I have lived in two European countries so far. In one of them, you only need your ID to open an account, and the process is very quick. In the other one, you need ID and proof of address, which can only be proven with a specific set of documents. (Mostly utility bills, but they can be hard to get when you’re renting or you have just moved to a new place.) What is the process like in your country? How easy or hard is it?