Banking - Page 6

So by your logic someone who LIVES permanently in France should have the same tax and banking rules there as someone who lives in the UK or Spain?

Just because you,re a resident doesnt make you any better than me, what a pompous attitude. You are not as important as you think you are nor am I less important. We are all equals in the eyes of God and he,s thinking why does this idiot think he,s entitled to consider a non resident is not his equal. You are lucky to live in a country where born and bred Spaniards have accepted you as an equal or is that your problem.? Maybe as an expat resident you have been met with the same 2nd class citizen attitude from true resident Spaniards that you feel you have to pass it on to non residents. Shame on you!! You were a non resident until you received your residency at a time to suit you, well ditto, the time isn't right for us non residents yet either. As to the experiences you mention which you too participate in, we are teatotal, non public transport users, 80kms inland not near a beach, so you,re right not to aim that at us but what that has to do with being resident or non resident has nothing to do with anything. Why on earth do you feel so superior as a resident? Did someone tell you on receiving residencia you were now in a superior position? It all comes at a price and we all pay our fair share towards the countries revenue.

This thread has gone away from the original posting and now you and RayD have had your opportunity at taking your usual nasty snipes at non residents, please leave this thread so other non residents can contribute to the original posters question as you have nothing to offer on the subject. As residents you are not even entitled to add any positive information on the topic which was aimed at other non residents.

Pauline.

I think people should be treated equally. I have no idea what the laws are in France only Spain and UK. But I do know Spain has been made to change their rules for descrimination of non residents. An equal service should have equal charges not discriminate charges

I didn't say I was better than you. What I said was being resident in a country brings differences to being non resident.

I think your rant speaks for itself. Maybe God will pay your banking fees?

RayD, I can accept there are privileges that come with whatever status you have, ie.citizenship, resident and non resident, but as far as banking is concerned, I can not accept there should be any differrences between the status quo in this matter in any country. Money is the same from whatever source and transactions of similar nature should be charged equally regardless of status. The situation could become even worse if and when the Uk leaves the EU for non residents who will no longer be allowed to claim security under EU rules but as we are still in the EU and have been for many years we should not have been discriminated against in this application. As Jadeash has said, non residents have to pay taxes on their Spanish property which is often above the average IBI they have to also pay which a resident doesn't pay also discriminatory but we have to accept it, yet Uk does not have such a tax so it,s not all bad for 2nd home owners non resident in Uk. I dont expect all countries to be identical in their ways nor a free bank account just cos its free in Uk but why should I pay more than you to bring my money and spend in this country.(please dont say it's cos you're a resident !)

Pauline.

We are talking about a business . We are all putting money in a bank which they make a profit on. All money is the same whoever it is. I just don't agree anyone has to pay bank charges like these to be honest. Even residents will have to pay 1000 euro a month into Sabadell now or they will have to pay bank charges. It's just the way Spanish banks operate. As far as benefits in Britain . I know people that bring their kids from England for 15 years pay nothing into the system and then send them back.for Thier university education and can claim student loans so it would seem that you have just got the short end of the stick for some reason. 

I agree with you Jadeash, money is money from any source and Sabadells charges are unreasonable for non residents. After months of research I,m happy now to have found an online account with Cajamar which lists all their charges as 0€ with an exception of just 5€mnth if I transact something in person in a branch. However, its taken months of researching, I have explored every bank recommended by people but found they were recommending as a resident or the banks conditions were too great to result in a fee free account. My only reservation is the app doesnt offer a language change but I,m confident I can understand it and I shouldnt have expected that anyway. I was interrested in your earlier comments regarding possible Spanish government changes and having to discriminate less to non residents. Do you mean there's a chance our non resident taxes are to be abolished?

Regards

Pauline.

Hi when you sold your property in the past you are charged more tax on sale as a non resident but now you are charged the same as a resident .

RayD, I see how the problems you have had in Uk as Spanish residents have made you more defensive towards Spanish banks. I have already discussed this with my Uk bank who stated I could keep my accounts if we become Spanish residents even though the time is a long way off(if ever). I think before making a move perhaps you needed to do more research perhaps changing banks before gaining residency as there are banks that will allow you to hold on to an account you already had, but I know you cant open a new account. I have also read on here that NHS does allow the use of service to Spanish residents if originally Uk residents(unsure if this is for pensioners only though). I,m not expecting Spain to have similar conditions as Uk and vice versa, but my grumble was like the original poster, I felt non resident Sabadell customer charges were too high and could be bettered (even if its taken me several months on and off to find it.) 

Regards

Pauline

I'm with Sabadell. I have the Key account plus. I'm from Ireland, and my banking at home is 'free.' I'm non-resident.  I baulked a little at the level of the charges Sabadell charge, but it has been difficult to find a Spanish bank that doesn't charge. I had attempted to get the BBVA online free account, but came a-cropper when trying to upload and verify my NIE and my passport.  The last I heard from them was a call to my Spanish mobile, which ended abruptly when I asked if the agent could speak English. <0)   I was tempted to call into BBVA in Torrevieja, but I get the sense that English is a problem in the branches. Anyhow, apart from the charges with Sabadell, I'm very happy with the service and the website in English.  I have reluctantly concluded there's no easy way around the charges.  I suspect we have been a little spoilt in IRL and the UK with free banking - in the end ya gets what ya pays for. I'll keep an eye on offers tho. It pays to keep these bankers hungry.