Bank cheque

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This topic contains 6 replies, has 3 voices, and was last updated by Profile photo of Anonymous Anonymous 9 years, 9 months ago.

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  • #52688
    Profile photo of Anonymous
    Anonymous
    Participant

    I have recently opened my bank account in Spain by post from the UK. I now have all the info to transfer money but I have a simple question that is troubling me đŸ˜•
    Can I just turn up at the bank with the account details and withdraw a cheque to pay for my property or do they require notice?
    What proof of id may they need?
    Thanks
    Sally

  • #69759
    Profile photo of Anonymous
    Anonymous
    Participant

    Hi Sally.

    “Can I just turn up at the bank with the account details and withdraw a cheque to pay for my property”

    THIS IS A BIT CONFUSING: WHAT DO YOU MEAN WITHDRAW A CHEQUE ? DO YOU MEAN A BANK DRAFT ? IT CAN NORMALLY BE PREPARED WHILE YOU ARE IN THE BRANCH. OF COURSE ASSUMING THAT THE FUNDS THAT YOU HAVED TRANSFERED ARE IN YOUR ACCOUNT.

    IF, YOU MEAN TO TAKE CASH FOR THE PURCHASE ( NOT AN ADVISBLE)
    THAN YOU HAVE TO INFORM THE BRANCH BEFORE HAND AS THEY MIGHT NOT KEEP A LARGE AMOUNT OF CASH AT THE BRANCH FOR SECURTY/INSURANCE REASONS.

    “do they require notice? “

    SEE ABOVE.
    What proof of id may they need

    A PASSPORT. NI NUMBER OR IF IT IS YOUR FIRST ENCOUNTER WITH THE BANK STAFF, TAKE YOUR UTILTY BILLS ETC. OR ANY FORM OF DOCUMENTS WHICH HAS RUBBER STAMPS ETC.

    IN MY EXPERIENCE IN SPAIN THE BANKS DONT SPEND A LOT OF MONEY ON STAFF TRAINING AND MORE DOCUMENTS WITH ELABORATE SIGNATURES THE BANK STAFF SEAMS TO GET IMPRESSED WITH IT.

  • #69760
    Profile photo of Anonymous
    Anonymous
    Participant

    Thanks shakeel
    Yes I do mean a bank draft – no not thinking of carrying cash through Spain
    Will a uk utility bill be useful then as we don’t have Spanish ones yet obviously

    Thanks again

  • #69768
    Profile photo of Anonymous
    Anonymous
    Participant

    If you are requesting a Bankers draft, it should not be a problem. We cant the read the mind of the staff at the branches.

    I have had a bank refusing to accept/lodge a cheque to my bank account. (My bank was BBVA, cheque was issued by BBVA, the branch that I was trying to lodge my cheque was BBVA, around three miles from my branch. This was only being done as I was would not have got to my branch during the lunch/rush hour choas)

    Your, Uk utility bills may help, perhaps take a copy of the Uk banks receipt that shows the details of the originals funds transfered to your Spanish Bank from your Uk bank.

    I, take it that your bank draft will be made in favour of the person/Company from whom you are buying a property. Take the property purchase papers.

    I hope it helps

  • #69769
    Profile photo of Anonymous
    Anonymous
    Participant

    Thanks for that I didn’t really want to turn up next week and not be able to withdraw the money

  • #69770
    Profile photo of mariadecastro
    mariadecastro
    Participant

    A bank draft, a bank check also needs to be ordered some days ( at least once) in advance.

  • #69772
    Profile photo of Anonymous
    Anonymous
    Participant

    Hi Sally,
    Please take Maria’s advise. It just shows the inconsistency. I had a draft made on two different occassion with different bank, within half an hour of walking into the Branch.

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