The gross economic income, calculated annually and per family unit, does not exceed the following thresholds:.They must sign a specific application document for such purpose.Ī customer shall be deemed to be in a position of special vulnerability or at risk of financial exclusion when the following situations arise:
#LACAIXA ES PARTICULARS FREE#
Potential customers may also request that the account be free of charge if they meet the requirements specified in Spanish Royal Decree 164 of 22 March 2019, which sets forth a free system for basic payment accounts to the benefit of vulnerable persons or persons who are at risk of financial exclusion. īasic payment account for vulnerable persons 4
#LACAIXA ES PARTICULARS HOW TO#
Information on how to submit a claim to the SAC can be found through this link. If you are not entitled to open the account, you can submit a claim, if you wish, to CaixaBank’s Customer Support Department (SAC). If you are, you must visit the branch and carry out the procedures specified in the previous paragraph. Within a maximum term of 10 days counted from the date the application is submitted, we will give you an answer as to whether or not you are entitled to open a basic payment account. In this case, we will give you a basic payment account application to sign and a copy thereof to take with you. In certain cases, it is possible that we will be unable to open the basic payment account immediately due to having to conduct further verifications or because we need additional documents required by the Spanish Money Laundering Act.
Then, if you do not have a basic payment account open in CaixaBank/MicroBank, you must i) provide us with your socio-economic data in order to fulfil the obligations required by the Spanish Money Laundering Act, ii) sign the Framework Agreement (a document that regulates the basic rules governing your relationship with CaixaBank), and iii) sign the basic payment account agreement (which will include the online banking agreement and, optionally, the debit card agreement).