Spanish utility bills paid from UK Bank.

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22 Jun 2019 11:32 by macsco Star rating in Fuengirola / BHX. 12 posts Send private message

Hello, I currently have a Bankinter Bank account used solely for loading with cash and paying out bills, insurance, electric, Community, Ayuntamiento etc. I am  a UK resident. Do not want or need cash withdrawals, card payments or the like.

Bankinter have recently upped their monthly maintenance fee, prompting me to look elsewhere.

All the Banks I see recommended either have hidden charges or require regular funds ie. pension etc. Not suitable.

I have found a UK online bank (Starling) that has an add on free Euro account that can send and receive euros to the EU with its own IBAN.

So the question is will the hacienda, Ayuntamiento and all accept a UK IBAN to take the money from?

I know I could send amounts to an entity, but I would require that they could 'claim' amounts in the same way it happens now. 

Is that possible?

Thanks in anticipation.

Mac

 





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22 Jun 2019 16:36 by johnmcmahon Star rating. 295 posts Send private message

are you sure UK banks euro accounts don't carry a charge ?

Cajamar offered free banking if you bought 1,000 euro shares...redeemable on demand...don't know if that offer is still on right enough





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22 Jun 2019 17:04 by macsco Star rating in Fuengirola / BHX. 12 posts Send private message

Thanks for the reply.

StarlingBank, free banking in the UK GBP, free euro account, free to receive and send.

Only charge will be 0.4% conversion fee from September 1st. But as they use interbank rate as the base that I can live with.

Will look at Cajamar but not really wanting to earn anything from shares even if it was one euro as  it complcates issues.





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22 Jun 2019 17:28 by macsco Star rating in Fuengirola / BHX. 12 posts Send private message

Thanks for the reply.

StarlingBank, free banking in the UK GBP, free euro account, free to receive and send.

Only charge will be 0.4% conversion fee (to load euro from GBP) from September 1st. But as they use interbank rate as the base that I can live with.

Will look at Cajamar but not really wanting to earn anything from shares even if it was one euro as  it complcates issues.





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23 Jun 2019 09:15 by Mickyfinn Star rating in Spain and France. 1824 posts Send private message

If the account is a Euro account in the SEPA payment system then the Iban should be accepted by the Ayuntamiento to collect payments. Not if it's a Sterling account however for obvious reasons. I use Monese both Euro and Sterling for interbank transactions.



_______________________
Time is the school in which we learn Time is the fire in which we burn. Delmore Schwartz.



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