Basic bank accounts This series brings together all documents relating to the basic bank account data reported to the Treasury by the nine banks designated under the Payment Accounts Regulations 2015. From: The Payment Accounts Regulations 2015 require the 9 largest personal current account (PCA) providers to offer basic bank accounts that are fee-free for standard operations, including a failed payment, removing the risk that customers run up unintended overdrafts. Basic bank account customers are able to use the same services (e.g. ATM and Post Office counter access) as a financial institution’s other PCA customers. These 9 institutions are: Barclays, Clydesdale and Yorkshire Bank, Co-operative Bank, HSBC, Lloyds Banking Group (including Halifax and Bank of Scotland brands), Nationwide, Royal Bank of Scotland (including NatWest and Ulster Bank brands), Santander, TSB.