La Caixa was one of the banks with lots of hoops. I'm currently with Catalunya Caixa and they had no hoops and I'm not paying anywhere near €15 a year for the card either. The other hoopful bank was BBVA but they've just recently acquired Catalunya Caixa so I can't guarantee they won't be bureaucracy mad now too.
On a side note the Post Office is doing a free account that I'll be looking into soon. I'll be wanting a red diesel card there too.