How do you communicate with your bank? In writing? By phone? Online?

09/12/2025

At some point in our relationship with our bank we have had to ask for information or carry out a procedure without stopping to think about which channel we were using. And we often tend to ignore that the proper, more formal way of doing this is in writing. Having evidence in writing enhances our mutual understanding and allows us to ensure that our requests or complaints have legal backing.

This is why we must write the document in a clear and structured manner, including all the identification data needed, detailing the pertinent facts and attaching the relevant documents.

One of the main advantages of contacting your bank through formal channels is that every interaction is recorded. This means that in the event of a disagreement or mistake you can submit proof of what you asked for and of the response you received. Also, formal channels are usually managed by specialised staff, which improves service quality and allows you to access solutions that are more in line with your needs.

There are several channels available to establish a formal communication. The most common is probably by email. You can also write a formal letter (especially useful for important procedures or complaints) that you can deliver at the branch or send by certified post. Another option is the use of online forms and digital platforms offered by banks, where you can select the type of enquiry and track its status. In any case, be sure to keep a copy or screenshot of your communications.

Communicating by telephone is still a valid option – less formal than in writing, but effective when you need to obtain or confirm information from your bank. Lastly, visiting the branch in person may be necessary for procedures requiring identity verification or documents to be signed, and it also allows you to resolve any doubts you may have directly with an adviser. In this case, you should take a copy of the documents you provide and request a copy of those you sign and of the information provided to you.

In short, communicating formally with your bank is advisable, as it provides clarity, security and efficiency in the management of your financial affairs.

Lastly, bear in mind which  means of communicationAbre en ventana nueva you have agreed to use with your bank.