Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 — Payment Accounts Directive (PAD).
Implemented in Belgium through Book VII, Title 3, Chapter 8, Articles VII.56/1–VII.59/3.
Key Provision
Article 16 — Right of Access to a Payment Account with Basic Features
This provision requires EU Member States to ensure that any consumer legally residing in the European Union has the right to open and use a basic payment account.
This right applies regardless of the person’s place of residence.
The concept of legal residence covers not only EU citizens but also third-country nationals who have a legal basis for staying in the EU. The Directive explicitly includes asylum seekers.
Another Important Provision
Article 15 — Non-discrimination
Banks must not discriminate against applicants on the grounds of nationality or place of residence when they apply to open a payment account.
These provisions establish an important legal framework for Ukrainian citizens residing in Belgium under temporary protection.
Source: Directive 2014/92/EU — EUR-Lex
Oorspronkelijke bericht op Telegram → https://t.me/refugeesinBelgium/199246