Internet banking
Internet banking
Hi, got a three and a half page letter yesterday from our bank explaining why it is going to cost us over € 260 per year to use their services.....so after ten years of fairly expensive services we are thinking about Internet banking very very much cheaper,We are wondering how many people using Andalucia.com have Internet banking and are they happy with the service they get and are there any pitfalls? All we need are our Direct debits,couple of visa cards, and free cash withdrawals. Are we missing something in Internet banking. Thank you so much.
allgram.
allgram.
Re: Internet banking
What bank are you with? Seems they are all charging plenty now.
A friend is with Bankinter and is very satisfied.
A friend is with Bankinter and is very satisfied.
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Re: Internet banking
Hi
I am with La Caixa Bank. I have Internet Banking with them and they still charge me quarterly commission to use their service. Internet Banking is no cheaper than Branch Banking. You have to shop around to see who will give you the best deal in Spain.
David
I am with La Caixa Bank. I have Internet Banking with them and they still charge me quarterly commission to use their service. Internet Banking is no cheaper than Branch Banking. You have to shop around to see who will give you the best deal in Spain.
David
Re: Internet banking
Hi, we are with La Caixa, and companies like Revolut, N26, are so so much cheaper, we do use the La Caixa app but it's still going to cost us €260 + per annum.
allgram.
allgram.
- Terry Tibbs
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Re: Internet banking
I've been with ING Direct for about six years now and overall I am very happy with them. With their 'cuenta nomina' there is no charge to maintain the account provided you either have a regular salary/pension payment coming in, or maintain a minimum balance of (I think) 2000 €. They only have one branch in Malaga (on Avda de Andalucia), but I've only had to go there about 3 or 4 times, as pretty much everything can be done online or via phone banking. One downside used to be that for smaller cash withdrawals there were a limited number of ATMs that would give free withdrawals, but that's been solved now as they have teamed up with Euronet, who have a lot of ATMs in shop windows, etc.
And before anyone asks, no, I'm not on commission! Although having said that, I did get an email from them the other day, offering 50 € to both me and any 'friend' who wants to open a new account.
And before anyone asks, no, I'm not on commission! Although having said that, I did get an email from them the other day, offering 50 € to both me and any 'friend' who wants to open a new account.
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Re: Internet banking
I'm with Deutsche bank, providing I make three transactions per month there is no cost apart from the €30.00 per year for the none resident bank tax !
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- Andalucia Guru
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- Location: Co Durham/ Granada Province
Re: Internet banking
Hi, we have a non resident online account with Bankia which is in English as well as Spanish, the charges are 15 euros per quarter to maintain the account but it is not subject to maintaining a minimum balance or having to pay in a salary. We are not charged for direct debits and ATM cash withdrawals are free. The upside is you can find a Bankia ATM machine almost anywhere.
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- Andalucia.com Amigo
- Posts: 58
- Joined: Thu Mar 14, 2019 11:19 pm
- Location: Manchester & CDS
Re: Internet banking
I use Bankinter and also satisfied with service and especially so when in branch. Not free - a monthly 5 euro charge (had previously been 3.75 for years until an increase last year), 2 x 25 euro annual charge for debit cards and every couple of years a non-res charge (again I think 25 euro each). So averages about 135 euro per annum.
The local branch is fairly local to me but not sure how extensive the branch network is. I use the ATM at the branch as i'm never sure about charges for using non Bankinter ATMs. Years ago I took cash from a more convenient ATM whilst out and was charged - not something I was used to in the UK
Easy top up using internet banking, but for the amounts I usually transfer I get a better rate at exchange in Benalmadena then deposit at the branch.
The local branch is fairly local to me but not sure how extensive the branch network is. I use the ATM at the branch as i'm never sure about charges for using non Bankinter ATMs. Years ago I took cash from a more convenient ATM whilst out and was charged - not something I was used to in the UK
Easy top up using internet banking, but for the amounts I usually transfer I get a better rate at exchange in Benalmadena then deposit at the branch.
Re: Internet banking
We have the BBVA Online Account. We've had it for 5 or 6 years now and we've been very happy with it. It has no maintenance fees and no minimum balance or deposit requirements. The website can be set to English. And there is also a mobile app.
Re: Internet banking
+1 for BBVA, I have been using them for nearly 5 years, they have probably one of the best mobile apps and internet banking facilities.
I do pay for the account but it's affordable (€6 per month if I'm not mistaken).
I do pay for the account but it's affordable (€6 per month if I'm not mistaken).
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Re: Internet banking
Morning All
We use Santander, and they charge €3pcm for our joint current account. They have a good network of branches in our area, and have a dedicated English speaking helpline if needed, although it is rarely needed because the staff in our local branches are always keen to help. Their mobile and laptop App is as good as any App that we use for our UK banks. Recommnended by us.....
Stay Safe
We use Santander, and they charge €3pcm for our joint current account. They have a good network of branches in our area, and have a dedicated English speaking helpline if needed, although it is rarely needed because the staff in our local branches are always keen to help. Their mobile and laptop App is as good as any App that we use for our UK banks. Recommnended by us.....
Stay Safe
Re: Internet banking
We are with Sabadell, was Solbank when we signed up.
No charges whatsoever.
Online in the language of our choice and Android app, also in the language of our choice.
On the rare occasions, we need to go into our branch always been attended to in our own language.
Cheers
Gerry
No charges whatsoever.
Online in the language of our choice and Android app, also in the language of our choice.
On the rare occasions, we need to go into our branch always been attended to in our own language.
Cheers
Gerry
Gerry Harris
Re: Internet banking
Thank you everybody for your replies
allgram.
allgram.
Last edited by allgram on Fri Jun 19, 2020 12:57 pm, edited 1 time in total.
Re: Internet banking
what's with the big smileys
Gerry we're with Sabadell but they've just started charging 15€ a quarter now on our previously free account.
Gerry we're with Sabadell but they've just started charging 15€ a quarter now on our previously free account.
Re: Internet banking
Didn't plan on the big smilie...........
allgram.
allgram.
Re: Internet banking
Big smiles have been removed.
Re: Internet banking
Sabadell have several no fees accounts looking on their home page.
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Re: Internet banking
The Sabadell Expansion account did introduce a €15 per quarter charge from 24 December 2019 (first payment taken from accounts in March this year), but if you have a pension directly deposited (eg a UK state pension or occupational pension paid directly into your Expansion account) the charge is waived, likewise if you have a Sabadell insurance product or a sizeable investment account with them.
Re: Internet banking
Confirmed, I have a Sabadell Expansion account, my Company pittance is paid straight in, we have our UK Government pensions paid into our UK bank accounts and transfer as required. We do have a small savings account with them too.
What charges ?
What charges ?
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