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Re: La Caixa Bank
Originally Posted by tommy.irene
(Post 10265767)
I dont want to put any pension into a bank here..if i kick the bucket my wife will go back to UK.. i only want to pay my phone + internet bill by derect debit.. as thats the way the phone company wants it..
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Re: La Caixa Bank
Originally Posted by Lynn R
(Post 10266591)
But if you were to kick the bucket, in whatever country, your wife would have to tell the DWP and start claiming a pension, or Income Support if she hadn't paid NI contributions to get a state pension in her own right, she couldn't just carry on receiving yours, could she? Otherwise she would be committing benefit fraud which I'm sure she wouldn't want to do.
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Re: La Caixa Bank
Originally Posted by tommy.irene
(Post 10266600)
As i said ..she would go back to the UK to live as we have family there.. So why does she need a spanish bank account..
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Re: La Caixa Bank
Originally Posted by Lynn R
(Post 10266616)
She doesn't - she would just tell the DWP to pay her pension into her UK bank account. If you asked the DWP to pay your pension into your Spanish bank account so that you could avoid Spanish bank charges, you could still leave your UK current account open with a minimal balance in it, so assuming it's a joint account your wife could ask the DWP to pay her pension into it if she returned there.
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Re: La Caixa Bank
Originally Posted by tommy.irene
(Post 10265221)
Went to the Bank.. La Caixa.. today and asked why they took 4.75€ out of my account on the first of each month and was told this is service charges.. so thats me paying them around €60 a year to keep my money..
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Re: La Caixa Bank
Originally Posted by lynnxa
(Post 10265283)
didn't you ask them if there was any way of avoiding these charges - such as regular deposits, perhaps of your pension, as I suggested?
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Re: La Caixa Bank
Sabadel/Solbank have an account called 'Expansion account'. If you have at least one pension paid into it you can get a 7% discount on all your direct debits. No charges to it that I can see.
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Re: La Caixa Bank
Originally Posted by jamiest
(Post 10270619)
Sabadel/Solbank have an account called 'Expansion account'. If you have at least one pension paid into it you can get a 7% discount on all your direct debits. No charges to it that I can see.
There is a limit by the way, they dont pay a percentage all the way through, there is a cap. Correct, there are no charges to the account |
Re: La Caixa Bank
Originally Posted by tommy.irene
(Post 10259077)
I read on here a couple of months ago.. the best bank for pensioners was La Caixa because they didnt charge fees... on the 1st of the last 3 months they have taken €4.75 services charge. I put in €100 and have paid my phone bill by direct depit.. is this normal as it looks like i will be paying just under €60 a year charges...
what he did was convert my current account to the "free for pensioners" account, which means I don't have to have a new set of logins and account no etc. I was advised that the UK retirement pension would have to come into the account every month and that any/all charges normally associated with running an account in Spain would no be made. This included cheque transactions, utility bill payment etc etc. He said many people opened the account and then transferred their pension to another bank just to get the current "freeby". Then find they are being charged and get upset about it. I have also noticed my local BBVA have a large advert in their window advising "Sin Comissiones para Pensionista" accounts |
Re: La Caixa Bank
Originally Posted by Mitzyboy
(Post 10270750)
ASee post 14.
There is a limit by the way, they dont pay a percentage all the way through, there is a cap. Correct, there are no charges to the account As non-pensioners, we still benefit from free banking by paying in lump sums occasionally. |
Re: La Caixa Bank
Originally Posted by Domino
(Post 10319428)
I have just been to my local branch to open an account for pensioners, although i have a general account.
what he did was convert my current account to the "free for pensioners" account, which means I don't have to have a new set of logins and account no etc. I was advised that the UK retirement pension would have to come into the account every month and that any/all charges normally associated with running an account in Spain would no be made. This included cheque transactions, utility bill payment etc etc. He said many people opened the account and then transferred their pension to another bank just to get the current "freeby". Then find they are being charged and get upset about it. I have also noticed my local BBVA have a large advert in their window advising "Sin Comissiones para Pensionista" accounts |
Re: La Caixa Bank
Originally Posted by megmet
(Post 10319880)
I shall be calling into my local branch just as soon as I can find the time, I already have two pensions paid into my account every month and have a large amount in my current account at all times....they have ripped me off for long enough and it's time they stopped charging me I think. :frown:
I forgot to say, the guy who I deal with said that if ever I should get charged for transactions to call in and see him and he would ensure it would be refunded and not happen again !! so go to it gal, they have rules and have to obey them if they have opened you into the right sort of account. |
Re: La Caixa Bank
Sorry if this is the wrong place to post this, but I am new to this site and don't know how to do a post..lol
I have just payed off my mortgage with laCaixa, and they told me the mortgage is paid off, but not canceled , this is in case I want to borrow money in the future. Has any one heard of that sort of thing before. Or is the bank doing something I should beware of.... :) |
Re: La Caixa Bank
This is quite normal - it's so that they can easily place a charge against your property.
If you don't want this option, then you need to pay (quite a lot) to have the mortgage cancelled and the escitura (deeds) updated at the notary. |
Re: La Caixa Bank
Thanks for the info.looks like I have nothing to worry about.:)
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