la Caixa - going downhill fast
#16
why not pay it in via the atm - that's what I did when the bank was closed last year due to covid.
#17
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Joined: Aug 2009
Posts: 3,669
From: Costa Blanca











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.
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.
#18
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Joined: Jun 2011
Posts: 1,500











You'll have fun getting cash in and out of N26 or ING.
#19
Forum Regular




Joined: May 2017
Posts: 256

Can non-residents do Direct Debits from ING and N26?
#20
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Joined: Jun 2011
Posts: 1,500











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.
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.
#21
Account Closed
Joined: Dec 2020
Posts: 0











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.
UK bank.
#22
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Joined: May 2013
Posts: 613











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.
#23
Forum Regular




Joined: May 2017
Posts: 256

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
#24
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Joined: Nov 2003
Posts: 1,195
From: Cartama, Malaga











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)
#25
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Joined: Jun 2017
Posts: 1,130
From: Alicante











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!
#26
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Joined: Apr 2010
Posts: 2,143
From: London (mainly)/Oliva











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.
#27
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Joined: Jun 2017
Posts: 1,130
From: Alicante











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.
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.




