Lawful Residence Anywhere in the Union Is Enough, the Bank Has Ten Working Days, and the Fee Is Capped by the Central Bank
Answer
The general rule applies to you
No exception is recorded for citizens of Antigua and Barbuda 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 Antigua and Barbuda to Slovenia · Opening a bank account
Article 181 of ZPlaSSIED gives a consumer a right to a basic payment account and ties it to lawful residence in the European Union rather than to residence in Slovenia. The right belongs expressly to a consumer without a fixed address, to an asylum seeker, and to a person refused a residence permit whose removal is not possible in law or in fact, and article 181(3) adds that it applies regardless of where the consumer's permanent residence is. Every bank that keeps consumer payment accounts must offer one. The bank must design the procedure so that exercising the right is not too difficult or burdensome, and must open the account without undue delay and in any event within ten working days of a complete application - the same ten days apply to a refusal. A refusal is mandatory where opening the account would breach the anti-money-laundering statute because the bank cannot complete customer due diligence, and permitted where the consumer already has an account at a Slovene bank giving access to the same services, or has breached a contractual obligation to that bank within three years. Article 183 lets the bank charge only a reasonable fee or nothing, and makes Banka Slovenije set how that fee is calculated.
At a glance
- Residence needed
- Lawful residence anywhere in the EU
Article 181(3) of ZPlaSSIED, which adds that the right applies regardless of the consumer's permanent residence.
- Who must offer it
- Every bank keeping consumer payment accounts
Article 181(1) of ZPlaSSIED.
- Time limit
- Ten working days from a complete application
Article 181(4) of ZPlaSSIED; article 181(5) applies the same period to a refusal.
- Fee
- A reasonable fee or nothing
Article 183(1) of ZPlaSSIED; article 183(2) makes Banka Slovenije set the method of calculating it.
- When a bank must refuse
- Where due diligence under the anti-money-laundering statute cannot be completed
Article 181(6) of ZPlaSSIED, which makes the refusal mandatory rather than discretionary.
Requirements
- Lawful residence in the European Union, which is the only residence condition article 181(3) imposes
- Identification sufficient for the bank to complete customer due diligence under the anti-money-laundering statute
- That you do not already hold an equivalent account at a bank in Slovenia, unless you state that it is being closed
What applies to you
Nothing changes for a citizen of Antigua and Barbuda
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
«Osnovni plačilni račun morajo potrošnikom ponujati vse banke, ki vodijo plačilne račune potrošnikov. (2) Banka osnovni plačilni račun ponuja v obsegu, kot ga sicer ponuja v okviru svojega poslovanja. (3) Potrošnik, ki zakonito prebiva v EU, vključno s potrošnikom brez stalnega naslova in prosilcem za azil ter potrošnikom, ki mu dovoljenje za bivanje ni bilo odobreno, vendar njegov izgon iz pravnih ali dejanskih razlogov ni mogoč, ima pravico do odprtja in uporabe osnovnega plačilnega računa pri banki. Ta pravica velja ne glede na potrošnikovo stalno prebivališče. (4) Banka postopek odpiranja osnovnega plačilnega računa oblikuje tako, da uveljavljanje te pravice ni preveč težavno ali obremenjujoče za potrošnika. Banka osnovni plačilni račun odpre brez nepotrebnega odlašanja oziroma najpozneje v desetih delovnih dneh od prejema popolne prošnje potrošnika za odprtje osnovnega plačilnega računa. (5) Rok iz prejšnjega odstavka velja tudi v primeru zavrnitve prošnje potrošnika za odprtje osnovnega plačilnega računa.»The duty, the residence test, the ten working days, and the obligation not to make the procedure burdensome. Quoted from the state legal information system's unofficial consolidation. The page carries the warning that such a text is only an informative working aid for which the body accepts no liability; it is the only text of this Act kept current, because the last official consolidation is older than the amendments the Act now carries.
Read it at the sourceAbout this source
The Slovene state's legal information system, run by the government's legislation service. It is the only place that keeps the current text of an Act when the National Assembly has not made a recent official consolidation, which is most Acts: it publishes a neuradno prečiščeno besedilo, numbered in sequence, each carrying the list of instruments it incorporates and, usually, a Datum začetka uporabe - the date from which that version applies. pisrs.si is an Angular single-page application, so the text appears only once JavaScript has run and it is readable by the extraction service and not by an ordinary request; the stable human address is https://pisrs.si/pregledPredpisa?id={ZAKOnnnn}, and https://pisrs.si/pregledPredpisa?sop={YYYY-01-NNNN} resolves the same gazette identifier the Uradni list uses. Three file forms of each consolidation are served from https://pisrs.si/api/datoteke/integracije/{id} as HTML, DOCX and PDF, and the identifiers for them are printed in the page itself. There is also a search API that answers an ordinary POST without the proof-of-work the site applies elsewhere: POST https://pisrs.si/api/filter/filter with a body of the shape {"nazivZbirke":["Register predpisov"],"besedilo":{"word1":"\"<title>\"","word1InTitle":true}} returns the ZAKO identifier, the SOP and the dates for every matching instrument, and nazivZbirke "Neuradna prečiščena besedila" lists every consolidation of it with its stNpb. From 1 March 2026 it is also where the Uradni list itself is published.
Standing: Maintains the text in force
Cannot be cited for: **Its consolidated texts are explicitly not authoritative, and the site says so on every one of them**: "Opozorilo: Neuradno prečiščeno besedilo predpisa predstavlja zgolj informativni delovni pripomoček, glede katerega organ ne jamči odškodninsko ali kako drugače." - an unofficial consolidated text is merely an informative working aid for which the body accepts no liability. It is nevertheless the only current text of most Slovene Acts, because the official consolidations are years behind, so the right handling is to cite it and say what it is rather than to prefer a stale official text. This is the third time this corpus has met the problem, after Belgium's database frozen in 2002 and Czechia's informativní znění. **It cannot be cited for the text as enacted**: for that, go to the Uradni list item the consolidation lists. **It is not reliably readable.** The pages are rendered by the extraction service, and on 10 October 2026 two of them - ?id=ZAKO4697, the Income Tax Act, and ?id=ZAKO6655, the Act on employment of foreign nationals - came back as nothing but a loading spinner on four attempts across two hours, while larger pages on the same site rendered fully. A 223-byte reading from this publisher is a failed render, not a short document. The Income Tax Act was recovered from its consolidation PDF at /api/datoteke/integracije/358727643 instead. **The page interleaves furniture with the statute**: every article heading is followed by case-law labels ("Sodna praksa Vrhovnega sodišča") and bare CELEX numbers, and the markdown escapes list markers, so a quotation taken across an article boundary will contain text the legislator never wrote.
We re-read it every 60 days. More about this source
«Banka zavrne prošnjo potrošnika za odprtje osnovnega plačilnega računa, kadar bi odprtje takšnega računa povzročilo kršitev določb zakona, ki ureja preprečevanje pranja denarja in financiranja terorizma, ker banka ne bi mogla izpolniti obveznosti pregleda stranke in posledično v skladu z določbami zakona iz tega stavka ne sme skleniti poslovnega razmerja s stranko. Banka v tem primeru ukrepa v skladu z zakonom, ki ureja preprečevanje pranja denarja in financiranja terorizma. (7) Banka lahko zavrne prošnjo potrošnika za odprtje osnovnega plačilnega računa, če: 1. potrošnik že ima plačilni račun pri banki v Republiki Sloveniji, ki mu omogoča uporabo plačilnih storitev iz prvega odstavka 182. člena tega zakona, razen kadar potrošnik navede, da je bil obveščen, da bo ta plačilni račun zaprt. Banka lahko v ta namen upošteva pisno izjavo, ki jo podpiše potrošnik; 2. potrošnik krši ali je v zadnjih treh letih kršil pogodbeno obveznost do banke, pri kateri želi odpreti osnovni plačilni račun.»The one mandatory refusal and the two permitted ones. Quoted from the state legal information system's unofficial consolidation. The page carries the warning that such a text is only an informative working aid for which the body accepts no liability; it is the only text of this Act kept current, because the last official consolidation is older than the amendments the Act now carries.
Read it at the sourceAbout this source
The Slovene state's legal information system, run by the government's legislation service. It is the only place that keeps the current text of an Act when the National Assembly has not made a recent official consolidation, which is most Acts: it publishes a neuradno prečiščeno besedilo, numbered in sequence, each carrying the list of instruments it incorporates and, usually, a Datum začetka uporabe - the date from which that version applies. pisrs.si is an Angular single-page application, so the text appears only once JavaScript has run and it is readable by the extraction service and not by an ordinary request; the stable human address is https://pisrs.si/pregledPredpisa?id={ZAKOnnnn}, and https://pisrs.si/pregledPredpisa?sop={YYYY-01-NNNN} resolves the same gazette identifier the Uradni list uses. Three file forms of each consolidation are served from https://pisrs.si/api/datoteke/integracije/{id} as HTML, DOCX and PDF, and the identifiers for them are printed in the page itself. There is also a search API that answers an ordinary POST without the proof-of-work the site applies elsewhere: POST https://pisrs.si/api/filter/filter with a body of the shape {"nazivZbirke":["Register predpisov"],"besedilo":{"word1":"\"<title>\"","word1InTitle":true}} returns the ZAKO identifier, the SOP and the dates for every matching instrument, and nazivZbirke "Neuradna prečiščena besedila" lists every consolidation of it with its stNpb. From 1 March 2026 it is also where the Uradni list itself is published.
Standing: Maintains the text in force
Cannot be cited for: **Its consolidated texts are explicitly not authoritative, and the site says so on every one of them**: "Opozorilo: Neuradno prečiščeno besedilo predpisa predstavlja zgolj informativni delovni pripomoček, glede katerega organ ne jamči odškodninsko ali kako drugače." - an unofficial consolidated text is merely an informative working aid for which the body accepts no liability. It is nevertheless the only current text of most Slovene Acts, because the official consolidations are years behind, so the right handling is to cite it and say what it is rather than to prefer a stale official text. This is the third time this corpus has met the problem, after Belgium's database frozen in 2002 and Czechia's informativní znění. **It cannot be cited for the text as enacted**: for that, go to the Uradni list item the consolidation lists. **It is not reliably readable.** The pages are rendered by the extraction service, and on 10 October 2026 two of them - ?id=ZAKO4697, the Income Tax Act, and ?id=ZAKO6655, the Act on employment of foreign nationals - came back as nothing but a loading spinner on four attempts across two hours, while larger pages on the same site rendered fully. A 223-byte reading from this publisher is a failed render, not a short document. The Income Tax Act was recovered from its consolidation PDF at /api/datoteke/integracije/358727643 instead. **The page interleaves furniture with the statute**: every article heading is followed by case-law labels ("Sodna praksa Vrhovnega sodišča") and bare CELEX numbers, and the markdown escapes list markers, so a quotation taken across an article boundary will contain text the legislator never wrote.
We re-read it every 60 days. More about this source
«Banka lahko v zvezi z zagotavljanjem osnovnega plačilnega računa iz prejšnjega člena oziroma v zvezi z neizpolnjevanjem obveznosti iz okvirne pogodbe za dostop do osnovnega plačilnega računa potrošniku zaračunava le primerno nadomestilo ali mu te storitve nudi brezplačno. (2) Banka Slovenije določi način izračuna višine primernega nadomestila iz prejšnjega odstavka, pri čemer upošteva najmanj nacionalno raven prihodkov in povprečna nadomestila, ki jih banke v Republiki Slovenije zaračunavajo za storitve, povezane s plačilnim računom.»The fee cap, and who sets the method. Quoted from the state legal information system's unofficial consolidation. The page carries the warning that such a text is only an informative working aid for which the body accepts no liability; it is the only text of this Act kept current, because the last official consolidation is older than the amendments the Act now carries.
Read it at the sourceAbout this source
The Slovene state's legal information system, run by the government's legislation service. It is the only place that keeps the current text of an Act when the National Assembly has not made a recent official consolidation, which is most Acts: it publishes a neuradno prečiščeno besedilo, numbered in sequence, each carrying the list of instruments it incorporates and, usually, a Datum začetka uporabe - the date from which that version applies. pisrs.si is an Angular single-page application, so the text appears only once JavaScript has run and it is readable by the extraction service and not by an ordinary request; the stable human address is https://pisrs.si/pregledPredpisa?id={ZAKOnnnn}, and https://pisrs.si/pregledPredpisa?sop={YYYY-01-NNNN} resolves the same gazette identifier the Uradni list uses. Three file forms of each consolidation are served from https://pisrs.si/api/datoteke/integracije/{id} as HTML, DOCX and PDF, and the identifiers for them are printed in the page itself. There is also a search API that answers an ordinary POST without the proof-of-work the site applies elsewhere: POST https://pisrs.si/api/filter/filter with a body of the shape {"nazivZbirke":["Register predpisov"],"besedilo":{"word1":"\"<title>\"","word1InTitle":true}} returns the ZAKO identifier, the SOP and the dates for every matching instrument, and nazivZbirke "Neuradna prečiščena besedila" lists every consolidation of it with its stNpb. From 1 March 2026 it is also where the Uradni list itself is published.
Standing: Maintains the text in force
Cannot be cited for: **Its consolidated texts are explicitly not authoritative, and the site says so on every one of them**: "Opozorilo: Neuradno prečiščeno besedilo predpisa predstavlja zgolj informativni delovni pripomoček, glede katerega organ ne jamči odškodninsko ali kako drugače." - an unofficial consolidated text is merely an informative working aid for which the body accepts no liability. It is nevertheless the only current text of most Slovene Acts, because the official consolidations are years behind, so the right handling is to cite it and say what it is rather than to prefer a stale official text. This is the third time this corpus has met the problem, after Belgium's database frozen in 2002 and Czechia's informativní znění. **It cannot be cited for the text as enacted**: for that, go to the Uradni list item the consolidation lists. **It is not reliably readable.** The pages are rendered by the extraction service, and on 10 October 2026 two of them - ?id=ZAKO4697, the Income Tax Act, and ?id=ZAKO6655, the Act on employment of foreign nationals - came back as nothing but a loading spinner on four attempts across two hours, while larger pages on the same site rendered fully. A 223-byte reading from this publisher is a failed render, not a short document. The Income Tax Act was recovered from its consolidation PDF at /api/datoteke/integracije/358727643 instead. **The page interleaves furniture with the statute**: every article heading is followed by case-law labels ("Sodna praksa Vrhovnega sodišča") and bare CELEX numbers, and the markdown escapes list markers, so a quotation taken across an article boundary will contain text the legislator never wrote.
We re-read it every 60 days. More about this source
Practical notes
Read off ZPlaSSIED in the state legal information system's unofficial consolidation number 3, dated from 2 April 2025.
We did not read the anti-money-laundering statute or Banka Slovenije's act on the reasonable fee. The first decides what identification a bank must obtain and the second decides what the account costs, and neither question is answered here.
The right is to a basic payment account, not to any account. A bank may still decline an ordinary account, and article 181(2) only obliges it to offer the basic one within the scope of business it does anyway.
- consolidatesZakon o plačilnih storitvah, storitvah izdajanja elektronskega denarja in plačilnih sistemih (ZPlaSSIED), neuradno prečiščeno besedilo št. 3
Pravno-informacijski sistem Republike Slovenije · consolidated to 2025-04-02
About this source
The Slovene state's legal information system, run by the government's legislation service. It is the only place that keeps the current text of an Act when the National Assembly has not made a recent official consolidation, which is most Acts: it publishes a neuradno prečiščeno besedilo, numbered in sequence, each carrying the list of instruments it incorporates and, usually, a Datum začetka uporabe - the date from which that version applies. pisrs.si is an Angular single-page application, so the text appears only once JavaScript has run and it is readable by the extraction service and not by an ordinary request; the stable human address is https://pisrs.si/pregledPredpisa?id={ZAKOnnnn}, and https://pisrs.si/pregledPredpisa?sop={YYYY-01-NNNN} resolves the same gazette identifier the Uradni list uses. Three file forms of each consolidation are served from https://pisrs.si/api/datoteke/integracije/{id} as HTML, DOCX and PDF, and the identifiers for them are printed in the page itself. There is also a search API that answers an ordinary POST without the proof-of-work the site applies elsewhere: POST https://pisrs.si/api/filter/filter with a body of the shape {"nazivZbirke":["Register predpisov"],"besedilo":{"word1":"\"<title>\"","word1InTitle":true}} returns the ZAKO identifier, the SOP and the dates for every matching instrument, and nazivZbirke "Neuradna prečiščena besedila" lists every consolidation of it with its stNpb. From 1 March 2026 it is also where the Uradni list itself is published.
Standing: Maintains the text in force
Cannot be cited for: **Its consolidated texts are explicitly not authoritative, and the site says so on every one of them**: "Opozorilo: Neuradno prečiščeno besedilo predpisa predstavlja zgolj informativni delovni pripomoček, glede katerega organ ne jamči odškodninsko ali kako drugače." - an unofficial consolidated text is merely an informative working aid for which the body accepts no liability. It is nevertheless the only current text of most Slovene Acts, because the official consolidations are years behind, so the right handling is to cite it and say what it is rather than to prefer a stale official text. This is the third time this corpus has met the problem, after Belgium's database frozen in 2002 and Czechia's informativní znění. **It cannot be cited for the text as enacted**: for that, go to the Uradni list item the consolidation lists. **It is not reliably readable.** The pages are rendered by the extraction service, and on 10 October 2026 two of them - ?id=ZAKO4697, the Income Tax Act, and ?id=ZAKO6655, the Act on employment of foreign nationals - came back as nothing but a loading spinner on four attempts across two hours, while larger pages on the same site rendered fully. A 223-byte reading from this publisher is a failed render, not a short document. The Income Tax Act was recovered from its consolidation PDF at /api/datoteke/integracije/358727643 instead. **The page interleaves furniture with the statute**: every article heading is followed by case-law labels ("Sodna praksa Vrhovnega sodišča") and bare CELEX numbers, and the markdown escapes list markers, so a quotation taken across an article boundary will contain text the legislator never wrote.
We re-read it every 60 days. More about this source