"Swallow" help, please - Page 2

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"Swallow" help, please - Page 2


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  #11 (permalink)  
Old 20th March 2019, 06:53 PM
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Very often banks with the same name but in different countries are not the same bank. I am pretty sure that even if they are the terms of service are very unlikely to be even similar !

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Old 20th March 2019, 08:45 PM
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Originally Posted by vix2000 View Post
Thank you thats all very informative. I doubt I will be lucky enough to be able to stay 3 months in one trip so I should be OK. Any recommendations for banks, or are they pretty much the same?
Santander Spain and uk are separate companies.

However they do have some benefits.

But opening account first. I opened a basic 123 account in January that has no charges as long as you pay in a set amount each month and have a couple of direct debits. BUT the manager who opened my account waived that as I explained that I would keep a minimum sum in the account and once we had purchased the flat I would put the direct debits. This account pays no interest.

All I needed were my last P60, passport and something with my home address on. Nothing else. I have however recieved at home a form to state that I am non resident.

The plus points of having a uk santander account and a Spanish one are.
1.Put money in your uk account and you can draw this out for free at any santander Spain branch or cash machine in euros for no charge and at a good rate.
2.The app for your phone is the same and mine has just updated to show both accounts and is now in English.
3. Most of the santander branches have someone who speaks good English. At least that's what the manager told me. Especially in the big cities and along the costas.

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Old 20th March 2019, 09:02 PM
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Talking of swallows (martins and swifts) our summer visitors haven't arrived yet and they are normally here on St Patrick's day. Has anybody else seen any?

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Old 20th March 2019, 10:53 PM
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Quote:
Originally Posted by Barriej View Post
Santander Spain and uk are separate companies.

However they do have some benefits.

But opening account first. I opened a basic 123 account in January that has no charges as long as you pay in a set amount each month and have a couple of direct debits. BUT the manager who opened my account waived that as I explained that I would keep a minimum sum in the account and once we had purchased the flat I would put the direct debits. This account pays no interest.

All I needed were my last P60, passport and something with my home address on. Nothing else. I have however recieved at home a form to state that I am non resident.

The plus points of having a uk santander account and a Spanish one are.
1.Put money in your uk account and you can draw this out for free at any santander Spain branch or cash machine in euros for no charge and at a good rate.
2.The app for your phone is the same and mine has just updated to show both accounts and is now in English.
3. Most of the santander branches have someone who speaks good English. At least that's what the manager told me. Especially in the big cities and along the costas.
Thank you BarrieJ, thats interesting. I'll look into that. I have the 123 account here.

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Old 21st March 2019, 10:55 AM
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When I opened an account with Caixa Bank they said it was only possible if i purchased something like one of their insurance policies or medical cover. Basically they wanted to sell me something and tie me in as a customer before they would let me open an account. These practices are illegal in the UK. This sales technique may have been exclusive to the branch i was using which i don't know. In the end my estate agent had a word with the lady in the bank and she opened the account for me without having to "buy" anything.

If this is common practice in Spanish banks, they may find themselves in trouble in a few years time like the UK banks did and have to pay back the money!

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Old 21st March 2019, 01:34 PM
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We opened our account with Caixa bank in Valencia last year. There were no such tie ins and the salesperson, with impeccable English, could not have been more helpful.
We actually went back the following week to buy insurance for our property.

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  #17 (permalink)  
Old 21st March 2019, 02:08 PM
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Quote:
Originally Posted by Chancerz View Post
When I opened an account with Caixa Bank they said it was only possible if i purchased something like one of their insurance policies or medical cover. Basically they wanted to sell me something and tie me in as a customer before they would let me open an account. These practices are illegal in the UK. This sales technique may have been exclusive to the branch i was using which i don't know. In the end my estate agent had a word with the lady in the bank and she opened the account for me without having to "buy" anything.

If this is common practice in Spanish banks, they may find themselves in trouble in a few years time like the UK banks did and have to pay back the money!
I believe that it is also technically illegal in Spain also, but thety get around it on a technicality.

I took a loan with Bankia in which I "had to" sign up to a payment protection insurance, but the insurance contract had no permanency nor cancellation charge, so as soon as I got the cash from the loan, I cancelled the insurance before I ever paid a premium.

Obviously, you need the check the contracts of the "add ons" carefully before following this strategy.

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Old 21st March 2019, 02:46 PM
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Originally Posted by baldilocks View Post
Talking of swallows (martins and swifts) our summer visitors haven't arrived yet and they are normally here on St Patrick's day. Has anybody else seen any?
Our housemartins arrived a month ago, and swallows within the last couple of weeks. Mind you we are very close to one of the main migration routes (Strait of Gibraltar). Haven't seen swifts yet.
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  #19 (permalink)  
Old 21st March 2019, 03:01 PM
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Originally Posted by Alcalaina View Post
Our housemartins arrived a month ago, and swallows within the last couple of weeks. Mind you we are very close to one of the main migration routes (Strait of Gibraltar). Haven't seen swifts yet.
I was wondering if the unseasonable warm weather confused them, but the last day or two have been quite chilly. If they want to do any house-building when they arrive, they will have difficulty since the lack of rain means that there is little mud to be had.

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Old 21st March 2019, 03:12 PM
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We noticed a nest on our property in Valencia. Does that mean when we get there in April it may be occupied?

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