{"id":156943,"date":"2020-03-25T12:08:35","date_gmt":"2020-03-25T09:08:35","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=156943"},"modified":"2025-08-14T20:04:39","modified_gmt":"2025-08-14T17:04:39","slug":"which-spanish-ban-raise-commissions","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/pl\/articles\/life-in-spain\/which-spanish-ban-raise-commissions","title":{"rendered":"Kt\u00f3re hiszpa\u0144skie banki podnosz\u0105 prowizje i jak ich nie p\u0142aci\u0107?"},"content":{"rendered":"<p>Najwi\u0119ksze <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/banks-in-torrevieja\">banki<\/a> w Hiszpanii na prze\u0142omie 2019 i 2020 roku wprowadzi\u0142y now\u0105 polityk\u0119 maj\u0105c\u0105 na celu pozyskiwanie sta\u0142ych klient\u00f3w, co w rozumieniu banku oznacza tych, kt\u00f3rzy:<\/p>\n<ul>\n<li> powi\u0105za\u0142 swoj\u0105 pensj\u0119 lub miesi\u0119czny doch\u00f3d na okre\u015blon\u0105 kwot\u0119 ze swoim kontem;<\/li>\n<li> powi\u0105za\u0142 z kontem okre\u015blon\u0105 liczb\u0119 miesi\u0119cznych op\u0142at za r\u00f3\u017cne us\u0142ugi (pr\u0105d, woda, ubezpieczenie itp.);<\/li>\n<li> kupi\u0142 ubezpieczenie w banku lub wynaj\u0105\u0142 samoch\u00f3d;<\/li>\n<li> dokonuje regularnych zakup\u00f3w za pomoc\u0105 karty debetowej lub kredytowej.<\/li>\n<\/ul>\n<p> Klienci, kt\u00f3rzy nie spe\u0142ni\u0105 tych wymaga\u0144, spotkaj\u0105 si\u0119 ze znacznym wzrostem op\u0142at za obs\u0142ug\u0119 konta i kart bankowych \u2013 nawet do 240 euro rocznie.<\/p>\n<h2> Caixa Bank<\/h2>\n<p> Od 1 kwietnia CaixaBank uruchamia program D\u00eda a D\u00eda, kt\u00f3ry zreformuje ofert\u0119 rachunk\u00f3w i innych produkt\u00f3w bankowych. Cho\u0107 przedstawiciele bank\u00f3w upieraj\u0105 si\u0119, \u017ce innowacje maj\u0105 na celu wy\u0142\u0105cznie zwi\u0105zanie klienta z bankiem na bardzo korzystnych dla niego warunkach, a nie podniesienie prowizji, w rzeczywisto\u015bci wielu klient\u00f3w czeka bardzo przykre niespodzianki. Osoby, kt\u00f3re nie zastosuj\u0105 si\u0119 do warunk\u00f3w banku, b\u0119d\u0105 musia\u0142y ui\u015bci\u0107 roczn\u0105 op\u0142at\u0119 za prowadzenie rachunku w wysoko\u015bci 240 euro. Do tego momentu g\u0142\u00f3wnym produktem CaixaBank by\u0142o konto rodziny Cuenta, kt\u00f3re wymaga\u0142o spe\u0142nienia nast\u0119puj\u0105cych wymaga\u0144:<\/p>\n<ul>\n<li> wi\u0105\u017c\u0105ce wynagrodzenie (domiciliar una n\u00f3mina) lub doch\u00f3d miesi\u0119czny w wysoko\u015bci co najmniej 600 euro miesi\u0119cznie;<\/li>\n<li> do wyboru: dokonanie trzech p\u0142atno\u015bci miesi\u0119cznie kart\u0105 lub po\u0142\u0105czenie trzech p\u0142atno\u015bci miesi\u0119cznych na op\u0142acenie r\u00f3\u017cnych us\u0142ug (pr\u0105d, woda, ubezpieczenie itp.).<\/li>\n<\/ul>\n<p> W przypadku nieprzestrzegania tych wymog\u00f3w op\u0142ata za prowadzenie rachunku wynosi\u0142a 60 \u20ac rocznie. Od 1 kwietnia ta oferta zniknie wraz z wieloma innymi. Pojawi\u0105 si\u0119 nowe opcje z du\u017c\u0105 liczb\u0105 mo\u017cliwo\u015bci i wymaga\u0144, je\u015bli nie zostan\u0105 spe\u0142nione, b\u0119dziesz musia\u0142 zap\u0142aci\u0107 prowizj\u0119 w wysoko\u015bci do 240 \u20ac rocznie. Wymagania obejmuj\u0105:<\/p>\n<ul>\n<li> powi\u0105zanie z rachunkiem wynagrodzenia lub miesi\u0119cznego dochodu w wysoko\u015bci co najmniej 600 euro lub emerytury w wysoko\u015bci co najmniej 300 euro;<\/li>\n<li> doch\u00f3d na koncie co najmniej 6 000 EUR rocznie lub <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/investments-in-spanish-real-estate-2020\">inwestycja w wysoko\u015bci<\/a> co najmniej 20 000 EUR w produkty oszcz\u0119dno\u015bciowe banku;<\/li>\n<li> powi\u0105zanie z kontem bankowym co najmniej trzech miesi\u0119cznych p\u0142atno\u015bci za r\u00f3\u017cne us\u0142ugi (woda, pr\u0105d, ubezpieczenie itp.) lub co najmniej trzech zakup\u00f3w miesi\u0119cznie przy u\u017cyciu karty.<\/li>\n<\/ul>\n<p> Klienci, kt\u00f3rzy maj\u0105 ju\u017c konto Cuenta Family, nie zostan\u0105 dotkni\u0119ci, ale ci, kt\u00f3rzy maj\u0105 zwyk\u0142e konto bie\u017c\u0105ce w CaixaBank, kt\u00f3re ponosz\u0105 op\u0142at\u0119 za utrzymanie w wysoko\u015bci 12 \u20ac na kwarta\u0142, nie zostan\u0105 dotkni\u0119ci. Powinno to r\u00f3wnie\u017c obejmowa\u0107 koszty wydania i utrzymania karty debetowej lub kredytowej. Ten produkt \u2013 zwyk\u0142e konto rozliczeniowe \u2013 zniknie, a klienci b\u0119d\u0105 musieli dostosowa\u0107 si\u0119 do nowych warunk\u00f3w lub uiszcza\u0107 wi\u0119ksze op\u0142aty. Nowi klienci banku b\u0119d\u0105 jednak zwolnieni z tych koszt\u00f3w w pierwszym roku korzystania z konta, a tak\u017ce osoby, kt\u00f3re nie uko\u0144czy\u0142y 26 roku \u017cycia. W przypadku rachunk\u00f3w posiadanych przez kilka os\u00f3b wystarczy, \u017ce wymagania spe\u0142nia tylko jedna z nich lub \u0142\u0105cznie obaj w\u0142a\u015bciciele. <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-156945\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-2.jpg\" alt=\"\" width=\"800\" height=\"533\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-2.jpg 800w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-2-300x200.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2> bankia<\/h2>\n<p> Bankia wprowadzi\u0142a zmiany w polityce op\u0142at od 23 lutego br. Teraz op\u0142ata za prowadzenie rachunku Bankia wyniesie 196 \u20ac rocznie w przypadku niespe\u0142nienia szeregu warunk\u00f3w. Nowy program banku nosi nazw\u0119 Por Ser T\u00fa, a lista wymaga\u0144 do bezp\u0142atnego otrzymywania obejmuje powi\u0105zanie z kontem wynagrodzenia lub miesi\u0119cznych dochod\u00f3w w wysoko\u015bci co najmniej 700 euro lub emerytury\/zasi\u0142ku &#8211; od 400 euro (wym\u00f3g, czyli tzw. zdecydowanie jedyny), a tak\u017ce opcjonalnie:<\/p>\n<ol>\n<li> dokonywanie co najmniej dw\u00f3ch p\u0142atno\u015bci miesi\u0119cznie kart\u0105 kredytow\u0105;<\/li>\n<li> zakup ubezpieczenia w banku na kwot\u0119 co najmniej 135 \u20ac rocznie;<\/li>\n<li> sk\u0142adka w wysoko\u015bci co najmniej 30 000 euro do funduszu inwestycyjnego, planu emerytalnego lub ubezpieczeniowego.<\/li>\n<\/ol>\n<p> Klienci w wieku powy\u017cej 26 lat, kt\u00f3rzy spe\u0142nili jedynie wym\u00f3g wp\u0142aty na konto, b\u0119d\u0105 musieli zap\u0142aci\u0107 6 euro miesi\u0119cznie + 14 euro rocznie za kart\u0119 debetow\u0105 (86 euro rocznie). W przypadku klient\u00f3w powy\u017cej 26 lat, kt\u00f3rzy nie maj\u0105 wynagrodzenia ani miesi\u0119cznego dochodu powi\u0105zanego z kontem Bankia, op\u0142ata wyniesie 14 euro miesi\u0119cznie + 28 euro rocznie za kart\u0119 debetow\u0105 (\u0142\u0105cznie 196 euro rocznie). Dla klient\u00f3w poni\u017cej 26 roku \u017cycia, aby nie p\u0142aci\u0107 prowizji, wystarczy aktywowa\u0107 us\u0142ug\u0119 mailingow\u0105 banku (je\u015bli tego nie zrobi, prowizja wyniesie 60 \u20ac rocznie + 28 \u20ac za obs\u0142ug\u0119 karty debetowej). Klienci poni\u017cej 18 roku \u017cycia nie p\u0142ac\u0105 prowizji. Wszyscy klienci banku b\u0119d\u0105 automatycznie sprawdzani pod k\u0105tem zgodno\u015bci z wymaganiami programu 10 dnia ka\u017cdego miesi\u0105ca.<\/p>\n<h2> Santander<\/h2>\n<p> Santander zast\u0105pi sw\u00f3j flagowy produkt, konto Cuenta 1,2,3, kontem Cuenta Zero 1,2,3, podnosz\u0105c jednocze\u015bnie op\u0142at\u0119 z 96 euro do 144 euro rocznie. Aby jej nie p\u0142aci\u0107, musisz spe\u0142ni\u0107 szereg wymaga\u0144:<\/p>\n<ul>\n<li> powi\u0105za\u0107 z kontem wynagrodzenie lub miesi\u0119czny doch\u00f3d w wysoko\u015bci co najmniej 600 euro lub emerytur\u0119 w wysoko\u015bci co najmniej 300 euro;<\/li>\n<li> po\u0142\u0105cz co najmniej trzy miesi\u0119czne rachunki za us\u0142ugi (pr\u0105d, woda, ubezpieczenie itp.) lub dokonaj co najmniej 6 transakcji kart\u0105 na kwarta\u0142.<\/li>\n<\/ul>\n<p> W takim przypadku nie musisz nic p\u0142aci\u0107. Klienci, kt\u00f3rzy wcze\u015bniej otworzyli konto Cuenta 1,2,3, kt\u00f3re kosztowa\u0142o 72 \u20ac rocznie, mog\u0105 przej\u015b\u0107 na nowe konto Cuenta Zero 1,2,3, z zastrze\u017ceniem powy\u017cszych warunk\u00f3w, aby nic nie p\u0142aci\u0107 na koncie. Klienci kont Cuenta Est\u00e1ndar i Cl\u00e1sica musieli p\u0142aci\u0107 116 euro rocznie od wrze\u015bnia zesz\u0142ego roku i 144 euro za Cuenta D\u00eda a D\u00eda. Teraz maj\u0105 mo\u017cliwo\u015b\u0107 uaktualnienia do Cuenta Zero 1,2,3. W ten spos\u00f3b bank zach\u0119ca klient\u00f3w do spe\u0142nienia niezb\u0119dnych wymaga\u0144 w celu przej\u015bcia na konto bez prowizji. [to miejsce]<\/p>\n<h2> BBVA<\/h2>\n<p> BBVA podniesie op\u0142aty do 100 \u20ac rocznie dla klient\u00f3w, kt\u00f3rzy nie mog\u0105 spe\u0142ni\u0107 okre\u015blonych warunk\u00f3w. Klienci bez prowizji programu Adi\u00f3s Comisiones, aby wzi\u0105\u0107 udzia\u0142 w kt\u00f3rych nale\u017cy spe\u0142ni\u0107 nast\u0119puj\u0105ce wymagania do wyboru:<\/p>\n<ul>\n<li> Powi\u0105zanie wynagrodzenia lub miesi\u0119cznego dochodu z kontem BBVA;<\/li>\n<li> powi\u0105zanie pi\u0119ciu miesi\u0119cznych p\u0142atno\u015bci z kontem;<\/li>\n<li> dokonanie co najmniej 7 transakcji kartowych.<\/li>\n<\/ul>\n<p> Bezp\u0142atni s\u0105 r\u00f3wnie\u017c klienci posiadaj\u0105cy konta Va Contigo, Online, Blue oraz ci z dwoma kontami BBVA, a wymagania dotycz\u0105ce unikania op\u0142at s\u0105 bardzo \u0142agodne. Na przyk\u0142ad dla klient\u00f3w konta Cuenta N\u00f3mina Va Contigo wystarczy wi\u0105zanie wynagrodzenia w wysoko\u015bci 800 euro miesi\u0119cznie, aby unikn\u0105\u0107 p\u0142acenia prowizji.<\/p>\n<h2> Sabadell<\/h2>\n<p> Oferta Sabadell to konto Cuenta Expansi\u00f3n Premium, kt\u00f3re nie wymaga \u017cadnych op\u0142at i wymaga otwarcia nast\u0119puj\u0105cych warunk\u00f3w:<\/p>\n<ul>\n<li> powi\u0105za\u0107 z kontem wynagrodzenie w wysoko\u015bci lub miesi\u0119czny doch\u00f3d co najmniej 700 euro;<\/li>\n<li> do wyboru: wykup <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/insurance-in-spain-for-expats\">ubezpieczenie<\/a> w Sabadell; skorzysta\u0107 z us\u0142ugi autorentingu; mie\u0107 co najmniej 10 000 euro w programie emerytalnym lub funduszu inwestycyjnym.<\/li>\n<\/ul>\n<p> Alternatywnym produktem jest konto Cuenta Expansi\u00f3n z op\u0142at\u0105 60 \u20ac rocznie, kt\u00f3re mo\u017cna otworzy\u0107 tylko poprzez powi\u0105zanie wynagrodzenia lub miesi\u0119cznego dochodu z kontem. Klienci poni\u017cej 30 roku \u017cycia i emeryci z kontem Cuenta Expansi\u00f3n s\u0105 zwolnieni z prowizji.<\/p>\n<h2> Kutxabank<\/h2>\n<p> Klienci tego banku posiadaj\u0105cy konto Cuenta Ok lub Ok Plus s\u0105 zwolnieni z op\u0142at, je\u015bli spe\u0142nione s\u0105 nast\u0119puj\u0105ce wymagania:<\/p>\n<ul>\n<li> link do konta p\u0142acowego;<\/li>\n<li> \u0142\u0105czenie 6 p\u0142atno\u015bci na kwarta\u0142;<\/li>\n<li> aktywna aplikacja bankowo\u015bci internetowej;<\/li>\n<li> bank musi by\u0107 poinformowany o aktualnym numerze telefonu klienta;<\/li>\n<li> realizacja transakcji kart\u0105 w wysoko\u015bci co najmniej 300 \u20ac kwartalnie lub 1200 \u20ac rocznie.<\/li>\n<\/ul>\n<p> Je\u015bli te warunki nie zostan\u0105 spe\u0142nione, prowizja wyniesie 72 \u20ac rocznie za konto Cuenta Ok i 96 \u20ac za Ok Plus.<\/p>\n<h2> Alternatyw\u0105 jest bankowo\u015b\u0107 internetowa <\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-156944\" src=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-1.jpg\" alt=\"Kt\u00f3re hiszpa\u0144skie banki podnosz\u0105 prowizje i jak ich nie p\u0142aci\u0107?\" width=\"800\" height=\"451\" srcset=\"https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-1.jpg 800w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-1-300x169.jpg 300w, https:\/\/alegria-realestate.com\/wp-content\/uploads\/2020\/03\/which-spanish-ban-raise-commissions-1-768x433.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/> Wyobra\u017a Bank. Cyfrowy bank CaixaBank nie zmienia swojej oferty, a jego konto Imagin pozostanie bezp\u0142atne. Jedynym wymogiem jest zainstalowanie aplikacji bankowej. in\u017c. Bank ten kontynuuje r\u00f3wnie\u017c polityk\u0119 zerowych op\u0142at. Je\u015bli klient nie powi\u0105\u017ce pensji z kontem, po prostu nie b\u0119dzie m\u00f3g\u0142 skorzysta\u0107 z niekt\u00f3rych benefit\u00f3w. Bank ma r\u00f3wnie\u017c promocj\u0119: je\u015bli klient banku przyprowadzi innego klienta, obaj otrzymuj\u0105 premi\u0119 w wysoko\u015bci 50 \u20ac. Je\u015bli potrzebujesz pomocy w otwarciu rachunku bankowego lub porady w tej sprawie, mo\u017cesz skontaktowa\u0107 si\u0119 z naszymi specjalistami, kt\u00f3rzy dobior\u0105 dla Ciebie najkorzystniejsz\u0105 opcj\u0119, pomog\u0105 w przygotowaniu wszystkich niezb\u0119dnych dokument\u00f3w oraz towarzysz\u0105 w procesie otwierania <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/opening-a-bank-account-in-spain\">rachunku w hiszpa\u0144skim banku.<\/a> Mo\u017ce zainteresuje Ci\u0119 nast\u0119puj\u0105cy artyku\u0142:<\/p>\n<ul>\n<li> <a href=\"https:\/\/alegria-realestate.com\/ru\/articles\/how-to-save-money-in-spain\">Jak zarabia\u0107, oszcz\u0119dza\u0107 i nie traci\u0107 swoich oszcz\u0119dno\u015bci.<\/a><\/li>\n<\/ul>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Najwi\u0119ksze banki w Hiszpanii na prze\u0142omie 2019 i 2020\u2026<\/p>\n","protected":false},"author":18,"featured_media":156946,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74,15],"tags":[],"class_list":["post-156943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-in-spain","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041a\u0430\u043a\u0438\u0435 \u0431\u0430\u043d\u043a\u0438 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u043f\u043e\u0434\u043d\u0438\u043c\u0430\u044e\u0442 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438, \u0438 \u043a\u0430\u043a \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u0438\u0445 \u0443\u043f\u043b\u0430\u0442\u044b?<\/title>\n<meta name=\"description\" content=\"\u0421 \u043d\u0430\u0447\u0430\u043b\u0430 2020 \u0433\u043e\u0434\u0430 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