Free banking

em68 wrote on Wed Feb 8, 2023 5:20pm:

I know this has often been answered before but I can’t find the thread at the moment!  I currently bank with Cajamar using their Wefferent account and have now been told I can have a standard branch account without charge as I have all my U.K. pension going into the account every 4 weeks a...

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...t more than 1000€ per month.  But I am getting increasingly hacked off with the failings of Cajamar apps and online banking.  19 telephone calls to them over the last two days and one hour in the branch to solve some of the problems has done nothing to improve my temper!  Most of my Spanish banking is online but I may need to go into the branch from time to time to sort out problems.  

What recommendations are there for Spanish banks which work well online and do not charge fees if regular payments are made into the account?  Also how complicated/frustrating is it to change all the utility payments etc to the new bank - too many years in Spain mean that I have no real faith in the availability of easy non-bureaucratic systems!

shane19759 wrote on Wed Feb 8, 2023 7:59pm:

Try N26 online banking, no charges and no need for regular deposits, will also arrange change of DD and SO,

juanida wrote on Thu Feb 9, 2023 7:15pm:

We changed last year from Unicaja to Bankinter. If you have a monthly pension or the equivalent of minimum 800 euros a month you can have free online banking with the added advantage of branches in Vera, 2 in Almeria city and one in Roquetas if you need to talk face to face at any time. You can u...

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...se many more ATMs than a lot of online banks and without charge. We're very satisfied so far.

juanida wrote on Thu Feb 9, 2023 7:15pm:

We changed last year from Unicaja to Bankinter. If you have a monthly pension or the equivalent of minimum 800 euros a month you can have free online banking with the added advantage of branches in Vera, 2 in Almeria city and one in Roquetas if you need to talk face to face at any time. You can u...

Read more...

...se many more ATMs than a lot of online banks and without charge. We're very satisfied so far.

Biggles172 wrote on Wed Feb 15, 2023 5:40pm:

Dont touch Bankinter,they are a useless bank.I have been trying to access my accounts whilst away here in Dubai( I have just spent a week in a ICU in Dubai hospital).They have done everything they could possibly do to stop me accessing my own money....

em68 wrote on Wed Feb 8, 2023 5:20pm:

I know this has often been answered before but I can’t find the thread at the moment!  I currently bank with Cajamar using their Wefferent account and have now been told I can have a standard branch account without charge as I have all my U.K. pension going into the account every 4 weeks a...

Read more...

...t more than 1000€ per month.  But I am getting increasingly hacked off with the failings of Cajamar apps and online banking.  19 telephone calls to them over the last two days and one hour in the branch to solve some of the problems has done nothing to improve my temper!  Most of my Spanish banking is online but I may need to go into the branch from time to time to sort out problems.  

What recommendations are there for Spanish banks which work well online and do not charge fees if regular payments are made into the account?  Also how complicated/frustrating is it to change all the utility payments etc to the new bank - too many years in Spain mean that I have no real faith in the availability of easy non-bureaucratic systems!

DarioMartin wrote on Wed Feb 15, 2023 8:57pm:

I'll recommend Sabadell.  If you have money going in regularly, there are no charges.  I have been with them since 2016 and have paid no charges at all in all that time.

Their banking app is very very good and you can do just about everything with it.

Gill mr wrote on Thu Feb 16, 2023 9:29am:

I also recommend Sabadell after changing from Cajamar.Their online banking and app are very good and I have never had a problem with the app .Only downside is not so many branches if you do need to see face to face.