FAQ

Overview of Topics

Internetbanking

What Does DenizBank AG Internetbanking Offer Me?
How Can I Apply for Internetbanking with DenizBank AG?
What Are the Requirements for Internetbanking?
How Can I Log In to Internetbanking?
How Do I Receive My Log-In Details?
How Do I Receive My PIN?
What Do I Need to Take into Consideration at the First Log-In?
How Can I Order New Log-In Data?
What Is an Own Account Transfer?
Can I also Wire Transfer via the Function “Own Account Transfer“ to My Reference Account at a Foreign Bank?
How Can I Make Domestic or EU transfers?
Do I Have to Pay for Domestic or EU Transfers?
Can I Also Carry Out Wire Transfers Outside the EU?
Do I Have to Pay for International Transfers?
Can I Also Carry Out Transfers from My Daily Due Deposit Account?

Online Savings

Online Deposit Accounts

How Can I Open an Online Deposit Account at DenizBank AG?
When and How Do I Receive My Log-In?
Why Do I Need a Payment Account?
What Is a Post-Ident?
I Have an Online Account at DenizBank AG: Can I Still Withdraw Money at a DenizBank AG Branch?

Payment Account

What Is a Payment Account?
How Can I Open a Payment Account?
What Are the Fees for The Master Account?
What Is the Interest Rate of a Master Account?
I Have a Payment Account at DenizBank AG. Can I Start Saving Immediately?

Daily Due Deposit Account

What Is a Daily Due Deposit Account?
How Can I Open a Daily Due Deposit Account?
What Is the Interest Rate of a Daily Due Deposit Account?
What Are the Fees Associated with a Daily Due Deposit Account?
How Many Daily Due Deposit Accounts Can I Open?
What Is the Minimum Deposit for a Daily Due Deposit Account?
How Do I Pay My Deposit?
Can I Make Domestic and International Wire Transfers from my Daily Due Deposit Account?
When Will the Interest Be Credited to My Daily Due Deposit Account?

Time Deposit Account

What Is a Time Deposit Account?
How Can I Open a Time Deposit Account?
What Are the Terms of Time Deposit Accounts?
What Is the Minimum Deposit at Time Deposit Accounts?
How Do I Pay My Deposit?
When and how is the interest amount credited?
What Do I Need to Consider When Opening a Time Deposit Account?
How Many Time Deposit Accounts Can I Open?
What Do I Need to Do at the End of the Term?
Is the Interest Rate Guaranteed?
What Are the Fees for a Time Deposit Account?
How Can I Cancel My Time Deposit Account Before Maturity?
What is the Interest Rate in the Case of a Premature Resolution of a Time Deposit Account?

smsTAN Verification

What Is a TAN
How Does smsTAN Verification Work
What are the Cost of smsTAN Verification
How Can I Change My Phone Number for the smsTAN

S€PA – Payment transactions without borders

SEPA (Single Euro Payments Area) is standardizing cashless payment transactions within Europe.

The participating countries include the 28 EU Member States plus Norway and Liechtenstein as Member States of the European Economic Area (EEA), together with Monaco and Switzerland.

As of 1 February 2014, SEPA will likewise change the cashless payment transaction system in Germany. Banks and savings institutions (Sparkasse) are required to execute transfers and direct debits made in Euro in accordance with a standardized European-wide scheme.

The IBAN (International Bank Account Number) replaces your account number; the BIC (Business Identifier Code) replaces your bank code.

Would you like more information about SEPA or do you have any particular questions?

For more information, please read

FAQ Private Customers

Who does SEPA affect?
What will the conversion to SEPA cost me?
Is the new scheme really safer?
So what is the IBAN?
Where do I get my IBAN from?
What exactly is the BIC?
Do I have to modify my standing orders?
What changes will I notice in relation to bank transfers?
What benefits do I have with SEPA transfers?
Is it not true that SEPA transfers are even faster than inland bank transfers have been to date?
Are there new pre-printed payment transaction forms for Euro transfers (SEPA)?
What are the main changes to direct debits?
Are previous direct debits still valid?
Do I have to independently issue new direct debit collection mandates?
What is the Core Direct Debit Scheme?
What rights of recourse do I have, if an amount is wrongly debited?
What is the situation with standing orders and bank transfer slips?
Will there be any changes to my reference account?
Will there be any change to my online banking log-in details?

FAQ Corporate Customers

Where can I obtain my business partner’s IBAN and the BIC?
What is a creditor identifier?
Where can I obtain my creditor identifier?
Are there new pre-printed payment transaction forms for Euro transfers (SEPA)?
Are there new pre-printed payment transaction forms for the SEPA Direct Debit Scheme?
From when will I be able to use the new SEPA Direct Debit Scheme?
What are the benefits of these changes?
What are the legal consequences of the switch from the post-authorised to the pre-authorised direct debit scheme?
Are there any changes regarding the submission of direct debit payments under the direct debit authorisation scheme?
What is a direct debit collection mandate in a legal sense?
What is a pre-notification?
Is it possible for the 14-day period for issuing the pre-notification to be reduced by the payee's general terms and conditions?
Is a SEPA Core Direct Debit authorised even without pre-notification?
What is the situation with standing orders and bank transfer slips?
Will there be any changes to my reference account?
Will there be any change to my online banking log-in details?

Everything you need to know about the IBAN!

Use our Smartphone-App and its practical IBAN calculator. Simply enter the account number and you're good to go! For more information or an appointment please get in contact with us. Call our Contact Center 0800 4 88 66 00. We will be happy to assist you!
Bildquelle: European Payments Council
If you have further questions, please call our toll-free number 0800 4 88 66 00 or submit us your question by filling out the Contact Form.

New regulation effective since 2015: Church tax on Capital Gains

Since 1st January 2015 the church tax on capital gains (for example, interest, dividends) is automatically retained and paid to the tax-collecting religious communities.

In preparation for the church tax deduction, DenizBank AG is legally committed to check the religious affiliation of all customers with the Federal Tax Office (BZSt) once a year. The BZSt informs us about the members of a tax-raising religious community with the “Church Tax Deduction Feature (Kirchensteuerabzugsmerkmal-KISTAM). The KISTAM provides information about the religious affiliation of the customers to a tax-raising religious community and the existing valid church tax rate.

Right of objection and Blocking Notice

If you do not want to have the church tax levied by us, please contact the tax office and contradict the transmission of your KISTAM with a blocking notice. In this case, the declaration of the blocking notice shall be submitted to the BZSt with an official form until 30 June of this year (§ 51a paragraph. 2c, 2e Income Tax Law “Einkommensteuergesetz”).

The BZSt then informs your registered tax office about your contradiction; your tax office will ask you to submit a tax return discloser.

Blocking Notice Form

www.formulare-bfinv.de - Formularcenter - Sucheingabe „Kirchensteuer“ - Formular „Erklärung zum Sperrvermerk“
For more information, please get in contact with us. Call our Service Center 0800 4 88 66 00 or fill out Contact Form. We will be happy to assist you!

Estate

For the first notification of the estate, you are welcome to contact us in one of the following ways:

By mail: DenizBank AG Münchener Straße 7 60329 Frankfurt/Main
In person: In one of our 3 branches
By Fax to: +49 69 - 4272 603-4629
For your information: The deceased´s accounts can´t be continued under the name of the deceased person. Therefore, after receiving the initial notification, we will send you the forms required for an account change or account closure and, if necessary, request any missing documents.
Please note that the processing of the estate takes about four weeks.
In order to simplify the processing of the estate, we ask you in the case of an estate to submit the following documents (if they are already available to you).

Joint Account

Documents to be submitted by the co-accountholder:
Original or officially certified copy of the death certificate
Account Switching Form or Account Closing Request Form
If necessary, current proof of identity (if your proof of identity has already expired)
If necessary, exemption order


Individual Accounts

Documents to be submitted by the heir(s):
Original or officially certified copy of the death certificate
Original or officially certified copy of the opened will or certificate of inheritance
Current legitimisation of all heirs
Account Switching Form or Account Closing Request Form
If necessary, exemption order


Important legal information and footnotes:

Individual accounts are blocked until the estate is settled.
Please note that the current exemption orders end with the death of the deceased.
Current Time Deposits can be rewritten to the heir(s). If you want to cancel the term deposits early, then please note our Special Terms and Conditions Classic Savings / Online Savings.
The Deniz-Sparplan cannot be continued by the heirs. See the special conditions “Deniz-Sparplan”.
Legitimization can be done via the POSTIDENT (post-identification) procedure or by submitting certified copy of ID card. The POSTIDENT-Coupon can be downloaded at Documents or sent to us per post.
If the heir already has an account in our house, an informal order is sufficient to have the deceased’s account rewritten to the heir´s current account.
In the case of an existing and valid power of attorney, the submission of the opened will or certificate of heirship is no longer required.
We are happy to accept certifications issued by our branches or your bank.
If you do not have an account in our bank and wish a rewriting , you can open the account via our Website here or on site in one of our 3 branches and inform us in written form about the subsequent transfer of the estate via your newly opened account.