Any natural person may hold a basic bank account if he or she does not hold another current account.

However, there are some exceptions:

• A natural person holding other current accounts may be co-holder of a basic bank account with a person over 65 years of age or with duly certified permanent disability of 60% or more who has no other accounts;

• A natural person co-holding a basic bank account with a person over 65 years of age or with duly certified permanent disability of 60% or more can access a basic bank account, if he/she does not have other current accounts;

• A customer who has been notified that their current account will be closed may request the opening of a basic bank account.