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la Caixa - going downhill fast

la Caixa - going downhill fast

Old May 20th 2021, 7:35 am
  #16  
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Default Re: la Caixa - going downhill fast

Originally Posted by bfg69bug
Recently I have been recieving my nomina (wages) in cash. if im working the 0800.1600 shift, i cant pay it in till my day off - and it has to be a monday or a friday, 08.00-10.00 ... annoying is not the word.

why not pay it in via the atm - that's what I did when the bank was closed last year due to covid.
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Old May 20th 2021, 8:46 am
  #17  
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Default Re: la Caixa - going downhill fast

From Money Saver Spain - today's newsletter:-

Top banks in Spain
Clients have ranked their favorite banks in Spain, take a look at the list. Near the top, you can find ING and N26, and big names near the bottom include Banco Santander and CaixaBank.
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Old May 20th 2021, 9:59 am
  #18  
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Default Re: la Caixa - going downhill fast

You'll have fun getting cash in and out of N26 or ING.
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Old May 20th 2021, 9:59 am
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Default Re: la Caixa - going downhill fast

Can non-residents do Direct Debits from ING and N26?
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Old May 20th 2021, 12:09 pm
  #20  
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Default Re: la Caixa - going downhill fast

No reason why not once you've got your account open, but to open your account with ING and N26 (Spanish IBAN account) you need to be a resident in Spain with a working Spanish mobile number.

Later on they send out bank cards through the post to a Spanish address and every so often they may ask you to send them a scan of your latest passport/residency card.

Eventually you will have to renew your residency card as the banks won't accept ones which have expired.
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Old May 20th 2021, 12:22 pm
  #21  
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Default Re: la Caixa - going downhill fast

I don’t mind La caixa. I just email one of the staff In my branch if I need anything like cash or what ever and he has everything ready for me when I get there. Better service than my
UK bank.
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Old May 20th 2021, 2:53 pm
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Default Re: la Caixa - going downhill fast

La Caixa are making around 8000 people redundant this year. I think maybe another 9000 will be made redundant by the other banks. Since the 2010 crisis about 73,000 people have been made redundant in the banking sector overall. Most of them have had rather nice payoffs so I'm not shedding a tear for them, However I can see the banks tightening their belts further in the coming years. We ended up with La Caixa as they took over our Barclays account in Spain, but we're thinking of switching to ING. My wife recently asked for a debit card from La Caixa and they refused, only offering credit cards instead.
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Old May 21st 2021, 12:07 am
  #23  
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Default Re: la Caixa - going downhill fast

Yes, I had to accept a credit card last year and they charge about £30 a year for just having a card. Since about October last year they have been charging me £34 per month for just having a non-resident account which I need for my Direct Debits. Because of Covid I have not been able to get over. Also I had a £20 pm house insurance with them. Now it has gone up to £34 per month without notice and they took it off twice last month which was over £100 in a month to them before my other DDs. I have emailed a couple of times with no response. So just having to put up with it. Can't wait to get over to explore other bank options
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Old May 21st 2021, 7:08 am
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Default Re: la Caixa - going downhill fast

Originally Posted by snikpoh
why not pay it in via the atm - that's what I did when the bank was closed last year due to covid.
my nomina needs to show on the banking system as 'nomina', not as 'ingreso' - i have to take my nomina and the cash, then they scan the nomina, and take the cash as a deposit.

we are looking for a mortgage so i want every nomina to show properly in case we dont stay with our normal bank (maybe we get a better offer at an online bank etc)
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Old May 21st 2021, 9:03 am
  #25  
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Default Re: la Caixa - going downhill fast

Originally Posted by Stingychips
I don’t mind La caixa. I just email one of the staff In my branch if I need anything like cash or what ever and he has everything ready for me when I get there. Better service than my UK bank.
Same here, couldn't be happier with them.

A vastly more personal service from Caxia than you'll get from ANY UK bank, last time I had anything remotely similar was back in the 80's!


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Old May 21st 2021, 11:46 am
  #26  
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Default Re: la Caixa - going downhill fast

For the amount they charge they should give you a good service. I tried to transfer via their app some money to local business but couldn't make a successful transaction. Gave up and used my Wise account instead. Took seconds and cost peanuts.
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Old May 21st 2021, 1:23 pm
  #27  
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Default Re: la Caixa - going downhill fast

I haven't paid a single cent in charges in 3 years.

About 18 months ago I was 'encouraged' to open a savings A/C which I did transferring a regular monthly amount equivalent to my rent into it but 6 months later I draw it all out to pay that then start the cycle all over again.

It's no hardship at all as before the money would just sit in my current A/C making nothing, in the Savings A/C - so far at least - it's always made something so it's a bonus.
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