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Free banking

Posted: Wed Nov 23, 2022 8:00pm
31 replies1054 views9 members subscribed
Kenlaw30

Posts: 3

2 helpful points

Location: Torrevieja

Joined: 24 Sep 2022

Can I get a Spanish bank account without having to supply a P60.Sabadell ask for one but I thought there might be easy ways to get an online bank without too much drama 

tebo53

Posted: Wed Nov 23, 2022 10:35pm

tebo53

Legendary helpful member

Posts: 4779

4962 helpful points

Location: Benidorm

Joined: 29 May 2018

Posted: Wed Nov 23, 2022 10:35pm

Try 

www.wise.com 

Steve 

Stevec2x

Posted: Thu Nov 24, 2022 11:04am

Stevec2x

Super helpful member

Posts: 1817

1040 helpful points

Location: Playa Flamenca

Joined: 23 Jan 2020

Posted: Thu Nov 24, 2022 11:04am

Hi 

Lots of people on this forum use Wise.com - me included. N26 https://n26.com/en-es/bank-account is also popular.

Cheers 

Steve 

Martyn1986

Posted: Mon Nov 28, 2022 8:18am

Martyn1986

Very helpful member

Posts: 1244

866 helpful points

Location: Villajoyosa

Joined: 23 Aug 2020

Posted: Mon Nov 28, 2022 8:18am

Imagine is good, its part of la Caixa so you the free cashpoints from them and can pay your bills via direct debit 

Martyn1986

Posted: Mon Nov 28, 2022 3:44pm

Martyn1986

Very helpful member

Posts: 1244

866 helpful points

Location: Villajoyosa

Joined: 23 Aug 2020

Posted: Mon Nov 28, 2022 3:44pm

This post that was quoted has been deleted.

Imagine, thats the name of the online bank, its part of the La Caixa group. I hate La Caixa and all Spanish banks but tbf on this they have got it right, just do it all online up and running and 100% free. 

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Martyn1986

Posted: Mon Nov 28, 2022 6:56pm

Martyn1986

Very helpful member

Posts: 1244

866 helpful points

Location: Villajoyosa

Joined: 23 Aug 2020

Posted: Mon Nov 28, 2022 6:56pm

This post that was quoted has been deleted.

I know nothing about Revolut

tebo53

Posted: Tue Dec 6, 2022 2:32pm

tebo53

Legendary helpful member

Posts: 4779

4962 helpful points

Location: Benidorm

Joined: 29 May 2018

Posted: Tue Dec 6, 2022 2:32pm

This post that was quoted has been deleted.

Yes, you can set up your utility direct debits with Wise.

Steve 

Stevec2x

Posted: Tue Dec 6, 2022 2:35pm

Stevec2x

Super helpful member

Posts: 1817

1040 helpful points

Location: Playa Flamenca

Joined: 23 Jan 2020

Posted: Tue Dec 6, 2022 2:35pm

This post that was quoted has been deleted.

Yes, although it seems to depend on which companies you are using. 

To explain, Wise euro accounts have a Belgian IBAN. EU law (I believe) says that these IBANs have to be respected across the EU, but some companies don't accept them until you nag them!

As a specific example, the Hidraqua website insists on a Spanish IBAN - but when I messaged them they accepted my Wise Belgian IBAN, no problem. My suspicion is that they had to accept non-Spanish IBANs on their payment systems to comply with the law, but forgot about the website (or didn't want to pay to change it).

By comparison, it was a simple matter to change my DD to Iberdrola Clientes.

Cheers 

Steve 

Stevec61

Posted: Thu Dec 8, 2022 9:24am

Stevec61

Super helpful member

Posts: 1430

1200 helpful points

Location: Playa Flamenca

Joined: 3 Jan 2016

Posted: Thu Dec 8, 2022 9:24am

This post that was quoted has been deleted.

As SteveC2x has stated, Hidraqua may be a difficult one to set up, I wasn’t able to do it online as the Belgian IBAN number was not being accepted. I ended up phoning them, spoke to a very helpfult English speaking advisor, who set it up over the phone without any problems 

YSL47

Posted: Sun Dec 11, 2022 11:38pm

Posts: 32

14 helpful points

Location: Gran Alacant

Joined: 2 Jul 2018

Posted: Sun Dec 11, 2022 11:38pm

Martyn1986 wrote on Mon Nov 28, 2022 3:44pm:

Imagine, thats the name of the online bank, its part of the La Caixa group. I hate La Caixa and all Spanish banks but tbf on this they have got it right, just do it all online up and running and 100% free. 

I’ve contacted my La Caixa branch about this Imagin account…….guess what…….only available to Spanish residents as you need a DNI. As a non-resident it’s not available to me!! Usual con merchants….still have to pay €35 a quarter.

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