| Value | Category |
|---|---|
| -9 | Missing |
| 1 | I don't trust banks |
| 2 | I keep money somewhere else |
| 3 | Fees are too expensive |
| 4 | I don't know where to start |
| 5 | I cannot save/I am very poor |
| 6 | I don't have time to open a bank account |
| 7 | The nearest bank is too far away |
| 96 | Other |
| 98 | Not applicable |