There are banks that do not charge expenses for the account if the client is linked (domiciled a payroll, receipt or contracts additional products such as loans or insurance).
But what happens if for some reason the customer can no longer keep the domiciliation of the salary of it?
Unfortunately, “In many cases, the bank would stop boning the account and would go through commissions,” he warns from the financial comparator HelpmyCash.com.
For that reason, it is interesting to look at the supply of banks that do not charge commissions to their customers, even if they are not linked.
Since the comparator, three options available in Spain stand out: BBVA (only in the case of new customers), ING or N26.
BBVA charges commissions to non-linked customers, but there are exceptions.
Those who have contracted the online account without commissions, available only for new customers, do not pay.
All those of legal residents in Spain can open it, enter a payroll or not.
In addition to the gratuity of the service, BBVA offers another type of advantages, such as the possibility of withdrawing cash at the more than 6,000 cashies that has in Spain without paying commissions or using the Aqua Debit Aqua card, a plastic that offers a plus in security:
It does not have the printed data, so only the owner can access them through his app.
The CVV of the card is dynamic, so that online purchases will be safer.
ING does not charge commissions to customers who open their payroll account.
According to your tariff book, the Commission for maintenance of your accounts or cards is always zero;
The account requires compliance with requirements to access extra advantages, not to eliminate commissions, explain from HelpmyCash.com.
Domicicing a payroll, pension or provision of any amount or receiving transfers in the account for a minimum amount of 700 euros per month, Ing offers the free discovery service for two days and access to its Orange Shopping program, which includes discounts upon refueling
At Galp and Shell gas station or spending on fashion brands such as Springfield and Women’Secret.
In addition, it allows you to take out for free on more than 50,000 Spanish cashies.
Finally, it is N26, a 100% digital bank of German origin that already adds more than 730,000 customers in our country.
The N26 account with IBAN SPANISH is available for any customer of age resident in Spain, whether or not it has an income.
It does not have maintenance or administration commissions and offers a free associated virtual debit card, which allows you to withdraw cash at any cashier from the euro zone without cost up to three times a month.
If the physical version is requested, it is necessary to pay a single commission of 10 euros.
Unlike the previous ones, N26 is an alternative without commissions or requirements that highlights by offering advantages in the operation abroad.
For example, it offers the possibility of paying in another currency without commissions (banks usually apply charges of around 3%) or send money cheaper abroad in a currency other than the euro through the company specialized in international transfers
Wise, with which he collaborates to offer his service through his platform.