The Right to a Basic Account Follows Lawful Residence in the Union, and the Online-Only Banks Are Excused from Offering It
Answer
The general rule applies to you
No exception is recorded for citizens of Bulgaria on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
154 exceptions recorded across 56 countries · none match Bulgaria to Greece · Opening a bank account
Law 4465/2017 transposes the Payment Accounts Directive and article 16 is the provision that matters to a newcomer. Consumers lawfully resident in the Union have the right to open and use a payment account with basic features at credit institutions established in Greece, and that right applies irrespective of where the consumer lives - so a resident of another member state may open one here. People with no fixed address, asylum seekers, and people without a residence permit whose removal is impossible in law or in fact have to produce the public documents proving identity or status, and for them the account may be opened for any lawful purpose. Two Greek details sit beside the Union rule. The obligation to offer the account falls on all credit institutions offering payment services to consumers except those providing payment accounts exclusively online, which the Greek Act exempts by name. And a bank must decide within ten working days of a complete application, refuse in writing and free of charge with the specific reasons, and point the consumer at the complaints route and the alternative dispute resolution body. A refusal is mandatory where opening the account would breach the anti-money-laundering chapter of Law 3691/2008, and permitted where the consumer already holds such an account in Greece.
At a glance
- Who has the right
- Consumers lawfully resident in the Union, irrespective of where they live
Article 16(2) of Law 4465/2017.
- Residence in Greece
- Not required; the right turns on lawful residence in the Union
Article 16(2), second sentence, of Law 4465/2017, which says the right applies irrespective of the consumer's place of residence.
- Which banks must offer it
- All credit institutions offering payment services to consumers, except online-only providers
Article 16(1) of Law 4465/2017.
- Decision time
- Ten working days from a complete application
Article 16(3) of Law 4465/2017, which also sets the refusal in writing and free of charge.
- People with no residence permit
- Covered where removal is impossible in law or in fact, on production of public identity documents
Article 16(2), second subparagraph, of Law 4465/2017, which also names asylum seekers and consumers with no fixed address.
- Tying
- Access may not be made conditional on buying other services or shares, unless every customer must
Article 16(8) of Law 4465/2017.
- What the account must do
- Opening, operating and closing; deposits; cash withdrawals anywhere in the Union; direct debits, card payments including online, and credit transfers including standing orders
Article 17(1) of Law 4465/2017, with an unlimited number of transactions under article 17(3).
Requirements
- Lawful residence in the European Union, wherever in it you live
- Identification under the anti-money-laundering rules of Law 3691/2008
- A credit institution established in Greece that is not an online-only provider
- A declaration, if asked, that you do not already hold a basic payment account in Greece
What applies to you
Nothing changes for a citizen of Bulgaria
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
«Οι καταναλωτές που διαμένουν νόμιμα στην Ένωση έχουν το δικαίωμα να ανοίγουν και να χρησιμοποιούν»The right, and the condition that carries it: lawful residence in the Union rather than in Greece. The sentence continues with the right to open and use a basic payment account at credit institutions established in Greece.
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Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
«λογαριασμό πληρωμών με βασικά χαρακτηριστικά στα πιστωτικά ιδρύματα που είναι εγκατεστημένα στην Ελλάδα. Το δικαίωμα αυτό ισχύει ανεξάρτητα από τον τόπο διαμονής του καταναλωτή.»A person who lives in another member state and wants a Greek account is inside the rule.
Read it at the sourceAbout this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
«Oι λογαριασμοί πληρωμών με βασικά χαρακτηριστικά προσφέρονται στους καταναλωτές από όλα τα πιστωτικά ιδρύματα τα οποία προσφέρουν υπηρεσίες πληρωμών σε καταναλωτές. Οι λογαριασμοί πληρωμών με βασικά χαρακτηριστικά δεν προσφέρονται από τα πιστωτικά ιδρύματα που παρέχουν λογαριασμούς πληρωμών αποκλειστικά μέσω διαδικτύου.»The exemption narrows the practical choice to branch banks.
Read it at the sourceAbout this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
«Τα πιστωτικά ιδρύματα που προσφέρουν λογαριασμούς πληρωμών με βασικά χαρακτηριστικά ανοίγουν το λογαριασμό πληρωμών με βασικά χαρακτηριστικά ή απορρίπτουν την αίτηση του καταναλωτή για το άνοιγμα λογαριασμού πληρωμών με βασικά χαρακτηριστικά, χωρίς αναίτια καθυστέρηση και το αργότερο εντός δέκα (10) εργάσιμων ημερών από την παραλαβή ολοκληρωμένης αίτησης.»A refusal has to be notified immediately, in writing, free of charge and with the specific reasons.
Read it at the sourceAbout this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
«Οι καταναλωτές που δεν έχουν σταθερή διεύθυνση κατοικίας, οι αιτούντες άσυλο και οι καταναλωτές που δεν είναι κάτοχοι άδειας παραμονής, αλλά των οποίων η απέλαση είναι αδύνατη για νομικούς ή πραγματικούς λόγους, θα πρέπει να προσκομίζουν τα απαραίτητα δημόσια δικαιολογητικά που αποδεικνύουν την ταυτότητα ή/και ιδιότητά τους για το άνοιγμα και χρήση λογαριασμού πληρωμών με βασικά χαρακτηριστικά στα πιστωτικά ιδρύματα που είναι εγκατεστημένα στην Ελλάδα. Στις περιπτώσεις αυτές, το άνοιγμα του λογαριασμού πληρωμών με βασικά χαρακτηριστικά επιτρέπεται για κάθε νόμιμη αιτία.»About this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
«Η πρόσβαση σε λογαριασμό πληρωμών με βασικά χαρακτηριστικά δεν εξαρτάται από την αγορά πρόσθετων υπηρεσιών ή μετοχών ή μεριδίων του πιστωτικού ιδρύματος, εκτός εάν το τελευταίο αποτελεί προϋπόθεση για όλους τους πελάτες του πιστωτικού ιδρύματος.»About this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source
Practical notes
This is the basic payment account, not an ordinary current account. A bank may still decline an ordinary account on its own commercial terms; what article 16 gives is a floor.
Nothing in the Act makes a Greek tax number or a Greek address a condition of the basic account. What it makes mandatory is a refusal where opening would breach Chapter E of Law 3691/2008 on money laundering, which is where the identification requirements actually live, and that Law was not read.
What was read: articles 16, 17, 18 and 21 of Law 4465/2017 as published in 2017. No amending instrument was searched out, so this record states the Act as enacted.
- issuesΝόμος 4465/2017, ΦΕΚ Α' 47/04.04.2017
Εθνικό Τυπογραφείο (National Printing House), Εφημερίδα της Κυβερνήσεως
About this source
Greece's official publisher, a public service under the Presidency of the Government. It prints and circulates the Government Gazette, the Εφημερίδα της Κυβερνήσεως, in numbered series - Α' for laws, presidential decrees and acts of the Cabinet, Β' for ministerial decisions - and that is the whole of what it publishes. The address that matters is not et.gr. Its search application at search.et.gr builds every PDF link against an Azure storage account, and the live form is https://ia37rg02wpsa01.blob.core.windows.net/fek/<SS>/<YYYY>/<YYYY><SS><NNNNN>.pdf, where SS is the series number zero-padded to two digits, YYYY the year and NNNNN the issue number zero-padded to five: ΦΕΚ Α' 81 of 2023 is /fek/01/2023/20230100081.pdf, and ΦΕΚ Β' 3056 of 2013 is /fek/02/2013/20130203056.pdf. Every issue is a digitally signed PDF naming ΕΘΝΙΚΟ ΤΥΠΟΓΡΑΦΕΙΟ as its author, so what is served is the publisher's own artefact and not a mirror.
Standing: Issues the instrument
Cannot be cited for: It consolidates nothing. There is no official edition of any Greek statute as it now stands, no cut-off date to cite, and no address at which the Immigration Code, the Income Tax Code or the Code of Greek Nationality can be read as currently in force. The practical substitute is a drafting convention rather than a service: an amending Act usually reprints the whole amended article under the formula 'και το άρθρο N διαμορφώνεται ως εξής', so the current text of a provision lives in whichever issue last changed it, and the reader has to know which that is. It cannot be cited for the text of any article without first establishing that nothing has amended it. Two mechanical limits matter as well. The gazette has been set in two columns for most of its history, and the project's PDF extraction preserves the physical layout, so in a stored reading a line of the left column is followed immediately by a line of the right one - a quotation taken from an issue of 2024 or earlier has to fit inside a single line of a single column, around fifty characters. The layout changed to a single full-width column during 2025: the 2026 issues read as continuous prose and can be quoted at length. And issues from before roughly 2007 are set in fonts with a non-Unicode encoding: ΦΕΚ Α' 217 of 2004, which carries the Code of Greek Nationality, extracts entirely as Latin-1 mojibake and cannot be quoted at all. Gazette issues also carry one or two physically blank pages before the colophon, which a page-coverage check reports as empty. The host et.gr itself cannot be used: a request for the old /api/DownloadFeksApi/ endpoint is redirected to a bare IP address whose certificate no client can verify.
We re-read it every 60 days. More about this source