- February 10, 2015 at 9:05 pm #184868
I have used them and been very satisfied,but they are now in a transition following purchase of the Spanish unit by Caixabank. By May things will be fully clear but I expect the accounts which will then be with Caixa will be more expensive. I use my account only really to pay Iberdola and the Ayuntamiento for IBI Basura Domicile and Water. Do other people feel comfortable with Caixa or would suggest alternatives. Unfortunately simple bill paying services not as available as in UK`
- February 18, 2015 at 7:37 pm #184920
Ptr, I have a “Cuenta Cero” with La Caixa and it is basically free of commissions and fees so long as you avoid using branches, which is pretty easy with online banking and cashpoint machines. Should be fine for your needs. I think they are one of the best of a bad bunch.
- February 22, 2015 at 9:55 pm #184950
I asked about Cuento Cero when I called at Caixa on Thursday and was politely informed it was not currently being offered. I assume that having paid out for Barclays unit they are seeking maybe return on their investment. A Spanish man who enquired about a very basic account at Banco Popular and actually comes from Barcelona told me they required 30 euros every six months but the amount was reduced if regular income was paid in and Direct Debits set up.
- February 23, 2015 at 1:04 pm #184954
You are right Ptr. I was just in my La Caixa branch and enquired about the Cuenta Cero and was told it has been discontinued. Your only option is a standard account, but fees and commission are reduced with certain types of standing orders and regular payments.
There’s probably a better product on the market. ING Direct, for example. But it depends on your needs, and other factors like convenience.
- February 18, 2015 at 9:59 pm #184928
Thank-you Mark. By coincidence I was in Caixa this morning as its closer than getting a bus to Barclays. After two years I received a 7 day letter from the collectors of Movistar (Telefonica) for 27.10 euros not correctly due but I decided for such small amount I simply the best course is to just pay and never ever use them again !They told me that I probably would need to pay 48 euros a year with them but all sorted in May. However I ommitted to take my passport so will ask them about this when I pop in tomorrow.
- February 25, 2015 at 12:35 pm #184982
Looking in at Barclays website today Caixa are now offering CAIXA CUENTA NOMINA PREMIER. This is sin commissions but requires a running balance of 2500euros as the only condition but looks designed to attract Barclays customers. More than I keep as a running balance at present.However obviously we have a choice either you pay a bit for the account or keep some capital in and the amounts vary and subject to change.
- This reply was modified 2 years, 5 months ago by Ptr. Reason: Refinement
- February 23, 2015 at 10:03 pm #184961
Your mention of ING DIRECT interesting Mark – much appreciated as this bank has a branch in Las Palmas and there is a CUANTA NOMINA anda similar Cuanta Sin Nomina one I think requires you to keep 600 euros float.Looks as if can be operated on-line ok. ING is a Dutch bank but I think the Spanish unit is a Spanish entity ,like the Barclays unit was so gives no extra safety by reason of its parent being in a stronger part of the Eurozone.The website is all in Spanish with no English translation -I have learnt a bit but still need a dictionary! But its worth walking into a Branch and asking. Maybe they have English clients already.(www.ingdirect.es)
- February 26, 2015 at 10:09 am #184997
The interesting thing about ING Direct is they claim to offer commission-free banking with no strings attached. Might be worth checking out if you have a convenient local branch. I’m surprised they don’t offer their website in English. Most of the others do.
Do tell how you get on, and if you find a commission-free bank account in Spain.
- February 26, 2015 at 6:09 pm #184999
Exactly Ptr, Ing works great, and the cuenta sin nomina has cero costs.
Free making checks or making a check deposit.
Just mention for other that could be interested, they don´t allow anymore non residents accounts.
- This reply was modified 2 years, 5 months ago by Cristian Selected.
- February 26, 2015 at 9:31 pm #185003
Useful comment Christian – thanks because I file No Residente and limit to 182 days. Your information saves me and possibly others time if looking for a freebie. But they do have the two other accounts I mentioned that might not have this exclusion and maybe more suitable than the alternatives so will still be paying ING a visit !
- March 2, 2015 at 11:41 am #185075
Just one quick observation Christian. You can be no residente fiscally but have a property in Spain like me. is it ok to have sin nomina account provided you have a property in Spain that you need the account for paying bills and maybe keeping a bit of ready cash or is the meaning that you are required to be fiscally resident to have this account ? I have not been to branch yet as had some dental work done last week.
- This reply was modified 2 years, 4 months ago by Ptr. Reason: Amendment
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