Fillable Checklist for opening a bank account/blocked account for foreign students (Deutsche Bank)

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Checklist for opening a bank account/blocked account for foreign students (Deutsche Bank)

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003 91995 30 DBEN 1473 VJ WWW I 200515
Checklist for opening a bank account/blocked account
for foreign students
Dear Sir or Madam,
Thank you for expressing an interest in opening an account at Deutsche Bank.
Please note that incomplete or incorrect applications lead to processing delays. With that in mind, this
checklist is designed to make it easier for you to open an account/blocked account. We recommend
you apply for the account early on because it is a prerequisite for your visa application.
1. Please use a PC to complete the application form for the opening of a bank account/blocked
account for foreign students. The completion verification function incorporated into the ap-
plication form will bring all the mandatory fields to your attention, for you to fill them in.
Please do not modify the form in any way. Attempts to get round the programming will auto-
matically lead to your application being rejected.
Important notes: Please fill the form in on a PC. The next few pages contain guidance notes to help
you complete the form.
2. Please print two copies of the completed application form (one copy is for your records)
3. Please make an appointment at the German embassy/consulate
1
. Please attend the appoint-
ment in person and have all your documents certified.
You must take the following documents with you and have them certified by the embassy:
■
Completed application form
■
Valid passport
■
A copy of the course admission letter from your university/language school
■
A prepaid envelope (from a private service provider such as FedEx, DHL or UPS)
■
Evidence of the source of your funds (e. g. bank statements)
4. The completed, certified and signed application form must be sent to the following address
by a German embassy/consulate:
Deutsche Bank AG
Alter Wall 53
20457 Hamburg
Germany
In addition to the application form, please send:
■
Certified copies of your passport
■
A copy of the admission letter from your university/language school
■
Evidence of the source of your funds (e. g. bank statements)
1
If there is a Deutsche Bank representative office in your country which opens blocked accounts. You must take your completed form, your passport and a copy of the admission letter from your
university/language school with you.
003 91995 30 DBEN 1473 VJ WWW I 200515
5. After the account has been opened:
transfer the minimum balance and service fee to your new account at Deutsche Bank
Important notes: We will send your IBAN and BIC to your e-mail address or your registered postal
address (whichever you selected in your account application) once the account has successfully
been opened.
Please allow for any fees charged by your usual bank and transfer charges.
Please note that we are unable to accept cheque payments.
As soon as we have received the money, we will automatically inform you by e-mail or letter,
depending on how you opted to receive information about the opening of your account.
6. Following your arrival in Germany, please fill in a service application order (i.e. an order to
activate the blocked account for foreign students). This can be found on the Deutsche Bank
website.
Important note:
You cannot use your account without the service order.
7. If you are not granted a visa to enter Germany, we need the following documents to transfer
the balance back to you:
■
Lifting of the block by the beneficiary of the blocked account or original letter stating that your
visa application was unsuccessful
■
Signed application to close the account (must be completed in full and signed)
Please send these original documents (an e-mail or fax is not acceptable) to the following address:
Deutsche Bank AG
Alter Wall 53
20457 Hamburg
Germany
The FAQ list contains common questions. If you have a question which isn’t answered there,
please contact us.
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
1
|
6
Personal details of account holder
Account holder Ms./Mrs. Mr. Title
First name/s
1
Surname
1
Maiden name
1
Date of birth Place of birth
Marital status Single Married, Other
assessed jointly
Nationality
Link to the USA
US citizenship?
Yes No Country of birth USA: Yes No
Profession/job
Email
Registered address
2
Address supplement (e.g. c/o)
Street House no.
Postcode Town/city
Country
Information concerning the Common Reporting Standard (CRS) and the German Anti Tax Avoidance Act (StUmgBG)
For tax purposes, I am registered exclusively in Germany.
German tax identification number (IdNr) German business identification number (W-IdNr.*)
For tax purposes, I am registered in Germany and the following countries:
German tax identification number (IdNr) German business identification number (W-IdNr.*)
Note: For every account holder, authorized person, beneficial owner banks according to the AO must impose the IdNr., the W-IdNr. or alternatively
the tax number for non-natural persons, according to FKAustG the tax residency. In case of nondisclosure of the tax codes the bank will request
the relevant information from, if necessary report to the BZSt.
For tax purposes, I am not registered in Germany but only in the following countries outside Germany
Tax domiciles abroad
Country Tax ID number or equivalent personal identification number in this country
On opening the account, funds of € (or equivalent) will be transferred.
Source of Funds
Salary
Euro
Employer‘s salary
Euro
Income from ongoing activity
Euro
(Self-employed)
Unemployed benefits
Euro
Income support (child benefit,
Euro
social welfare etc.)
Scholarship / BAföG
Euro
1
Stu dent
1
All names as per passport.
2
To be used as a postal address unless agreed otherwise.
*if available
003 91995 24 200515
1 / 6
Guidance notes
Please enter your current
home address here!
It is essential you enter
the street name.
Please mark with a cross
if applicable.
Place a cross in the box
that applies to you.
Please fill this form in on a PC.
Please enter an up-to-date,
correct e-mail address here.
Please mark with a cross
if applicable and complete.
You must place a cross in
one of these boxes. If you mark
the second box, you must also
complete the “Country” and
“Tax ID number” sections.
If you do not have a tax number,
please enter “not available” here.
Please be sure to enter a
town/city here – a country
name will not be accepted!
Please fill in the amount that will
be transferred for the first time.
Please give us the information
where the amount for the account
holder comes from
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
2
|
6
Personal details of account holder (cont‘d.)
Support from family members Euro
Pension
Euro
Income from rental and leasing
Euro
Income from investment
Euro
(interest and dividend income)
Other (general proof necessary)
Euro
Source of Wealth
Savings and capital assets (securities,
Euro
building loan contracts, insurance etc.)
Bequest
Euro
Present
Euro
Lottery winnings
Euro
Sales revenue from assets (real estate sales,
Euro
equity investments etc.)
Capital from loans
Euro
(personal loans, securities loans etc.)
Other (general proof necessary)
Euro
Sources (general proof necessary, e.g. bank statements):
The funds will not be transferred by me. Instead, they will come from:
My relationship with this person is as follows (e.g. father/son):
I anticipate an additional annual transaction volume of € (or equivalent)
Indicated Transaction Behavior – monthly (Source of funds)
Thereof volume cash deposits
Euro
Thereof volume cash withdrawals
Euro
Thereof volume foreign transactions
3
Euro
I am/someone close to me is a politically exposed person (PEP
2
) (first name/s
1
, surname
1
):
If so, state the PEP’s public function:
Please send confirmation that the account has been opened along with my account number, IBAN and BIC to:
the e-mail address above (unencrypted) or
the registered address above by post.
If you do not specify how you would like to receive confirmation that your account has been opened, we will send it to you by post.
Tax-relevant information
Bank account for private assets or Business or other investor
Note on statutory VAT: VAT ID No.
For the fees charged for services, the cash account/securities account agreement, plus the account settlement/account statement, together form
the invoice for VAT purposes. If no VAT is shown separately and no express reference is made to VAT being included in the invoiced amount, the
services invoiced are bank or financial services exempt from VAT.
VAT ID No. for Deutsche Bank AG, 60262 Frankfurt: DE114103379
1
32
1
All names as per passport.
2
Definition of PEPs: these are individuals who are or have been entrusted with a prominent public function and their immediate family members or people known to be their
close associates.
3
The term may include for example sending money, direct debit and standing order
003 91995 24 200515
2 / 6
Please note that dispatch by post
can take up to 4 weeks (the bank
is unable to influence this).
Please enter an amount here.
Please mark with a cross
if applicable.
Please check whether the
information in
2
applies to
you or others close to you.
Guidance notes
Please give us the information
where the amount for the account
holder comes from
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
3
|
6
German Anti-Money Laundering Act (GwG)
In accordance with the German Anti-Money Laundering Act (GwG), all customers are obliged to voluntarily and immediately notify the bank
of changes which occur during the business relationship to their personal data or beneficial ownership to be determined pursuant to this Act.
Details on trustors and beneficial owners:
I am acting for my own account.
Agreements
I would like to become a customer of Deutsche Bank AG and acquire products under the above customer number. The following agreements
shall apply to the business relationship:
43
54
Inclusion of business conditions:
The business relationship is governed by the bank’s General Business
Conditions. In addition, special conditions apply for individual busi-
ness relationships containing deviations from or supplements to the
bank’s General Business Conditions; these consist in particular of con-
ditions for joint accounts, for the use of account statement printers,
for cheques, for payment transfers, for direct debits, for permitted
overdrafts, for Deutsche Bank debit cards, for savings accounts, for
credit cards, for tax-related entries within the scope of the taxation of
capital gains and special conditions for securities transactions. Copies
of the individual sets of conditions can be obtained from the bank’s
branches or at www.deutsche-bank.de/start. These will be handed out
or sent by post upon request.
Current account agreement, accounting period:
The accounts are kept as ongoing current accounts, unless a deviating
regulation exists. Unless otherwise agreed, the bank issues a periodic
account balance statement for current accounts at the end of each
quarter. The legal effects of a periodic account balance statement and
the duties to examine its contents and, where applicable, to raise ob-
jections are regulated in Section 7 of the General Business Conditions.
Cash account and securities account notifications:
Unless otherwise agreed, all accounts opened under the customer mas-
ter number specified above are designated for the account statement
printer. Any notifications which cannot be retrieved using the account
statement printer will be sent to the dispatch address agreed above.
SCHUFA Information for Banks
5
The bank transfers personal data collected within the scope of
the instant contract related to the application for, performance or
termination of this business relationship as well as data regarding
conduct that violates a contract and/or is fraudulent, to SCHUFA
Holding AG, Kormoranweg 5, 65201 Wiesbaden. The legal bases
for such transmission comprise Art. 6 (1) (b) and Art. 6 (1) (f) Ge-
neral Data Protection Regulation (GDPR). Data may only be trans-
mitted on the basis of Art. 6 (1) (f) GDPR to the extent necessary
for the purposes safeguarding the legitimate interests pursued
of the bank or third parties and such interests are not overridden
by the interests or fundamental rights and freedoms of the data
subject which require protection of personal data. The exchange
of data with SCHUFA likewise facilitates the satisfaction of statu-
tory obligations to perform an evaluation of the creditworthiness
of customers (§ 505a of the German Civil Code; § 18a of the
German Banking Act).
The customer releases the bank from banking secrecy to such an
extent.
SCHUFA processes data it receives and also uses such data for
purposes of profile creation (Scoring) in order to provide its con-
tractual partners domiciled in the European Economic Area and
Switzerland as well third countries as applicable (to the extent an
adequacy decision from the European Commission is available for
such countries) information to be used to evaluate the credit-
worthiness of natural persons amongst other things. Additional
information regarding SCHUFA’s business may be found in the
SCHUFA Information Sheet or online at www.schufa.de/daten-
schutz.”
Data transmission to SCHUFA and release from banking secrecy
Declarations of consent
76
I declare my consent for Deutsche Bank AG to forward any re-
quired information in connection with my stipend/visa to the rele-
vant authorities, foreign resident authorities and representations
of Deutsche Bank AG relating to the blocked account hereby ap-
plied for via fax and/or email. I hereby release Deutsche Bank AG
from its obligation to maintain banking secrecy to the necessary
extent.
This declaration is voluntary and may be revoked at any time without
affecting the business relationship.
Declaration of consent for the forwarding of personal information to public authorities in the home country,
foreign resident authorities and representations of Deutsche Bank AG
1
All names as per passport
Data privacy information with regard to AO, GwG, StUmgBG, FKAustG and FATCA
Banks are required to obtain personal data related to the account holder(s), the authorized person(s) and the beneficial owners within the
meaning of the Money Laundering Act (Geldwäschegesetz-GwG) in accordance with the above-mentioned legal framework. The collected
personal data (e.g. name, address, residency, tax codes, year-end balance, total gross amount of interest, dividend sales proceeds and in case
of legal entities information about shareholdings or voting rights/control options) is also used for existing and future business relations, as far
as these relations also require the respective personal data. If you do not comply with your obligation to cooperate, e.g. in the context of the
opening of a new customer connection within 14 days and we cannot lawfully record the tax information for other reasons, we will ask for the
relevant tax information at the BZSt. If the legally required data to be collected could not be determined due to insufficient participation, we are
obliged to inform the BZSt. Accounts with a foreign reference may be reported to foreign tax authorities for CRS/FATCA purposes via the BZSt.
Data privacy notices
77
003 91995 24 200515
3 / 6
Guidance notes
Please mark with a cross.
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
4
|
6
1
All names as per passport
(different sum if required)*
(different sum if required)*
(different sum if required)*
Product application
I hereby apply for the following products. If I cease to use these products in future, the agreements relating to the opening of a bank account
(1 to 6) remain in force.
db AktivKonto
For monthly fee see List of Prices and Services of Deutsche Bank AG
If possible please allocate the account to a branch close to my place of study.
My university/language school
(as per the enclosed admission letter) is:
And is located in (specify place):
I hereby enter into the following agreement with you in respect of this blocked account:
A credit balance of € 10,236.00* / €
* (“blocked balance”) is blocked for the benefit of the regional body under
public law to which the foreign resident authority responsible for the account holder’s current place of residence in Germany, or last place of
residence if he/she has moved out of the territory of the Federal Republic of Germany, is attributable (“blocked account beneficiary”), represen-
ted by this foreign resident authority. If further balances are paid into the account, the blocking agreement does not apply to any balances in
excess of the blocked balance.
As regards the blocked account beneficiary, the block shall only take effect after the full blocked balance is paid into the blocked account.
After the blocked balance has been paid in in full, the account holder may freely dispose over the blocked balance up to a monthly sum
of € 853.00* / €
* per month without the consent of the blocked account beneficiary, with the exception of the basic
sum specified in further detail below. If the full disposal amount is not fully utilised in the respective month, this increases the free right of
disposition in the following months by a corresponding amount (accumulation).
Dispositions above a sum of € 0.00* / €
* (“basic sum”) from the blocked balance are only possible with the special
agreement of the blocked beneficiary.
In addition, dispositions over the blocked account are only possible with the consent of the blocked account beneficiary.
Dispositions over any balance in excess of the blocked balance – after deduction of the freely disposable sums – are excluded from this provision.
As soon as the blocked balance has been fully disposed of pursuant to this agreement, the block expires. Otherwise the block only expires if
the bank is provided with an express written approval from the blocked account beneficiary.
The agreement to block the aforementioned balance is subject to the condition subsequent of the presentation of the original letter refusing
the account holder’s visa application bearing the official stamp of the blocked account beneficiary. In the event that the condition
subsequent occurs, the account holder may dispose over his/her balance via a transfer instruction and is required to close the account as soon
as possible.
A fee of € 150.00 is charged for the above special contractual agreement concerning the block and its processing, which the Bank is
not legally obliged to undertake. An additional € 150.00 will be charged for each change to the blocking agreement (e.g. change to
the blocked balance due to an extension of the study visit). The bank is entitled to charge these fees to the blocked account.
*If a different amount is specified, then this amount will apply. However, if a different amount is not specified, the fixed standard amount will apply in every case.
Deutsche Bank Card – with PIN (personal identification number)
Card and PIN should only be sent to the account holder after his/her entry to Germany
and to the address then specified by him/her.
The transaction limit of the card is € 300 per day and € 600 over seven days.
The conditions for the use of debit cards apply.
8
Electronic payment channels
Online banking Registration of my accounts and any securities for Deutsche Bank OnlineBanking for use by the account holder. Access is
facilitated by the PIN-/photoTAN process: a daily transaction limit of € 2,500 will be applied for.
The PIN and TAN shall only be activated and issued after the account holder has entered Germany and to the address then
specified by him/her.
The terms and conditions for the access to Deutsche Bank AG via electronic media, for the waiver of printed account statements and for
the Electronic Broking Service (EBS) apply.
89
Special notes on the immediate performance of the contract
I declare my express consent for the bank to commence performance of this contract on acceptance of my application for the contract to
be concluded but before expiry of the cancellation period.
910
003 91995 24 200515
4 / 6
Guidance notes
Please complete both sections.
Please only complete this
section if the embassy/consulate
has arranged different blocked
balances with you.
Please mark with a cross
if you want to use this option.
Please mark with a cross
if applicable.
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
5
|
6
As of 1 January 2015, banks are legally obliged to inform you about the
impending exchange of information on church tax. We automatically
deduct church tax on the flat-rate withholding tax and pay it to tax office
for members of religious communities that collect taxes. However, this
applies only if your capital gains exceed the tax-free saver’s allowance
(single: €801, jointly assessed: €1,602) or if you have not issued us with
an exemption order for capital gains tax. Church tax is charged at 8
percent in Baden-Württemberg and Bavaria, and at 9 percent in all other
federal states, as a surcharge on the capital gains tax rate of 25 percent.
Capital gains have always been subject to church tax as part of income,
and as such, this is not a new tax.
In order to deduct church tax, we are legally obliged to request informa-
tion from the Federal Tax Office on your religious affiliation in the form of
an encrypted code. The church tax deduction attribute (Kirchensteuera-
bzugsmerkmal – KiStAM) provides information on your affiliation with a
religious community that collects taxes and the rate of church tax that ap-
plies in your case. This request is made once a year between 1 September
and 31 October. Your obligation to pay church tax on capital gains is then
met in full. No further disclosures are specified in your tax return.
If you do not want the Federal Tax Office to transmit your church tax
data in encrypted form, you may issue an objection to the transmission
of the data by 30 June each year. Please forward your objection in this
regard to the Federal Tax Office directly. The official form to do this can
be found on www.formulare-bfinv.de. It is called “Erklärung zum Sperr-
vermerk” (declaration of a blocking notice) and can be accessed by en-
tering the key word “Kirchensteuer” (church tax) in the search field.
The Federal Tax Office will then block the transmission of your church
tax deduction attribute to banks. Should you have already have issued
an objection to the transmission of this data, you do not need to do so
again. An objection continues to apply until it is revoked. Accordingly,
we will not deduct and pay church tax for you. The Federal Tax Office
will notify your tax office about the objection. Church members will be
requested by their tax office to submit a tax return for the collection of
church tax on the flat-rate withholding tax.
The legal basis for this procedure is set out in section 51a (2c) and (2e)
of the German Income Tax Act (Einkommensteuergesetz) and in the
federal states’ church tax laws.
Further information can be obtained from the Federal Central Tax Office
(Bundeszentralamt für Steuern, Arbeitsbereich Kirchensteuerabzug),
11055 Berlin, on the webpage www.bzst.de or by calling 0228/406-1240.
Supplementary note in connection with setting up a client relationship:
In this case, your church tax data will be requested approximately three
months after the client relationship has commenced. The data reported
to us by the Federal Tax Office are taken into account for the current
year. You have the possibility to issue an objection to the Federal Tax
Office regarding the transmission of your religious affiliation data in this
case as well. In order for the Federal Tax Office to take this objection into
account, it must be submitted to the Federal Tax Office at the latest one
month after a new bank account is opened.
Information on the withholding of church tax
Signature
Date Town/city
Signature of account holder
1011
1112
Guidance on the scope of deposit protection
The Bank is a member of the Deposit Protection Fund of the Association of German Banks (Einlagensicherungsfonds des Bundesverbandes deut-
scher Banken e.V) and the Compensation Scheme of German Banks (Entschädigungseinrichtung deutscher Banken GmbH).
In accordance with its By-laws – subject to the exceptions provided for therein – the Deposit Protection Fund protects deposits. Among these are
sight, time and savings deposits, including registered savings certificates.
Not protected are, inter alia, liabilities from bearer and order bonds, deposits forming part of the Bank’s own funds, as well as deposits of credit
institutions within the meaning of Article 4 (1), point (1) of Regulation (EU) No. 575/2013, financial institutions within the meaning of Article 4 (1),
point (26) of Regulation (EU) No. 575/2013, investment firms within the meaning of Article 4 (1), point (1) of Directive 2004/39/EC and central,
regional and local authorities.
The protection ceiling for each creditor is, until 31 December 2019, 20%, until 31 December 2024, 15%, and, as of 1 January 2025, 8.75% of the
own funds of the Bank used for deposit protection purposes.
The respective protection ceiling shall be notified to the customer by the Bank on request. The protection ceiling, the By-laws of the Deposit Protec-
tion Fund and further information on deposit protection are also available online at https://einlagensicherungsfonds.de. Further details of protection
are contained particularly in Section 6 of the Deposit Protection Fund By-laws.
The following restriction shall not apply to natural persons and foundations with legal capacity
Deposits of other creditors as natural persons and as foundations with legal capacity are not protected if
(i) the deposit is a liability from a registered bond or a promissory note or
(ii) the term of the deposit is more than 18 months. Deposits that already existed before 1 January 2020 shall not be subject to this limi-
tation of term. After 31 December 2019, the ‘grandfathered’ status under the preceding sentence shall cease to apply as soon as the
deposit in question falls due, can be terminated or otherwise reclaimed, or if the deposit is transferred by way of individual or universal
succession in title.
Liabilities of banks that already existed before 1 October 2017 are protected in accordance with and under the conditions laid down in
the provisions of the By-laws of the Deposit Protection Fund applying until 1 October 2017. After 30 September 2017, the ‘grandfathe-
red’ status under the preceding sentence shall cease to apply as soon as the liability in question falls due, can be terminated or other-
wise reclaimed, or if the liability is transferred by way of individual or universal succession in title.
13
1
All names as per passport
003 91995 24 200515
5 / 6
Guidance notes
Please only add the date,
town/city and signature in
the presence of an embassy
employee.
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
6
|
6
Guidance on the scope of deposit protection (cont‘d.)
Irrespective of the Bank´s liability in the event that, contrary to its duties, it is unable to return securities belonging to the customer and compen-
sation is payable, a claim for compensation may also be filed against the Compensation Scheme of German Banks. The amount of the claim for
compensation against the Compensation Scheme of German Banks is limited to 90 % of the value of these securities, but to not more than the
equivalent of Euro 20.000.
I have taken due note of the above guidance on the scope of deposit protection and protection of liabilities deriving from securities business.
Signature of account holder
13
Internal remarks (the following section is only filled out by the bank)
Type of document
No./reference
Issuing authority Date of issue
Date
Stamp
Confirmation of accuracy of data
(always requried):
1st signature of employee of representation/branch
(always required)
Neutral idenitity verification
(always requried):
2nd signature of employee of representation/branch
(always required)
Send us the complete documentation signed by the customer, certified copy of passport/ID card, certified application to open account and, if
available, a copy of the confirmation from the university/language school to the following address:
Deutsche Bank AG
Alter Wall 53
20457 Hamburg
Germany
Copy/-ies of passport/identity papers prepared
The documents enclosed correspond to the originals provided to me today.
14
Confirmation of receipt
I have received a copy of
n

the information about account and online banking including the information on cancellation rights,
n

the account opening application “Eröffnung einer Bankverbindung für ausländische Studenten” (opening an account for foreign
students),
n

the General Terms and Conditions and the conditions for the use of account statement printers, for cheques,
for payment transfers, for permitted overdrafts, for payments by direct debit, for Deutsche Bank debit cards, for access to the bank via
electronic media, for the Electronic Broking Service (EBS).
Date
Town/city
Signature of account holder
1
All names as per passport
003 91995 24 200515
6 / 6
Guidance notes
This section will be completed
by the bank/representation.
Please only sign the form in
the presence of an embassy
employee.
Please only add the date,
town/city and signature in
the presence of an embassy
employee.
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
1
|
6
Personal details of account holder
Account holder Ms./Mrs. Mr. Title
First name/s
1
Surname
1
Maiden name
1
Date of birth Place of birth
Marital status Single Married, Other
assessed jointly
Nationality
Link to the USA
US citizenship?
Yes No Country of birth USA: Yes No
Profession/job
Email
Registered address
2
Address supplement (e.g. c/o)
Street House no.
Postcode Town/city
Country
Information concerning the Common Reporting Standard (CRS) and the German Anti Tax Avoidance Act (StUmgBG)
For tax purposes, I am registered exclusively in Germany.
German tax identification number (IdNr) German business identification number (W-IdNr.*)
For tax purposes, I am registered in Germany and the following countries:
German tax identification number (IdNr) German business identification number (W-IdNr.*)
Note: For every account holder, authorized person, beneficial owner banks according to the AO must impose the IdNr., the W-IdNr. or alternatively
the tax number for non-natural persons, according to FKAustG the tax residency. In case of nondisclosure of the tax codes the bank will request
the relevant information from, if necessary report to the BZSt.
For tax purposes, I am not registered in Germany but only in the following countries outside Germany
Tax domiciles abroad
Country Tax ID number or equivalent personal identification number in this country
On opening the account, funds of € (or equivalent) will be transferred.
Source of Funds
Salary
Euro
Employer‘s salary
Euro
Income from ongoing activity
Euro
(Self-employed)
Unemployed benefits
Euro
Income support (child benefit,
Euro
social welfare etc.)
Scholarship / BAföG
Euro
1
Stu dent
1
All names as per passport.
2
To be used as a postal address unless agreed otherwise.
*if available
Formular zurücksetzen
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
2
|
6
Personal details of account holder (cont‘d.)
Support from family members Euro
Pension
Euro
Income from rental and leasing
Euro
Income from investment
Euro
(interest and dividend income)
Other (general proof necessary)
Euro
Source of Wealth
Savings and capital assets (securities,
Euro
building loan contracts, insurance etc.)
Bequest
Euro
Present
Euro
Lottery winnings
Euro
Sales revenue from assets (real estate sales,
Euro
equity investments etc.)
Capital from loans
Euro
(personal loans, securities loans etc.)
Other (general proof necessary)
Euro
Sources (general proof necessary, e.g. bank statements):
The funds will not be transferred by me. Instead, they will come from:
My relationship with this person is as follows (e.g. father/son):
I anticipate an additional annual transaction volume of € (or equivalent)
Indicated Transaction Behavior – monthly (Source of funds)
Thereof volume cash deposits
Euro
Thereof volume cash withdrawals
Euro
Thereof volume foreign transactions
3
Euro
I am/someone close to me is a politically exposed person (PEP
2
) (first name/s
1
, surname
1
):
If so, state the PEP’s public function:
Please send confirmation that the account has been opened along with my account number, IBAN and BIC to:
the e-mail address above (unencrypted) or
the registered address above by post.
If you do not specify how you would like to receive confirmation that your account has been opened, we will send it to you by post.
Tax-relevant information
Bank account for private assets or Business or other investor
Note on statutory VAT: VAT ID No.
For the fees charged for services, the cash account/securities account agreement, plus the account settlement/account statement, together form
the invoice for VAT purposes. If no VAT is shown separately and no express reference is made to VAT being included in the invoiced amount, the
services invoiced are bank or financial services exempt from VAT.
VAT ID No. for Deutsche Bank AG, 60262 Frankfurt: DE114103379
1
32
1
All names as per passport.
2
Definition of PEPs: these are individuals who are or have been entrusted with a prominent public function and their immediate family members or people known to be their
close associates.
3
The term may include for example sending money, direct debit and standing order
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
3
|
6
German Anti-Money Laundering Act (GwG)
In accordance with the German Anti-Money Laundering Act (GwG), all customers are obliged to voluntarily and immediately notify the bank
of changes which occur during the business relationship to their personal data or beneficial ownership to be determined pursuant to this Act.
Details on trustors and beneficial owners:
I am acting for my own account.
Agreements
I would like to become a customer of Deutsche Bank AG and acquire products under the above customer number. The following agreements
shall apply to the business relationship:
43
54
Inclusion of business conditions:
The business relationship is governed by the bank’s General Business
Conditions. In addition, special conditions apply for individual busi-
ness relationships containing deviations from or supplements to the
bank’s General Business Conditions; these consist in particular of con-
ditions for joint accounts, for the use of account statement printers,
for cheques, for payment transfers, for direct debits, for permitted
overdrafts, for Deutsche Bank debit cards, for savings accounts, for
credit cards, for tax-related entries within the scope of the taxation of
capital gains and special conditions for securities transactions. Copies
of the individual sets of conditions can be obtained from the bank’s
branches or at www.deutsche-bank.de/start. These will be handed out
or sent by post upon request.
Current account agreement, accounting period:
The accounts are kept as ongoing current accounts, unless a deviating
regulation exists. Unless otherwise agreed, the bank issues a periodic
account balance statement for current accounts at the end of each
quarter. The legal effects of a periodic account balance statement and
the duties to examine its contents and, where applicable, to raise ob-
jections are regulated in Section 7 of the General Business Conditions.
Cash account and securities account notifications:
Unless otherwise agreed, all accounts opened under the customer mas-
ter number specified above are designated for the account statement
printer. Any notifications which cannot be retrieved using the account
statement printer will be sent to the dispatch address agreed above.
SCHUFA Information for Banks
5
The bank transfers personal data collected within the scope of
the instant contract related to the application for, performance or
termination of this business relationship as well as data regarding
conduct that violates a contract and/or is fraudulent, to SCHUFA
Holding AG, Kormoranweg 5, 65201 Wiesbaden. The legal bases
for such transmission comprise Art. 6 (1) (b) and Art. 6 (1) (f) Ge-
neral Data Protection Regulation (GDPR). Data may only be trans-
mitted on the basis of Art. 6 (1) (f) GDPR to the extent necessary
for the purposes safeguarding the legitimate interests pursued
of the bank or third parties and such interests are not overridden
by the interests or fundamental rights and freedoms of the data
subject which require protection of personal data. The exchange
of data with SCHUFA likewise facilitates the satisfaction of statu-
tory obligations to perform an evaluation of the creditworthiness
of customers (§ 505a of the German Civil Code; § 18a of the
German Banking Act).
The customer releases the bank from banking secrecy to such an
extent.
SCHUFA processes data it receives and also uses such data for
purposes of profile creation (Scoring) in order to provide its con-
tractual partners domiciled in the European Economic Area and
Switzerland as well third countries as applicable (to the extent an
adequacy decision from the European Commission is available for
such countries) information to be used to evaluate the credit-
worthiness of natural persons amongst other things. Additional
information regarding SCHUFA’s business may be found in the
SCHUFA Information Sheet or online at www.schufa.de/daten-
schutz.”
Data transmission to SCHUFA and release from banking secrecy
Declarations of consent
76
I declare my consent for Deutsche Bank AG to forward any re-
quired information in connection with my stipend/visa to the rele-
vant authorities, foreign resident authorities and representations
of Deutsche Bank AG relating to the blocked account hereby ap
-
plied for via fax and/or email. I hereby release Deutsche Bank AG
from its obligation to maintain banking secrecy to the necessary
extent.
This declaration is voluntary and may be revoked at any time without
affecting the business relationship.
Declaration of consent for the forwarding of personal information to public authorities in the home country,
foreign resident authorities and representations of Deutsche Bank AG
1
All names as per passport
Data privacy information with regard to AO, GwG, StUmgBG, FKAustG and FATCA
Banks are required to obtain personal data related to the account holder(s), the authorized person(s) and the beneficial owners within the
meaning of the Money Laundering Act (Geldwäschegesetz-GwG) in accordance with the above-mentioned legal framework. The collected
personal data (e.g. name, address, residency, tax codes, year-end balance, total gross amount of interest, dividend sales proceeds and in case
of legal entities information about shareholdings or voting rights/control options) is also used for existing and future business relations, as far
as these relations also require the respective personal data. If you do not comply with your obligation to cooperate, e.g. in the context of the
opening of a new customer connection within 14 days and we cannot lawfully record the tax information for other reasons, we will ask for the
relevant tax information at the BZSt. If the legally required data to be collected could not be determined due to insufficient participation, we are
obliged to inform the BZSt. Accounts with a foreign reference may be reported to foreign tax authorities for CRS/FATCA purposes via the BZSt.
Data privacy notices
77
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
4
|
6
1
All names as per passport
(different sum if required)*
(different sum if required)*
(different sum if required)*
Product application
I hereby apply for the following products. If I cease to use these products in future, the agreements relating to the opening of a bank account
(1 to 6) remain in force.
db AktivKonto
For monthly fee see List of Prices and Services of Deutsche Bank AG
If possible please allocate the account to a branch close to my place of study.
My university/language school
(as per the enclosed admission letter) is:
And is located in (specify place):
I hereby enter into the following agreement with you in respect of this blocked account:
A credit balance of € 10,236.00* / €
* (“blocked balance”) is blocked for the benefit of the regional body under
public law to which the foreign resident authority responsible for the account holder’s current place of residence in Germany, or last place of
residence if he/she has moved out of the territory of the Federal Republic of Germany, is attributable (“blocked account beneficiary”), represen-
ted by this foreign resident authority. If further balances are paid into the account, the blocking agreement does not apply to any balances in
excess of the blocked balance.
As regards the blocked account beneficiary, the block shall only take effect after the full blocked balance is paid into the blocked account.
After the blocked balance has been paid in in full, the account holder may freely dispose over the blocked balance up to a monthly sum
of € 853.00* / €
* per month without the consent of the blocked account beneficiary, with the exception of the basic
sum specified in further detail below. If the full disposal amount is not fully utilised in the respective month, this increases the free right of
disposition in the following months by a corresponding amount (accumulation).
Dispositions above a sum of € 0.00* / €
* (“basic sum”) from the blocked balance are only possible with the special
agreement of the blocked beneficiary.
In addition, dispositions over the blocked account are only possible with the consent of the blocked account beneficiary.
Dispositions over any balance in excess of the blocked balance – after deduction of the freely disposable sums – are excluded from this provision.
As soon as the blocked balance has been fully disposed of pursuant to this agreement, the block expires. Otherwise the block only expires if
the bank is provided with an express written approval from the blocked account beneficiary.
The agreement to block the aforementioned balance is subject to the condition subsequent of the presentation of the original letter refusing
the account holder’s visa application bearing the official stamp of the blocked account beneficiary. In the event that the condition
subsequent occurs, the account holder may dispose over his/her balance via a transfer instruction and is required to close the account as soon
as possible.
A fee of € 150.00 is charged for the above special contractual agreement concerning the block and its processing, which the Bank is
not legally obliged to undertake. An additional € 150.00 will be charged for each change to the blocking agreement (e.g. change to
the blocked balance due to an extension of the study visit). The bank is entitled to charge these fees to the blocked account.
*If a different amount is specified, then this amount will apply. However, if a different amount is not specified, the fixed standard amount will apply in every case.
Deutsche Bank Card – with PIN (personal identification number)
Card and PIN should only be sent to the account holder after his/her entry to Germany
and to the address then specified by him/her.
The transaction limit of the card is € 300 per day and € 600 over seven days.
The conditions for the use of debit cards apply.
8
Electronic payment channels
Online banking Registration of my accounts and any securities for Deutsche Bank OnlineBanking for use by the account holder. Access is
facilitated by the PIN-/photoTAN process: a daily transaction limit of € 2,500 will be applied for.
The PIN and TAN shall only be activated and issued after the account holder has entered Germany and to the address then
specified by him/her.
The terms and conditions for the access to Deutsche Bank AG via electronic media, for the waiver of printed account statements and for
the Electronic Broking Service (EBS) apply.
89
Special notes on the immediate performance of the contract
I declare my express consent for the bank to commence performance of this contract on acceptance of my application for the contract to
be concluded but before expiry of the cancellation period.
910
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
5
|
6
As of 1 January 2015, banks are legally obliged to inform you about the
impending exchange of information on church tax. We automatically
deduct church tax on the flat-rate withholding tax and pay it to tax office
for members of religious communities that collect taxes. However, this
applies only if your capital gains exceed the tax-free saver’s allowance
(single: €801, jointly assessed: €1,602) or if you have not issued us with
an exemption order for capital gains tax. Church tax is charged at 8
percent in Baden-Württemberg and Bavaria, and at 9 percent in all other
federal states, as a surcharge on the capital gains tax rate of 25 percent.
Capital gains have always been subject to church tax as part of income,
and as such, this is not a new tax.
In order to deduct church tax, we are legally obliged to request informa-
tion from the Federal Tax Office on your religious affiliation in the form of
an encrypted code. The church tax deduction attribute (Kirchensteuera-
bzugsmerkmal – KiStAM) provides information on your affiliation with a
religious community that collects taxes and the rate of church tax that ap-
plies in your case. This request is made once a year between 1 September
and 31 October. Your obligation to pay church tax on capital gains is then
met in full. No further disclosures are specified in your tax return.
If you do not want the Federal Tax Office to transmit your church tax
data in encrypted form, you may issue an objection to the transmission
of the data by 30 June each year. Please forward your objection in this
regard to the Federal Tax Office directly. The official form to do this can
be found on www.formulare-bfinv.de. It is called “Erklärung zum Sperr-
vermerk” (declaration of a blocking notice) and can be accessed by en-
tering the key word “Kirchensteuer” (church tax) in the search field.
The Federal Tax Office will then block the transmission of your church
tax deduction attribute to banks. Should you have already have issued
an objection to the transmission of this data, you do not need to do so
again. An objection continues to apply until it is revoked. Accordingly,
we will not deduct and pay church tax for you. The Federal Tax Office
will notify your tax office about the objection. Church members will be
requested by their tax office to submit a tax return for the collection of
church tax on the flat-rate withholding tax.
The legal basis for this procedure is set out in section 51a (2c) and (2e)
of the German Income Tax Act (Einkommensteuergesetz) and in the
federal states’ church tax laws.
Further information can be obtained from the Federal Central Tax Office
(Bundeszentralamt für Steuern, Arbeitsbereich Kirchensteuerabzug),
11055 Berlin, on the webpage www.bzst.de or by calling 0228/406-1240.
Supplementary note in connection with setting up a client relationship:
In this case, your church tax data will be requested approximately three
months after the client relationship has commenced. The data reported
to us by the Federal Tax Office are taken into account for the current
year. You have the possibility to issue an objection to the Federal Tax
Office regarding the transmission of your religious affiliation data in this
case as well. In order for the Federal Tax Office to take this objection into
account, it must be submitted to the Federal Tax Office at the latest one
month after a new bank account is opened.
Information on the withholding of church tax
Signature
Date Town/city
Signature of account holder
1011
1112
Guidance on the scope of deposit protection
The Bank is a member of the Deposit Protection Fund of the Association of German Banks (Einlagensicherungsfonds des Bundesverbandes deut-
scher Banken e.V) and the Compensation Scheme of German Banks (Entschädigungseinrichtung deutscher Banken GmbH).
In accordance with its By-laws – subject to the exceptions provided for therein – the Deposit Protection Fund protects deposits. Among these are
sight, time and savings deposits, including registered savings certificates.
Not protected are, inter alia, liabilities from bearer and order bonds, deposits forming part of the Bank’s own funds, as well as deposits of credit
institutions within the meaning of Article 4 (1), point (1) of Regulation (EU) No. 575/2013, financial institutions within the meaning of Article 4 (1),
point (26) of Regulation (EU) No. 575/2013, investment firms within the meaning of Article 4 (1), point (1) of Directive 2004/39/EC and central,
regional and local authorities.
The protection ceiling for each creditor is, until 31 December 2019, 20%, until 31 December 2024, 15%, and, as of 1 January 2025, 8.75% of the
own funds of the Bank used for deposit protection purposes.
The respective protection ceiling shall be notified to the customer by the Bank on request. The protection ceiling, the By-laws of the Deposit Protec-
tion Fund and further information on deposit protection are also available online at https://einlagensicherungsfonds.de. Further details of protection
are contained particularly in Section 6 of the Deposit Protection Fund By-laws.
The following restriction shall not apply to natural persons and foundations with legal capacity
Deposits of other creditors as natural persons and as foundations with legal capacity are not protected if
(i) the deposit is a liability from a registered bond or a promissory note or
(ii) the term of the deposit is more than 18 months. Deposits that already existed before 1 January 2020 shall not be subject to this limi-
tation of term. After 31 December 2019, the ‘grandfathered’ status under the preceding sentence shall cease to apply as soon as the
deposit in question falls due, can be terminated or otherwise reclaimed, or if the deposit is transferred by way of individual or universal
succession in title.
Liabilities of banks that already existed before 1 October 2017 are protected in accordance with and under the conditions laid down in
the provisions of the By-laws of the Deposit Protection Fund applying until 1 October 2017. After 30 September 2017, the ‘grandfathe-
red’ status under the preceding sentence shall cease to apply as soon as the liability in question falls due, can be terminated or other-
wise reclaimed, or if the liability is transferred by way of individual or universal succession in title.
13
1
All names as per passport
Opening of a bank account/
blocked account for foreign
students
003 91995 28 DBEN 164 WWW ERO BV VJ 200515
First name/s
1
Surname
1
6
|
6
Guidance on the scope of deposit protection (cont‘d.)
Irrespective of the Bank´s liability in the event that, contrary to its duties, it is unable to return securities belonging to the customer and compen-
sation is payable, a claim for compensation may also be filed against the Compensation Scheme of German Banks. The amount of the claim for
compensation against the Compensation Scheme of German Banks is limited to 90 % of the value of these securities, but to not more than the
equivalent of Euro 20.000.
I have taken due note of the above guidance on the scope of deposit protection and protection of liabilities deriving from securities business.
Signature of account holder
13
Internal remarks (the following section is only filled out by the bank)
Type of document
No./reference
Issuing authority Date of issue
Date
Stamp
Confirmation of accuracy of data
(always requried):
1st signature of employee of representation/branch
(always required)
Neutral idenitity verification
(always requried):
2nd signature of employee of representation/branch
(always required)
Send us the complete documentation signed by the customer, certified copy of passport/ID card, certified application to open account and, if
available, a copy of the confirmation from the university/language school to the following address:
Deutsche Bank AG
Alter Wall 53
20457 Hamburg
Germany
Copy/-ies of passport/identity papers prepared
The documents enclosed correspond to the originals provided to me today.
14
Confirmation of receipt
I have received a copy of
n

the information about account and online banking including the information on cancellation rights,
n

the account opening application “Eröffnung einer Bankverbindung für ausländische Studenten” (opening an account for foreign
students),
n

the General Terms and Conditions and the conditions for the use of account statement printers, for cheques,
for payment transfers, for permitted overdrafts, for payments by direct debit, for Deutsche Bank debit cards, for access to the bank via
electronic media, for the Electronic Broking Service (EBS).
Date
Town/city
Signature of account holder
1
All names as per passport
003 00000 00 DBDE 2276 I 200515
Name des Kontoanbieters: Deutsche Bank AG
Kontobezeichnung: AktivKonto für volljährige ausländische Studenten
Datum: 15/05/2020
•
Hiermit informieren wir Sie über die Entgelte, die bei Nutzung der wichtigsten mit dem
Zahlungskonto verbundenen Dienste anfallen, damit Sie diese mit anderen Konten vergleichen
können.
•
Darüber hinaus können auch Entgelte für hier nicht aufgeführte Dienste anfallen. Umfassende
Informationen erhalten Sie im Preis- und Leistungsverzeichnis der Deutsche Bank AG.
•
Ein Glossar der hier verwendeten Begriffe ist kostenfrei erhältlich.
Dienst Entgelt
Allgemeine mit dem Konto verbundene Dienste
Kontoführung Monatlich
Jährliche Gesamtentgelte
5,90 EUR
70,80 EUR
Umfasst ein Dienstleistungspaket bestehend
aus:
In unbegrenzter Anzahl
- Beleglose Überweisungen [SEPA-
Überweisung
1
]
- Gutschrift von Überweisungen [SEPA-
Überweisung
1
und SEPA-
Echtzeitüberweisung
1
]
- Einrichtung oder Änderung von
Daueraufträgen [SEPA-Dauerauftrag
1
] im
Online-Banking oder am Bankingterminal
- Ausführung oder Löschung von
Daueraufträgen [SEPA-Dauerauftrag
1
]
- Einlösung von Lastschriften [SEPA-
Basislastschrift
1
]
- Ausgabe von Debitkarten [Deutsche Bank
Card Service]
- Bargeldeinzahlungen
2,3
- Bargeldauszahlungen
2,3
an der Kasse
- Bargeldauszahlungen mit der Debitkarte
[Deutsche Bank Card
4
, bzw Deutsche Bank
Card Service und Deutsche Bank Card Plus
5
]
am institutseigenen Geldautomaten
- Bargeldauszahlungen mit der Debitkarte
[Deutsche Bank Card
4
bzw Deutsche Bank
Card Service] an fremden
6
Geldautomaten
oder Geldautomaten der CashGroup
7
1
Entgeltinformation
003 00000 00 DBDE 2276 I 200515
- Bargeldauszahlungen mit der Debitkarte
[Deutsche Bank Card
4
und Deutsche Bank Card
Plus
5
] an Geldautomaten ausländischer
Kooperationspartner
8
in EUR
- Bargeldauszahlungen mit der Debitkarte
[Deutsche Bank Card
4
und Deutsche Bank Card
Plus
5
] an Geldautomaten ausländischer
Kooperationspartner
8
in Fremdwährung
- Kontoauszüge im Online-Banking oder am
Bankingterminal
In begrenzter Anzahl
- Ausgabe einer Debitkarte [Deutsche Bank
Card
4
]
Über diese Anzahl hinausgehende Dienste
werden getrennt in Rechnung gestellt.
Zahlungen (ohne Karten)
Überweisung
[SEPA-Überweisung
1
]
Je beleghafte Überweisung
bzw. Überweisung über einen
Mitarbeiter im telefonischen
Kundenservice
1,50 EUR
Je formlos erteilte Überweisung
zzgl. Entgelt für beleghafte
Überweisung
8,00 EUR
zzgl.
1,50 EUR
[SEPA-Echtzeitüberweisung
1
] Je Überweisung per
Online-Banking
0,60 EUR
Dauerauftrag [SEPA-Dauerauftrag
1
] Je Einrichtung oder Änderung
von Daueraufträgen über einen
Mitarbeiter im telefonischen
Kundenservice oder in der Filiale
1,50 EUR
Berechtigte Ablehnung der Einlösung einer
Lastschrift [SEPA-Basislastschrift
1
]
Je Ablehnung 0,68 EUR
Berechtigte Ablehnung der Ausführung eines
Überweisungsauftrags [SEPA-Überweisung
1
]
Je Ablehnung 0,68 EUR
Karten und Bargeld
Ausgabe einer Debitkarte
[Deutsche Bank Card Plus
5
]
p.a.
Jährliche Gesamtentgelte
18 EUR
Ausgabe einer Kreditkarte Dienst nicht verfügbar
Bargeldauszahlung mit der Debitkarte
[Deutsche Bank Card Plus
5
] an fremden
Geldautomaten in EUR
3,95 EUR
6
Bargeldauszahlung mit der Debitkarte an
fremden Geldautomaten
9
in Fremdwährung
[Deutsche Bank Card
4
] 1%
10
mind. 5,99 EUR
6
2
003 00000 00 DBDE 2276 I 200515
[Deutsche Bank Card Plus
5
] 3,95 EUR
6
Bargeldauszahlung mit der Kreditkarte am
Geldautomaten
Dienst nicht verfügbar
Bargeldauszahlung mit der Kreditkarte an
fremden Geldautomaten in Fremdwährung
Dienst nicht verfügbar
Einsatz der Debitkarte zum Bezahlen in
Fremdwährung
[Deutsche Bank Card
4
] 1%
10
mind. 1,50 EUR
[Deutsche Bank Card Plus
4
] 1,00%
10
Einsatz der Kreditkarte zum Bezahlen in
Fremdwährung
Dienst nicht verfügbar
Überziehungen und damit verbundene Dienste
Eingeräumte Kontoüberziehung Dienst nicht verfügbar
Geduldete Kontoüberziehung Dienst nicht verfügbar
Informationen über zusätzliche Dienste
Informationen über die Entgelte bei Diensten, die über die im Dienstleistungspaket inbegriffene
Anzahl an Diensten hinausgehen (ohne die oben aufgeführten Entgelte)
Dienst Entgelt
Ab Ausgabe einer 2. Debitkarte
[Deutsche Bank Card
4
]
p.a. je Debitkarte
Jährliche Gesamtentgelte
10 EUR
1
SEPA-Zahlungen können nur in Euro und nur in die EWR-Staaten - Belgien, Bulgarien, Dänemark, Deutschland, Estland, Finnland,
Frankreich (einschl. Französisch-Guayana, Guadeloupe, Martinique, Mayotte, Réunion), Griechenland, Irland, Italien, Kroatien, Lettland,
Litauen, Luxemburg, Malta, Niederlande, Österreich, Polen, Portugal, Rumänien, Schweden, Slowakei, Slowenien, Spanien, Tschechische
Republik, Ungarn, Vereinigtes Königreich von Großbritannien und Nordirland sowie Zypern - und die Länder Island, Liechtenstein,
Norwegen, Andorra, Guernsey, Insel Man, Jersey, Monaco, San Marino, Schweiz, Saint-Pierre, Miquelon und Vatikanstadt beauftragt
werden.
2
Annahme und Ausgabe von losem Münzgeld bis 50 Münzen pro Tag (Details siehe Preis- und Leistungsverzeichnis Kapitel B)
3
Annahme und Ausgabe von bis zu fünf Münzrollen im Monat (Details siehe Preis- und Leistungsverzeichnis Kapitel B)
4
Ab 18 Jahre, Bonität vorausgesetzt
5
Deutsche Bank Gruppe, Commerzbank, HypoVereinsbank, Postbank und an den Kassen von vielen Shell Tankstellen bundesweit
6
Bank of America, Barclays, BNP Paribas, BGL, Scotiabank, TEB (Türkei) und Westpac
7
Hierbei handelt es sich weder um Geldautomaten des Deutsche Bank Konzerns im Ausland, noch um Geldautomaten
ausländischer Kooperationspartner
8
Jeweils berechnet vom Betrag des Kartenumsatzes
9
Seitens des Geldautomaten-Betreibers wird ggf. zusätzlich das betreiberindividuelle Entgelt direkt mit Ihnen am Geldautomaten vereinbart.
Die Höhe des Entgeltes wird Ihnen vor der Bargeldauszahlung am Geldautomaten angezeigt. Das Entgelt wird Ihrem Girokonto zusammen
mit dem Auszahlungsbetrag belastet.
3
1 / 1
003 00000 00 DBEN 1251 E BE 200515
Deposits at the Deutsche Bank AG Entschädigungseinrichtung deutscher Banken GmbH
1
are protected by:
Limit of protection: EUR 100 000 per depositor per credit institution
2
The following brands are part of your credit institution
Postbank – eine Niederlassung der Deutsche Bank AG
DSL Bank – eine Niederlassung der Deutsche Bank AG
FYRST
maxblue
If you have more deposits at the same credit institution: All your deposits at the same credit institution are ‘aggregated’ and the total is subject to the
limit of EUR 100 000
2
If you have a joint account with other person(s): The limit of EUR 100 000 applies to each depositor separately
3
Reimbursement period in case of credit institution’s failure: 7 working days
4
Currency of reimbursement: euro
Contact: Entschädigungseinrichtung deutscher Banken GmbH Postal address:
Burgstraße 28 Postfach 11 04 48
10178 Berlin 10834 Berlin
GERMANY GERMANY
Telephone: +49 (0)30 59 00 11 960
Email: info@edb-banken.de
More information: www.edb-banken.de
Acknowledgement of receipt by the depositor:
7
Branch number Customer number
Dear Customer,
With the following „Depositor Information Sheet“, we wish to inform you – pursuant to Section 23a (1) of the German Banking Act (Kreditwesengesetz, KWG) –
about the statutory Deposit Guarantee Scheme. In addition, deposits are covered by the contractual Deposit Protection Fund (Einlagensicherungsfonds)
of the Association of German Banks (Bundesverband deutscher Banken). Further details are available at www.bankenverband.de/einlagensicherung.
Additional information
1
Your deposit is covered by a statutory Deposit Guarantee Scheme and a contractual Deposit Guarantee Scheme. If insolvency of your credit institution should occur,
your deposits would in any case be repaid up to EUR 100 000.
2
Ifadepositisunavailablebecauseacreditinstitutionisunabletomeetitsnancialobligations,depositorsarerepaidbyaDepositGuaranteeScheme.Thisrepayment
covers at maximum EUR 100 000 per credit institution. This means that all deposits at the same credit institution are added up in order to determine the coverage level.
If, for instance, a depositor holds a savings account with EUR 90 000 and a current account with EUR 20 000, he or she will only be repaid EUR 100 000. This method is
also used when a credit institution operates under different brands. Deutsche Bank AG also operates under the names Postbank – eine Nieder lassung der Deutsche
Bank AG, DSL Bank – eine Niederlassung der Deutsche Bank AG, FYRST and maxblue. That means that the total of all deposits held at one or more of these brands is
covered in an amount up to EUR 100 000.
3
In case of joint accounts, the limit of EUR 100 000 applies to each depositor.
Deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personal-
ity, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100 000.
In the cases listed in Section 8 (2) to (4) of the German Deposit Guarantee Act (Einlagensicherungsgesetz), deposits are protected above EUR 100 000. More information
can be obtained from www.edb-banken.de.
4
Reimbursement
The responsible Deposit Guarantee Scheme is:
Entschädigungseinrichtung deutscher Banken GmbH
Burgstraße 28 Postal address:
10178 Berlin Postfach 11 04 48
Germany 10834 Berlin
Germany
Telephone: +49 (0)30 59 00 11 960
Email: info@edb-banken.de
www.edb-banken.de
It will repay your deposits (up to EUR 100 000) within 7 working days.
If you have not been repaid within this deadline, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a
certain time limit. More information can be obtained from www.edb-banken.de.
Other important information
In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the respon-
sible Deposit Guarantee Scheme. Your credit institution will also inform you on request whether certain products are covered or not. If deposits are covered, the credit
institutionshallalsoconrmthisonthestatementofaccount.
Depositor Information Sheet
SCHUFA Information
1. Name and contact information for the controller as well as the company data protection officer
SCHUFA Holding AG, Kormoranweg 5, 65201 Wiesbaden, Tel.: +49 (0) 6 11-92 78 0
The SCHUFA company data protection officer may be reached at the address listed above,
attn. Department of Data Protection or by email at datenschutz@schufa.de.
2. Data processing by SCHUFA
2.1 Purpose of data processing and legitimate interests pursued by SCHUFA or a third party
SCHUFA processes personal data in order to provide recipients with a legitimate interest information needed to evaluate the creditworthiness of individuals and legal entities. Scores
are calculated and provided to this end. It only provides information if a legitimate interest in such information is credibly shown in a particular case and processing such information is
permissible upon weighing all interests concerned. Without limitation, a legitimate interest is present upon entering into transactions with a financial default risk. A credit assessment
serves to protect the recipient against losses in the lending business and, at the same time, provides an opportunity to protect borrowers from unreasonable indebtedness by providing
counselling. Furthermore, data is processed for purposes of fraud prevention, integrity assessment, money laundering prevention, identity and age verification, address location, cus-
tomer service or risk management as well as tariff classification and assessing conditions. Pursuant to Art. 14 (4) GDPR, SCHUFA will provide information regarding any changes to the
purposes for which it processes data.
2.2 Legal bases for data processing
SCHUFA processes personal data on the basis of the provisions of the General Data Protection Regulation. Data is processed on the basis of consent as well as on the basis of
Art. 6 (1) (f) GDPR provided that processing is necessary for the purposes of the legitimate interests pursued by the controller or by a third party and such interests are not overridden
by the interests or fundamental rights and freedoms of the data subject which require protection of personal data. Consents may be revoked at any time by declaration to the relevant
contractual partner. This applies in like manner to consents provided prior to the effective date of the GDPR. The revocation of consent does not affect the legality of personal data
processed prior to revocation.
2.3 Data sources
SCHUFA receives its data from its contractual partners. They are institutions, finance companies and payment service providers domiciled in the European Economic Area and Switz-
erland as well as third countries as applicable (to the extent an adequacy decision from the European Commission is available) that are exposed to a financial default risk (e.g. banks,
savings banks, cooperative banks, credit card, factoring and leasing companies) as well as additional contractual partners who use SCHUFA products for the purposes described in
section 2.1, in particular (mail order) retailers, e-commerce companies, service providers, leasing, energy supply, telecommunications, insurance or collections companies. Furthermore,
SCHUFA processes information from generally accessible sources such as public registries and official publications (e.g. debtor registers, insolvency announcements).
2.4 Categories of personal information that is processed (personal data, payment history and contractual compliance)
- Personal data, e.g. surname (if applicable prior names that may be provided upon special request), given name, date of birth, place of birth, address, prior addresses
- Information regarding the initiation and execution of a transaction in accordance with the contract (e.g. giro accounts, instalment loans, credit cards, garnishment-exempt accounts,
basic accounts)
- Information regarding undisputed, past-due claims subject to repeated dunning or reduced to judgement and their resolution
- Information regarding abusive or otherwise fraudulent activities such as identity theft or credit rating fraud
- Information from public registries and official publications
- Scores
2.5 Categories of recipients of personal data
Recipients comprise contractual and business partners listed in section 2.3 domiciled in the European Economic Area and Switzerland as well as other third countries as applicable (to
the extent an adequacy decision from the European Commission is available for such countries). Additional recipients may include external contractors pursuant to Art. 28 GDPR as well
as external and internal SCHUFA recipients. SCHUFA is furthermore subject to the statutory powers of intervention held by public authorities.
2.6 Duration of data storage
SCHUFA stores information about persons only for a certain period.
Necessity is the decisive factor for defining this period. SCHUFA has established standard periods for a review of necessity for further storage and/or deletion of personal data. Based
on these rules, the general storage period for personal data is three years from the date of their transaction. The foregoing notwithstanding, examples of other deletion periods include:
- Information regarding enquiries twelve months to the date
- Information regarding trouble-free contractual data related to accounts that are documented without the associated claim (e.g. giro accounts, credit cards, telecommunications
accounts or energy accounts), information regarding contracts for which an evidential review is provided by law (e.g. accounts exempt from garnishment, basic accounts) as well as
guarantees and trading accounts that are maintained on the credit side, immediately after notification of termination
- Data from debtor registers of the central enforcement courts three years to the day, however earlier if SCHUFA is shown evidence of deletion by the central enforcement court
- Information on consumer/insolvency proceedings or residual-debt exemption proceedings three years to the day following termination of the insolvency proceedings or issuance of a
residual debt exemption. Deletion may be also be performed at an earlier date as specially warranted in specific cases.
- Information regarding the rejection of an insolvency petition due to a lack of assets, the suspension of a stay or the failure of the residual debt exemption, three years to the day
- Personal prior addresses remain stored for three years to the day; a review of the necessity of an additional three years of storage is conducted thereafter. Thereafter, they are deleted
three years to the day provided that a longer storage period is not required for identification purposes.
3. Rights of the data subject
In relation to SCHUFA, every person concerned has the right of access under Art. 15 GDPR, the right of rectification under Art. 16 GDPR, the right to erasure under Art. 17 GDPR and
the right to restrict processing under Art. 18 GDPR. SCHUFA has set up a consumer service centre for the concerns of data subjects. It may be reached in writing at SCHUFA Holding
AG, Privatkunden ServiceCenter, Postfach 10 34 41, 50474 Cologne, by telephone at +49 (0) 6 11-92 78 0 and via an online form available at www.schufa.de. Furthermore, it is
also possible to contact the supervisory authority responsible for SCHUFA, the Commissioner for Data Protection of Hesse. Consents may be revoked at any time by declaration to the
relevant contractual partner.
Pursuant to Art. 21 (1) GDPR, data processing may be objected to on grounds relating to the particular situation
of the data subject. An objection may be asserted without formal requirements and should be
addressed to SCHUFA Holding AG, Privatkunden ServiceCenter, Postfach 10 34 41, 50474 Cologne.
4. Profile creation (Scoring)
The SCHUFA credit report may be supplemented by a so-called score. Scoring involves the creation of a forecast of future events on the basis of information collected and past
experience. SCHUFA fundamentally calculates all scores on the basis of information stored by SCHUFA regarding the relevant person; this information is provided in response to a
request pursuant to Art. 15 GDPR. Furthermore, SCHUFA complies with the provisions of § 31 Federal Data Protection Act (BDSG). On the basis of entries stored in association with
an individual, the individual is assigned to a statistical group of persons who had similar entries in the past. This process is described as “logical regression” and is a well-founded
mathematical-statistical method that has proven itself over time for forecasting risk probabilities.
The following forms of data are used by SCHUFA when computing a score, whereby not every form of data is used to compute every score: General data (date of birth, gender or
number of addresses used in business dealings), prior payment problems, credit activity for the previous year, credit utilisation, length of credit history as well as address data (only if
little personal credit-related information is available). Certain information is neither stored nor used for scoring purposes, for example: Information regarding nationality or particular
categories of personal data such as ethnic origin or information about political or religious beliefs in accordance with Art. 9 GDPR. Similar, the assertion of rights pursuant to the GDPR,
i.e. access to data stored by SCHUFA under Art. 15 GDPR, has no influence on the calculation of a score.
Scores that are provided support the contractual partners in the decision-making process and are considered as part of risk management. Risk assessment and evaluation of
credit worthiness is performed solely by the direct business partner, whilst only it has a wide variety of additional information available to it – for example information from the
credit application. This even applies in the event the business partner relies solely on information and scores provided by SCHUFA. However, by itself a SCHUFA score is not a
sufficient basis to decline the conclusion of a contract.
Additional information on the scoring process or the recognition of unusual circumstances is available at www.Scoring-Wissen.de.
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