Posted: Sun May 28, 2023 6:07pm
Indeed N26 opened Spain does all banks can do with payments, at far lower cost and offer a Spanish IBAN to pay all debits and bills, they are very efficient, with the card you can draw cash and pay in stores. (People need to be in Spain with an NIE number and address to open) I use that and Wise, with a Euro account UK, it's perfect to feed N26 and do all low cost money transfers from UK.
The question "Do you know if a Wise account is recognised as 'proper' answer of course, (both Wise and N26 have full banking licence and protection) one gentleman on the forum stated only uses Wise for all, including direct debits, the key having their Belgium IBAN number, you cannot be forced to have a Spanish Bank account, (in most cases best avoided) But the bank must have a Eurozone IBAN.
https://wise.com/