An ID. /
You will not be able to access your bank accounts to carry out any procedure
The DNI is the document that allows each person to be identified at all times. That is why when the validity period expires, it is necessary to renew it and not let time pass while it has expired. In that case you can face important dangers, such as seeing limited access to your accounts. The problem ranges from the impossibility of paying by card to not being able to withdraw cash from the ATM. It happens because the bank blocks the current account of the owner.
You will also not be able to make transfers or attend to your receipts, so the user has restricted their banking procedures, despite the fact that the money is still there. Many people suffer from this headache and, although the reason may be unknown to some, having an expired ID is one of the main causes of blocking a bank account. Entities are obliged to have their clients identified at all times, which entails not only requesting the DNI at the time of registration, but also checking that they maintain an updated version.
Therefore, if the DNI expires, the holder must deliver the new one to the entity for verification and digitization, so that the bank does not block the account, something they can do as long as they have just cause. They must notify the client in advance that they need the new version, but if the message goes unnoticed or is ignored, the bank will block it. The Bank of Spain explains it: “An entity can decide to adopt restrictive measures in customer operations, such as blocking the account, based on the fact that the customer continuously neglects their requests for documentation or update of the information”.
To avoid this unwanted situation, it is best to go to a branch of the entity with the new DNI before the account is blocked. At that time, the bank will digitize the document and the account will not be restricted. Some entities even allow you to renew it through their ‘app’. In the event that you do not realize it and your account is blocked, you will have to renew the DNI and present the new one as soon as possible to have the account operational again.
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