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Do I need a account in Spain? 

In the event that you possess a house in Spain, a Spanish bank account is essential to pay bills by direct debit and make mortgage repayments. If you're not resident you will also be provided with a debit card which you may use when shopping with a form of photographic idea, usually your passport or driving license. When shopping, you may use your UK money and credit cards, again with ID and you'll be subject to exchange rates. 

But I cant speak Spanish? 

Where all banks use English speaking staff that isnt often a problem especially along the Coasts. 

What do I need to open a merchant account? 

To start a basic account (cuenta corriente) as a non-resident your current passport must be presented by you. The paperwork is completed easily 

What forms of banks is there? 

There are two types of banks in Spain: protecting banks (Caja de Ahorros) and regular banks. 

What will I be charged for? 

Unfortunately, it appears as though there are charges for everything from cashing cheques to receiving money from a UK consideration and there's also an annual maintenance cost. 

So how exactly does the direct debit program work in Spain? 

Costs such as energy, water, telephone, insurance and so forth can all be settled by direct debit. You need to visit your part face-to-face and tell them to remove the organization from your listing of direct debits, if you desire to stop a direct money. The key big difference is to create a primary money in the united kingdom you should complete a form that will be sanctioned by your signature. In Spain, you just hand your account details to someone and they are able to ask the cash from your own account. As the account owner there is an occasion limit by which this money can be reclaimed by you, should you need to. For this reason, it is imperative that you receive and always check all your statements regularly. 

Bank Card 

Your card will need about ten days to arrive at your department. When you pick it up you will get your PIN number which you can change at the cash machine. 

Income Points 

Make sure that you use your banks money indicate prevent the high rates of payment which are generally around 10%. 

Internet Banking is available for many banks in Spain, ask in your department. 

Major Spanish Banks 

Cajamar 

www.cajamar.es 

Unicaja 

www.unicaja.es 

Manhattan project Caixa 

www.lacaixa.es 

Grupo Banco Popular 

www.bancopopular.es 

BBVA 

www.grupobbva.com 

Solbank 

www.solbank.com 

Santander Central Hispano 

www.gruposantander.com [http://www.ppiclaimsuk.name/ ppi claims]