I would spread the risk in any country now. In Spain we only ever kept enough in the bank to cover Utility bills after hearing so many horror stories about problems. One friend whose salary was paid into her spanish bank went one day to find her account was frozen! An embargo had been placed on it for a plot of land she didn’t even own! It took months to sort out which left her to deal standing orders unpaid and her months salary plus balance frozen. At no point was she informed about this until she tried to get money out.
Renewals such as car insurance will be taken out without notification even if you aren’t going to renew!