI agent for you, your family and your community.
What is an Agent Pay
An account with an artificial intelligence agent that helps you while you decide. All the advantages of a traditional financial institution. None of its drawbacks.
Account
Spanish IBAN
ES12 0232 1234 5678 9012 3456
Card
With your people
Your agent recognises your partner, your family, your flatmates, your community. Split the dinner, schedule the rent, pay the community fee — without arguing through the app.
Three lives, one agent
Money rarely moves alone. That's why your Agent Pay understands you, your family and your community — one language, one account, one agent.
Your personal agent.
Your day-to-day, in a conversation. Your agent learns how you spend, gets ahead of your recurring payments, and moves money for you when you ask.
Your shared agent.
An account for your people. Your agent splits the rent, divides the dinners, schedules each one's monthly contribution and alerts you when something changes.
The community's agent.
An account with its own IBAN for your homeowners' community. Your agent collects dues, executes the levies approved by the board, pays the plumber, and shows every neighbour where each euro is.
The commitment
A simple promise: what you don't use doesn't cost you, what you leave here works for you.
Fees
Keeping your account costs nothing. Moving your money, nothing either. The only fees that exist are the ones you choose to activate — an optional plan for advanced needs.
Reward
Your money at Next Capital stays earning. No strings, no linked products, no need to ask.
Why Agent Pay
An account is balance. An agent is agility. No branches, no queues, no advisor to call at eleven. You decide. It speeds things up. Result in seconds. That's why we are called Next Capital: because what's next for money is already here.
Agent Pay in action
An urgent invoice, a transfer, splitting a dinner, scheduling your community fee. You talk to it like a friend. It proposes, you decide, it executes.
No forms, no tabs, no in-between steps. What takes six clicks in another app, here is a conversation.
Balance, forecast, alerts. Your agent breathes in real time. Forget the monthly close and the «let me check the statement».
Instant SEPA transfers, 24/7. To your partner, your flatmate, your community plumber.
Security by design
A new kind of agent, operating under the same regulatory framework as always. The conversation is fast; the guarantees, those the law requires.
Regulation
Electronic money services are provided under the authorisation of the Bank of Spain. Account, IBAN, card and payments, in a regulated framework.
Custody
Your money is not on our balance sheet. It is held in segregated accounts at Banco Inversis, S.A. If Next Capital stops operating, your money remains intact.
Encryption
Every operation travels end-to-end encrypted. Not even we can read what you don't want us to read.
Sovereignty
European infrastructure. Your information does not cross the Atlantic unless you decide so.
Get started
You only need your ID and a selfie. No paperwork, no branches, no waiting. If you open an account for your family or your community, your agent guides the next step.
No small print. You can cancel the process whenever you want. Privacy policy
Honest questions
It is a new category, and Next Capital is the one launching it. An Agent Pay is an agentic payment system: your account doesn't just receive orders, it proposes and speeds things up. You tell it what you want in a conversation, it confirms in a single line, you decide, and it executes. Paying an invoice, splitting a dinner, scheduling the community fee, setting aside part of your salary for next month — no forms, no tabs, no waiting.
No. And at the same time, we are something unique in the market: we are an agent. In the new reading, we are your Agent Pay — we propose, speed up and execute for you; you decide. In the classic reading, we are a registered agent of SEFIDE EDE, S.L., an electronic money institution authorised by the Bank of Spain. Banca March, S.A. acts as agent bank and Banco Inversis, S.A. holds the funds in segregated accounts, separate from our balance sheet. The same word says both things at once. And we find that beautiful.
You always decide the what, the when and the how much. The agent proposes, speeds things up, confirms with a one-line summary and only executes when you say yes. For some recurring tasks — the community fee, the rent, a family monthly transfer — you can give it permanent permission to act without asking each time. You define that permission and can revoke it at any moment.
With your valid ID and a selfie. Identity is verified in minutes. Once your account is active, you can receive and move money, request a card and, if you wish, invite your partner, your family or your community.
With an optional plan for advanced needs, with the fee that merchants pay to the networks when you use the card, and with specific services for communities and professional providers. Never with small print, never with surprise charges at month-end.
Yes. We move your direct debits, bills and salary in a few clicks. We talk to your previous bank.
Your information does not train generic models. It is processed encrypted, on European infrastructure, and only to improve what you do with your money. You decide what the agent shares and with whom.
Yes. Shared funds with member permissions, live audit and automatic splitting. What used to be done on a spreadsheet, the agent now does for you.