We are planning on retiring to Fuerte in 2 years time and are finding it hard to get our heads around the money side of things, in particular we are having trouble getting our heads around the best bank aspect, we will have pensions as well as the state pension, income from investing the proceeds of the sale of our house in the uk, and a healthy current account balance. Is it best to transfer funds from UK monthly, or have income paid direct into a Spanish bank?