Belarusians residing in Poland have encountered a new requirement from Santander Bank: clients must now possess a residence permit valid for at least 12 months in any EU country. These new rules apply to both new and existing customers. If a client does not meet this requirement, the bank blocks access to their mobile banking app and online banking services.
On May 28, 2024, Pavel Latushka contacted the Polish Financial Supervision Authority (KNF) to address concerns regarding account closures for Belarusians at Santander Bank.
The official letter received by the NAM on June 21, 2024, from the KNF clarifies that the bank's actions are not mandated by Polish authorities or European sanctions. Decisions regarding additional requirements for clients were made solely at the bank's discretion.
The KNF explains that establishing or terminating individual contractual relationships between a bank and its clients is an independent decision made by the bank. Such decisions depend on various factors based on risk management and assessment principles. Measures taken may be related to financial security, including combating money laundering or terrorist financing.
The KNF advises that customers can file complaints with the bank directly, seek advice from the Financial Ombudsman or regional Consumer Ombudsmen, or consult with non-governmental consumer protection organizations.
Organizations authorized to protect consumer rights offer free consultations, act on behalf of and in the interests of consumers, and assist them in bringing cases to court.
The Financial Ombudsman can file claims on behalf of clients in cases related to unfair market practices by banks. With the complainant's consent, they can also participate in ongoing proceedings.