Individuals who do not hold any current account in the banking system;
Individuals who are holders of a single current account and have been notified that it will be closed;
Individuals who hold a single current account and wish to convert it into a Minimum Banking Services account;
Individuals who are holders of other demand deposit accounts but who wish to open a Minimum Banking Services account in which one of the holders is over 65 years old or is dependent on third parties (ie, who has a degree of permanent disability, duly proven by the competent entity, equal to or greater than 60%);
Individuals who, being co-holders of accounts under the terms of the previous paragraph, do not hold any other demand deposit accounts and wish to individually access the Minimum Banking Services account.
Access to a Minimum Banking Services account does not depend on the purchase of other products or services.
Holders of Minimum Banking Services accounts cannot hold other current accounts and must carry out at least one operation included in the minimum banking services in each 24-month period.
Holders of Minimum Banking Services accounts may contract other products and services not included in the same, under the applicable pricing conditions.
The annual fee is €4.20 (including stamp duty at a rate of 4%), this amount cannot exceed 1% of the value of the social support index (IAS). The commission is charged monthly in the amount of €0.34 of commission plus €0.01 stamp duty.
On the Best Visa Debit debit card.
Deposits, cash withdrawals, payments for goods and services, direct debits, intrabank credit transfers and/or intrabank standing orders without restriction as to the number of operations that can be carried out, transfers made through ATMs, 24 SEPA+ credit transfers and/or SEPA+ standing orders per calendar year (national and European Union) made through homebanking and 5 transfers monthly, with a limit of 30 euros each, through payment applications operated by third parties.
Through automated teller machines in the European Union, homebanking, Banco Best investment centers and novobanco branches (cash deposits and withdrawals).
Possibility of contracting other products and services not included in the Minimum Banking Services account, under the applicable pricing conditions.
In the event of a dispute with the credit institution, Minimum Banking Service account holders can access alternative dispute resolution means – see here
If the Customer has deliberately used the account for purposes contrary to the law;
If the Customer has not carried out any operation included in the minimum banking services for at least 24 consecutive months;
If the Customer has provided incorrect information to obtain the Minimum Banking Services account, when it did not fulfill the respective access requirements for the same;
If the Client is no longer a legal resident in the European Union, not being a consumer without a fixed address or asylum seeker under the Geneva Convention of 28 July 1951, concerning the Status of Refugees and the respective Protocol of 31 of January 1967, as well as other relevant international treaties;
If, during its term, it is found that the holder has another current account with of the Bank or any other credit institution, except in cases where (i) being that other collective account, one of the holders is over 65 years old or is dependent on third parties (i.e., who has a degree of permanent disability, duly proven by the competent entity, equal to or greater than 60%) or in which (ii) being co-owner of an account under the terms of the previous paragraph, does not hold any other demand deposit accounts and has individually accessed to the Minimum Banking Services account.
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