Basic Account
A current account for everyone.
Every consumer is entitled to a basic account on a credit basis, even without a steady income or with poor creditworthiness. Banks may only reject the application in narrowly limited exceptional cases. It enables transfers, direct debits, and card payments.
The relevant statutes
§ 31 ZKG
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Related terms
General explanation for self-help, not legal advice (RDG). Individual cases may differ: if in doubt, contact a consumer advice center or a lawyer.