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Do I need a bank account in Spain?

If you own a home in Spain, a Spanish bank account is crucial to make mortgage payments and spend bills by direct debit. You will also be provided a debit card which you can use when shopping accompanied by a form of photographic thought, generally your passport or driving license if you are not resident. When shopping, you can use your UK debit and credit cards, once more with ID and you will be subject to exchange prices.

But I cant speak Spanish?

This isnt normally a dilemma especially along the Coasts where all banks employ English speaking employees.

What do I require to open an account?

To open a fundamental account (cuenta corriente) as a non-resident you should present your existing passport. The paperwork is done speedily

What varieties of banks are there?

There are two sorts of banks in Spain: saving banks (Caja de Ahorros) and typical banks.

What will I be charged for?

However, it appears like there are charges for everything from cashing cheques to receiving income from a UK account and there is also an annual maintenance charge.

How does the direct debit method function in Spain?

Bills such as electricity, water, telephone, insurance coverage etc can all be paid by direct debit. If you want to cancel a direct debit, you need to go to your branch in person and tell them to take away the company from your list of direct debits. The primary distinction is to set up a direct debit in the UK you need to fill in a kind which is authorised by your signature. In Spain, you basically hand somebody your account information and they can request the money from your account. As the account holder there is a time limit in which you can reclaim this funds, need to you want to. For this purpose, it is imperative that you acquire and check all your statements often.

Debit Card

Your card will take about ten days to arrive at your branch. When you pick it up you will be given your PIN quantity which you can alter at the cash machine.

Cash Points

Make positive that you use your banks cash point to steer clear of the higher rates of commission which are frequently as a lot as 10%.

Internet Banking is available for most banks in Spain, ask in your branch.

Principal Spanish Banks

Cajamar

www.cajamar.es

Unicaja

www.unicaja.es

La Caixa

www.lacaixa.es

Grupo Banco Popular

www.bancopopular.es

BBVA

www.grupobbva.com

Solbank

www.solbank.com

Santander Central Hispano

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