The basic bank account includes:

• Opening and maintaining a current account – the basic bank account.
• Providing a debit card to operate the account, which cannot be more restrictive than other debit cards made available outside the regime.
• Access to the basic bank account through ATMs in the European Union, homebanking service and the credit institution’s branches.
• Execution of deposits, withdrawals, payments of goods and services and direct debits.
• Execution of intra-bank transfers (i.e. transfers to accounts opened with the same credit institution), without restriction on the number of transactions that can be carried out.
• Execution of interbank transfers (i.e. transfers to accounts opened with other institutions) through ATMs, without restrictions on the number of transactions that can be carried out, and via homebanking or the institutions’ own applications, in which case there is a maximum for each calendar year, of 48 interbank transfers nationally and within the European Union.
• Five transfers each month via payment applications operated by third parties for an amount equal to or less than €30 per transaction. These transfers are in addition to the 25 transfers made in the same month, up to a limit of €30 per transaction and €150 transferred through the application in the same month, without the collection of additional fees, allowed to all customers.