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Bank charges ??

Posted: Sun May 29, 2022 3:41pm
10 replies282 views7 members subscribed
Rob1970

Posts: 102

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Location: Villamartin

Joined: 10 Aug 2020

Hi there

I bank with bankinter and have had a payment taken for 36.30 euro for comision Gestión no residential ? Checking back on statements I havnt payed this before ? It’s not a standard bank charge so any ideas please ?

Regards rob  

Cheryl

Posted: Sun May 29, 2022 4:23pm

Cheryl

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Posted: Sun May 29, 2022 4:23pm

It's a charge for the maintenance of the account as a non-resident. Nearly all Spanish banks hammer non-residents.

tebo53

Posted: Sun May 29, 2022 4:49pm

tebo53

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Posted: Sun May 29, 2022 4:49pm

Cheryl is absolutely correct. You will probably get that amount taken on a quarterly basis. 

A lot of forum members are closing Spanish bank accounts and opening a Internet banking account. Many suggest using "Wise" Internet banking. I have been with Wise for years to transfer money from the UK to my Sabadell account in Spain. 

Many users pay all their Spanish direct debits through Wise.

www.wise.com 

Steve 

Rob1970

Posted: Sun May 29, 2022 6:34pm

Rob1970

Original Poster

Posts: 102

40 helpful points

Location: Villamartin

Joined: 10 Aug 2020

Posted: Sun May 29, 2022 6:34pm

tebo53 wrote on Sun May 29, 2022 4:49pm:

Cheryl is absolutely correct. You will probably get that amount taken on a quarterly basis. 

A lot of forum members are closing Spanish bank accounts and opening a Internet banking account. Many suggest using "Wise" Internet banking. I have been with Wise for years to transfer money from the UK to my Sabadell account in Spain. ...

...

Many users pay all their Spanish direct debits through Wise.

www.wise.com 

Steve 

Thanks for your replies 

I pay a charge to Bankinter on a quarterly but this is different ! Haven’t had this one in the 2 years I’ve been with them ?

I will contact them tomorrow.

Regards 

tebo53

Posted: Sun May 29, 2022 6:43pm

tebo53

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Posts: 4826

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Location: Benidorm

Joined: 29 May 2018

Posted: Sun May 29, 2022 6:43pm

Rob1970 wrote on Sun May 29, 2022 6:34pm:

Thanks for your replies 

I pay a charge to Bankinter on a quarterly but this is different ! Haven’t had this one in the 2 years I’ve been with them ?

I will contact them tomorrow.

Regards 

Even as a full resident, and I've been with Sabadell for 8 years, I still get charged a quarterly amount of €15.

Adding up to €60 per annum which I'm happy to pay as I've had good service and an excellent app where I can do all my monetary business with ease.

Steve 

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Kenbo

Posted: Mon May 30, 2022 7:02am

Kenbo

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Posted: Mon May 30, 2022 7:02am

Rob1970 wrote on Sun May 29, 2022 6:34pm:

Thanks for your replies 

I pay a charge to Bankinter on a quarterly but this is different ! Haven’t had this one in the 2 years I’ve been with them ?

I will contact them tomorrow.

Regards 

This could be the charge for the certificate of non residence, it is paid every two years.

Rob1970

Posted: Mon May 30, 2022 11:58am

Rob1970

Original Poster

Posts: 102

40 helpful points

Location: Villamartin

Joined: 10 Aug 2020

Posted: Mon May 30, 2022 11:58am

Kenbo wrote on Mon May 30, 2022 7:02am:

This could be the charge for the certificate of non residence, it is paid every two years.

Hi 

That makes sense thanks 

I currently pay 60 euros a year , 30 every 6 months but this is a different charge and one I haven’t been debited before ! 

Regards 

Rob1970

Posted: Mon May 30, 2022 12:07pm

Rob1970

Original Poster

Posts: 102

40 helpful points

Location: Villamartin

Joined: 10 Aug 2020

Posted: Mon May 30, 2022 12:07pm

Kenbo wrote on Mon May 30, 2022 7:02am:

This could be the charge for the certificate of non residence, it is paid every two years.

It’s the first time this payment has been taken since having the account so makes sense .

Was concerned this was taken without my say so but presume the bank takes this through their services etc

Thanks 

Kenbo

Posted: Mon May 30, 2022 12:33pm

Kenbo

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Location: La Florida

Joined: 6 Dec 2017

Posted: Mon May 30, 2022 12:33pm

Rob1970 wrote on Mon May 30, 2022 12:07pm:

It’s the first time this payment has been taken since having the account so makes sense .

Was concerned this was taken without my say so but presume the bank takes this through their services etc

Thanks 

Yes the non res cert has to be in place for your account to operate.

charliesdad

Posted: Mon May 30, 2022 3:56pm

charliesdad

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Posts: 151

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Location: Orihuela Costa

Joined: 27 Sep 2016

Posted: Mon May 30, 2022 3:56pm

Open up a Wise Bank online, most things apply,DDs etc avoid spanish banks if you can , they will rob you blind!!

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