Self employed banking nightmare

[Ducks]

Ducks, since we closed our Caixa bank we've had no problem with whatever company, service or institute.

Eventual problems could be caused by (old) forms you need to fill in, not modified to European IBAN numbers. You have to look well at these forms, you'll see that you have to leave out a few numbers (bank location number they're asking in Spain, if I remember well). If you fill in the forms with a keen eye and some brains, you'll find out they'll accept your EU IBAN bank number without a problem (experienced this with CAAF).

As non-resident we don't need that many services. Like, we don't have an internet account or provider in Spain, some non-residents might need one to protect their house? No experiences with that. Problems with an English bank account though, since separated, could be very realistic, don't know about that.

Maybe you have experienced it yourselves last two years as non-resident (don't forget, lot's has changed digital/financial wise), would be nice if you could name a few situations or companies and services, caused problems with having no Spanish bank account?

We still have a Sabadell account so we don't have to deal with those problems! I've heard nothing but issues from those trying to use Revolut and other EU accounts, but perhaps there have been changes in recent years, as you say. Personally, it's not worth the hassle to me, but if they start asking for declarations about my businesses in Spain when I'm not resident or not working here, it would might change my mind.

[Jasper]

Well, we have eventually sorted it out. It took a while sat in the bank. The Caixa HO declined my wife’s audited accounts but then accepted her UK tax return documents. We are told this holds firm for 2 years but to be honest the bank advisor wasn’t 100% sure. Our plan is to go in annually with the tax return and update our records in the bank.
Thank you all for your comments/advice.