Who can request them?

All credit institutions

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 payment accounts shall be obliged to offer basic payment accounts to potential customers who:

  • Reside legally in the European Union, even if they do not have a fixed address.
  • Are asylum seekers.
  • Do not have a residence permit but whose deportation is impossible.

 Is there any reason why you can be denied the possibility of opening this type of account?

  • You are already the holder of a current account in Spain.
  • The opening of the account is against the interests of national security or public order.
  • You do not provide the information requested by the institution to comply with its obligations regarding money laundering or terrorist financing.


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