Interesting Ian -but is this a business account that they are giving special exception for and might not apply to a personal account that pays your personal and domestic bills. There does not sem to be a Paypoint type facility for the payment of domestic bills as in UK. So many people do only need to pay bills and don’t need a Spanish Bank account. I continue to use Barclays despite all the recent bad press. The branch I use have very good staff and are very helpful. They once notified me that they were introducing a charge but they only do charge me minimal amount for Direct Debits and cash withdrawn at ATM’s but still free at a branch over the counter. But I do keep some balance with them and I think they are intelligent at Barclays.But I can only say for the Branch I use in Canaries.