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Do I need a Spanish bank account at all?

Posted: Mon Jun 29, 2020 8:57pm
5 replies164 views5 members subscribed
PAUL6666

Posts: 8

4 helpful points

Location: La Zenia

Joined: 30 Jan 2017

Hi folks, 

I live in Ireland but have an apartment in Spain for the last 4 years which we use solely for personal use. 

I set up a Bankia bank account in Spain for the purchase, but only really use it for the Suma, Home Insurance, electricity and water direct payments. Bankia have been charging €14 per month for account maintenance fees since February!!

These ridiculous costs make me question if I need an account in Spain at all?? If I lived there, then perhaps, but I typically spend only 4 - 5 weeks per year there. 

Is there any reason why the Suma and other payments can't be made from my Irish bank account?? 

Thanks, 

Paul

Kenbo

Posted: Tue Jun 30, 2020 8:41am

Kenbo

Helpful member

Posts: 207

137 helpful points

Location: La Florida

Joined: 6 Dec 2017

Posted: Tue Jun 30, 2020 8:41am

I am in the process of closing my Bankia account for the same reason but as I am in England I moved my direct debits to my Transferwise account but if your currency is the Euro then I don't see why you couldn't move your direct debits to that account.

I visited all the utilities personally in January and was going to close the Bankia account this month but that will have to wait a couple of months now.

Looking at your location you are probably at the same branch as me.

I emailed them to close the account but they want you in the branch personally or Power of attorney and yet there is a member of this forum who is at the Cabo Roig branch and they were more helpful and did this, all depends upon the individuals willingness to help...or not.

PAUL6666

Posted: Tue Jun 30, 2020 10:55am

PAUL6666

Original Poster

Posts: 8

4 helpful points

Location: La Zenia

Joined: 30 Jan 2017

Posted: Tue Jun 30, 2020 10:55am

Kenbo wrote on Tue Jun 30, 2020 8:41am:

I am in the process of closing my Bankia account for the same reason but as I am in England I moved my direct debits to my Transferwise account but if your currency is the Euro then I don't see why you couldn't move your direct debits to that account.

I visited all the utilities personally in January and was going to close the Bankia account this month but that will have to wait a couple of months now....

...

Looking at your location you are probably at the same branch as me.

I emailed them to close the account but they want you in the branch personally or Power of attorney and yet there is a member of this forum who is at the Cabo Roig branch and they were more helpful and did this, all depends upon the individuals willingness to help...or not.

Thanks Kenbo, that's helpful. Our branch is the one on the N332 between the LaZenia roundabout and the first Cabo roundabout. I will get onto the utilities to move the direct debits. 

Do I need to contact the town hall in Playa Flamenca to change the Suma? Thanks again. 

Kenbo

Posted: Tue Jun 30, 2020 11:13am

Kenbo

Helpful member

Posts: 207

137 helpful points

Location: La Florida

Joined: 6 Dec 2017

Posted: Tue Jun 30, 2020 11:13am

PAUL6666 wrote on Tue Jun 30, 2020 10:55am:

Thanks Kenbo, that's helpful. Our branch is the one on the N332 between the LaZenia roundabout and the first Cabo roundabout. I will get onto the utilities to move the direct debits. 

Do I need to contact the town hall in Playa Flamenca to change the Suma? Thanks again. 

Yes Paul, I visited Suma at the town hall, Hydraqua just across the street and Iberdrola on the motorway roundabout all in the one day. 

Community fees just a phone call.

Kimmy11

Posted: Tue Jun 30, 2020 4:39pm

Kimmy11

Legendary helpful member

Posts: 2774

3522 helpful points

Joined: 8 Aug 2017

Posted: Tue Jun 30, 2020 4:39pm

Hi Paul,

If your Irish bank account has an IBAN (International Bank Account Number) attached to it, then you could pay your Spanish utilities from that account.  Otherwise, check out the online banks with IBANs, such as Transferwise, N26 and Starling.

Kind regards,

Kim

Gilli99

Posted: Wed Jul 1, 2020 10:02am

Posts: 59

21 helpful points

Location: Villamartin

Joined: 24 Sep 2018

Posted: Wed Jul 1, 2020 10:02am

I have an Irish bank account and pay my utilities from it. Never had a Spanish bank. Works fine. 

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