Current account
This is a standard current account, ideal for personal banking clients or companies who need to make a high number of transactions. You can set up direct debits for all your bills and receipts, withdraw money using a chequebook or your cards, and carry out transfers.
- Immediate withdrawals and full operating capacity.
- Set up direct debit for all your bills and receipts, and we will inform you of all your account movements in the statements we send.
- Manage your account at will at any time of day using our Online and Telephone Banking.
- 24h access to your money
- Setting up direct debit for your bills and payments will bring you many rewards
Your account will give to access to a host of products and services designed to make your life easier:
- Debit card
- Credit card
- Direct debit for bills and receipts
- Consumer loan
- Online Banking
Remuneration
- Interest on positive account balances: 0.01% nominal rate
- Minimal cost for the maximum service
- Administration fee: 0.20 euros per entry (except for the paying in of cheques or cash, entries caused by the Bank itself in settling and debiting fees, and 12 entries per quarter)
- Maintenance fee: 8€/quarter
Interest accrued will be considered as yield on savings and are subject to tax deduction, according to the tax regulations currently in force.
Guideline tax information based on current government regulation. Consult our advisers about your particular circumstances.
How often is interest paid?
Every 3 months.
How often will I receive a statement of my account movements?
In principle, you will receive a statement after every 12 transactions. You can also consult your account movements through our Online Banking as often as you would like.
How can I withdraw money?
Through your chequebook or using your cards.
Do I have to request a new chequebook or is it sent automatically?
You have to request a new chequebook using the Online Banking, Telephone Banking or at your local Banca Cívica branch.
Can the account be in the name of more than one person?
Yes, as many as you want.
How many people need to be involved to withdraw money if the account is in more than one name?
This depends on how the account contract was drawn up when the account was opened: it could range from one person, various people or everyone.
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