GenToo

GenToo gives you an account, Visa debit card, instant SEPA transfers, and cash advance access up to €500 — all in one app. Open in minutes. No paperwork. No hassle.
This is your modern spending account for Spain, which offers a helping hand when you need it.
GenToo gives eligible users access to:
• Cash Advances
• regulated & secure e-money accounts
• Visa debit cards (physical, virtual, Google Pay)
• Your own European IBAN, ready to receive salaries
• Instant SEPA transfers & scheduled payments
• Real human phone & email customer support
• Ongoing Prizes & Giveaways*
Available for residents of Spain aged 18 and over.
Built for everyday spending
• Open your account directly from the app
• Manage your spending with real-time notifications
• Send, receive, withdraw, advance money - as you see fit
• Track transactions in one place
• Stay in control with advanced security features
Flexible access to funds
Life in Spain doesn’t always wait for payday. GenToo offers eligible users access to short-term cash advances designed to support responsible financial management and day-to-day flexibility.
• Access from €50 up to €500
• Transparent pricing
• Flexible repayments
• Subscription-based access, no other fees
• Easy repeat access without repeated applications
A secure debit card experience
• Pay online and in stores
• Use your card with Google Pay
• Freeze and unfreeze your card instantly
• Receive real-time spending notifications
• Manage your finances directly from your phone

Subscription Tiers
Gratuita — Free. Your everyday account. Visa debit card, European IBAN, and instant transfers. No monthly fee, no commitment.
Plus — €2.99/month. Everything in Gratuita, plus Cash Advance access up to €500 (delivered by cheque). Simple, affordable, and there when you need it.
Premium — €11.99/month. Everything in Gratuita, with significantly reduced fees on ATM withdrawals, transfers, and cards. Built for people who use their account heavily every month.
Premium Plus — €14.99/month. The full GenToo experience. Our lowest usage fees, plus instant Cash Advance access up to €500 — deposited instantly to your account.


Security and Compliance are our priority. We offer transparent, regulated financial services.
Payment and e-money services are provided by ConnectPay UAB, a licensed Electronic Money Institution regulated by the Bank of Lithuania.
Debit cards are issued by Wallester AS, a Payment Institution, authorised by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority), and an official Visa Principal Member.

Financial Disclosure
Cash advance amount: €50–€500
Repayment period: up to 30 days
Monthly subscription fee: €2.99
Representative TAE (APR): 19.55%
Representative example:
Receive €200 and repay €200 within 30 days. Monthly fee: €2.99. Representative TAE: 19.55%.

Important Information
GenToo provides financial technology services and cash advance access for eligible users in Spain only.
Access to services may depend on identity verification, eligibility criteria, risk assessment checks, and regulatory requirements.
GenToo promotes responsible financial usage and does not guarantee approval or access to financial products.
Account deletion and data deletion information is available within the app and through our public deletion policy page.
*Full “Promotions Terms & Conditions” can be found via https://www.gentoo.es/legal

Need help?
Customer support: soporte@gentoo.es
Data protection requests: dpd@gentooapp.com
GenToo
First Floor, Penrose 2, Penrose Dock, Cork, T23 YY09.