In the context of basic banking services, customer relationship means in which the customer only has a payment account, a payment card and access to online banking.
The following information is necessary and essential in establishing and maintaining a customer relationship involving basic banking services
customer’s name, address, personal identity number and nationality
information on whether the customer holds an important public position (politically exposed person, PEP) or whether he/she is a family member or a close associate of such a person
information on the customer’s life situation, describing his/her financial status (e.g. employer, pensioner, student)
information on whether the customer relationship to be established is the customer’s main banking customer relationship
information on the origins or source of funds and regular payment transfers/cash flows
assessment of the customer’s regular payment transaction volumes
assessment of the customer’s foreign payment transaction volumes and the grounds for such transactions.
In customer relationships other than those involving basic banking services, the bank may be justified in requesting, in addition to the information referred to above, other information affecting customer due diligence. The necessity for such information depends on the nature and extent of the customer relationship.