N26 for Non Residents

Andrew14 wrote on Sun Oct 9, 2022 2:40pm:

Thanks David, I'll have a look at Wise. 

re N26, I suppose what I really want to know is how any UK residents managed to get past the 1st question regarding residency

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As you say (& I already knew) you can't say you're Spanish resident if you are not but that's the stumbling block in trying to open an account via their website.

Andrew14 wrote on Sun Oct 9, 2022 2:40pm:

Thanks David, I'll have a look at Wise. 

re N26, I suppose what I really want to know is how any UK residents managed to get past the 1st question regarding residency

Read more...

As you say (& I already knew) you can't say you're Spanish resident if you are not but that's the stumbling block in trying to open an account via their website.

Jeffers wrote on Wed Oct 12, 2022 7:11pm:

I've set up a Wise account.

Added my Wise vitual debit card to my Google Wallet.

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Paid £5 to get my optional debit card.

Just transferring some euros from my Sabadell account to my Wise account.

Then I'll start transferring my DDs from Sabadell to Wise.

Once all my DDs are working I'll close my Sabadell account.

Andrew14 wrote on Wed Oct 12, 2022 7:53pm:

Thanks for the update Jeffers. I too have signed up to Wise, & will have a card waiting when I return to UK. Not done anymore than that yet, think I’ll set up a test DD, see how that goes & transfer everything after that

Jeffers wrote on Wed Oct 12, 2022 8:23pm:

Doing a test DD that won't cause me a lot of pain if it doesn't work is what I am planning to do as well.

I need to get some euros in my Wise account before changing the DD to take the euros from my Wise account.

Jeffers wrote on Thu Oct 13, 2022 12:05pm:

Hit my first problem using Wise.

I ask the administrator of my urbanisation to stop doing a DD against my Sabadell bank account and take the DD from my Wise bank account, supplying my Wise IBAN which is a Belgium bank.

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This was my administrator's reply:- 

"Good morning, the direct debit account number must be an account number from a Spanish bank, we cannot remittances to an account outside of Spain.

Kind regards"

I hope the other Spanish organisations that DD my Sabadell bank account don't tell me the same.

I have DDs for:-

Urbanisation fees, administratorBroadbandWaterElectricLocal council taxes, get 5% discount when paying by DDAnyone else have this issue with DDs having to be from a Spanish bank account?
How did you overcome the issue?

Kerri wrote on Thu Oct 13, 2022 2:48pm:

WOW, this is just terrible.  I could see the Govt of Spain but your administrator?  That to me is pure and utter 'crap' because Wise is an EU bank.  

I have just set up both Revolut and N26 and was planning on testing the DD system which is where I expected things to break down myself....

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I know that N26 has a Madrid office but not sure if this would classify it as a "Spanish Bank" so I might run into the same problem.  Everywhere 'tightening the noose' on the average citizen.