The first Agent Pay.
An AI agent for you, your family and your community. Coming soon
Open your account with a Spanish IBAN today. Your agent is coming very soon.
What is an Agent Pay
An account that will soon have an artificial intelligence agent to help 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
Soon, your agent will recognise 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 will understand you, your family and your community — one language, one account, one agent.
Your personal agent.
Coming soon: your day-to-day, in a conversation. Your agent will learn how you spend, get ahead of your recurring payments, and move money for you when you ask.
Your shared agent.
An account for your people. Your agent will split the rent, divide the dinners, schedule each one's monthly contribution and alert you when something changes.
The community's agent.
An account with its own IBAN for your homeowners' community. Your agent will collect dues, execute the levies approved by the board, pay the plumber, and show every neighbour where each euro is.
The commitment
A simple promise: what you don't use doesn't cost you, and what you keep here is always at your disposal.
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.
Account
Soon, your agent will watch your balance in real time, flag what matters and execute whatever you decide. No waiting, no red tape.
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 about to arrive.
Agent Pay in action Preview · Coming soon
An urgent invoice, a transfer, splitting a dinner, scheduling your community fee. You'll talk to it like a friend. It will propose, you'll decide, it will execute.
No forms, no tabs, no in-between steps. What takes six clicks in another app, here is a conversation.
Balance, forecast, alerts. Your account, 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 account, under the same regulatory framework as always. The conversation is fast; the guarantees, those the law requires.
Regulation
Next Capital is registered with the Banco de España as an agent of SEFIDE E.D.E., S.L.U., an electronic money institution with registration no. 6705. Account, IBAN 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, we'll guide you through the next step.
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. The agent will be available very soon. In the meantime, you can already open your account.
No. And at the same time, we are something unique in the market: we are an agent. In the new reading, we will be your Agent Pay: we'll propose, speed up and execute for you; you'll decide. In the classic reading, we are a registered agent of SEFIDE E.D.E., S.L.U., an electronic money institution authorised by the Banco de España (registration no. 6705); we are registered as its agent with the Banco de España and we operate under its responsibility; 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.
The agent is coming very soon. Once it is available: 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.
Very soon. We'll let you know as soon as you can activate it. In the meantime, your account already works: Spanish IBAN, instant SEPA transfers and no fees.
With your valid ID and a selfie. Identity is verified in minutes. Once your account is active, you can receive and move money and, if you wish, invite your partner, your family or your community. Your card is coming very soon.
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 will soon do for you.