No One Expected What Happened with Banco Santander and CaixaBank This 2025: Surprise

The beginning of 2025 has brought unexpected changes in the commission policies of some of the country's most important banks. Since January, CaixaBank and Banco Santander have tightened their conditions and have begun to apply additional charges to those customers who don't meet the established linkage requirements.

This move has surprised thousands of users as they have seen their bank accounts affected by commissions that can reach up to 60 euros quarterly.

CaixaBank Applies the "Día a Día" Commission

CaixaBank has launched its new "Día a Día" commission, a measure that affects customers who don't meet the linkage requirements. This charge, which amounts to 60 euros quarterly, was applied for the first time on January 31st.

To avoid this commission, customers must have a salary or pension direct deposit and have made regular card payments. However, CaixaBank offers an alternative for those looking to avoid these conditions. Its Online Account doesn't apply commissions or require additional requirements, making it an attractive option for those looking to operate without additional charges.

Banco Santander has not lagged behind and has decided to maintain its commission policy for non-linked customers. The entity applies a charge of up to 20 euros monthly to those who don't meet the linkage criteria, which represents a considerable expense throughout the year.

To avoid these costs, it is necessary to direct deposit regular income, make card payments, and contract other financial products from the entity. As an alternative, the bank offers the Santander Online Account, a product without commissions or linkage requirements, ideal for those looking to operate without worrying about these charges.

How to Avoid the New Bank Commissions?

With the increase in commissions at CaixaBank and Banco Santander, customers are looking for solutions to avoid paying more than necessary for their accounts. One of the most effective strategies is to direct deposit the salary or pension, as this is usually the main requirement that entities demand to eliminate maintenance charges.

The use of the card also plays a key role. Many banking entities require customers to make a certain number of purchases per month with their debit or credit card to consider them linked. In some cases, this simple action can make the difference between paying a high commission or keeping the account without additional charges.

Another option is to contract additional financial products, such as insurance or investment plans. However, this method is not always viable for all customers, as it involves assuming an additional commitment with the banking entity.

For those who prefer to avoid any type of linkage, the best alternative remains opting for online accounts without commissions. These allow operating without conditions and without worrying about maintenance costs.