In order to open a basic bank account, the customer must declare that he/she has been notified that his/her current account will be closed or that he/she does not hold another current account.

However, a customer holding other current accounts may open a basic bank account with a natural person over 65 years of age or with duly certified permanent disability of 60% or more, provided that such person qualifies for access to the basic bank accounts. In this case, the customer who already holds other current accounts is exempt from filing a signed declaration stating that he/she has been notified that his/her current account will be closed or that he/she does not hold another current account.

The opening of a basic bank account is made through the conclusion of a current account agreement, by completing and signing the forms for opening a current account, which constitute the agreement and are provided by credit institutions.