I was not talking about refugees in particular, but more in general about people that lost their home; implying that they had a German residence before, or were

I was not talking about refugees in particular, but more in general about people that lost their home; implying that they had a German residence before, or were born in Germany and still have a German passport (aka Personalausweis). Those people that lost their home and would theoretically be willing to work still cannot; hence because they don't have a postal address which is required to get a bank account. Since the new Zahlungskontengesetz was established, all people that have a German citizenship have a right to get a Basiskonto [1] and banks must comply. Though the legal loophole here is that getting a bank account still requires a postal address. [1] https://www.gesetze-im-internet.de/zkg/__31.html https://www.gesetze-im-internet.de/zkg/__31.html