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Cajamar wefferent account

Posted: Sat Jan 29, 2022 5:32pm
43 replies773 views7 members subscribed
VOYAGERE

Posts: 57

3 helpful points

Location: Los Alcázares

Joined: 6 Jul 2018

Hi I have seen I can open a cajamar wefferent online - as I don’t want to pay quarterly charges of €35 with la Caixa used to be Bankia 

Do I have to be in Spain to open the account or can do it from the Uk ? I have tried to do it online but they are asking for NI number ? I only have an NIE number - thank you  Malika 

tony r

Posted: Sat Jan 29, 2022 6:33pm

Posts: 64

22 helpful points

Location: Los Alcázares

Joined: 20 Oct 2021

Posted: Sat Jan 29, 2022 6:33pm

VOYAGERE wrote on Sat Jan 29, 2022 5:32pm:

Hi I have seen I can open a cajamar wefferent online - as I don’t want to pay quarterly charges of €35 with la Caixa used to be Bankia 

Do I have to be in Spain to open the account or can do it from the Uk ? I have tried to do it online but they are asking for NI number ? I only have an NIE number - thank you  Malika ...

...

yes confused its the N.E.I number that you need to open account   we did ours in Spain while we were looking around for a property hope this helps

VOYAGERE

Posted: Sat Jan 29, 2022 6:55pm

VOYAGERE

Original Poster

Posts: 57

3 helpful points

Location: Los Alcázares

Joined: 6 Jul 2018

Posted: Sat Jan 29, 2022 6:55pm

tony r wrote on Sat Jan 29, 2022 6:33pm:

yes confused its the N.E.I number that you need to open account   we did ours in Spain while we were looking around for a property hope this helps

Thank you for your swift reply … going there in March so I hope to close la caixa and open Cajamar - do you recommend them ? 

Roland

Posted: Sat Jan 29, 2022 8:14pm

Roland

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Posts: 2871

2073 helpful points

Location: Camposol

Joined: 23 Feb 2018

Posted: Sat Jan 29, 2022 8:14pm

Cajamar Wefferent account is used by many on this forum.

As a non resident you will have to go into a branch office to open an account.

Why not just open a Wise.com euro account & pay all your DD from that ??

VOYAGERE

Posted: Sat Jan 29, 2022 8:42pm

VOYAGERE

Original Poster

Posts: 57

3 helpful points

Location: Los Alcázares

Joined: 6 Jul 2018

Posted: Sat Jan 29, 2022 8:42pm

Roland wrote on Sat Jan 29, 2022 8:14pm:

Cajamar Wefferent account is used by many on this forum.

As a non resident you will have to go into a branch office to open an account.

Why not just open a Wise.com euro account & pay all your DD from that ??

Thank you for your reply -I am not sure which is best for me ? Can you pay your Spanish bills from Wise ? Will you have to go to Iberdola and Aqualia to set up the DD? I usually go to the Spanish bank and pay the wealth tax once a year as I do it myself … can you pay this from Wise and Cajamar online ? Thank you 

VOYAGERE

Posted: Sat Jan 29, 2022 8:43pm

VOYAGERE

Original Poster

Posts: 57

3 helpful points

Location: Los Alcázares

Joined: 6 Jul 2018

Posted: Sat Jan 29, 2022 8:43pm

VOYAGERE wrote on Sat Jan 29, 2022 8:42pm:

Thank you for your reply -I am not sure which is best for me ? Can you pay your Spanish bills from Wise ? Will you have to go to Iberdola and Aqualia to set up the DD? I usually go to the Spanish bank and pay the wealth tax once a year as I do it myself … can you pay this from Wise and Cajamar ...

...online ? Thank you 

What are the charges using Wise ? 

Roland

Posted: Sun Jan 30, 2022 10:11am

Roland

Legendary helpful member

Posts: 2871

2073 helpful points

Location: Camposol

Joined: 23 Feb 2018

Posted: Sun Jan 30, 2022 10:11am

VOYAGERE wrote on Sat Jan 29, 2022 8:42pm:

Thank you for your reply -I am not sure which is best for me ? Can you pay your Spanish bills from Wise ? Will you have to go to Iberdola and Aqualia to set up the DD? I usually go to the Spanish bank and pay the wealth tax once a year as I do it myself … can you pay this from Wise and Cajamar ...

...online ? Thank you 

Yes you can pay all your Spanish Direct Debits & any other bill using the Wise euro account.

You can change some of the utility direct debits online / some by email & some by going into the offices.

Some of the Spanish companies will tell you that you have to use a Spanish bank account or Spanish IBAN code.

This is absolutely wrong & is actually against the law.

Roland

Posted: Sun Jan 30, 2022 10:15am

Roland

Legendary helpful member

Posts: 2871

2073 helpful points

Location: Camposol

Joined: 23 Feb 2018

Posted: Sun Jan 30, 2022 10:15am

VOYAGERE wrote on Sat Jan 29, 2022 8:43pm:

What are the charges using Wise ? 

There are no charges for using Wise.com other than a very small charge when you convert GBP to Euro.

If you go to Wise.com website all the info is there.

You can see exactly what the charge will be for moving money.

Unlike some currency converters that require lots of personal info & a login just to see their rates.

The only snag with Wise.com is their debit card.

You can use it for purchases in all shops etc with no charge BUT if you try to withdraw euro's from an ATM the ATM machines will make a charge.

eduardo3332

Posted: Sun Jan 30, 2022 10:18am

eduardo3332

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Posts: 1060

765 helpful points

Joined: 21 Jan 2016

Posted: Sun Jan 30, 2022 10:18am

Roland wrote on Sat Jan 29, 2022 8:14pm:

Cajamar Wefferent account is used by many on this forum.

As a non resident you will have to go into a branch office to open an account.

Why not just open a Wise.com euro account & pay all your DD from that ??

Yes a wise account can be very useful for transferring money at an excellent rate, have used them since they first started.

However if you wish to make a withdrawal from an ATM you will be charged.

The Wefferent account is excellent, pay all your direct debits withdraw cash and have all the normal online banking functions at no cost.

alcar5

Posted: Sun Jan 30, 2022 7:45pm

Posts: 10

37 helpful points

Location: Los Alcázares

Joined: 28 Jul 2017

Posted: Sun Jan 30, 2022 7:45pm

eduardo3332 wrote on Sun Jan 30, 2022 10:18am:

Yes a wise account can be very useful for transferring money at an excellent rate, have used them since they first started.

However if you wish to make a withdrawal from an ATM you will be charged.

The Wefferent account is excellent, pay all your direct debits withdraw cash and have all the normal online banking functions at no cost.

I would just like to add that we too opened a wefferent online account , after being charged ridiculous money every month with Sabadel. NO charges whatsoever with the wefferent account  and no atm charges either . IF there is a slight niggle it is if you  are unable to complete an online transfer yourself and need help in the bank then a small charge is incurred for that . 

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