In the end it seems that Bankia clients who have become CaixaBank after their merger carried out in March, may benefit from better commercial conditions, or at least the bank indicates in a statement in a statement.
CaixaBank said Thursday that 13.6 million of its clients or three out of four will be exempt from the payment of commissions for the most common operational and financial services once the technological integration with Bankia occurs on November 12. With the program 'Day by day', the linked customer will have for free from the "maintenance and administration of current accounts in euros, all standard transfers, issuance and maintenance of standard credit cards and 'MyCard' card, use of CaixaBanknow, the service of Internet banking of the entity, and the entire CaixaBank automatic cashie , transfers, receipts, cashiers, online banking, etc.) in the same 'all inclusive' package. It is free for linked customers "for both the owner and the people with those who share the ownership of the account." To be able to access the program, the client must meet one of the following requirements: "Have domiciled payroll or income higher than 600 euros per month or 6,000 euros per year; pension or unemployment benefit greater than 300 euros per month; or a balance exceed 20,000 euros in any of these products: investment funds, fund portfolios, managed, structured wallets, savings insurance, , individual pension plans. "In addition, the client must have three or more receipts domiciled in CaixaBank or, three or more purchases with a credit card to the quarter. Those users under 26 years and with Digital profile, as well as new customers for a period of six months. The entity also explained that those who "comply with vulnerability criteria" have stopped paying commissions after the merger, and in 2022 "they will be automatically registered in the entity's social account, with which they will continue without paying any cost" So, all customers assigned to the program are exempt from paying commissions that are automatically integrated into the day -to -day program, such as those who previously did not benefit from the program without Bankia commissions and that, from Now, they do meet the requirements that exempt the payment of commissions in CaixaBank. The need to use the application of CaixaBanknow digital bank instead of Bankia app.
Linked Bankia clients who go from being day to day can continue with their current free debit card until June 2022 or hire any type of CaixaBank credit card. By their part, clients of Bankia origin thatThey are not linked, and decide to keep their debit card will pay 36 euros per year as of January 1, 2022, compared to the 28 euros they paid previously.
Of course, although adapting to CaixaBank's requirements is simple for program users for being you, but while customers who meet the requirements of this program will not pay commissions on their own, those who do not adapt to this new commercial policyThey must pay up to 240 euros per year on their own, in addition to 36 euros per debit card.It will be in these cases more expensive than Bankia.
Bankia charged 168 euros a year for the maintenance of each account to the clients associated with the program for being you who did not meet the conditions, plus 28 euros for the debit card.Now they will pay up to 240 euros a year.
To this is added, that the debit card, whatever the client's linkage, will cost 36 euros a year, since CaixaBank does not want plastics only debit.As an alternative, he proposes the change to the Mycard credit card, which allows to pay two days without intent and does not have maintenance installments.
The holders of the ON account will also be penalized, unless they move to the day -to -day program, and suppress the debit card, explain Helpmycard experts.
