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In the Official Journal of 19 June was issued the decree of the Ministry of Economy which identifies the beneficiaries and specifies the requirements, operation and costs of the "basic account". What is it, says the Center for Research and Consumer Protection. The basic account is a normal current account, also with online functions, intended for consumers with limited financial needs. Mainly meets the purposes of financial and social inclusion.
In its paid version, it provides that, "against the sole payment of an all-inclusive annual fee and without charging any other expenses, fees or commissions of any kind whatsoever", the bank offers a pre-established number of transactions and services including debit cards, salary or pension credits, household domiciliation. The law speaks of an amount of the all-inclusive annual fee "reasonable and consistent for the purposes of financial inclusion" which in no case exceeds the median amount of expenditure applied during the six previous months to consumers for the same operations. A formula, says the Crtcu, "which leaves us perplexed and which will no doubt legitimize once again an unpretentious and transparent attitude on the part of the banks".
Then there is the basic account free of charge and exempt from stamp duty for consumers whose Isee (indicator of the economic situation) is less than 11,600 euros. Consumers who request the opening of the free basic account must declare that they do not have any other basic account and that they self-certify their account.
The basic account is also free for pensioners up to 18 000 € of gross pension, a pejorative limit compared to the previous year when it amounted to 1 500 € net per year. month, ie € 18,000 net per year
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