"The question is, how much are these 21 days worth to you. What you describe is typical in banking and a result of how the banking system works."
To me typical banking means "sheet". For example, in England I got 100 pounds for opening and using a student account (nice example of typical customer care)
Back in Spain I am told I have to pay 4 euros to get cash from a cash machine (excuse me??????)
Typical is far away from fair or acceptable.
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I forgot to mention it's the SAME bank
Different countries, different rules.
But yes, Spain is extremely expensive. I live on the Canary Islands which is Spanish territory and have made similar experiences.