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Spanish bank charges

Posted: Wed Nov 16, 2022 5:17pm
24 replies1121 views9 members subscribed
geoffatmhg

Posts: 5

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Location: El Campello

Joined: 22 Aug 2019

I am fed up with the ever increasing Spanish bank charges and lack of service. Is there a way to open a Euro account in the UK that will service standing borders and direct debits.

Darro

Posted: Wed Nov 16, 2022 7:50pm

Darro

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Posted: Wed Nov 16, 2022 7:50pm

Although obliged by EU law still some Spanish companies refuse to accept DD's and SO's from non Spanish, but still EU banks.

I imagine their attitude toward non EU UK banks would be HARSHER so be careful what you wish for.

A Wise AC might be your best bet.

PeterPan

Posted: Wed Nov 16, 2022 8:15pm

PeterPan

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Location: Almoradí

Joined: 1 Aug 2020

Posted: Wed Nov 16, 2022 8:15pm

Wise.....https://wise.com/

Quite a few on the forum use these to pay their Spanish bills.

Wendyw

Posted: Thu Nov 17, 2022 3:00pm

Posts: 9

3 helpful points

Joined: 29 Apr 2022

Posted: Thu Nov 17, 2022 3:00pm

Wise works for all our dd.s.even works for car tax .as a dd

geoffatmhg

Posted: Thu Nov 17, 2022 4:50pm

geoffatmhg

Original Poster

Posts: 5

1 helpful points

Location: El Campello

Joined: 22 Aug 2019

Posted: Thu Nov 17, 2022 4:50pm

Wendyw wrote on Thu Nov 17, 2022 3:00pm:

Wise works for all our dd.s.even works for car tax .as a dd

So, are you saying that if I open a Wise account in Euros in the UK and advise all the relevant Spanish authorities to draw their charges by DD or standing orders on that account they will do so?  Thanks Geoff

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Wendyw

Posted: Thu Nov 17, 2022 7:22pm

Posts: 9

3 helpful points

Joined: 29 Apr 2022

Posted: Thu Nov 17, 2022 7:22pm

geoffatmhg wrote on Thu Nov 17, 2022 4:50pm:

So, are you saying that if I open a Wise account in Euros in the UK and advise all the relevant Spanish authorities to draw their charges by DD or standing orders on that account they will do so?  Thanks Geoff

Yes my account is registered  to my uk address..I've set up direct debits for iberdrola. Suma.agua acconia.and also the road tax for my car.wise has a E U iban number registered  in Belgium. None of the above questioned the account .just need to keep enough euros in the account to cover dds.and its free.

Eileen200

Posted: Sun Nov 20, 2022 10:02am

Eileen200

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Posts: 103

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Location: El Campello

Joined: 18 Mar 2019

Posted: Sun Nov 20, 2022 10:02am

geoffatmhg wrote on Wed Nov 16, 2022 5:17pm:

I am fed up with the ever increasing Spanish bank charges and lack of service. Is there a way to open a Euro account in the UK that will service standing borders and direct debits.

I bank free with Sabadell. You need the correct account so have to speak to them. To bank completely free ( no charges for bank cards either) you can't go overdrawn, pay in at least €700 a month and have their house insurance. I am happy with Sabadell. They have always been helpful to me at their branch in Campello. The branch opposite Lidl. I transfer my money over with Currencies Direct as when I sent the money over with NatWest I was charges €18 every time by Sabadell. Wrongly but they did ! 

tebo53

Posted: Sun Nov 20, 2022 10:43am

tebo53

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Posted: Sun Nov 20, 2022 10:43am

Eileen200 wrote on Sun Nov 20, 2022 10:02am:

I bank free with Sabadell. You need the correct account so have to speak to them. To bank completely free ( no charges for bank cards either) you can't go overdrawn, pay in at least €700 a month and have their house insurance. I am happy with Sabadell. They have always been helpful to me at the...

...ir branch in Campello. The branch opposite Lidl. I transfer my money over with Currencies Direct as when I sent the money over with NatWest I was charges €18 every time by Sabadell. Wrongly but they did ! 

I have completely free banking with Sabadell. I have my UK retirement pension and a couple of private pensions paid directly into the Sabadell account.  I don't have any other services from Sabadell, no insurance or loans.......

Steve 

Eileen200

Posted: Sun Nov 20, 2022 2:43pm

Eileen200

Helpful member

Posts: 103

68 helpful points

Location: El Campello

Joined: 18 Mar 2019

Posted: Sun Nov 20, 2022 2:43pm

I can only day "Lucky you !" It might depend on how many transactions go through your account or your bank balance. I've banked with Sabadell for 20 years. Free at first then they charged us. I went in to complain and they told us about this account. We had their insurance already and it's no problem to pay in €700 a month

Steveyjoanna

Posted: Mon Nov 21, 2022 9:21am

Steveyjoanna

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Posts: 181

188 helpful points

Location: Almoradí

Joined: 14 Sep 2019

Posted: Mon Nov 21, 2022 9:21am

geoffatmhg wrote on Wed Nov 16, 2022 5:17pm:

I am fed up with the ever increasing Spanish bank charges and lack of service. Is there a way to open a Euro account in the UK that will service standing borders and direct debits.

N26 ,been said before ,you get a Spanish account number ,cards etc,look online and follow the instructions .

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