The EU recommends that European consumers who do not have a paid account should be able to open and use a basic payment account, irrespective of their financial situation or their place of residence in the European Union. Payment services offered must enable as a minimum: all the operations required for the opening, operating and closing of a payment account to be carried out; money to be placed on a payment account; cash withdrawals from a payment account; execution of payment transactions, by credit transfers or by transfers of funds, including through a payment card.
(source: http://europa.eu/legislation_summaries/consumers/protection_of_consumers/em0050_en.htm)