In USA, I cannot open a checking or savings account because I choose not to unlock my credit records. (Credit check required to deposit, not borrow?!?)
In Spain, only an ID and address needed to open a savings account and get a debit card. No raised eyebrows at a USA address. No credit check—which would have been empty, since I have never borrowed outside of USA and not at all in at least a decade.
Is it generally this sensible throughout EU?