For family units with a member with a disability equal to or greater than 33%: Three times the IPREM (12 payments).
”How to do it?
THE FOLLOWING DOCUMENTATION MUST BE PRESENTED TO THE BANK:
CARD
OF IDENTITY
People with Spanish nationality: DNI
People with foreign nationality (one of the following options):
Residence card Red card
Foreigner Identity Card (TIE) or from the country of origin
Passport
It is necessary to present any of the following documents and, in the case of families, the family book:
Income certificate of the last tax year
Certificate of benefit or unemployment subsidy
Certificate accrediting social wages or social assistance aid
Certificate of benefits for cessation of activity
last three payslips
Alternatively, if you do not have any of these documents, you can submit:
Report issued by social services
of the town hall in which the registration was carried out and that guarantees the suitability to open the account.
FAQS:
free bank account
CAN THE FREE ACCOUNT BE REQUESTED AT ANY BANK?
Yes. Every bank is required to offer a free account.
IS IT GRANTED AT THE SAME TIME IT IS REQUESTED?
The bank has a maximum period of 30 days from when the documentation is provided to resolve the request. Said communication will be made in writing and free of charge. If no reply is received within this period, it is understood that the applicant has been granted free account.
CAN THE BANK INSTITUTION REJECT THE REQUEST?
The entity can reject the opening of the account in two cases: if the required information is not provided or if you are already the holder of an account in Spain that provides payment services.
WHAT SHOULD BE DONE IF THEY DECLINED IT?
The refusal must always be made in writing within a maximum period of 30 days. In this case, you can file a claim with the Bank of Spain (https://clientebancario.bde.es/pc-b/es/menu-horizontal/podemosayudarte/consultasreclama/comorealizarrecl/)WHAT DOCUMENTATION MUST BE PRESENTED?
The identity card together with all the documentation that proves the situation of vulnerability.
WHAT IF THE APPLICANT CANNOT PROVE HIS SITUATION?
When it is not possible to obtain any of the documents proving the situation of vulnerability, the municipal social services can issue a certificate of suitability that replaces them.
WHAT HAPPENS IF, EVEN HAVING THE ACCOUNT, THE SOCIAL ASSISTANCE IS NOT CHARGED?
A free account gives the right to deposit funds, so, in the event that once the account is opened, the payment of social assistance cannot be domiciled in it, the entity must be asked to solve the problem.
If the problem persists, you can file a claim with the Bank of Spain (https://clientebancario.bde.es/pcb/es/menu-horizontal/podemosayudarte/consultasreclama/comorealizarrecl/)
FOR HOW LONG CAN I HAVE A FREE ACCOUNT?
The account will be free for a maximum initial period of two years from the date of recognition. This period can be reduced if the entity can prove that there is no longer any risk of financial exclusion. If the same causes of economic vulnerability continue to exist, the free account will be extended for successive periods of two years.
CAN THEY CHARGE FOR IT AT ANY TIME?
The opening, use and closure of the account will be free, as well as the deposit and withdrawal of cash. Transactions made with a debit or prepaid card will also be free, including online payments in the European Union (EU). A limit of 120 annual payment operations in euros within the EU is established.
