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Is it worth reporting your Spanish bank for misconduct and how do you make a successful claim?

Many people are unhappy with their banking services in Spain, but is it worth filing an official complaint and what are the best tips for ensuring your claim is successful?

reporting complaint bank spain
Is it worth reporting your bank for misconduct? Photo: Josep LAGO / AFP

Foreign resident forums and Facebook groups are filled with complaints about Spanish banks adding on additional charges, signing customers up for services they didn’t agree to, and changing conditions without telling them.

But foreigners in Spain are not alone, according to national Bank of Spain figures, more than 220,000 consumers have reported their banks for misconduct in the last decade. 

So is it worth reporting your bank for misconduct and can you really win a claim against them?

Yes. Spain’s financial institutions end up accepting two-thirds of claims at the request of their own customers or following reports from the Bank of Spain, which has resulted in the return of more than €21 million to thousands of consumers over the past 10 years.

What are people claiming for?

Complaints range from restructuring and mortgage abuse to additional commissions. In most cases, these complaints involved small amounts of money whose annual average ranged between €84 and €455.

In addition to the high volume of small claims that have been accumulating in the last decade, there have also been much bigger ones such as mortgage fraud. Several companies have already admitted that they subjected more than half a million families to abusive practices worth €3 billion and were reprimanded by the EU Court of Justice.

In fact, mortgage practices in Spain account for the highest percentage of complaints over the years.


“Mortgages continue to occupy the first position, but they are decreasing – a reflection of how mortgage fraud is being cleaned up,” sources from Spain’s Association of Financial Users (Asufìn) say.

They also explained that the number of banking claims overall increased by almost 50 percent in the first year of the pandemic, which saw the highest volume of returns of the decade, over €3 million.

Complaints about credit and debit cards have also been increasing over the past year and half, a spokesperson for Asufìn confirmed.

So, it is worth lodging a complaint with your bank?

Seven out of ten clients who complained to the Bank of Spain got their bank to rectify the situation.

Spain’s top consumer watchdog OCU says that it’s always worth trying to make a claim in general and that 77 percent of those reported are successful.

The truth is that the resolutions of these claims not binding, so no matter what you agree, the bank does not have to pay attention to it.

complaint bank spain

In addition to this, says that the process of trying to claim against your bank is slow and that submitting a claim to the Bank of Spain is, for many consumers, the last hope that their complaints against the financial system will be heard.

However, the statistics say that reporting your bank is worth it. Of the 5,632 claims resolved by the Bank of Spain in 2018 (there are still claims to be addressed), 68 percent were resolved in favour of the claimant. And of those, the banks agreed with the customer 74 percent of the time.

How do you go about making a claim against your bank?

First, you need to go to your bank’s customer service team or customer ombudsman. By law, they must reply to you within 15 days in the case of complaints about payment services, and between one or two months for other complaints.

After this period, if the customer service team does not get back to you or the response is unsatisfactory or unhelpful, you can submit a letter by post or e-mail to the Bank of Spain, attaching all the appropriate documentation. This must include a supporting document that proves that you have already lodged a claim with your bank.

After this, you simply have to wait for an answer. Remember though, it can take up to four months for your case to be looked at and for you to receive a response.

Tips to help win your claim

Firstly, it’s important to speak with your bank directly in person, before you lodge a formal complaint. See if you can reason with the bank manager to sort out the issue amicably, as the problem in question could have been a mistake rather than intentional. 

You could also try complaining on social media platforms. Often a company won’t respond if you’re messaging them privately, but if you’re telling all their other customers or potential customers about their misconduct, it discredits them on a public forum and they might be more willing to offer a quick solution. 

You must also make sure you follow the correct logical order when lodging a complaint, ensuring that you complain to your bank first before you take it any further. If you do not agree with their response, only then will you be able to go to the Bank of Spain with proof of your communication with your bank and their unsatisfactory response. 

Make sure to always write down complaint reference numbers and the names of the people you spoke to. 

When you contact your bank’s Servicio de Atención al Cliente (Customer Service), ask to speak to someone in English if you feel more comfortable explaining the situation than in Spanish. 

If your problem is related to insurance, an investment product or the protection of your personal data, you should contact the General Directorate of Insurance, the National Securities Market Commission or the Protection Agency for data, respectively instead of the Bank of Spain. 


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What to do about insects and other pests in your home in Spain?

Bugs and insects can sometimes be a problem in Spanish homes, particularly during the summer months. Here's what to do if you get an infestation and how to prevent them from happening.

What to do about insects and other pests in your home in Spain?

Fruit flies buzzing around the bins, cockroaches in the kitchen and ants invading your food cupboards can be a common sight in your Spanish home, more often than not in summer.

But what can you do when insects invade your home? 

What types of pests are common in Spain?

Bugs and insects that commonly invade homes in Spain include fruit flies, ants, stink bugs, cockroaches, pantry moths, plaster bagworms and mosquitoes.

Those who have pets may also have a problem with your animals bringing fleas and ticks into the home too.

READ ALSO: Ticks are proliferating in Spain: How to avoid them and protect yourself

These can cause a nuisance, not only flying around your home and biting you (in the case of mosquitoes, fleas and ticks), but they can get into your food and lay eggs in your cupboards.

How can I get rid of bugs in my home?

One of the most important ways you can keep insects and other bugs out of your home is to eliminate food sources.

This means always doing the washing up as soon as you’ve finished eating so there are no scraps laying around, sweeping kitchens and dining rooms regularly and putting opened food items in the fridge instead of the cupboards.

You also need to make sure you regularly empty your rubbish bin and that there are no gaps between the lid and the bin that flies can get in through.

Dusting, hoovering and general regular cleaning will also keep other insects at bay such as plaster bagworms and moths that lay larvae on your walls and ceiling.

Those with pets should make sure that animals are treated with flea and tick protection and combed through with special flea combs to make sure bugs are not stuck in their fur.

Summer can of course be very hot in Spain, with temperatures regularly in the high 30°Cs or even low 40°Cs in some parts of Andalusia and other regions, meaning that windows and doors are often left open to ensure a breeze. Unfortunately, this means that your home is more accessible to insects too.

If you can, get a fly screen for your doors and windows, so you can leave them open, but no bugs can get in. These fine mesh screens can be bought from hardware or home stores such as Leroy Merlin and can simply be lifted into place when you need them.

If you can’t get screens installed, then consider planting certain plants on windowsills or balconies. Lavender, basil, lemongrass and mint are all natural insect repellents.

Electric fly swats, ant traps and sticky paper can also all help eliminate pests in your home. 

READ ALSO: What venomous species are there in Spain?


When the situation becomes worse, simple everyday cleaning won’t suffice and you may need to use insecticides to kill the infestation. There are many different brands in Spain. Both Protect Home and Compo have several different products you can use.

If you don’t want to use chemical insecticides, natural ones made from white vinegar, citrus plants, or peppermint oil can also work.

Pest control

If the situation becomes completely out of control and you find that insects are not only entering your home but that they are breeding there too, it’s time to call in the professionals. Pest control services are available across Spain.

The first step is to check your home insurance to see if they will cover this service. If they won’t, they may be able to suggest a company that can help.

Otherwise, a quick Google search for ‘Control de plagas’ (pest control) and then your area should provide you with plenty of options.

According to the home website Habitissimo, pest control services in Spain can range from €80 up to €2,000 depending on the type of infestation you have, how serious the problem is and how big your property is. On average it will cost you around €267.