How to obtain proof of address

Cannot understand why your rental agreement is not acceptable as it must show your name and address, did you take your passport?

I second GozoMo's comment about your rental agreement unless it was written on a scrap piece of paper?

Could you give some more information on the matter, did they give a reason why?

tried several banks bafin hsbc bov all of them said they can't accept the rental contract as proof of address

AAronbalake wrote:

tried several banks bafin hsbc bov all of them said they can't accept the rental contract as proof of address

Did they give any reason why though?

Do you have any bills with your name and address on?

Employment contract with name and address?

a letter from employer

a payslip

go again and see  a different person you might find you get a different answer 2nd time

or try the PO account

https://www.maltapost.com/postapayandsave

PostaPay&Save

PostaPay&Save

The PostaPay&Save is a payment account that provides easy access to your money by means of the PostaPay Card or a passbook. The PostaPay Card can be used for cash withdrawals worldwide at any ATM displaying the MasterCard logo, at retail outlets both locally and overseas, and online. The passbook may be used at selected MaltaPost outlets.

The account can also be used to safely receive funds by direct credit, make payments and budget efficiently. You can deposit cheques or cash into the account, pay bills and withdraw money as necessary, while earning interest on the balance. You may also transfer funds to and receive funds from another PostaPay&Save free of any charges. With PostaPay&Save you may also buy stamps, merchandise and services from your local Post Office.

PostaPay&Save can be held by individuals over the age of 16 and by clubs and associations.

Benefits

*The PostaPay Card issued to PostaPay&Save account holders may be used worldwide on ATMs and at retail outlets displaying the MasterCard logo. It can also be used for online purchases.
*Transactions are recorded on a passbook, if one is held.
*The account can be used to pay bills, such as those relating to water and electricity, fixed telephone lines, internet and TV and also for purchasing of items from the Post Office without the need for cash.
*The account can be opened with as little as €50, with a maximum balance of €8,000.
* Interest is paid on balances held on the account
*The account may be held in the name of joint account holders or in the name of an association, club, etc.
*A statement free of any charges is issued quarterly to assist better monitoring of transactions on the account.

Getting started is easy

To open a PostaPay&Save account and start benefiting from this simple and secure payment account, please visit one of the MaltaPost outlets and complete the application form. You will need to show your ID Card/passport and proof of address.

PostaPay&Save is subject to terms and conditions, a copy of which may be obtained from any Post Office or here. A list of Frequently Asked Questions is available here and the PostaPay Card fees are available here. Alternatively contact us for further details.

PostaPay&Save is a product of Lombard Bank Malta p.l.c.and is being offered through MaltaPost outlets and Lombard Bank branches.

Lombard Bank Malta p.l.c. is listed on the Malta Stock Exchange and is licensed and regulated by the Malta Financial Services Authority as a credit institution and as an investment service provider.

and yes you can have your wages paid into it.,,,, as you have an IBAN number you give to your employer.

you dont need to be employed either

There is a €500 daily withdrawal limit and you must keep min €10 in the account for a month or they close it. You receive statements in the post too

The account can be used to pay bills, such as those relating to water and electricity, fixed telephone lines, internet and TV and also for purchasing of items from the Post Office without the need for cash.

Interest on the balance held on the account is paid every end of March, June, September, and December. The rate currently payable is 0.1% per annum

they insist they need photocopy of ID AND passport AND proof of address (address on ID card is apparently not enough in St. Julians).

i they insist on name etc of mother and father they have no right to that  just mark it as deceased  it works

DOWN side is you cannot check your balance at the cash machine you have to go in the post office and the post office cannot help with everything you have to ring Lombard.

last ditch if its still a problem try another post office as others have done with the same issue and they got the cards etc within  two weeks

good luck

SimCityAT wrote:

AAronbalake wrote:

tried several banks bafin hsbc bov all of them said they can't accept the rental contract as proof of address

Did they give any reason why though?

Do you have any bills with your name and address on?

Employment contract with name and address?

didn't have reason wanted to see bank statements or utility bill

I'm unemployed
don't have any bills on my name. landlord paying all

thank you for the postapay suggestions will try it. any other ideas?

They tend to want a utility bill in your name at the address in question. Mobile phone contracts do not qualify. The big thing seems to get ARMS to bill you direct, with the added advantage of getting on the cheeper residential rate. There have been a number of posts about getting the ARMS bill in your name. I hit the same barrier, but managed to use a receipt from the inland revenue for tax paid on a capital transfer charge assosciated with buying a property. It does not sound like this would work for you, so getting the utility bill would seem like your best option. Maybe someone else can be more helpfull, but this was my experience and until i came up with the revenue reciept, it was like talking to a brick wall for several hours at HSBC Salema. As far as i can make out, all banks are the same on this because of money laundering rules.
Best of luck!

Majority of people who rent do not have utility bills in their names, at least not when they first move here.

and now doing that (getting  the utility bill in your own name) will cost you €466

It may be easier to open an account here once you have your residence card.

@AAronbalake

Please see paragraph 2 of Article 16, entitled, ‘Right of access to a payment account with basic features' from Directive 2014/92/EU which the Maltese authorities transposed into national law on 7th December, 2016.

It states: ‘Member States shall ensure that consumers legally resident [ANYWHERE ELSE] in the Union, including consumers with no fixed address and asylum seekers, and consumers who are NOT granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory. Such a right shall apply IRRESPECTIVE of the consumer's place of residence.'

Source: http://eur-lex.europa.eu/legal-content/ … 32014L0092

In addition,'…….Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established….'

Source: http://europa.eu/youreurope/citizens/co … dex_en.htm

Other sources:

https://www.expat.com/forum/viewtopic.p … 30#3620586http://www.justiceservices.gov.mt/Downl … 09&l=1

another idea - why not load a eurocash card with euros at times when the rate is a good rate and draw cash from that,  pay bills etc online etc shop with it - same as any other cards and no charges on some of them  - loading of the card can be done remotely online once youve got the card, you dont have to be in country... getting the card may need you to be resident initially in say UK
- i wonder if other countries have the same sort of things  i guess they do

and if and when the time comes and you start work then why not get salary paid into a foreign account - banks have an iban and bic identifiers and the charges would be the same for doing that as paying into a local account


https://www.moneysupermarket.com/prepaid-cards/euros/

Fionn wrote:

@AAronbalake

Please see paragraph 2 of Article 16, entitled, ‘Right of access to a payment account with basic features' from Directive 2014/92/EU which the Maltese authorities transposed into national law on 7th December, 2016.

It states: ‘Member States shall ensure that consumers legally resident [ANYWHERE ELSE] in the Union, including consumers with no fixed address and asylum seekers, and consumers who are NOT granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory. Such a right shall apply IRRESPECTIVE of the consumer's place of residence.'

Source: http://eur-lex.europa.eu/legal-content/ … 32014L0092

In addition,'…….Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established….'

Source: http://europa.eu/youreurope/citizens/co … dex_en.htm

Other sources:

https://www.expat.com/forum/viewtopic.p … 30#3620586http://www.justiceservices.gov.mt/Downl … 09&l=1

Please ,please,please stop copying links to EU legislation which say what the law is. The point of the forum is to post from your experiences.
You say that EU law dictates that the banks must provide you a basic account, but the OP was stating that the Maltese banks will not , that is fact and real life, not what Brussels says should be! That helps no one!
All you ever do is copy and paste EU legislation, why?  You know it has no bearing on what happens in Malta which only takes notice of it's own legislation or current practices.

Ray

sadly Ray  you are correct Malta seems to be a law unto itself in this specific area  = they do not follow that specific ruling and have made their position in many cases clear as wrong as it may or may not be..

F0xgl0ve wrote:

Fionn wrote:

@AAronbalake

Please see paragraph 2 of Article 16, entitled, ‘Right of access to a payment account with basic features' from Directive 2014/92/EU which the Maltese authorities transposed into national law on 7th December, 2016.

It states: ‘Member States shall ensure that consumers legally resident [ANYWHERE ELSE] in the Union, including consumers with no fixed address and asylum seekers, and consumers who are NOT granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory. Such a right shall apply IRRESPECTIVE of the consumer's place of residence.'

Source: http://eur-lex.europa.eu/legal-content/ … 32014L0092

In addition,'…….Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established….'

Source: http://europa.eu/youreurope/citizens/co … dex_en.htm

Other sources:

https://www.expat.com/forum/viewtopic.p … 30#3620586http://www.justiceservices.gov.mt/Downl … 09&l=1

Please ,please,please stop copying links to EU legislation which say what the law is. The point of the forum is to post from your experiences.
You say that EU law dictates that the banks must provide you a basic account, but the OP was stating that the Maltese banks will not , that is fact and real life, not what Brussels says should be! That helps no one!
All you ever do is copy and paste EU legislation, why?  You know it has no bearing on what happens in Malta which only takes notice of it's own legislation or current practices.

Ray

@F0xgl0ve

Contrary to what you suggest, members of this forum are perfectly entitled to be aware of the law:

In the first instance, because ignorance of it is no defense and secondly, because knowledge of it better enables forum members to successfully negotiate solutions to issues such as this one.

Fionn wrote:

F0xgl0ve wrote:

Fionn wrote:

@AAronbalake

Please see paragraph 2 of Article 16, entitled, ‘Right of access to a payment account with basic features' from Directive 2014/92/EU which the Maltese authorities transposed into national law on 7th December, 2016.

It states: ‘Member States shall ensure that consumers legally resident [ANYWHERE ELSE] in the Union, including consumers with no fixed address and asylum seekers, and consumers who are NOT granted a residence permit but whose expulsion is impossible for legal or factual reasons, have the right to open and use a payment account with basic features with credit institutions located in their territory. Such a right shall apply IRRESPECTIVE of the consumer's place of residence.'

Source: http://eur-lex.europa.eu/legal-content/ … 32014L0092

In addition,'…….Banks cannot refuse your application for a basic payment account just because you don't live in the country where the bank is established….'

Source: http://europa.eu/youreurope/citizens/co … dex_en.htm

Other sources:

https://www.expat.com/forum/viewtopic.p … 30#3620586http://www.justiceservices.gov.mt/Downl … 09&l=1

Please ,please,please stop copying links to EU legislation which say what the law is. The point of the forum is to post from your experiences.
You say that EU law dictates that the banks must provide you a basic account, but the OP was stating that the Maltese banks will not , that is fact and real life, not what Brussels says should be! That helps no one!
All you ever do is copy and paste EU legislation, why?  You know it has no bearing on what happens in Malta which only takes notice of it's own legislation or current practices.

Ray

@F0xgl0ve

Contrary to what you suggest, members of this forum are perfectly entitled to be aware of the law:

In the first instance, because ignorance of it is no defense and secondly, because knowledge of it better enables forum members to successfully negotiate solutions to issues such as this one.

The vast majority of the members on here are fully aware of the law, without your assistance by quoting EU law 'chapter and verse'.
Ignorance is not an issue as they are not in a situation of defending themselves in law and it does not help them to successfully negotiate solutions to issues such as this, as the Maltese establishment totally ignores EU legislation when it suits them, with impunity!
If you were offering advice from personal, first hand knowledge, it would be very helpful but to just keep posting links to EU legislation rarely, if ever, helps anyone!

Ray

F0xgl0ve wrote:

Fionn wrote:

F0xgl0ve wrote:

Please ,please,please stop copying links to EU legislation which say what the law is. The point of the forum is to post from your experiences.
You say that EU law dictates that the banks must provide you a basic account, but the OP was stating that the Maltese banks will not , that is fact and real life, not what Brussels says should be! That helps no one!
All you ever do is copy and paste EU legislation, why?  You know it has no bearing on what happens in Malta which only takes notice of it's own legislation or current practices.

Ray

@F0xgl0ve

Contrary to what you suggest, members of this forum are perfectly entitled to be aware of the law:

In the first instance, because ignorance of it is no defense and secondly, because knowledge of it better enables forum members to successfully negotiate solutions to issues such as this one.

The vast majority of the members on here are fully aware of the law, without your assistance by quoting EU law 'chapter and verse'.
Ignorance is not an issue as they are not in a situation of defending themselves in law and it does not help them to successfully negotiate solutions to issues such as this, as the Maltese establishment totally ignores EU legislation when it suits them, with impunity!
If you were offering advice from personal, first hand knowledge, it would be very helpful but to just keep posting links to EU legislation rarely, if ever, helps anyone!

Ray

@F0xgl0ve

If that is how you perceive matters, so be it - as you wish.

Fionn wrote:

Contrary to what you suggest, members of this forum are perfectly entitled to be aware of the law:

In the first instance, because ignorance of it is no defense and secondly, because knowledge of it better enables forum members to successfully negotiate solutions to issues such as this one.

It never hurts to be aware of the law, but it sounds like you've have to go through years of expensive court action to make it work, and then the local government sounds as if they'd ignore it for as many years as they could.

Being aware is pretty useless if, as experienced posters suggest, no one in authority cares about it.

Fred wrote:

Fionn wrote:

Contrary to what you suggest, members of this forum are perfectly entitled to be aware of the law:

In the first instance, because ignorance of it is no defense and secondly, because knowledge of it better enables forum members to successfully negotiate solutions to issues such as this one.

It never hurts to be aware of the law, but it sounds like you've have to go through years of expensive court action to make it work, and then the local government sounds as if they'd ignore it for as many years as they could.

Being aware is pretty useless if, as experienced posters suggest, no one in authority cares about it.

@Fred

On the contrary, this complainant - whose petition cost €0.00 - not only knew the law, but ensured that ‘everyone in authority cared about it' too:

Excerpts: ‘Subject: Petition 1129/2012 M. H. (German), concerning discrimination in the setting of public transport fares in Malta……...In January 2013, the European Commission initiated an infringement procedure against Malta for discriminatory bus transport tariffs. Subsequently, an amendment to the Maltese Regulations removed the discrimination.

Source:
   
http://www.europarl.europa.eu/meetdocs/ … 0774en.pdf

I suppose the next question has to be, did Malta carry out the ruling?
If so, is it still in force or was it forgotten?

yes they did carry out the ruling.... eventually.... but it took some time and a few changes
over that time - and yes it is still in place. The german petition was only one of many including one of mine. But as is suggested.. 9 times out of 10 Maltas government  tends to delay everything until they absolutely have to change... change is not something they do willingly.

For example - Take the Energy Performance Certification law since 2009  still not effectively transposed and sure as hell not enforced.  There must be 100,000 and more rental properties yet relatively few have the EPC. 8 yrs on an still very few have them.

quote from a recent response from the EU commission on the matter of EPC's

"On the specific question on energy performance certificates it is stated that "For the 152,000 households in Malta, about 9,400 EPCs have been issued till the end of November 2015, translated into around 6% of all households. With approximately 500 EPCs issued each month, this is expected to increase at a rate of around 1% per year. The system for the non‐residential sector was initiated later, and the coverage at the end of 2013 was less than 1%."

Just an example but off topic.... sorry

In terms of the banking issue here there is a current open PETI petition
available for support

Petition number: 0931/2014
Title: Petition No 0931/2014 by Adair Linzi (British) on Bank account opening in Malta
Petition Summary: The petitioner complains about the fact that he, as an EU citizen, has not been allowed to open a bank account in Malta. He believes that it is his right.
Name: European Parliament
Date of admissibility: 16-04-2015
Number of supporters: 3
Status: Available to supporters

@AAronbalake  I can see your post was a long time ago, did you get to the bottom of how to obtain proof of address? My husband is in the position of needing to prove his address in Malta in connection with a house purchase in the UK (due to a cash purchase i.e. money laundering process) and as everything is in his landlord's name he is struggling and the sale cannot go ahead.  They won't accept his tenancy agreement. Alison