{"id":3098,"date":"2025-10-14T20:16:55","date_gmt":"2025-10-14T18:16:55","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3098"},"modified":"2026-02-26T13:33:47","modified_gmt":"2026-02-26T12:33:47","slug":"basic-payments-account","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/payments-for-all\/basic-payments-account\/","title":{"rendered":"Basic Payments Account"},"content":{"rendered":"\n<p>ou can apply for a basic payments account in the EU if you are unable to obtain a standard payments account and have not yet been assigned a \u2018<a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/special-accounts-and-services\/basic-bank-account\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/special-accounts-and-services\/basic-bank-account\/\"><strong><u>basic banking account<\/u><\/strong><\/a>\u2019. A basic payments account is a stripped-down regular payments account that usually does not include a credit card, savings, loans, or overdraft facilities. You will receive a standard debit card that you can use to pay at point-of-sale and online and to withdraw cash. You can also send and receive account-to-account transfers and pay by direct debit.<\/p>\n\n\n\n<p>Someone with a passport from an EU country who lives outside the EU is not entitled to a basic payments account. Nevertheless, an individual bank in the EU may decide to approve an application for a payments account from a non-resident.<\/p>\n\n\n\n<p>The Dutch government provides <a href=\"https:\/\/www.rijksoverheid.nl\/onderwerpen\/betalingsverkeer\/vraag-en-antwoord\/afwijzing-betaalrekening-consument\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>more information about the basic payments account<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> and the rights and obligations that apply to it.<\/p>\n\n\n\n<p><strong>Please note: <\/strong>A so-called \u2018basic <strong>bank<\/strong> account\u2019 is not the same as a basic <strong>payments<\/strong> account! A \u2018basic <strong>bank<\/strong> account\u2019 is for people who cannot even get a basic <strong>payments<\/strong> account, for example because they have previously misused a payments account for fraud or scams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-selection-tool\">Selection tool<\/h2>\n\n\n\n<p>Are you unable to open a regular payments account? The Dutch Payments Association offers an online selection tool that you can use to find out whether you are eligible for a basic payments account or a basic <strong>bank<\/strong> account.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.basisbankrekening.nl&#x2F;advies-aanvragen-betaalrekening&#x2F;\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tGo to the online selection tool for basic payments and basic bank accounts (in Dutch)\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In principle, every EU resident is entitled to a \u2018basic payments account\u2019 if they are unable to obtain a standard payments account.<\/p>\n","protected":false},"featured_media":601,"parent":17,"menu_order":0,"template":"","meta":{"_acf_changed":false,"editor_notices":[]},"btv_subject_tax":[15,6],"class_list":["post-3098","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-payments-for-all","btv_subject_tax-special-accounts-and-services"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - 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