RightNOW Spain

Bank blocked your account in Spain without explanation

EN bank

If your bank has blocked account access without giving a reason, you have the right to a written explanation. A verbal response is not enough.

Quick answer

NAVI

NAVI will prepare the right complaint.

NAVI will draft the written request and customer services complaint with your evidence.

Send a written request to the bank asking for the reason for the block and how to resolve it.
State a deadline: 5 working days for a written explanation.
If no response: file a customer services complaint with dates and your request.
Keep all correspondence: screenshots, emails, online banking messages.
If funds are held: specify the amount and request immediate release.

Write to the bank in writing. Not just a call or branch visit.
State clearly: account number, date of block, what you have tried so far.
Give a 5 working day deadline for the explanation.
File a customer services complaint immediately after the deadline passes without a response.

Verbal response from branch: not formal. Request the same in writing.
No proof that you asked for an explanation: weakens the customer services complaint.
Waiting too long without escalating: gives the bank more time to sustain the block.
No documentation of the block date: harder to demonstrate the duration of the problem.
Going straight to the central bank: a prior customer services complaint is required first.

Tell NAVI. Central bank complaint route ready.

Information only, not legal advice. Public authorities, courts, banks and companies make their own decisions.

Protection Plan · subscription

Included: checks of Spanish documents, letters, requests and contracts before signing, Action Plans, consultation and sending your claims by burofax.

€29.90 / month VAT included. Open Protection Plan