Banking

Do plenty of research before opening a Spanish bank account.

Once you have opened one it is difficult to close it.

Bank charges are horrendous in Spain even if you do not use the account !!

Use the search facility at the top of this page & search 'Banking' & Free Banking'.

There is lots of good information there.

You don't actually need a Spanish Bank account these days despite what the Spanish will tell you.

My advice would be to open a Wise.com euro account & use that for all your Spanish Direct Debits.

Excellent rates very very quick transfers & you get a debit card.

Yes good for direct debits etc but if you don't want to keep much cash in your pocket or at home you will be charged a fee every time you want to withdraw from am ATM

I have had a wise account for many years and a good exchange rate, but I pay into my Spanish bank where I pay no fees anyway as this was negotiated upon opening the account

I use Caxia (as long as 1k a month going in there its grand), then I just throw everything out between the Wise and N26 accounts and they are my day to day.

Never pay bills with a Spanish account if you can help it. If anything goes wrong (like a row with an electric company, or a joint account where a death has happened) its a complete nightmare and the Spanish can block your account.

Back ups within backups I say.

Well said and welcome to the forum