Every person has the right of access to a bank account with such basic functions like cash withdrawals, payment by card and transfers. To open an account, EU citizens and nationals from third countries holding residence permits have to present their ID card or passport. For asylum seekers and persons not holding any passport documents, it is sufficient to present their proof of the new arrival, the permission of stay or the residence toleration paper. You can apply for a basic account at the bank of your choice by submitting the completed application form. Account service fees and possibly a one-off fee for setting up the account have to be paid for the basic account. The basic account is a credit account, i.e. that you cannot run into debt by withdrawing or transfer more money than the available credit on the account. When you intend to open a giro account with credit facilities, please inform yourselves about it at a bank of your choice. Please consider that high costs may incur when you withdraw money in excess of the credit on the account.