Cajamar wefferent account - Page 3

paulsav wrote on Wed Feb 2, 2022 11:43am:

Cajamar do not charge for withdrawals nor do they have a restricted monthly amount of withdrawal but do have a daily amount of €500 per card. Sabadell charge €35 quarterly not monthly btw. Thankfully left them 3 yrs ago. Best move ever. If you are paying workmen cash I didn't think Wise was r...

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...ight for us with their atm restriction. I use Wise for our £ transfers into Cajamar though, excellent service. 

Regards 

Pauline 

paulsav wrote on Wed Feb 2, 2022 11:43am:

Cajamar do not charge for withdrawals nor do they have a restricted monthly amount of withdrawal but do have a daily amount of €500 per card. Sabadell charge €35 quarterly not monthly btw. Thankfully left them 3 yrs ago. Best move ever. If you are paying workmen cash I didn't think Wise was r...

Read more...

...ight for us with their atm restriction. I use Wise for our £ transfers into Cajamar though, excellent service. 

Regards 

Pauline 

tonywallbank wrote on Wed Feb 2, 2022 10:26am:

I moved to Wise last year and had no problems and certainly no regrets, we both have Revolut & Monzo cards and although I think both now banks (I know monzo is) you can use them just to draw cash, if you are a couple that's €800 charge free withdrawals a month although all the Spanish banks...

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... now charge a withdrawal fee which varies, I've found Caixa cheapest at €1.95 per withdrawal,  I'm led to believe some foreign banks still free but you can only find them in the cities, whatever you do you'll find it hard to rack up €35 a month I was paying Sabadell 

VOYAGERE wrote on Wed Feb 2, 2022 8:46pm:

Thank you for your advice -I will definitely open a wefferent bank account with cajamar when I am there in March … and close la Caixa who are charging €35 quarterly brrrrr - the problem I have is that we have a joined account wit la Caixa and my husband cannot travel to close it due to illnes...

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...s … 

paulsav wrote on Wed Feb 2, 2022 10:36pm:

Hi, I, m not sure with joint account what you need to do. I, d recommend phoning them to see what proof you would need to provide. 

Regards 

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Pauline 

paulsav wrote on Wed Feb 2, 2022 11:43am:

Cajamar do not charge for withdrawals nor do they have a restricted monthly amount of withdrawal but do have a daily amount of €500 per card. Sabadell charge €35 quarterly not monthly btw. Thankfully left them 3 yrs ago. Best move ever. If you are paying workmen cash I didn't think Wise was r...

Read more...

...ight for us with their atm restriction. I use Wise for our £ transfers into Cajamar though, excellent service. 

Regards 

Pauline 

Angela001 wrote on Thu Feb 3, 2022 11:09am:

Hi Pauline, this is very helpful, we are with Sabadell and think that a Cajamar Wefferent account will suit us fine for the reason to avoid Sabadell quarterly fees. I will ask them to include a transfer service as you advise. I am also thinking of opening a Wise account for transfers as we usuall...

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...y use our Barclays account for this, so i would need to transfer to the Wise account from Barclays and then from Wise to Cajamar. Assuming you found Wise to have better rates than british banks? We are non residents so will need to open at a local branch in Spain hopefully a LA or San Javier branch. Currently Sabadell have a good easy to use mobile banking app, assume  Cajamar also have this? We are hoping to come over in March and can get this sortedThanks Again!

Angela

paulsav wrote on Thu Feb 3, 2022 11:50am:

Hi Angela

I use Wise to transfer when rate is good to Cajamar account. Yes you send your £,s from Uk bank to Wise account and they send on to Cajamar account. You have to go in branch to open, I believe they give you an ID no to enable you to apply online for the wefferrent account. This is a new process ...

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...others have told me about which we didn't go through, luckily the branch gestor opened it to use straightaway for us, even helping us to download on our phones, but now changed. Also as we were depositing our balance from Sabadell of over €2k we weren't asked for a joining deposit as it seems to be happening now. I,ve read they may ask approx €1k to be put into a special account but it's your money, no question of losing. Cajamar is a people's bank(bit like a credit union but with all services of an international bank). You become a member of the bank. Don't let this put you off as I, ve read some people have moved that deposit into their wefferrent account later and used it OK. As to transfer service (switch isn't a Spanish process) we took all our dad's references which although they said they, d contact the companies but may miss the next month, because we had closed Sabadell that day I contacted all companies myself. I used Google translate which was brilliant and all companies confirmed receipt and not 1 payment was missed. Make sure you ask for transfer service too as its not standard on basic account. Once you have the app on your phone on left side top is a menu and in that menu is a place to change language to English, then it's as easy to use as any banks app. Although I have read of a couple of people having their UK mobiles attached majority say they were told must have Spanish number. We have a "hits mobile" sim in a dual sim phone as they send notifications or codes if you are transferring money out(no difference to some UK banks). I have already written a detailed post "Free Spanish banking for non residents" please find it on this forum under banking location anywhere. 

Regards 

Pauline 

paulsav wrote on Thu Feb 3, 2022 11:50am:

Hi Angela

I use Wise to transfer when rate is good to Cajamar account. Yes you send your £,s from Uk bank to Wise account and they send on to Cajamar account. You have to go in branch to open, I believe they give you an ID no to enable you to apply online for the wefferrent account. This is a new process ...

Read more...

...others have told me about which we didn't go through, luckily the branch gestor opened it to use straightaway for us, even helping us to download on our phones, but now changed. Also as we were depositing our balance from Sabadell of over €2k we weren't asked for a joining deposit as it seems to be happening now. I,ve read they may ask approx €1k to be put into a special account but it's your money, no question of losing. Cajamar is a people's bank(bit like a credit union but with all services of an international bank). You become a member of the bank. Don't let this put you off as I, ve read some people have moved that deposit into their wefferrent account later and used it OK. As to transfer service (switch isn't a Spanish process) we took all our dad's references which although they said they, d contact the companies but may miss the next month, because we had closed Sabadell that day I contacted all companies myself. I used Google translate which was brilliant and all companies confirmed receipt and not 1 payment was missed. Make sure you ask for transfer service too as its not standard on basic account. Once you have the app on your phone on left side top is a menu and in that menu is a place to change language to English, then it's as easy to use as any banks app. Although I have read of a couple of people having their UK mobiles attached majority say they were told must have Spanish number. We have a "hits mobile" sim in a dual sim phone as they send notifications or codes if you are transferring money out(no difference to some UK banks). I have already written a detailed post "Free Spanish banking for non residents" please find it on this forum under banking location anywhere. 

Regards 

Pauline 

Jole wrote on Thu Feb 3, 2022 8:44pm:

We opened a Cajamar account a year ago with no problem and the office in Sucina transferred all of our direct debits and phoned/emailed companies as required. this included the government DD for the like IBA and car tax, etc.

I use the app on my UK mobile with no problems.