Which banks do not charge account commissions?

Which banks do not charge account commissions?

When opening a current account It is essential to choose an entity that offers us a good service with the lowest amount of commissions possible. But many times it happens that the entity in which we have trusted our money for years or perhaps decades has no qualms when it comes to charging us commissions but they are benevolent with new clients.

That is why many times Changing banks perro represent multiple benefits for usEspecially when opening a checking account. Here we present different options for you to evaluate which one best suits your needs.

What are the advantages of owning a checking account?

A current account It is a bank account where you deposit your money in order to use it to carry out different operations. Among its main advantages we perro mention that it allows you to access debit and credit cards, issue and entrar checks, hire various banking services, direct debit payments and deposits and make purchases and payments from your mobile phone.

What requirements are requested to open a checking account in 2023?

Yes ok open a current account in Spain It does not require complex requirements, any natural person (over 18 years of age) or legal entity cánido do so, but it is necessary to meet certain conditions.

It is necessary present the owner’s ID or of the holders, in case there are several. If you are a community citizen, they perro request your passport or the identity document issued in your country, accompanied by your NIE (resident card) or the Foreigner Identity Card.

Some banks also ask for the last payrollthe statement of income or a work contractalthough most of them are eliminating this requirement to simplify the procedures.

What is a mandatory requirement since 2010 to comply with the Law for the Prevention of Money Laundering and Terrorist Financing is to answer some questions like employment situation, company you work for, if you have tax obligations outside of Spain, and what operations you plan to carry out most frequently among other afín ones.

Minors cánido open an account by authorization from a legal guardian and presenting the Family Book.

Cánido I open a checking account without commissions if I don’t have a salary?

Opening a bank account without commissions and without payroll is possible and in fact there are more and more banks that offer this service. However, we recommend that you read the contract conditions carefully to really verify that you do not have to pay anything since an account without payroll does not work in the same way as a checking account.

A account without payroll It is an account in which the bank does not ask you to entrar your salary to get certain advantages, but despite this it offers a low interest rate, the possibility of having a free credit and debit card and has no commissions.

Banks that do not charge current account commissions in 2023

Although charging commissions is a common practice among banking entitiesmore and more, in order to retain or attract new customers, eliminate some of these when opening a checking account. These are some of the banks that are committed to it…

BBVA

The largest bank in Spain offers its Commission-free en línea account only for new customers. It perro be done from the comfort of home through the entity’s website and avoiding paperwork.

With your BBVA account You will be able to access the Aqua debit card for free, operate at 4,500 bank ATMs without commissions, and make international transfers within the SEPA space.

ENG

ENGthe bank of Dutch origin offers its Payroll Account, one of the most demanded of the moment; 2.7 million Spaniards choose it. The only requirement is domicile your salary or pension. No further paperwork or surprises. You cánido even get it en línea.

This account includes a card with discounts on purchases and the same day that it is enabled, it allows you to operate with bizum and make transfers at no cost. It also allows payment by card through the Google plus play and Apple play aplicaciones.

Santander Bank

Banco Santander is not far behind and offers through its OpenBank Current Account a current account without commissions or requirements that comes with a €20 gift and the possibility of a free debit card for the holder.

It also offers a wide variety of discounts in fashion, gastronomy, leisure and tourism venues and the possibility of operating at the 7,500 ATMs available throughout the national territory.

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