What is the purpose of the bank account holder certificate? Can I be charged a fee?

12/07/2019

At some point you may need to present a holder certificate for certain procedures, such as paying bills and taxes by direct debit from your bank account, receiving a subsidy, depositing a grant that has been awarded to you or taking out certain products with a financial institution, etc.

The bank account holder certificate is an official document issued by your bank, which serves to certify the person or persons holding a given account.

That said, the fees for the services provided by credit institutions are, in general, those freely established between those institutions and the customers. Therefore, if you have requested or expressly accepted the issue of a bank account holder certificate, it is worth bearing in mind that your institution may charge you a fee for issuing this document, provided that it meets the above-mentioned requirements and, in any case, it informs you of the cost in advance.

The document provided by the institution must be duly signed and dated and contain certain information, e.g. the name of the bank in question, the date the account was opened, the

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, the Bank Identifier Code (BIC) and the name of the holder, accompanied by their respective identification documents.

If you need this document, before visiting your branch, check with your bank about the various ways of obtaining it. More and more banks are offering the option of obtaining this certificate through online banking.