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I am with Solbank in Roquetas but I need to change the account as I am going to live near los Gallardos. I have some concerns with Solbnk charges, especially re internet banking which I am currently discussing with them. Unless rerolved to my satisfaction I would wish to go elsewhere. Can anyone recommend good banks re:
1. Charges 2 On-line facilities in english. So far I tend to feel spanish banks seem to rip off their customers much more than those in England. Information and suggestions gratefully received.
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We have an account with Sol Bank but it is not cheap - I think it is bout 20 +Euros every quarter but will check with my husband tonight. We had no choice as it was our vendors bank and it was the cheapest option as we were charged from transferring the purchase price from our account into the vendors account at the same branch ( about 70 Euros which I understand is good ) . Sol bank issue you with a statement every time there is a transaction and this month there have been loads so from that point of view they are excellent. You have to Email them if you wish to carry out a transaction other than the standing orders. If you have a deposit account they will ' feed' monies from that account if there is not enough cash in your current account . The bank manager said that he would not dream of charging you money for an overdraft if there was money in a deposit account ( a bit like my Mum's bank mananger used to manage her account years ago ). So Spanish accounts have some advantages but so many disadvantages but what option do you have unless you bank in Gib and pay your bills by cash but Gib banks have hidden charges too. My sister- in - law does not have a Spanish bank account but she lives in GIb.
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We were with Cambank 2005-6 but their charges were unacceptable to us so we changed to Halifax ES http://www.halifax.es/halifaxing/halifax/halifax.asp?sec=halifax for these reasons....
NON RESIDENCY CERTIFICATE
Cambank charged us 17.43€ every two years (but as soon as we took a/c ) per person named on current a/c. Halifax ES do not make any charge.
MAINTENANCE CHARGES PER QUARTER
Cambank charged us 5.75€ a quarter. Halifax do not make any charge
DEBIT CARD CHARGE PER ANNUM
Cambank charged us 6€ Halifax charge 3€
We used to keep around 1,000€ in our Cambank a/c at any time so we thought the charges were unacceptable to us. Halifax only stipulate we keep 600€ generally in our basic current a/c.Going below this 600€ will incur a 18€ fee each 6 months.
We take cash out free of charge from SERVIRED ATMs.
We bank online with them & check anything we want & they also send us slips with details on when money's taken out.
We can email our Guardamar branch.
We can transfer money to our Halifax ES a/c from our UK Halifax a/c free of charge for any amount.
We opened Spanish Halifax ES a/c through the Halifax's European Dept in Halifax. Easy to do.
Just read all banks small print which people rarely do & you won't go too far wrong with Halifax ES.
This message was last edited by morerosado on 1/16/2008.
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I cant recommend Cam Bank highly enough. They stayed open after hours to help me out with doumentation needed for the notary. They set up my online bank account which is in ENGLISH and can be accessed like any UK bank account. No problems,no hassle and they even respond to branch emails almost by return.
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Thanks Janice. Guess Marbella, Fuengirola and (soon) Calahonda are near enough for me. I think the advantages of being able to manage my UK and Spanish accounts together outweighs (and negates?) the need for a different bank on my doorstep. i find the halifax online service excellent.
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This message was last edited by JeansSis on 5/17/2007.
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Thanks Janice,
Looks like Almoraldi will be our nearest ATM. Wil try and do most stuff via internet banking. If we get in a long queue in Guadamar - can we get a cuppa from your place!!!!
Cheers and thanks again
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Ellen & Jim
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This message was last edited by JeansSis on 5/17/2007.
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Hi Janice, Like everyone else - nice to read you again!!
You know the Costa Blanca area well?? We are purchasing property in a village - not too far from La Morada, close to Orihuela - is the Torrevieja branch of Halifax Espana the closest for us, or maybe even Guadamar.
Cheers
This message was last edited by ellemum on 3/13/2007.
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Ellen & Jim
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This message was last edited by JeansSis on 5/17/2007.
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Does anyone know if there is a Halifax in or around Elviria?
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Hi - Message for Smiley
Hi Smiley bit of advice pleasey weasy!! I noticed at the bottom of each of your post you have an email motgages.com address. Do you work for a bank? We are in the process of looking for mortgage agreements in prinicple. Bankinter seems to be a good one so far, do you know of this bank & are they good? One bank offered us a 30year interest free mortgage.... whats the point of that?
Thanks Smiley
Tina x
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www.galgosdelsol.es
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Hi,
I bank with Banco de valencia, when we first transferred money over for our house purchase 4 years ago, we were charged 0.5% commission, this was reduced to 0.2% after complaining and convincing them wewere going to bank with them.
Then when we sent money over for the deposit on our new house, no charges. however when we went to take the money out again they tried to charge us 0.5%, again this was negotiated down to 0.2% and this was for my neighbour picking up a counter check in the branch..
I checked this out with another bank, Caja Murcia and was told that any transaction above 12000 euros was classed as an international money movement so the charge was correct.
Think I've been ripped off twice now.
Ian
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Justin, you don't mention Banco Andalucia!!?? Is that a "no go" then? Or just one you haven't had any experience of?
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Many thanks for the info Justin. Do they speak English at Cajamar? My Spanish isn't quite up to scratch yet and would not like to make a stupid mistake with regard to my account!
Alan
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To Dare Is To Do
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If at first you don't succeed.......................
Got there in the end Justin
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Alan, here is my take on the banks in the area:
CajaMar - This is my main one. Not busy at all, really friendly people there, always remember you and online facility is decent enough. Definitely recommend them.
La Caixa- VERY busy all the time although online facility is ok. Too busy for my liking.
Unicaja - Branch in Sabi is VERY busy but there is an "International" branch near Mercadona which is for expats. Much quieter and they speak English there. Online facility decent enough.
Banca Santander - Recently opened, seems quiet enough (not too many queues) but don't know about their online facility.
Can't comment on any others.
My favourite is CajaMar as they are a really friendly and jokey bunch in there.
Justin This message was last edited by EOS Team on 3/5/2007.
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Schools in Spain Guide | The Expat Files | Learn Spanish | Earn a living in Spain
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Can anyone recommend a bank with online facilities in the Duquesa/Sabanillas area? It appears reading the posts here that a good bank is dependant on the branch/staff rather than company policy!
Alan
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To Dare Is To Do
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I bank with Bancaja in Benahavis. It's great. No charges at all when I receive money or when I send money.Neither if my account will be overdrawn. They just call or email to send money.
They have on-line banking where all the charges cshow the invoice as well.Eva, the manager is very helpful all the time. Also the staff:Ana.
Camelia This message was last edited by camelia43 on 2/10/2007.
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