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Finance

What Are The Electricity Time Bands?

Here is the information on the different hours in time bands in relation to the cost. Time Bands

You May Be Entitled To The Minimo Vital Payment

  What is IMV? The Minimum Living Income is a benefit aimed at preventing the risk of poverty and social exclusion of people who live alone or are integrated into a cohabitation unit and lack basic economic resources to cover their basic n

Has Your Bank Sold You A Life Insurance Policy?

Banks & Life Insurance Policies. Were you coerced into taking out a life insurance when applying for a mortgage? Were you told it was a requirement for obtaining the loan? Did you pay a lump sum for the life Insurance policy? If

Advice From A Uk Bank For Clients From January 1, 2021

Bank Website

The Register For Life Insurances - How To Consult

The Registry of death coverage insurance contracts depends on the Ministry of Justice and in it all life insurance contracts (with death coverage) and accident insurance covering the insured’s death must be registered, excluding those in w

Banco Or Caja - What Is The Difference?

In short, Cajas or savings banks are non-profit entities, Cajas Rurales or rural savings banks should have their main objective in the provision of financial services in rural areas and Bancos or banks are for-profit entities that share their pr

How Is The Ibi Calculated?

The town hall of each municipality sets how much real estate tax (IBI) is to be paid for the properties that are located in its territory. The tax is calculated over the catastral value of a property. From the Catastro website: What is the ratea

Commissions For Mortgage Bank Account Abusive?

If your mortgage lender has obliged you to open a bank account with them, for the sole purpose of the mortgage payments, and is also charging the account with commissions for maintenance, then this recent ruling from the Audiencia Provincial cou

Basic Bank Account Commission Capped At 3 Euros/month

Further to our FAQs from December 2017, the Spanish Government has finally followed up on the Royal Decree from November 2017, and a European Directive from 2014 with regards to the obligation for bank to offer Basic Bank Accounts, and has appro

What Can I Do About Credit/debit Card Fraud?

!. Immediately contact your bank and report the fraud so that the bank can block your card. 2. Report the theft or cloning of the card to the police. 3. Can you recover the monies lost? 4. Positive as the bank has insurance to cover these cases.

FAQ Library

Here you will find answers to the most frequently asked questions.