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Paying for utilities from euro bank account
Re: Paying for utilities from euro bank account
by Expat in Quesada » Sun Mar 12, 2023 6:07 am
BNT162b2 wrote:John - some "utility" companies (in my case it was Hidraqua and VegaFibra) will say they can't accept payments from Wise, due to the Wise accounts having a non-Spanish (Belgian) IBAN.
However - they are not telling the truth, and by refusing a Belgian IBAN, they are breaking SEPA regulations.
A quick email pointing that out was enough to have my Wise account details accepted within minutes.
The banks (as banks do) are preying on those who believe a bank is a genuinely fair organisation who are doing the best for their customers.
As someone who worked for one of the UK's "big 4" banks for 30+ years and saw more corruption, lies and poor management than I could ever have imagined, I can assure you that the banks are purely profit-making entities who don't give two hoots about their customers.
I also worked as a project manager at the Milton Keynes campus of a certain Spanish-owned bank for a while. The less said about THEIR operations, the better!
Ditch the greedy bank (it's very easy to do), and grab yourself a Wise account or similar.
Thanks for your detailed post BNT162b2. That’s good to know. When the house payment has been finalised at the close of our sale in April, I will close the Caixa account. In the interim I will have our solicitor give the current owners utility companies our euro IBAN as that’s included in their conveyance service to us.
Cheers.
John.
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Expat in Quesada - Posts: 141
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Re: Paying for utilities from euro bank account
by Expat in Quesada » Sun Mar 12, 2023 6:11 am
sunworshipper wrote:I got a Wise account after closing my Caixta bank account because of their extortionate charges and terrible customer service. I set up direct debits with Iberdrola, Hydragua, Vega Fibre, Telecable, and our Community company and Suma all very easily either on line or just by email.
None of them refused or queried that the IBAN number was from Belgium.
They also give you interest every month on money in the account!
Hi Sunworshipper,
Thanks for your post and details on all the utilities that accepted the euro IBAN. These are the same utilities that the current owner is using so everything should proceed without fuss.
Cheers.
John.
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Expat in Quesada - Posts: 141
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Re: Paying for utilities from euro bank account
by Expat in Quesada » Sun Mar 12, 2023 6:12 am
Mayfair wrote:I would second sunworshipper, for ease of setting up and reliability. I have a direct debit monthly from my UK bank to my Wise Euro account and it works perfectly. Cost, a few pence converting from sterling to Euro. Wise messages to confirm all payments and receipts on mu account.
Cheers Mayfair and thanks for your post. Much appreciated.
Regards.
John.
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Expat in Quesada - Posts: 141
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Re: Paying for utilities from euro bank account
by Rietje » Sun Mar 12, 2023 9:37 am
What about the non resident tax? I was told that has to be paid with a Spanish bankaccount.
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Re: Paying for utilities from euro bank account
by Expat in Quesada » Sun Mar 12, 2023 11:51 am
Rietje wrote:What about the non resident tax? I was told that has to be paid with a Spanish bankaccount.
Hi Rietje,
We will be resident and our solicitors offer a tax calculation service. I assume if we pay them, they can transfer any tax due from their Spanish account. As we will not be working or earning any income in Spain or elsewhere, I assume this tax return would just be a formality with zero tax due. We will ask our solicitors this question.
Cheers.
John.
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Expat in Quesada - Posts: 141
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Re: Paying for utilities from euro bank account
by Expat in Quesada » Sun Mar 12, 2023 11:54 am
Expat in Quesada wrote:Rietje wrote:What about the non resident tax? I was told that has to be paid with a Spanish bankaccount.
Hi Rietje,
We will be resident and our solicitors offer a tax calculation service. I assume if we pay them, they can transfer any tax due from their Spanish account. As we will not be working or earning any income in Spain or elsewhere, I assume this tax return would just be a formality with zero tax due. We will ask our solicitors this question.
Cheers.
John.
Just found this in another post………..
You need an ES IBAN to pay resident tax and receive refunds (according to my accountant anyway). You can open a free online account with BBVA or Cajamar for this purpose if necessary. I have one with BBVA and that is all I use it for.
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Re: Paying for utilities from euro bank account
by suzi wong » Sun Mar 12, 2023 2:08 pm
Rietje wrote:What about the non resident tax? I was told that has to be paid with a Spanish bankaccount.
Try Spanish tax forms online they do our non resident tax,much cheaper than solicitors,& good service.
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Re: Paying for utilities from euro bank account
by Rietje » Sun Mar 12, 2023 4:47 pm
Expat in Quesada wrote:Rietje wrote:What about the non resident tax? I was told that has to be paid with a Spanish bankaccount.
Hi Rietje,
We will be resident and our solicitors offer a tax calculation service. I assume if we pay them, they can transfer any tax due from their Spanish account. As we will not be working or earning any income in Spain or elsewhere, I assume this tax return would just be a formality with zero tax due. We will ask our solicitors this question.
Cheers.
John.[/quotes
Hi John,
I’m not a resident and my solicitor transfers the tax from his account. But we have to pay extra for the service. So I hoped it could also be paid from my Dutch account. But unfortunately not
Rietje
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Re: Paying for utilities from euro bank account
by Rietje » Sun Mar 12, 2023 4:51 pm
Just found this in another post………..
You need an ES IBAN to pay resident tax and receive refunds (according to my accountant anyway). You can open a free online account with BBVA or Cajamar for this purpose if necessary. I have one with BBVA and that is all I use it for.[/quote]
Thanks, think I’ll do that too.
You need an ES IBAN to pay resident tax and receive refunds (according to my accountant anyway). You can open a free online account with BBVA or Cajamar for this purpose if necessary. I have one with BBVA and that is all I use it for.[/quote]
Thanks, think I’ll do that too.
- Rietje
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Re: Paying for utilities from euro bank account
by Mantra » Fri Feb 23, 2024 6:22 pm
Hi sunworshipper where did you find the Iberdrola iban number to pay your bill, is it a number apertaining to your account or just the standard iban number? When you pay how do they know it's coming from you?
I must sound daft but I don't understand these things. If you can help me I would be extremely grateful.
Thanks teaeff.
I must sound daft but I don't understand these things. If you can help me I would be extremely grateful.
Thanks teaeff.
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