Customer, are you alive? The government wants to force banks to check the PESEL database

On Tuesday, the government will deal with the bill, which will give banks checking at the PESEL database whether their client is alive if for five years he does not give any disposal – according to the order of the Council of Ministers published on Tuesday.

It is a draft amendment to banking law and some other acts; The project prepared by the Ministry of Finance belongs to the package of deregulatory regulations.

“In accordance with the proposed provision, after 5 years from the date of the last order regarding the account conducted on the basis of the contract (…), the bank will be obliged to apply to the minister competent for computerization for providing data from the PESEL register enabling determination of whether the account holder is alive, and in the case of his death – – date of death or date of finding the body. (…) The date of the death of the PESEL register, which will allow you to quickly close the so -called +dormant accounts.

According to MF proposal, if the customer in a given bank had more than one account, then the period of five years has been from the last disposition regarding all customer accounts. The proposed regulations also refer to the situation when the account of keeping the account has expired and the customer did not leave the payment of funds.

The Bank will apply for data from the PESEL register “up to 3 months from the date of expiry of the bank account agreement, (…) concluded for a definite period, in the absence of prior disposal of cash.”

The planned regulation contains a provision that indicates the scope of information provided by the bank to the bank account holder, who is a natural person, a person who obtained a legal title to a inheritance after the account holder, and a successful manager. The Ministry of Finance emphasized in the justification that in the current legal status it was difficult to “perform the obligation to provide information against previously closed accounts than the maximum periods of storage of accounts resulting from the currently applicable law.”

The draft also includes changes in the Act on population records, thanks to which banks will be informed not only about the fact of the customer's death, as it is today, but also about the date of the customer's death or the date of finding the corpse.

The planned act is to come into force after 14 days from the date of its announcement. (PAP)

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