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.

They can do this through a branch or this website. During the registration process, we will tell them what documents or information we need.

Especially if they open the account online, they should carefully read the pre-contractual documentation and the contract that we will provide and ask us any questions they have by calling 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).

The "cashier service" is the set of transactional operations related to accounts. These transactions include collections and payments, income, cash withdrawals, transfers, statement requests, and more.

At CaixaBank, you can do these transactions through these channels:

• CaixaBankNow
• ATMs
• Branch teller

At CaixaBankNow and at ATMs, you can do any operation of the cashier service yourself. It is available 24 hours a day, seven days a week, and has no additional costs. CaixaBank also has a free helpline for enquiries and incidents: 900 40 40 90.

In the branch, the cashier service is provided by an adviser who will attend to you personally. It is only available in Store branches. To see which branches offer the cashier service, see our website or call 900 40 40 90. They are open Monday to Friday, from 8:15 am to 2:30 pm, and Thursday from 4:15 pm to 6:30 pm. During summer hours (May to September), branches are closed on Thursday afternoons.

Yes, if you receive the service with a Día a Día checking account or you are an imagin customer.

At CaixaBank, we charge 2 euros for carrying out the following transactions through a teller: cash deposits, internal and external transfers, payment of non-direct debited bills (except taxes) and statement requests.

The service is free in the following cases:

• If the ATMs at the branch do not work correctly due to a technical problem and do not let you carry out the operation.
• If you are over 65.
• If you are under 18.
• If you are a person with disabilities.
• If you have an HolaBank account, a basic payment, social or insertion account.  

The cost of the cashier service with a teller is separate from the cost of the transactions that are carried out and from the fee of the Día a Día account. The fee is generated at the time the transaction is made and is charged to the account the following day.

No, we do not charge fees to customers or non-customers to deposit cash into their own or a third party's account.

In order for an entity to post a charge to your account, it needs to have a direct deposit request signed by you that authorises the issuing entity to post bills charged to your account. If no such request exists, the transaction will be deemed unauthorised.

Even if the charges are for a large amount, if the account holder does not cancel the direct debit, the bills will be charged to the account. If you do not agree with some of the bills, you have the right to a refund within the following periods:

• If the direct debit is correct: Within 8 weeks after the bill is charged.
• If it is unauthorised: 13 months after the charge.

You can request the refund through CaixaBankNow or at any of our branches.

If you cannot meet a payment obligation, we will contact you to let you know of the unpaid debt through these channels (provided you have given us permission to do so):

• Telematically (e.g., SMS)
• Email and Mailbox (your CaixaBankNow mailbox)
• Phone call (we will always try at least twice)
• Any other personalised method
• The cost per claim is €40, unless another price is indicated in the contract terms and conditions. It will only be charged for debts of more than €60.

If the default persists after 15 days, we will also send you a certified fax or equivalent document with certification of content and proof of receipt, at a cost of €24. It will only be charged for debts of more than €300.

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.

An instant transfer is a type of bank transfer that reaches its destination in less than 10 seconds thanks to the SEPA (single euro payments area) project.

Since 14 February 2018, Spanish citizens have been able to send instant 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 instant transfer is €100,000 per transaction.

To make sure that you are the one making and authorising a payment with one of your CaixaBank cards, we verify your identity through a combination of two elements that we previously assigned to you securely and unambiguously. These elements will always fall under 2 out of 3 possible categories: something only you know (CaixaBankNow password), something only you have (your mobile) and something unique to you (fingerprint).

However, we may change verification methods at any time to improve your user experience and/or enhance security. In these cases, we will let you know well in advance.

And remember, neither we nor anyone working for us (agents, technicians, etc.) will ever ask you to provide your passwords or other security codes (whether by phone, email, SMS, or social media). If someone does so, they're probably trying to scam you.

• Operating limits. You can set amount limits for transactions that are done through CaixaBankNow. You can check the current limits from the "Contracts" section of CaixaBankNow, in the Personal settings. If you want to change them, please contact your adviser.
• Updated information on cybersecurity. We have a website with recommendations on security and good practices in online environments. We will also periodically send a "CaixaBankProtectNews" newsletter to your email and Mailbox detailing any new developments.
• Contact email to detect cyberscams: [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. A specialised team will analyse the message and get back to you, free of charge.
• Security alerts via your mobile. You can receive them by SMS or through notifications from the CaixaBankNow app (you have to enable notifications on your device).
• Managing devices linked to CaixaBankNow. You can check the mobiles, computers and tablets that can access your account online to detect any irregularities or delete any devices you no longer use. You can do so from the "Manage my devices" section, in the Personal settings.

If an account is an "or" joint account, this means that any account holder can carry out any transaction with just their signature. If, on the other hand, it is an "and" joint account, 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. In such cases, we would inform the holders of the specific reason for the blockage.

No, it is not necessary. You can request that an account be closed at any time. We are required to process your request within 24 hours. If you share the account with other account holders, you all have to ask us to close it.

Yes, you can ask to be removed from an account at any time as a joint account holder without needing authorisation from the other account holders with whom you share the account.

We may oppose your request to close 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 those cases, we are bound to maintain the account fees as long as the account is not used for other purposes.

Any person who does not have 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 this account on our website.

Yes, we can propose changes to service fees if we think they are necessary to adapt to 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 2 months before the effective date of the new terms and conditions. You may exercise your right to object to the proposed change during this time. If you do, we will cancel your contract at no additional cost.

We will let you know what methods you can use to exercise your right to object to the change. These methods will include at least your local branch and an online channel.