Minimum Banking Services Account

• Natural person who does not hold any current account or who holds a single current account that can be converted into a Basic Bank Account.
• A natural person who holds another current account can hold a Basic Bank Account with a natural person over 65 or dependent on a third party (with a degree of permanent disability equal to or greater than 60%).
• A natural person who already holds a Basic Bank Account with a natural person over the age of 65 or who is dependent on a third party can access a Basic Bank Account individually if they do not have another current account.
• A natural person who holds a current account with another credit institution, who declares on the appropriate form that they have been notified that the account will be closed. Issuing this declaration is optional but any refusal constitutes grounds for the Bank to refuse to open the Basic Bank Account.

• Not hold a current account, except in the case of co-holding the Basic Bank Account with a natural person over 65 or dependent on a third party (degree of permanent disability equal to or greater than 60%).
• Carry out at least one of the banking operations included in the Basic Bank Account in the last 24 consecutive months.
• Be entitled to reside in a Member State by virtue of European Union or national law, including consumers with no fixed residence, asylum seekers and consumers who are not granted a residence permit but whose deportation is impossible for reasons of fact or law.
• Access to the Basic Bank Account does not require the purchase of other products or services.

• Opening and maintaining a current account - the Basic Bank Account.
• Provision of a debit card to operate the account.
• Account movement via cash machines in the European Union, home banking and BPI branches.
• Making deposits, withdrawals, payments for products and services, direct debits.
• Carrying out intra-bank transfers (transfers to the institution's own accounts) without restrictions on the number of operations that can be carried out.
• Carrying out interbank transfers (SEPA+ Credit Transfers and SEPA+ Standing Orders), through ATMs, with no restriction on the number of operations that can be carried out, and home banking (Online - BPI Net and BPI App Mobile Device), in which case there is a maximum of 24 national and European Union interbank transfers per calendar year.
• Transfers through payment applications operated by third parties (MB Way), with a limit of 5 transfers per month and an amount equal to or less than € 30 per transaction.

Other products or services not included in the Basic Bank Account may be contracted, subject to the fees and expenses provided for in the price list in force. The Basic Bank Account: cannot have a negative balance, cannot be used to contract overdraft facilities, and cannot be used beyond its balance (credit overruns). The credit overrun restriction does not apply to debit card transactions (e.g. toll payments).

The Maintenance fee for the Basic Bank Account is €4.24 per year, charged monthly at €0.34 commission plus €0.01 Stamp Duty (4%). The maintenance fee for a Basic Bank Account may not exceed 1% of the social support index.