You don't have to be rich in order to have bank accounts. It's a matter of money habits/culture. I have 2 Bulgarian (Visa Electron and Maestro from different banks) and one German (local German Electronic Cash+another local German Geldcarte+Maestro on the same card) debit accounts (this is разплащателна сметка/debit account/Girokonto - it's not for saving, rather for operating with your money) and a Mastercard card from a Luxembourg-based bank operating in Germany. This helps me save from service fees because I believe banks should earn their money from interests and NOT from stupid fees.