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ECONOMY

How rural Spain is rebelling against rampant bank closures

Life in many parts of 'empty Spain' is becoming increasingly challenging as a result of the closure of hundreds of bank branches, making it impossible for many to withdraw cash. But rural communities are fighting back.

How rural Spain is rebelling against rampant bank closures
In rural Spain people are protesting bank closures. Photo: Cesar Manso/AFP

Over the past year, all of Spain’s biggest banks have closed hundreds of branches, laying off thousands of staff in the process.

This decision has hit residents in rural areas of the country particularly hard, who now find it increasingly difficult to access their savings in cash.

In fact, The Bank of Spain warned that almost three percent of the Spanish population, around 1.3 million people, find it difficult to get their hands on legal tender.

This rings particularly true in rural areas in the Spanish regions of Castilla y León, Galicia, Aragón and Andalusia, where people, especially the older population, are finding it difficult to access their pensions and deal with online banking systems.

This problem, among others, is pushing people out of rural areas in Spain, making the depopulation in these areas even worse.

Fighting back

In Galicia, the announcement of new office closures has led to a wave of protests across the most affected municipalities. Abanca has recently closed several of its offices in the region, affecting some 10,000 residents.

These disgruntled account holders will now join the 50,000 other Galicians from 45 different municipalities that, according to the Galician Institute of Statistics, did not have branches or ATMs in their municipalities at the beginning of the year. The majority of these are located in and around Ourense and A Coruña.  

Abanca’s decision to close its branches is “unprecedented aggression against rural areas” which also targets the elderly, Carlos Costa, mayor of the Pontevedra town of Campo Lameiro argues.

Abanca justified their closures by saying that they are reorganising and that they plan to have “larger offices with more staff and a greater degree of specialisation”.

In 2008, before the merger of the savings banks, Galicia had 2,534 branches. Now there are only half left. President of the Galicia region Alberto Núñez Feijóo blames the central government for not passing a law that prevents these closures.

Photo: Jorge Guerrero/AFP

It’s in the region of Castilla y León however where the rural communities are most affected by the shortage of banks and ATMs. Here, protests by residents and city councils against depopulation and closures are increasingly common. Zamora and Ávila are the two provinces that have the fewest banks. 

Large banks continue to close branches in Extremadura as well. The Bank of Spain’s report for the first quarter of the year stated that four BBVA branches and seven Santander branches have disappeared since the beginning of the year.

Unicaja, which has just completed the absorption of Liberbank, has closed an office in the Extremaduran province of Cáceres. This equates to twelve bank branches closures in just three months.

Teruel Existe, a political group based in the province of Teruel in Aragón, has also been fighting the closures of financial offices in their province and has demanded a greater presence of branches in underpopulated areas.

In April 2021 two of Spain’s biggest banks announced thousands of layoffs. 8,300 jobs were axed at CaixaBank and 3,800 at its smaller rival BBVA, accounting for 16 percent of the workforce.

Last year Banco Santander, Spain’s largest bank also laid off 1,800 staff members. 

Potential solutions

In early 2021, the Salamanca Provincial Council created a system that incorporated ATMs into the library buses.

Valladolid has also invested in five public ATMs that will be installed in centres where they had been withdrawn years ago.

Banco Santander came up with its own potential solution when it sealed an agreement with Correos so that its customers can use the 4,675 post office service points from the first quarter of this year for free if the financial institution does not have a physical presence in the municipality.

The Bank of Spain has also proposed that money could be withdrawn from lottery booths or tobacco shops. The practice of asking for’ cash back’ in supermarkets and other convenience stores in the UK and Ireland has been commonplace for years.   

This practice was put into operation in 2016 by the ING bank in Spain when it signed agreements with Dia supermarkets and the Galp and Shell gas stations so that through its Twyp Cash app, you can withdraw between €20 and €150 in about 3,500 establishments.

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LIFE IN SPAIN

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?

Insecticides

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.

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