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Advice on internet banks

Posted: Sat May 7, 2022 11:28am
9 replies188 views5 members subscribed
Helen Jinks

Posts: 5

Location: Macisvenda

Joined: 16 Feb 2022

I’m not a resident but have a holiday home here. I am looking at different banking 

options as Sabadell charges are getting really expensive just to manage direct debits.

I’ve looked at Starling but am not sure that additional charges may be made by iberdrola to accept payments. I’ve heard about WISE and wanted to know if any other non residents use this bank to pay their direct debits or if anyone can recommend any others

Roland

Posted: Sat May 7, 2022 12:39pm

Roland

Legendary helpful member

Posts: 2829

2048 helpful points

Location: Camposol

Joined: 23 Feb 2018

Posted: Sat May 7, 2022 12:39pm

If you do a search using the facility at the top of this page for 'Banking' or 'Free Banking' you will find lots of information.

I have used Wise.com to pay all my DD for a number of years now.

Yu need to open a euro account.

If you want a Spanish bank look at the Cajamar Wefferent account, all done online & free to use unless you go into a branch when you will be charged.

Pam123

Posted: Sat May 7, 2022 3:06pm

Posts: 15

4 helpful points

Location: Hacienda Riquelme

Joined: 4 Feb 2022

Posted: Sat May 7, 2022 3:06pm

We use Wise

Barbara50

Posted: Sat May 7, 2022 10:41pm

Barbara50

Helpful member

Posts: 200

89 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Sat May 7, 2022 10:41pm

Helen Jinks wrote on Sat May 7, 2022 11:28am:

I’m not a resident but have a holiday home here. I am looking at different banking 

options as Sabadell charges are getting really expensive just to manage direct debits.

I’ve looked at Starling but am not sure that additional charges may be made by iberdrola to accept payments. I’ve heard about WISE and wanted to know if any other non residents use this bank to pay their direct debits or if anyone can recommend any others

Hi. We are non resident too and use Wise for direct debits but also load up a Starling account for the plane and other debit card transactions. I usually get my euros in the UK and bring those with me, but only a minimum amount as the Starling card works fine. Hope this helps. 

Helen Jinks

Posted: Sat May 7, 2022 11:30pm

Helen Jinks

Original Poster

Posts: 5

Location: Macisvenda

Joined: 16 Feb 2022

Posted: Sat May 7, 2022 11:30pm

Barbara50 wrote on Sat May 7, 2022 10:41pm:

Hi. We are non resident too and use Wise for direct debits but also load up a Starling account for the plane and other debit card transactions. I usually get my euros in the UK and bring those with me, but only a minimum amount as the Starling card works fine. Hope this helps. 

Thanks for that. I have loaded the Starling card and as you say much easier than carrying lots of cash about. I will look at Wise too. Was it easy enough to get the direct debits set up 

Barbara50

Posted: Sat May 7, 2022 11:46pm

Barbara50

Helpful member

Posts: 200

89 helpful points

Location: Mula

Joined: 22 Dec 2019

Posted: Sat May 7, 2022 11:46pm

Helen Jinks wrote on Sat May 7, 2022 11:30pm:

Thanks for that. I have loaded the Starling card and as you say much easier than carrying lots of cash about. I will look at Wise too. Was it easy enough to get the direct debits set up 

Hi, yes it's easy. The only one we had a problem with was the car tax paid to the ayuntamiento but to be honest, I think they were just being awkward!! 

Jan1961

Posted: Sun May 8, 2022 11:01am

Posts: 136

40 helpful points

Location: Sucina

Joined: 1 Jul 2017

Posted: Sun May 8, 2022 11:01am

We opened a Euro Wise Account in September it took a Good month to get Direct Debits switched over as if you rang the Companies if you didnt speak English they just hung up so had to find Email Address.Only one that hasnt yet been taken is Council Tax that's due in June I believe its should go through successfully as had correspondence to say bank details been changed but they were trying to say they couldnt accept Wise which they can as Wise accepts Sepa International payments.I have closed my Bank Sabadell over phone.

Helen Jinks

Posted: Sun May 8, 2022 7:23pm

Helen Jinks

Original Poster

Posts: 5

Location: Macisvenda

Joined: 16 Feb 2022

Posted: Sun May 8, 2022 7:23pm

Jan1961 wrote on Sun May 8, 2022 11:01am:

We opened a Euro Wise Account in September it took a Good month to get Direct Debits switched over as if you rang the Companies if you didnt speak English they just hung up so had to find Email Address.Only one that hasnt yet been taken is Council Tax that's due in June I believe its should go th...

...rough successfully as had correspondence to say bank details been changed but they were trying to say they couldnt accept Wise which they can as Wise accepts Sepa International payments.I have closed my Bank Sabadell over phone.

Thank you that’s really helpful

Mrsubby

Posted: Wed May 11, 2022 11:51am

Mrsubby

Helpful member

Posts: 138

94 helpful points

Location: Los Alcázares

Joined: 3 Jan 2020

Posted: Wed May 11, 2022 11:51am

Barbara50 wrote on Sat May 7, 2022 10:41pm:

Hi. We are non resident too and use Wise for direct debits but also load up a Starling account for the plane and other debit card transactions. I usually get my euros in the UK and bring those with me, but only a minimum amount as the Starling card works fine. Hope this helps. 

You will be better of changing your cash once over in Spain  as you will get a better exchange rate than UK.

Madge28

Posted: Wed May 11, 2022 8:19pm

Posts: 63

15 helpful points

Location: Camposol

Joined: 11 Apr 2018

Posted: Wed May 11, 2022 8:19pm

Jan1961 wrote on Sun May 8, 2022 11:01am:

We opened a Euro Wise Account in September it took a Good month to get Direct Debits switched over as if you rang the Companies if you didnt speak English they just hung up so had to find Email Address.Only one that hasnt yet been taken is Council Tax that's due in June I believe its should go th...

...rough successfully as had correspondence to say bank details been changed but they were trying to say they couldnt accept Wise which they can as Wise accepts Sepa International payments.I have closed my Bank Sabadell over phone.

Re IBI booked appointment by phone wont except you turning up.  Went this morning with my wise account details and NIE.  all changed paid annually by dd to my Wise account.  You need Wise to give you proof of your account details for setting up dd which they send via email attachment.  

The iberdrola and Aqualia I set up dds from the UK. 

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