Answer
A bank may treat a foreigner without permanent residency as a foreign client, and opening an account in that status may require an additional deposit. This is not the same regime as for someone with an established local status.
After about six months of residence, products from most banks become available. The timing of the application therefore matters: a newly arrived person and someone who has lived in the country for some time may face different conditions.
This means that opening an account without permanent residency is possible, but not a universally simple process: it may involve additional requirements. Be prepared to confirm your identity, explain your client profile, and meet the bank’s deposit or document requirements.