I lived in Spain for four years. When I left, I never closed my account. Recently, I called the bank and they said that I had a negative 5 euro balance, and, to close the account, I needed to contact the branch where I opened it. They told me there were no fees associated with it and that the account was frozen.
A month or two later, I called them and they said that to close the account fully I need to pay maintenance fees and, in total, I owe them 137 euros. Evidently, there were fees. What should I do? Is it possible to pay the five euros and then do nothing?
The banks report these things, and you can be denied banking later. You have to appeal to their common sense. They don’t have any, it’s Excel sheets. Keep letters and emails about ending service. In general, there’s no fee for accounts that are not used, where the bank would refuse a deposit.