CaixaBank's Hidden €60 Quarterly Fee

Every January, April, July, and October, CaixaBank charges up to 60 euros to customers who do not meet their "Dia a Dia" program requirements.

If you have a CaixaBank account in Spain and have not been paying close attention to your statements around these dates, you could be losing up to 240 euros every year without realizing it.

CaixaBank's quarterly fee structure (as of January 2025):
- Meet Dia a Dia conditions: 0 euros/quarter
- Do not meet conditions: 60 euros/quarter (240 euros/year)

CaixaBank is one of the largest banks in Spain, formed from the merger of La Caixa and Bankia. With over 14 million customers in the Dia a Dia program, it is the bank many Spaniards grew up with.

CaixaBank states that approximately three out of four customers qualify for fee exemptions. But that still means a significant number of customers are paying these quarterly fees.

You might be one of them.

How the "Dia a Dia" program actually works

The "Dia a Dia" program is how CaixaBank structures their fee exemptions. The conditions work as follows (as of January 2025):

You need the income requirement AND at least one of the additional conditions to qualify for the fee exemption.

The conditions can be complex. Life changes, jobs change, spending habits change. And when they do, fees can appear on your statement.

Why quarterly fees can be easy to miss

Quarterly fees can be easier to overlook than monthly ones.

A 20 euro monthly charge appearing twelve times a year is more likely to catch your attention than a 60 euro charge appearing only four times.

The fee is charged quarterly, typically in January, April, July, and October. The exact date may vary.

• In January, it can get lost in post-holiday spending
• In April and July, it might coincide with vacation planning
• By October, you may have forgotten about the previous charges

Over a decade, that's 2,400 euros paid in maintenance fees alone. Money that could have been invested, spent on experiences, or simply kept earning interest.

The free alternative

CaixaBank also offers a completely free digital account called Cuenta Online CaixaBank.

No maintenance fees. No conditions to meet. No quarterly charges.

Customers who do not meet Dia a Dia requirements represent significant fee revenue for the bank. Understanding your options can help you make better decisions.

How to find out if you are being charged

Search your bank statements for charges labeled "comision trimestral" or references to "Dia a Dia."

Look specifically at transactions in January, April, July, and October.

If you find these charges, you have options:

1. Review your Dia a Dia status in the CaixaBank app
2. See which conditions you're meeting and which you're missing
3. Sometimes a small adjustment (like setting up one more direct debit) can eliminate the fee entirely

Banks disclose their fees, but not always clearly. We help you understand what you are actually paying.

Fee structures and conditions are subject to change. This information was researched in January 2025. Always verify current terms with your bank.

Sources:
- CaixaBank Dia a Dia Program - consulted January 2025
- CaixaBank Official Fees