my wife and i are non residents with a joint account .
we spend approx 8 weeks in spain each year until we retire
i know you cant get interest on ballances but the charges are taking the pi**
so far this year : 178 euros
just for paying elec and water,and once yearly house insurance,and suma
we always stay in credit . every time we go to local branch theres a massive queue
so just wondered if they are all the same or should i move to another bank
would appreciate your opinions thanks