I have an old " residents " account with Santander and use my Nationwide debit card for cash on occasions at ATM - Santander don't charge for cash & Nationwide only charge 2% for purchases .
My Santander is only a deposit Acc. ,I don't have card for it & I only use it to pay bills by standing order charging me around €3 per month .
I nearly always just deposit cash in my account rather than bank transfers having exchanged money locally . I also occasionally use a prepaid Caxton FX currency card that can be topped up on-line .
I have never had any serious issues though I find they are busy and understaffed at San Eugenio .They have staff who speak English .
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