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Paying my bills without a Spanish bank account

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Posted: Tue Jan 8, 2019 3:38pm
14 replies306 views5 members subscribed

Sabadell are charging me too much I only have 4direct debits  and two annual ones can I arrange to pay these directly on line from the uk

Thanks

RayD

RayD

Very helpful member

Tue Jan 8, 2019 4:00pm

Posts: 921

Location: Catral

604 helpful posts

Posted: Tue Jan 8, 2019 4:00pm

Is that 4 DDs a month? If so, that's 50 a year with the other 2.

Not all organisations will accept DDs from foreign banks, but some will. However, you will pay an overseas transaction charge from a UK bank and the exchange rate will be bad. 50 transactions will be at least 75 quid at 1.50 each, but maybe more depending on your UK bank.

Bank charges in Spain are a fact of life if you are non-resident and it may be better to bite the bullet and stick with the Spanish bank. At least you know things won't go wrong, especially come brexit.

paulsav

paulsav

Helpful member

Wed Jan 9, 2019 2:56pm

Posts: 184

Location: Villena

98 helpful posts

Posted: Wed Jan 9, 2019 2:56pm

I too am with Sabadell and agree charges are exorbitant, so on investigation BBVA dont charge fees for nonresidents and you open and deal with it all online. I actually went into my local one last visit (in Uk at present) and spoke to manager(only English speaking person in bank) and he confirmed no charges but unlike Uk you have to rearrange your direct debits yourself(they dont "switch" like Uk). I,m awaiting next visit and will be doing it as you have to go close account in person. You can open a BBVA account, notify direct debits, fund with transfer from Sabadell or transferwise before closing Sabadell on a visit. I know others have got fee free accounts with other banks at a cost, ie. Take their insurances etc but BBVA have no stipulations. Check website for your local branch.Better to stick with a Spanish bank paying spanish companies.Good luck.

Pauline.

John56

John56

Very helpful member

Wed Jan 9, 2019 4:23pm

Posts: 879

Location: La Zenia

604 helpful posts

Posted: Wed Jan 9, 2019 4:23pm

For a Non Resident 30 Euros a quarter is a reasonable charge.

Pauline15

Thu Jan 10, 2019 8:06am

Posts: 174

48 helpful posts

Posted: Thu Jan 10, 2019 8:06am

Good morning Healther

Me and my husband have a joint account,if you can transfer 700€ a month you won't be charged anything for direct debits etc we are now permanent so don't have to pay the €30 only non residents

heather344

heather344

Original Poster

Thu Jan 10, 2019 2:48pm

Posts: 8

Location: Torrevieja

Posted: Thu Jan 10, 2019 2:48pm

Hi

Thanks for advice does your bank charge you for transferring money to your Spanish account or which way do you do that as that is the only plus with sabadell I have a standing order and transfer a fixed amount each month it is only to cover general bills as they charge you for taking out your own money even at their atm machines

Thanjs

John56

John56

Very helpful member

Thu Jan 10, 2019 3:07pm

Posts: 879

Location: La Zenia

604 helpful posts

Posted: Thu Jan 10, 2019 3:07pm

If you have a Sabadell account you are not charged for lifting money from their ATM´s.

Pauline15

Thu Jan 10, 2019 5:22pm

Posts: 174

48 helpful posts

Posted: Thu Jan 10, 2019 5:22pm

We don't get any charges to take cash out either. Maybe make an appointment to speak to customer service they are very helpful

MaryA72

Thu Jan 10, 2019 9:27pm

Posts: 18

Location: L'Alfàs del Pi

10 helpful posts

Posted: Thu Jan 10, 2019 9:27pm

If your with Sabadell and transfer €700 a month you can change the account to an expansion account.  I’m not resident and was advised by someone on another  forum.  It’s in the small print.  You do not have to be a resident to have an expansion account.  Contact them online and screenshot the conversation.  That’s what I did and got it changed over that day.  

heather344

heather344

Original Poster

Fri Jan 11, 2019 12:22am

Posts: 8

Location: Torrevieja

Posted: Fri Jan 11, 2019 12:22am

Clearly we have different account types as I have declined taking money from their atm using my sabadell card as they were going to charge me 1.50 I know one euro fifty is not a lot but it is mine for taking my own money out they previously got me to lodge my cash into my account and then charged me fir paying my non resident tax bill very unprofessional staff 

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