Am not a resident but spend almost 6 months in Spain can I send my state pension into my Spanish bank account and are there any charges - Page 2

"90 days in a rolling year "??? 🙄

Whilst it's true you can receive your pension direct to your Spanish account direct you will be asking DWP to do 4 changes per year(each 90 day period) and I, m pretty sure they wouldn't be happy doing that as its intended for permanent Spanish residents to receive their pensions for all future time. I also endorse the use of a currency company as their small charge is often compensated by a much better exchange rate and you also have choice of picking the best rate for the time. We have been doing the 90dayx2 visits since 2016 as first as a trial before Brexit and help with decision re residency. It's worked out best for us and I watch out for best rate times with Wise. I use them for transfers but unsure if you had a bank account with Wise whether you then get the transfer done free. 

Regards 

Pauline 

I have lived in Spain for some years and I also get my UK state pension paid into my Barclays UK account. I've used Wise for 7 years to transfer pension money to Sabadell Bank when the exchange rate is higher. Never had any problems and money is transferred in seconds. 

Steve 

Hi

We are not residents, but we are here for 80 days, we bank with Santander in UK, and they don’t  charge us transferring to our Spanish bank account, you could enquire if it helps. 

You would be better off having a Pound and Euro account with starling bank when you're in Spain you pay in euros when you're in England you pay in pounds

Mine is sent directly from the U.K. and it’s sent in euros without any charges As the U.K. pensions people exchange so much to be sent to Europe they get a good exchange rate

You have got a number of ways you can do it with most covered by other responders.

If you want better control of the rate transfer at and be able to hold multi currency in the same account try revolut. It allows to hold euros and Sterling plus spend without cost. 

And DWP transfer it at a very good rate!

I’ve been having my state pension sent to my account at Banco sabadell it’s free and a great rate, as I transfer more than 600 euros a month I get free banking 

Another vote for using ‘Wise’ by me. I’ve been using it for years to send money all over the world - you get virtually the interbank exchange rate and minimal fee to do so. 

Another option would be to get a Revolut debit card - again interbank rate and no fees.