La Caixa again. Their online banking in English is excellent, far better than Santander. I was also paying Santa double the fees that La Caixa charge. So Santa was sent packing.
The La Caixa app for mobiles (Android in my case) is 1st class. I never use the full site.
Finally, if you are 60 or more, the La Caixa debit card will have the RENFE logo on it. Paying for rail tickets with this card, or showing it if paying cash for local journeys (, obligatory) will result in a 40% discount.
As for FX, I have had excellent service and best rates with GCEN. You can do all your trades online or through your designated trader. Recommended