What CaixaBank Actually Charges You
CaixaBank's Día a Día program bills 60 euros a quarter, 240 a year, to anyone who fails its loyalty checklist. Spain's biggest branch network comes with one of its most expensive standing charges.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €240/year | The Día a Día service package costs €60 per quarter unless you meet the program conditions: a domiciled salary of €600+, pension of €300+ or recurring income of €9,000+ per year, plus 3 direct debits or 3 card purchases per quarter. |
| Cards | €36/year | Annual fee for the Visa Debit card on the Día a Día account. Standard credit cards are covered by the service package; the debit card is billed separately. |
| ATM withdrawals | €0 at CaixaBank ATMs | Debit withdrawals at CaixaBank's own network, the largest in Spain, are free. At other banks' ATMs CaixaBank passes on 100% of the owner's surcharge. Credit withdrawals cost 4.50% with a €4 minimum anywhere. |
| Foreign exchange | +2.5% on exchange rate | Currency exchange margin over the market rate on non-SEPA foreign currency operations. Standard foreign currency transfers also cost 0.6% (min €15) with shared costs or 0.7% (min €27) if the sender pays all costs. |
| Overdraft | €40 claim fee | CaixaBank charges €40 for claiming debtor positions when your account goes into the red, plus a 0.20% opening fee on tacit overdrafts. The stated debtor interest rate on the Día a Día account is 0%. |
| Other charges | €2/operation | Surcharge for doing it at the counter: cash withdrawals, transfers or bill payments handled by a branch employee cost €2 extra per operation when a machine could have done it. Over-65s and minors are exempt. |
Questions people actually ask
Up to €60 per quarter, €240 per year, through the Día a Día service package. It drops to €0 only if you meet the program's income and activity conditions.
Domicile a salary of €600+, a pension of €300+ or recurring income of at least €9,000 per year, and add quarterly activity: 3 direct debits or 3 card purchases. CaixaBank's app-based imagin account is the no-conditions alternative.
Yes. The Visa Debit card costs €36 per year on the Día a Día account. The package covers standard credit cards, but the debit card is billed on top.
CaixaBank passes on the full surcharge set by the ATM's owner. Withdrawals at CaixaBank's own ATMs, the largest network in Spain, are free on debit.
CaixaBank charges a €40 debt claim fee (reclamación de posiciones deudoras) plus a 0.20% opening fee on tacit overdrafts. The fee lands once per overdrawn position, even for small amounts.
Sources
Every number above comes from the bank's own documents.
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