A Basic Account for Anyone Lawfully Resident in the Union, and a Central Bank That May Ask You to Prove a Genuine Interest
Answer
The general rule applies to you
No exception is recorded for citizens of Guyana on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
172 exceptions recorded across 63 countries · none match Guyana to Cyprus · Opening a bank account
Law 64(I)/2017 transposes the Payment Accounts Directive and article 17 is the provision a newcomer needs. Basic payment accounts are offered to consumers by all credit institutions, and not only by institutions that provide payment accounts solely online. Consumers lawfully resident in the Union - including those with no fixed address, asylum seekers, and people with no residence permit whose expulsion is impossible in law or in fact - have the right to open and use one with credit institutions established in the Republic, and that right applies irrespective of where the consumer lives. A bank must open the account or refuse within ten working days of a complete application, and a refusal has to be in writing, free of charge, with the specific reasons, and accompanied by the complaints route and the contact details of the alternative dispute resolution body. Cyprus takes up two options the Directive offers that not every member state does. The Central Bank may exempt a credit institution from the obligation altogether on a reasoned application, provided access for all consumers in the Republic is still assured and competition is not distorted. And the Central Bank may, by directive, require a consumer who wants to open a basic account in Cyprus to demonstrate a genuine interest in doing so - subject to the exercise of the right not being made particularly difficult or burdensome. A refusal is mandatory where opening the account would breach the anti-money-laundering law.
At a glance
- Who has the right
- Any consumer lawfully resident in the Union, wherever they live
Article 17(4) and (5) of Law 64(I)/2017, which names consumers with no fixed address, asylum seekers, and people without a residence permit whose expulsion is impossible.
- Which banks must offer it
- All credit institutions, and not only online-only ones
Article 17(1) and 17(3) of Law 64(I)/2017.
- Decision time
- Ten working days from a complete application
Article 17(7); the bank must either open the account or refuse within that period, without undue delay.
- A Cypriot option
- The Central Bank may require proof of a genuine interest in opening the account here
Article 17(6), subject to the proviso that exercising the right must not be made particularly difficult or burdensome for the consumer.
- Another Cypriot option
- The Central Bank may exempt a credit institution from offering basic accounts
Article 17(2), on reasoned application, provided access for all consumers in the Republic remains assured and competition is not distorted; the exemption can be revoked.
- When a refusal is compulsory
- Where opening the account would breach the anti-money-laundering law
Article 17(8), which refers to the Prevention and Suppression of Money Laundering Activities Law.
- Already having an account
- A bank may refuse if you already hold one here that gives you the article 18 services
Article 17(9), unless you declare that you have been told your existing account is about to be closed.
- What the account must do
- Opening and closing, deposits, cash withdrawals anywhere in the Union, direct debits, card payments including online, and credit transfers
Article 18(1), with an unlimited number of transactions under article 18(4) and at least the national currency under article 18(3).
Requirements
- Lawful residence in the European Union, which need not be residence in Cyprus
- Identity and status documents sufficient for the bank's anti-money-laundering checks
- Where the Central Bank has so directed, evidence of a genuine interest in opening the account in Cyprus
Country-level policy
The Office of the Law Commissioner prints bound editions of Cypriot statutes and the Republic serves them as PDFs from gov.cy. The edition of the Aliens and Immigration Law, Cap. 105, is dated August 2024 and carries the amendments down to Law 111(I) of 2024. Its own legal notice then withdraws most of what a reader would take it to be: the edition does not constitute a consolidation in the proper sense of the term, because the sections were not renumbered and it was never approved by the House of Representatives; it is published for practical convenience and does not replace the text of the laws it brings together; and only the texts published in the printed Official Gazette are authentic. The English edition of the free-movement Law 7(I)/2007 says the same thing in English, and adds that it is a translation. What fills the gap is a commercial service: CyLaw, run by the Cyprus Bar Association, publishes consolidated texts that are materially more current than the state's own - its Income Tax Law carries the rate bands that apply from tax year 2026, where the Tax Department's own PDF of the same Act still prints the bands of 2008. The Health Insurance Organisation, a statutory body of the Republic, links its readers to CyLaw for the consolidated text of its own founding Act rather than to anything the state publishes.
What applies to you
Nothing changes for a citizen of Guyana
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«17.-(1) Οι λογαριασμοί πληρωμών με βασικά χαρακτηριστικά προσφέρονται στους καταναλωτές από όλα τα πιστωτικά ιδρύματα.»Our translation - not official
17.-(1) Payment accounts with basic features are offered to consumers by all credit institutions.
Cyprus takes the stronger of the two options the Directive gives: all credit institutions, rather than a sufficient number of them.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«(2) Παρά τις διατάξεις του εδαφίου (1) του παρόντος άρθρου, η Κεντρική Τράπεζα δύναται να εξαιρέσει πιστωτικό ίδρυμα από την υποχρέωση παροχής λογαριασμών πληρωμών με βασικά χαρακτηριστικά, κατόπιν αιτιολογημένης αίτησης τέτοιου ιδρύματος, νοουμένου ότι εξασφαλίζεται η πρόσβαση σε λογαριασμούς πληρωμών σε όλους τους καταναλωτές στην επικράτειά της Δημοκρατίας και αποτρέπονται στρεβλώσεις του ανταγωνισμού:»And then lets the Central Bank take an institution back out of it, on a reasoned application.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«(3) Οι λογαριασμοί πληρωμών με βασικά χαρακτηριστικά δεν προσφέρονται μόνο από πιστωτικά ιδρύματα που παρέχουν λογαριασμούς πληρωμών αποκλειστικά μέσω διαδικτυακών υπηρεσιών.»Our translation - not official
(3) Payment accounts with basic features are not offered only by credit institutions that provide payment accounts exclusively through online services.
The same exclusion of online-only banks that Greek law makes.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«(4) Οι καταναλωτές που διαμένουν νόμιμα στην Ευρωπαϊκή Ένωση, συμπεριλαμβανομένων των καταναλωτών που δεν έχουν σταθερή διεύθυνση κατοικίας και των αιτούντων ασύλου, καθώς και οι καταναλωτές που δεν είναι κάτοχοι άδειας παραμονής, αλλά των οποίων η απέλαση είναι αδύνατη για νομικούς ή πραγματικούς λόγους, έχουν το δικαίωμα να ανοίξουν και να χρησιμοποιήσουν λογαριασμό πληρωμών με βασικά χαρακτηριστικά στα πιστωτικά ιδρύματα που είναι εγκατεστημένα στη Δημοκρατία.»Our translation - not official
(4) Consumers who are lawfully resident in the European Union, including consumers who have no fixed residential address and asylum seekers, and consumers who do not hold a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features at credit institutions established in the Republic.
The right itself.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«(6) Η Κεντρική Τράπεζα δύναται με οδηγίες που εκδίδει δυνάμει των διατάξεων του άρθρου 32 του παρόντος Νόμου, και με πλήρη σεβασμό των θεμελιωδών ελευθεριών που διασφαλίζονται με τις Συνθήκες, να απαιτεί από τους καταναλωτές που επιθυμούν να ανοίξουν λογαριασμό πληρωμών με βασικά χαρακτηριστικά στην Δημοκρατία, να αποδείξουν γνήσιο συμφέρον:»Our translation - not official
(6) The Central Bank may, by directives issued under the provisions of article 32 of this Law, and with full respect for the fundamental freedoms guaranteed by the Treaties, require consumers wishing to open a payment account with basic features in the Republic to demonstrate a genuine interest in doing so:
The genuine-interest option, which is the one most likely to be met in practice by someone who does not yet live in Cyprus.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«(7) Τα πιστωτικά ιδρύματα που προσφέρουν λογαριασμούς πληρωμών με βασικά χαρακτηριστικά ανοίγουν τον λογαριασμό πληρωμών με βασικά χαρακτηριστικά ή αρνούνται την αίτηση καταναλωτή για λογαριασμό πληρωμών με βασικά χαρακτηριστικά, σε κάθε περίπτωση χωρίς αναίτια καθυστέρηση και το αργότερο εντός δέκα (10) εργάσιμων ημερών από την παραλαβή ολοκληρωμένης αίτησης.»Our translation - not official
(7) Credit institutions offering payment accounts with basic features shall open the payment account with basic features or reject a consumer's application for a payment account with basic features, in each case without undue delay and at the latest within ten (10) working days of receipt of a complete application.
The deadline.
Read it at the sourceAbout this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
«1. Member States shall ensure that payment accounts with basic features are offered to consumers by all credit institutions or a sufficient number of credit institutions to guarantee access thereto for all consumers in their territory, and to prevent distortions of competition. Member States shall ensure that payment accounts with basic features are not only offered by credit institutions that provide payment accounts with solely online facilities.»The Union obligation Cyprus transposed, and the choice it offers that article 17(1) of the Cypriot Law resolves in favour of all credit institutions.
Read it at the sourceAbout this source
The Union's legal database. Publishes each act as adopted in the Official Journal and, separately, a consolidated version carrying every amendment to a stated date, identified as 0YYYYRNNNN-YYYYMMDD. The consolidated text marks each amended passage with the instrument that changed it.
Standing: Maintains the text in force
Cannot be cited for: A consolidated text is explicitly not authentic - EUR-Lex says so on the document - and only the Official Journal version has legal force. It also says nothing about how any member state applies the act: a regulation is directly applicable but the border practice, the evidence an officer may ask for and the national exceptions are in national law, which is published elsewhere.
We re-read it every 90 days. More about this source
«2. Member States shall ensure that consumers legally resident in the Union, including consumers with no fixed address and asylum seekers, and consumers who are not granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory.»The Union wording of the right, which the Cypriot Law follows closely.
Read it at the sourceAbout this source
The Union's legal database. Publishes each act as adopted in the Official Journal and, separately, a consolidated version carrying every amendment to a stated date, identified as 0YYYYRNNNN-YYYYMMDD. The consolidated text marks each amended passage with the instrument that changed it.
Standing: Maintains the text in force
Cannot be cited for: A consolidated text is explicitly not authentic - EUR-Lex says so on the document - and only the Official Journal version has legal force. It also says nothing about how any member state applies the act: a regulation is directly applicable but the border practice, the evidence an officer may ask for and the national exceptions are in national law, which is published elsewhere.
We re-read it every 90 days. More about this source
Practical notes
The genuine-interest requirement is an option in article 16(2) of the Directive and Cyprus has written it into its own Law as a power of the Central Bank. Whether the Central Bank has in fact issued a directive exercising it was not established: the Central Bank's own pages could not be read for this record, and nothing in the Law itself says.
A basic payment account is a floor, not the market. What a Cypriot bank asks of a non-resident opening an ordinary account is a matter for that bank and is not recorded here.
The Law is quoted from the Bar Association's consolidation, which carries the amendment made by Law 124(I) of 2020. The Republic publishes no consolidated edition of it.
- consolidatesΟ περί της Συγκρισιμότητας των Τελών, της Αλλαγής Λογαριασμού Πληρωμών και της Πρόσβασης σε Λογαριασμούς Πληρωμών Νόμος του 2017 (64(I)/2017), ενοποιημένο κείμενο
CyLaw, Παγκύπριος Δικηγορικός Σύλλογος (Cyprus Bar Association)
About this source
The legal-information service of the Cyprus Bar Association at https://www.cylaw.org/, and in practice the only place a consolidated Cypriot statute can be read. Each Act has an address of the form /nomoi/enop/non-ind/<year>_<part>_<number>/full.html - the Income Tax Law 118(I)/2002 at /2002_1_118/full.html, the Civil Registry Law 141(I)/2002 at /2002_1_141/full.html, the General Healthcare System Law 89(I)/2001 at /2001_1_89/full.html, the Driving Licence Law 94(I)/2001 at /2001_1_94/full.html, the research-and-studies Law 7(I)/2019 at /2019_1_7/full.html, the payment accounts Law 64(I)/2017 at /2017_1_64/full.html. Every page opens with an Ιστορικό Τροποποιήσεων listing each amending Act in order, and each provision is followed by the Acts that made it, so the amendment chain is readable rather than inferred. The consolidations are materially more current than the state's own: the Income Tax Law here carries amendments to 67(I)/2026 where the Tax Department's PDF stops at 219(I)/2025. The pages are served in a non-Unicode encoding that a plain client renders as mojibake; the project's fetcher handles it and the stored text is clean Greek.
Standing: Maintains the text in force
Cannot be cited for: **It is not a government publisher.** It is the Bar Association's service, it carries no statement of authority, it states no cut-off date for any consolidation, and nothing on it has legal force - the authentic text is the printed Official Gazette, as the Office of the Law Commissioner's own editions say. It must therefore never be the only source behind a topic: every Cyprus record that quotes it also carries a government source. It cannot be cited as proof that a provision is in force, only as the best available reading of what it now says, and a figure taken from it that contradicts a government publication has to be reported as a contradiction rather than resolved in its favour. It is worth noting who relies on it anyway: the Health Insurance Organisation, a statutory body of the Republic, links its own readers here for the consolidated text of the General Healthcare System Laws.
We re-read it every 60 days. More about this source
- consolidatesDirective 2014/92/EU
EUR-Lex, Publications Office of the European Union
About this source
The Union's legal database. Publishes each act as adopted in the Official Journal and, separately, a consolidated version carrying every amendment to a stated date, identified as 0YYYYRNNNN-YYYYMMDD. The consolidated text marks each amended passage with the instrument that changed it.
Standing: Maintains the text in force
Cannot be cited for: A consolidated text is explicitly not authentic - EUR-Lex says so on the document - and only the Official Journal version has legal force. It also says nothing about how any member state applies the act: a regulation is directly applicable but the border practice, the evidence an officer may ask for and the national exceptions are in national law, which is published elsewhere.
We re-read it every 90 days. More about this source