Hi guys, i'm new here apologies for a boring first thread!

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Hi guys, i'm new here apologies for a boring first thread!


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Old 14th July 2009, 02:20 PM
 
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Default Hi guys, i'm new here apologies for a boring first thread!

Firstly, hi everyone and i'm so glad I found this forum since it has helped me with a few queries already but as always... there are still a few things I need help with!

I'm moving to Barcelona mid-August for a new start with a friend of mine who has left his job in the city (I'm a web developer so I can work pretty much anywhere which has the internet luckily!). I've been learning spanish for a while now and i'm almost fluent but my first question is... is it advisable to learn Catalan as well and is there much difference between Spanish and catalan?

Secondly, I'm a bit confused by the bank account situation... I keep reading different things.

1. Can you open a spanish bank account from England?
2. Which spanish banks would you recommend? (I only want a basic one to pay the bills etc since I already have a job which pays into my english bank account)
3. What do you need to open a spanish bank account and how long does it take?
4. Do you need a spanish bank account at all? If you have a VISA debit card from an english bank can you just get away with paying everything (shopping, restaurants etc) with that card? I don't need to pay rent from spanish bank account as I've agreed to pay upfront for a 6 month contract.
5. Is it worth getting a resident account or can you just get away with having a non-resident account?

Finally, and i'm sure you are all bored of this by now, but NEI! I'm planning to take up permanent residence there so what things do I need to get... just the NEI? Can I apply for the NEI/residence permit from England?

I have a few more queries (cars and important stuff like football teams!) but thats enough for now I think! Any advice would be greatly appreciated!

Cheers

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Old 14th July 2009, 02:25 PM
 
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Quote:
Originally Posted by Plym View Post
Firstly, hi everyone and i'm so glad I found this forum since it has helped me with a few queries already but as always... there are still a few things I need help with!

I'm moving to Barcelona mid-August for a new start with a friend of mine who has left his job in the city (I'm a web developer so I can work pretty much anywhere which has the internet luckily!). I've been learning spanish for a while now and i'm almost fluent but my first question is... is it advisable to learn Catalan as well and is there much difference between Spanish and catalan?

Secondly, I'm a bit confused by the bank account situation... I keep reading different things.

1. Can you open a spanish bank account from England?
2. Which spanish banks would you recommend? (I only want a basic one to pay the bills etc since I already have a job which pays into my english bank account)
3. What do you need to open a spanish bank account and how long does it take?
4. Do you need a spanish bank account at all? If you have a VISA debit card from an english bank can you just get away with paying everything (shopping, restaurants etc) with that card? I don't need to pay rent from spanish bank account as I've agreed to pay upfront for a 6 month contract.
5. Is it worth getting a resident account or can you just get away with having a non-resident account?

Finally, and i'm sure you are all bored of this by now, but NEI! I'm planning to take up permanent residence there so what things do I need to get... just the NEI? Can I apply for the NEI/residence permit from England?

I have a few more queries (cars and important stuff like football teams!) but thats enough for now I think! Any advice would be greatly appreciated!

Cheers
Hi Plym ... welcome to the forum! ... and dont worry we dont get bored! (not too often anyway!!!)

Im at work at the moment and just about to have a well deserved lunch break! will come back to you later on some of the queries ..... but no doubt by then you will have had many more replies!

Sue

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Old 14th July 2009, 02:35 PM
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Hi and welcome. Unfortunately, I´m just on my way out and cant properly answer your post, in fact I´m not the sharpest tool in the box anyway LOL
But for now.....

You will need a spanish bank account to be able to rent out here. If youre planning to work from spain then you must pay your taxes etc through Spain and wil therefore need a bank account and an NIE number, funnily enough I was talking to DWP in spain this morning and thats what he told me. Wherever the work or money comes from, if you´re physically doing it in Spain then it Spain who gets the taxes. Its called Autonomo if you wanna have a google

I dont know about other banks, but I do know that there is a "sol bank" in London where you can open an account.

Once you live here you must have a resident account, you can change it when you´re here, but if you dont the Guardia come a looking for you LOL (not a big deal, but it happened to us cos we forgot)

I´ll stop now, cos I need to think properly about the rest of your questions, feel free to ask more tho, we dont mind, we learn stuff too??!!!! and I´m sure they´ll be others along to help you shortly


Jo xxxx

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Old 14th July 2009, 04:24 PM
 
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Quote:
Originally Posted by Plym View Post
Firstly, hi everyone and i'm so glad I found this forum since it has helped me with a few queries already but as always... there are still a few things I need help with!

I'm moving to Barcelona mid-August for a new start with a friend of mine who has left his job in the city (I'm a web developer so I can work pretty much anywhere which has the internet luckily!). I've been learning spanish for a while now and i'm almost fluent but my first question is... is it advisable to learn Catalan as well and is there much difference between Spanish and catalan?

Secondly, I'm a bit confused by the bank account situation... I keep reading different things.

1. Can you open a spanish bank account from England?
I wasnt aware you could do this in the UK but Jo has answered for you ... but Im sure you would need some Spanish address / ID in order to do so.

2. Which spanish banks would you recommend? (I only want a basic one to pay the bills etc since I already have a job which pays into my english bank account)

I suppose most of us would recommend the one we use! or currently have! difficult question to answer ... there are plenty to choose from and most have online facilities/banking - also you can read up on their websites about their services / charges etc .... Im with Duetsche Bank here in Spain and they have been brilliant for me .... but maybe others dont like them! lol
3. What do you need to open a spanish bank account and how long does it take?

When I opened mine I needed NIE, Passport, Proof of Address (Spanish address) and it was done in half an hour .... oH I had to pay in a minimum of 50 euros to open the account ....
Worth noting that cheques dont reallt work here in spain ! they are a bit of an oddity - I wasnt even given one and when I asked they looked at me all strange!! so I have never had one and never needed to use one ..
4. Do you need a spanish bank account at all? If you have a VISA debit card from an english bank can you just get away with paying everything (shopping, restaurants etc) with that card? I don't need to pay rent from spanish bank account as I've agreed to pay upfront for a 6 month contract.

You will need a Spanish Bank account if you are looking to rent long term / sign a contract, Im sure we had to give our bank details when renting our first place (sorry it seems ages ago and my brain loses info!) .... depending on where you are not everyone will accept a UK debit card ... I would always work on the safe side and open the account!
5. Is it worth getting a resident account or can you just get away with having a non-resident account?
See Jojo answers
Finally, and i'm sure you are all bored of this by now, but NEI! I'm planning to take up permanent residence there so what things do I need to get... just the NEI? Can I apply for the NEI/residence permit from England?
You cant apply for the NIE if you arent in Spain .... you need to be here - you will need NIE for more than residency .... they ask you for it all the time ! lol .... work, banks, loans, telephone contracts, mobile phones, utility bills etc etc etc ..
I have a few more queries (cars and important stuff like football teams!) but thats enough for now I think! Any advice would be greatly appreciated!
Cars - Im a girl so I only know what colour I like and need to know where the steering wheel is and the petrol cap .... oh and if there is a mirror on the sun visor so I can see where my lipstick is going .... football teams ...I will leave that one to the boys ...... Im being gracious today and admitting my female weaknesses!
Cheers
Sue

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Old 14th July 2009, 04:39 PM
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You need an NIE to buy a car!! Second hand cars, we found are more expensive than the UK, however, that was before the credit crunch and the collapse of the car industry so things may have changed.

As for football??? its boring!!!!!Steve Hall who comes on here regularly will be "your man", he´s an avid football suporter

Jo xx

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Old 14th July 2009, 06:40 PM
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Football, did somebody say football? How can I help

The answers you are looking for are Real Madrid and FC Torrevieja although I also have a season ticket for Alhaurín de la Torre. Now what are the questions? LOL

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Old 14th July 2009, 08:02 PM
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Football, did somebody say football? How can I help

The answers you are looking for are Real Madrid and FC Torrevieja although I also have a season ticket for Alhaurín de la Torre. Now what are the questions? LOL
Sad git!!!

Jo xx

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Old 14th July 2009, 10:54 PM
 
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to the forum Plym.

For my own reasons I have to recommend La Caixa bank. My bag was stolen and within 20 minutes the barstewards took €600 from my account via my debit card. I wasn't expecting to get that back but they paid up without quibble.. You can't get better than that!!!

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Old 14th July 2009, 11:21 PM
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GOLDEN RULE - get a bank with a good coverage and with international experience. If you are off to Murcia, then the Caixa Galicia is probably not your best bet!

The biggest percentage of expats by far are with the CAM. I have an account with them - no problems. I prefer Banco de Valencia but that would be USELESS on the Costa del Sol or the islands. I know. Check their coverage in Catalonia www.bdv.es


If you want to work among the locals in Catalonia then, yes, you should learn Catalán. If you are almost fluent in castellano, then learning català should not be a challenge.

Our man in Catalonia, Simon Harris is the person to talk to. He's a top guy apart from his enthusiasm for next season's subcampeones! He also runs a football forum in English.

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Old 15th July 2009, 07:50 AM
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Banks! They are suddenly not the friendly places they have been for years as the bank managers to longer have the ability to make decisions and you have now become a number rather than a persn. Most banks are much of a muchness but they are all generally OK. Careful of hidden charges for cards, running the account etc but usually when you are in credit banking is free with most.

Personal recommendation and i work with a lot of banks are Caixa Catalunya, quite apt for where you are going, CAM as Steve mentioned above and BBVA, just don't ask for a personal loan from them as their rates are horrendous at the moment.
Regards
Graham

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