Do I have a right to a bank account in the EU?

Yes. Every consumer legally resident in the EU, including people without a fixed address and asylum seekers, has the right to open a payment account with basic features. The bank must decide within 10 working days of a complete application.

A basic account covers deposits, cash withdrawals, direct debits, card payments and credit transfers. Fees must be reasonable or the account must be free of charge.

Directive 2014/92/EU (Payment Accounts Directive), Article 16, Article 17 · European Commission and the national banking supervisors

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