Why do they do that?

Spanish Banks that is. They make a charge for me leaving my money with them. They earn money from that, which they keep for themselves. Then, when I set up a Direct debit for a utility bill, each month, they send me a letter telling me that they have sent the payment. They charge me for that too. I should have opened a Bank.

The Big Game Plan....

It's good to plan ahead. In this instance, years ahead, take on extra borrowing and try and fund an idyllic retirement by having a place on the Med, and a place in a Swiss alpine village. Lots of "if's" and "buts", though most of it comes down to money..As usual.