Account information

It is a deposit into which you can deposit and withdraw money immediately and without any penalty.

In addition to depositing and withdrawing money, the account, which is identified using an IBAN, is the basis for performing other banking operations such as making transfers to another current account (yours another party's) or to allow you to receive bills by direct debit (such as electricity bills or a gym membership). You can find more information on these transactions at the following link.

The most common costs for using your current account can be found in the Fee Information Document (FID). The document is available on this website by accessing each type of account.

You can also view the prices usually applied to the most common banking services (Appendix 1) at this link.

You can do this through a branch or this website. During the registration process, we will tell you which documentation or information you must provide.
Especially if you open the account online, please carefully read the pre-contractual documentation and the contract that we will show you and ask us any questions you have on the following free telephone number 93 887 25 25 or 900 40 40 90.

Yes, but you must bear in mind that the other people who share the account with you can carry out transactions and withdraw money from the account without needing your authorisation.

We can (but are not required to) pay for you to avoid problems with the recipient of the money, but bear in mind that we will charge you for the money we have lent you. You must notify us if you do not want us to do this. 

We will apply the equivalent of the currency you want in euros, plus a percentage. You can see the exchange rates we apply here:

Exchange rates for foreign currency purchase and sale transactions.

We will have to see what happened, but it is essential that you report any problems you have as soon as possible. This link shows the different numbers you can call depending on the problem you are having.

CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions, which guarantees €100,000 per depositor and credit institution. If you want more information, you can find it here.

Bank of Spain Bank Customer Website.

Financing for everyone (information website created by the Bank of Spain and the Spanish Securities Market Commission).

Bank teller services encompass all transactional services related to your accounts, including collections and payments that you order on your accounts, such as deposits, cash withdrawals, transfers, statement requests and other services.

At CaixaBank, we provide our bank teller services through the following channels:

(A) ATMs; (B) CaixaBankNow; (C) in person at the teller window: A and B. Teller services are provided through ATMs and CaixaBankNow via a self-service system. These channels are available 24/7 free of charge. CaixaBank provides users of these channels with a free helpline for resolving queries and incidents, which can be accessed by calling 900 40 40 90.

C. The bank teller service is provided by a bank teller who attends to customers in person. This service is not available in all branches. For example, in Store branches. You can check which branches have teller services at https://www.caixabank.es/apl/localizador/caixamaps/index_es.html or by calling 900 40 40 90. The teller service hours are the same as the branch opening hours. These are currently from Monday to Friday, from 8:15 am to 2:30 pm, and Thursday from 4:15 pm to 6:30 pm. During summer hours (from May to September), branches are closed on Thursday afternoons.

Yes, if you belong to the day-to-day programme or are an Imagin customer.

If you require the personalised attention of a branch advisor to make cash withdrawals, transfers and transfers, pay bills without direct debit (except taxes) or request statements (over-the-counter teller service), CaixaBank will charge you a service fee of €2 for each transaction under the following terms and conditions:

• No fee is charged if the transaction cannot be carried out using an ATM because the ATMs assigned to the branch are not working properly due to technical issues, as CaixaBank's commitment is to always provide you with a means of accessing the teller service free of charge.
• The following are exempt from paying the fee: users over 65 years of age for the first five (5) over-the-counter transactions made each month, under 18s, people with disabilities and holders of HolaBank, basic payment accounts, or social integration accounts.
• The over-the-counter teller service fee is separate from the price of the transactions carried out through this channel and the fee for the current date. The fee is generated at the time the transaction is carried out and is settled and debited to the account the following day.  

No, never. CaixaBank does not charge fees to customers or non-customers who deposit cash into their or a third party's account.

For a direct debit (bill) to be issued by the recipient, there must be a direct debit order or mandate, signed by the payer/debtor, authorising direct debits to be made from the payer's account for payments initiated by the payer/recipient.

The transaction will be considered unauthorised without a direct debit mandate.

If the account holder (payer/debtor) does not issue a payment cancellation order, the account will be charged (even if the case of large amounts) since it is assumed that the originator of the debit has the customer's authorisation or mandate to debit the account. If the customer disagrees with the debit charge, they have the right to request a refund within the following deadlines:

• Without conditions, within the first 8 weeks after the bill is charged.
• If there is no authorisation or mandate for the debit entry, within 13 months after the debit charge.

Refunds can be requested via CaixaBankNow, the app, or in person at a branch by signing the appropriate document.

If a payment liability is not met, we will be immediately obliged to allocate resources to cover the unpaid debt. 1) It will be claimed via i) electronic notifications (e. g. SMS or similar means), ii) email and/or online banking inbox (e.g. CaixaBankNow), when you have consented to CaixaBank using such communication channels, and iii) one or several telephone calls (the number and progression will be tailored to the particular circumstances of each non-payment and each customer (at least two (2) attempts will always be made to try to establish personal contact with you) or any other personalised method that allows us to contact you. Compensation for the previous collection procedures is €40 unless the individual terms and conditions indicate another price (the one indicated in the specific terms and conditions shall apply) 2) If the non-payment persists after 15 days, a registered fax or equivalent can also be sent in addition with certification of contents and acknowledgement of receipt. The current compensation for this cost is €24. The first compensation i) will only accrue on debts above €60 and ii) only after the above collection procedures have been carried out, and iii) a single default may not generate more than one compensation. The second compensation i) will only accrue on debts over €300, ii) only after the certified fax is effectively sent for the persistent default, and iii) a single default will not generate more than one compensation. Collection costs and interest on late payment are different. The resources actually allocated to cover the unpaid debt are the collection costs; the profit that is no longer received as a result of non-payment is the late interest.

The current non-payment processing fee established by the bank is €35. From January 2023, this amount will no longer accrue, and in the event of non-payment, the amount of €40 established in the contract will apply. All other terms and conditions governing this compensation remain unchanged.

Instant credit transfers are a type of bank transfer that reach their destination in less than 10 seconds through the European SEPA Instant Credit Transfer (SCT Inst) scheme.

Since 14 February 2018, Spanish citizens have been able to send instant credit transfers throughout the SEPA area (including all European Union member states and other countries belonging to the area, such as the United Kingdom and Andorra). Currently, the maximum amount for an immediate transfer is €100,000 per transaction.

To authorise a transaction, you must click the accept/complete button on the confirmation screen displayed in the CaixaBankNow or CaixaBankSign environment. It is important to carefully read the explanatory text next to these buttons. If you have any queries about the transaction, cancel it and call our free phone number 900 40 40 90 or contact your personal adviser.

To ensure that you are the one authorising a transaction, we verify your identity through a combination of two elements or authentication factors previously assigned to you securely and unambiguously. These elements will always fall under two out of three possible categories: something that only you know (a password); something that only you have (e.g. your mobile number); something that only you are (e.g. your fingerprint).

Currently, the verification methods we use are based on knowledge (CaixaBankNow password) and possession (the mobile phone on which you have installed the CaixaBankSign app or where you receive SMS OTPs). However, please note that we may change these methods at any time to improve your user experience and/or enhance your security. In these cases, we will provide you with sufficient notice of any changes.

Furthermore, please note that neither we nor anyone working for us (agents, technicians, etc.) will ever ask you to provide your passwords, OTPs or other security codes (whether by phone, email, SMS, or social media). If you do disclose this information, you are probably a victim of fraud.

• Operating limits. You can set amount limits for transactions that can be carried out via CaixaBankNow. You can check these limits in CaixaBankNow/personal settings/Contracts and ask your branch to modify them free of charge.
• Updated security information. We have an updated web page with security tips, which you can access through the security section of the CaixaBank website. We also send regular "CaixaBankProtectNews" newsletters to your email address or CaixaBankNow mailbox with news and updates. In particular, we provide information on how cybercriminals operate.
• Mailbox for the early detection of cyber scams: [email protected] If you are unsure about the authenticity of any messages you receive from CaixaBank by email, SMS or other digital channels, you can forward them to this email address. A specialised team will analyse the authenticity of the message and inform you of its conclusions, free of charge.
•  Security alerts that you will receive on your mobile phone via push notifications in the CaixaBankNow environment (we recommend enabling notifications on your device) or SMS.
• Device management. You can check the devices (mobiles, computers, tablets) used to access your digital banking to detect any irregularities or delete any devices you no longer use. The access route is CaixabankNow/personal settings/security/manage my devices.

https://www.caixabank.es/particular/seguridad/seguridad_es.html

We are talking about the conditions of availability. If it is joint and several, any account holder can carry out any transaction with a single signature. If, on the other hand, it is joint, the signatures of all the holders (or multiple holders) are required to carry out a transaction.

If these orders impede the management of the account, we may be forced to block the account and suspend our services until the account holders resolve their differences or until the corresponding legal authority rules as appropriate.

In certain cases, we may even have to deposit the money with the competent legal authority, informing the account holders of the specific reason for the blocking.

Yes. You may request to be removed from an account at any time as a joint account holder without the authorisation of the other account holders with whom you share the account.

We may oppose your request to cancel an account if you were required to open the account in order to arrange and manage the collections and payments for another financial service, such as a personal loan or mortgage. In these cases, we are bound to maintain the account fees as long as the account is not used for other purposes.

Any individual who does not hold another payment account in Spain is entitled to access a basic payment account, except in specific instances governed by regulations (Royal Decree-Law 19/2017 of 24 November). You are not required to purchase other products or services from the bank to hold a basic payment account.

You can find more information and terms and conditions for opening a basic payment account on our website caixabank.es/particular/accounts/basic payment account.

Yes. We may propose changes to service fees and other terms and conditions where necessary in line with market conditions or technological, organisational or legal developments or to enhance security or the user experience.

We will notify you of any proposed changes at least two (2) months before the effective date of the new terms and conditions. You may exercise your right to oppose the proposed change during this time. If you decide to oppose the proposed change, we will cancel your contract free of charge.

The notification will always provide information on the appropriate channels for exercising your right to oppose the change. These channels will include at least your local branch and a remote channel.