Template for opening a conto di base for Russian citizens in Italy
Template for an official request (raccomandata A/R) to the bank for opening a conto di base (basic account) according to art. 126 noviesdecies D.Lgs. 385/1993 (Testo Unico Bancario). Specifically adapted for Russian citizens with a permesso di soggiorno, addressing banks' concerns about sanctions.
This page in Italian: Modello di richiesta per apertura conto di base per cittadini russi in Italia
About this document
A template of a formal application to a bank (sent as raccomandata A/R) to open a conto di base - the basic payment account that banks and Poste Italiane must offer to all consumers legally residing in the EU under art. 126 noviesdecies of the Testo Unico Bancario. The template is adapted for Russian citizens with a permesso di soggiorno who get refused with reference to EU sanctions: the applicant declares not being on the sanction lists of Regulation 269/2014, not holding deposits above the Regulation 833/2014 threshold, having no crypto assets and no investor-program permesso, and needing the account for basic needs - rent, food, medicines, taxes, utilities. In case of refusal the template reserves the right to a complaint and an appeal to the Bank of Italy. Verify thresholds and regulation references for currency.
Original file not shown here
This document is described from community materials. The view will become available after upload. Verify the official blank on the authority site.
How to use it
Fill in the template with your data, attach copies of your passport, permesso and codice fiscale and send it to the bank by registered mail with return receipt (raccomandata A/R) - a written filing creates a paper trail for a later complaint. Keep the receipt. If the bank stays silent or refuses without legal grounds, invoke the right to a formal complaint.
Why you need it
Used by Russian citizens residing permanently in Italy who are denied account opening by the bank citing EU sanctions. The request refers to the right to a conto di base and declares non-application of sanction restrictions.
Key information
- Legal basis: art. 126 noviesdecies TUB - banks (including Poste Italiane) are required to offer a basic payment account to all consumers legally residing in the EU
- Declaration of non-sanction status: the applicant states that they are NOT included in Annex I of EU Regulation 269/2014 (list of sanctioned individuals), and are NOT a legal entity under sanctions
- Mention of Kovcheg: the template includes a reference to membership in an organization promoting democracy in Russia (Kovcheg association) - optional confirmation of opposition stance
- Conditions under Regulation 833/2014 (art. 5 ter): the applicant does not hold deposits exceeding 100,000 EUR at a credit institution; has no crypto-assets; has not obtained a permesso through an investor program
- Purpose of account opening (art. 5 quater of Regulation 833): basic needs - food, rent, medicines, medical expenses, taxes, insurance contributions, utilities
- In case of refusal: the applicant reserves the right to file a complaint and submit a grievance to Banca d'Italia (art. 126 vicies para. 2 TUB)
Related materials
Templates and samples
- Template application for renewal of residence permit for self-employed (lavoro autonomo, Art. 4 DL 20/23)
- Template letter for termination of rental contract (Disdetta contratto di locazione)
- Sponsorship letter in English: a sample
- Application form for temporary withdrawal of passport at the visa center (VMS / Consolato Generale d'Italia)
- Autocertificazione Blank Template per art. 46 DPR 445/2000
- Autocertificazione Relazione Stabile Blank
A real document from community materials. Not legal advice - verify the official blank and current requirements on the authority site (esteri.it, interno.gov.it, portaleimmigrazione.it, questure.poliziadistato.it).