reg 23 Eligibility criteria
(1) In order to be eligible for a payment account with basic features offered by a designated credit institution (“B”), a consumer must be legally resident in the United Kingdom , and must either— (a) not hold a payment account with any United Kingdom credit institution that has at least the features set out in regulation 19(1); or (b) be ineligible for all payment accounts offered by B that are not payment accounts with basic features. (2) For the purposes of paragraph (1)— (a) consumers legally resident within the United Kingdom include— (i) consumers with no fixed address; (ii) asylum seekers within the meaning of section 94 of the Immigration and Asylum Act 1999 (interpretation); and (iii) consumers who have not been granted a residence permit but whose expulsion is impossible for legal or practical reasons; (b) a consumer is not to be considered to hold a payment account where the consumer makes a declaration that the credit institution with which the payment account is held has given notice that the payment account is to be closed. (3) A designated credit institution must verify whether a consumer falls within paragraph (1)(a), unless it chooses to rely on a declaration made by the consumer to that effect.