this post was submitted on 18 Jan 2026
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I am not sure what the problem is, but if you are a legal resident in an EU country you are entitled to open a "basic payment account". Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established.
Do you think all banks follow the rules? And if they don't, do you think I, as a lone citizen, have the resources to fight a bank?
You don't fight the bank, you just follow the correct procedure and they will comply.
I don't know where you are, but you may think to contact the consumer protection agency in the country. I fairly believe all banks follow this rule.
I already have and am now more than a year into a process against a bank here with no end in sight. If I were to fight against all banks, it would take me a life time. There are many banks I have complained to but the most you can get most of the time is a tired "it's for security", "it's for compliance", "we do our best to serve our customers but we cannot serve the needs of everybody", and so on. Believe me when I say, it's far from "all" banks that follow the rule.
Here's an example from France "La Banque Postale"
which translate to
The next one in the search results was "Credit Agricole". To open a bank account, you need to enter your postal code and it only accepts French post codes.
Did the same with German banks, Spanish, even Slovak banks. If you're outside of the country, chances are you cannot open a bank account. That's the problem I have with being in the European Union and not in the European Federation or European Republic.