Last Updated on March 18, 2026 by Bruno Bianchi
Question
Bank issues. I am told that some banks online like ING will charge 10€ monthly if you don’t have a monthly salary or survival government aid. So, if you don’t have regular money coming in they charge you 10€. I wonder if you know of any other Spanish banks that don’t charge you. Is enough trying to survive and trust your savings to a bank without having to be punished. Any opinions on this please guys.
Answers
These are the answers of some Facebook group members:
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Start the Moving to Spain Hub →“Caixa bank charges 20€ per month for the same reason but they have the imagin bank account free of charge (up till now). Which is their virtual type of bank account.”
“N26 is completely free. The same Openbank (Santander), BBVA Online.“
“Mediolanum is fantastic- no charges“
“Openbank is free of charge. I have been with them for 3 years now. And they have good customer service as well.“
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Explore Cities →“Try Transferwise, only get charged for sending. In some cases like receiving some foreign currencies you may get a small surcharge.”
“I believe this blog post may be helpful, check it out! https://spainguru.es/2021/09/11/alternatives-to-a-traditional-spanish-bank-account-and-money-transfer-services-account/”
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