Bnext was the first neo-bank in the region and it is a fintech company that provides a mobile app to manage money. The company aims to develop a model that allows collaboration with FinTechs and is progressively integrating the most leading products in the market to get all available offers on the market. On our website you will be able to find all the complete profiles, deep dives, reports and blog articles of the most popular Digital Banks in the world. To benefit from all this, we invite you to join our community, until the end of February you can enjoy a great offer: https://www.c-innovation.eu/plans

2. Bnext, launched in 2017, is a fintech
company that provides a mobile app to
manage money. It allows you to create
your own current account and include
other accounts on one platform. The
company aims to develop a model that
allows collaboration with FinTechs and
is progressively integrating the most
leading products in the market to get all
available offers on the market.
OVERVIEW
“A new way of living your money”

3. BUSINESSMODEL
Core banking account was free of charge for several transactions and a Premium option.
From January 2023, it started to charge maintenance expenses to its clients. Income is
also generated from interchange fee (0,2%) and marketplace partnerships.

4. APPROACHTOMARKET
A simple and clear proposition for millennials
Positioned as an alternative that allows users to end the bad
experiences of traditional banks
Bnext operates in the EU under an E-Money licence
It obtained the license from the Bank of Spain in 2020
Bnext is building a financial hub
Expanding beyond its home country
It looks like the expansion into South America after a first landed
in Mexico, the incursion into the Americas will be in line with the
main flows of remittances or sending funds from Spain

5. CURRENTPOSITION
The progression of the entity has slowed down considerably since the
pandemic
Those responsible for Bnext are aware that such an internationalization
process will require a significant investment effort
To raise the funding in a first round, Bnext has managed to sell digital
blocks for a value of 11 million, among qualified investors and
individuals. It plans to launch at least three rounds.
But it is also cutting customer benefits and adding monetization
avenues that ultimately is translating into costs for users. Which goes
contrary to its free business model roots.
Bnext analyzes the search for a partner to take a majority stake in the
shareholding and instill the necessary financial oxygen to straighten
the course of the company.

6. PRODUCTS
Current Account
Premium account
Virtual card
Marketplace
Investments
Travel
Loans
Insurances
Energy
Mortgages 34
Crypto
Mobile payments
International transfers
Bnext Cash
Apple Pay
Google Pay
Virtual cards
Automated savings
Budget management
Cash back
Medical chat consultation
FEATURES

7. B3X is the utility token of Bnext. It is the central element of the platform, designed to
favor Bnext users, giving advantages to its owners in the use of its functionalities.

8. SUCCESSFACTORS
Young, diverse, and skillful
team
Varied and wider offering

9. WEAKFACTORS
Small size impacts on income
generation
High set up cost
Dependence on other platforms
Low scale compared to
traditional banks
Its internationalization objectives
require a significant investment
effort
Contrary to other digital banks,
its growth has been slow and also
it has not reached profitability.

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