Hi . I want to open an account with you , so I can pay my bills by direct debit .   That's a very popular way to pay nowadays , totally hassle free !   Yes , that's what I thought . It's so much trouble coming down here or to the post office to pay all of my utility bills every month . So , what exactly do I need to do ?   Please fill in this application and sign your name down here , at the bottom .   Here you go . Is that it ?   I just need to see some ID , like a passport for example .   Here . What's the least I can pay in to get this account open ?   We usually ask for 100 RIB , Sir . 