| Value | Category | 
|---|---|
| -99 | Refused | 
| -98 | Not Applicable | 
| -9 | Don't know | 
| -6 | 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 | 
| Sysmiss |