Join Talk Quesada

Welcome to Talk Quesada! My name's Jan and this is my website all about Ciudad Quesada in Spain. Talk Quesada is free to sign up and use so register below!

Frozen account

Frozen account

Postby Boothy » Sat Sep 15, 2018 4:48 pm

For the second time in three years we arrived in Spain to find our account with Bankia had been frozen due to our non resident document having run out. We know we have to sign it every two years but it would be nice to get a reminder from them that it is due. Apparently they are under no obligation to let you know. Whatever happened to customer service!?


Even after we had signed it the account remained blocked as my husband hadn’t signed the ‘ data protection document’.

I do have a few family members and friends who also have Spanish bank accounts and are non residents but none of them have had this problem or even been asked to sign these documents. They are with different banks,Sabadell and Santander I think. The Sabadell guy no longer comes over much but does have direct debits out of his account which haven’t been affected.

This year we were also asked to provide proof that we paid tax in England together with our NI numbers by Bankia,this we could do by email and were told we would need to do this every three years. Again no one else we know with property in Spain has been asked for this. Is it just a Bankia thing?
Boothy
 
Posts: 7
Joined: Thu May 03, 2018 12:04 pm
Which part of Spain are you from?: Pueblo Lucero
Gender: Female

Re: Frozen account

Postby marcliff » Sat Sep 15, 2018 5:35 pm

Unusual that you have to sign the non-res certificate. Normally the bank does it for you (and charges you) automatically.
The declaration of NI (or tax) numbers and tax payments in your home country is a EU thing. Us residents have had to do it with our UK banks as well.
Not heard the bit about doing it every 3 years, though. We do have to complete a declaration of foreign assets every year (or declare we have no changes to a previous declaration).
Which branch are you with?
marcliff
 
Posts: 3344
Joined: Sat Mar 03, 2012 4:41 pm
Location: Doña Pepa 2
Which part of Spain are you from?: Dona Pepa 2
Gender: Male

Re: Frozen account

Postby Boothy » Sat Sep 15, 2018 6:33 pm

We are with the Quesada branch.
Boothy
 
Posts: 7
Joined: Thu May 03, 2018 12:04 pm
Which part of Spain are you from?: Pueblo Lucero
Gender: Female

Re: Frozen account

Postby quizziecat » Sat Sep 15, 2018 8:41 pm

Interesting, I have never heard of it previously, am a non resident and bank with Sabadel, Hope its not blocked when I come over very soon as have a big payment to make, ie new kitchen
quizziecat
 
Posts: 67
Joined: Tue Sep 20, 2016 12:01 am
Which part of Spain are you from?: torrevieja
Gender: Female

Re: Frozen account

Postby Calledali » Sun Sep 16, 2018 12:36 am

Just received in U.K. Forms from Santander requesting tax information as a non resident, (we have banked with them for 7 years), and this is the first time they have asked for this information. They have informed us that failure to provide the information could result in our account being blocked. We pay our non residents taxes through our solicitors, but I sometimes wonder whether we are paying too much
Calledali
 
Posts: 121
Joined: Sat Jun 11, 2016 9:17 am
Which part of Spain are you from?: La Fiesta, Quesada

Re: Frozen account

Postby polop » Sun Sep 16, 2018 8:05 am

We have had to do this for a number of years, we were told to it is to prove income, but our bank have always informed us when we had to supply information to stop our account been blocked,,but I understand that new Bank regulations coming in mean that banks will now automatically send your bank details to your tax authority throughout Europe .??
User avatar
polop
 
Posts: 315
Joined: Wed Mar 15, 2017 3:21 pm
Which part of Spain are you from?: La finca
Gender: Male

Re: Frozen account

Postby JohnES » Sun Sep 16, 2018 9:11 am

I would suggest that you change your bank account to another but I cannot recommend a good one. There are no good banks in Spain, just some worse than others. La Caixa Bank at the front of town seem to have good recommendations but I switched from that bank after Barclays pulled out of Spain. I was not impressed with La Caixa Bank during the takeover but it may have improved.
JohnES
 
Posts: 299
Joined: Tue Sep 26, 2017 10:56 am
Which part of Spain are you from?: Quesada
Gender: Male

Re: Frozen account

Postby Gasplumbman » Sun Sep 16, 2018 12:03 pm

I assume this is quite normal as we have had several people this has happened to in different banks so beware I think it's every 2 years,and it's up to you to keep things up to date,that's the Spainish way
Gasplumbman
 
Posts: 312
Joined: Mon Aug 25, 2014 12:38 am
Which part of Spain are you from?: Orihuela costa
Gender: Male

Re: Frozen account

Postby Jan » Sun Sep 16, 2018 12:28 pm

Sabadel sent the NR certificate to our UK address for us to fill in and send off to Madrid.

We have asked that all correspondence goes to our UK address but I can see that may not work for those NR's who spend longer in Spain each time.

They have never frozen our account even when they needed our passports to verify our account once and our cards would not work until we had done that. I remember asking if we had not gone in the branch when we had, would they have frozen the account and stopped our direct debits and they said they would not do that.
Like us on Facebook to keep in touch: Facebook.com/TalkQuesada
User avatar
Jan
Site Admin
 
Posts: 10575
Images: 164
Joined: Mon Oct 17, 2011 8:34 pm
Which part of Spain are you from?: Lo Marabu Dona Pepa
Gender: Female

Re: Frozen account

Postby manxmunk » Sun Sep 16, 2018 7:21 pm

I had to do this when I bought back in 2004, it only happened twice, (once every two years), but we have never had to do it since. By the way, I use Bankinter.
manxmunk
 
Posts: 607
Joined: Tue Jul 26, 2016 11:20 am
Which part of Spain are you from?: La Marina
Gender: Male

Next






  • Similar Topics
    Replies
    Views
    Last post

Return to Banking and finances

 
 

Who is online

Users browsing this forum: No registered users and 3 guests

Login
Username:


Password:


Remember me


Forgot password?

Register now

Find in Quesada
What are you looking for in Quesada?: