My wife and I have had ING accounts in Spain for over 10 years with no complaints. The accounts are managed online or by phone, although in recent years ING has opened some branch offices. We started off with a cuenta Naranja, the savings account. Given the fall in rates, the interest on it is now negligible of course. We also have Nomina accounts, into which pensions are paid. They come with credit & debit cards, also free. The Fondo de Garantia de Depositos, the Spanish equivalent of the FSCS, guarantees deposits up to 100,000€.
Compared to other Spanish banks, It's been hassle free banking without any charges.
On the subject of free banking, residents with Sabadell Expansion accounts probably already know the terms are changing at the end of the year. From then on the account will only be fee free if as well as putting in 700€/month, the holder has an insurance product from the bank (life/health/car/home), or leases a car from Sabadell or puts 10,000€ in one of the bank's investment products. Otherwise they'll be charging 5€/month maintenance fee.
Right at the bottom of the email giving me these details, almost as an afterthought, the account manager mentioned the charges wouldn't apply to account holders under 29 or pensioners who have their pensions paid into the account. We plan to take the latter option and have one pension paid in.
Sabadell have made various changes in the past, often at quite short notice and never to the benefit of the client, so it won't shock me if these conditions change again in the not too distant future.