Moving away: close your bank account, you must live in the country to have a bank account here.
Moving to: you must open a bank account here, we don’t accept foreign IBANs
Using a banking application: you must have US tech spyware on your phone, otherwise we don’t consider it secure.
We need a European federation. I want to be able to move somewhere with my European bank account, get paid by European employer, pay with my European money using a European payment system without having to tell some other non-European country all about it.
I am not sure what the problem is, but if you are a legal resident in an EU country you are entitled to open a “basic payment account”. Banks cannot refuse your application for a basic payment account just because you don’t live in the country where the bank is established.
Do you think all banks follow the rules? And if they don’t, do you think I, as a lone citizen, have the resources to fight a bank?
You don’t fight the bank, you just follow the correct procedure and they will comply.
I don’t know where you are, but you may think to contact the consumer protection agency in the country. I fairly believe all banks follow this rule.
I already have and am now more than a year into a process against a bank here with no end in sight. If I were to fight against all banks, it would take me a life time. There are many banks I have complained to but the most you can get most of the time is a tired “it’s for security”, “it’s for compliance”, “we do our best to serve our customers but we cannot serve the needs of everybody”, and so on. Believe me when I say, it’s far from “all” banks that follow the rule.
Here’s an example from France “La Banque Postale”
which translate to
The next one in the search results was “Credit Agricole”. To open a bank account, you need to enter your postal code and it only accepts French post codes.
Did the same with German banks, Spanish, even Slovak banks.
I assume this is the problem, right? You will only became a tax resident when you live 180 days in the country (check the number of days). This means that in the near future they will ask you to prove that you are tax resident.
If you check the documents to open an account you just need:
https://www.labanquepostale.fr/particulier/comptes-et-cartes/ouvrir-un-compte/pieces-justificatives.html
I moved between EU countries and between EUR and non-EUR, and even because of business had to go to another country for opening an account (without even had lived there) and never had troubles.
Anyway as an immigrant/expat it’s always better to do this kind of stuff in person, as the online templates are usually for the most common client - the natives.
Off course, to where do you want for them to send the letters?
Again, go to the physical location and they will let you open. I have done that (not with those banks and not in france).
You’re missing the point: I don’t live in France! I am a legal EU resident in another country and cannot open an account in France, Germany, and many other countries. That’s the problem.
Yes you can. Did you tried calling or sending and email asking how to proceed? Just go there physically, it’s the easiest way.
Years ago you could open account in commerzbank in germany via registered letter. I did it and i never lived in germany. I had some problems with the slow mail company… But that’s another story.