
Auch wir wollen unseren Beitrag leisten, die Ausbreitung des Coronavirus zu verlangsamen. In unseren Beratungsstellen werden daher bis auf Weiteres keine persönlichen Termine vergeben. Selbstverständlich sind unsere Berater weiter für Sie da. Hier lesen Sie, wie Sie uns erreichen können.
Every consumer has a claim to an account used for payments with basic functions (basic account), including homeless people, asylum seekers and people who are tolerated.
The functions a basic account has to fulfil at least, are:
If the bank offers to keep giro accounts online, this has to be possible for the basic account, too. The bank can demand reasonable account management fees.
In the past many consumers did not have access to an own giro account to handle their private payments cashless. With the commencement of the so-called Zahlungskontengesetz (ZKG) back in 2016, credit institutes were obligated to conclude a contract for a basic account with every entitled consumer.
For organizations it is necessary to file an application to open a bank account. For this the form provided by law should be used, which the bank has to send the consumer free of charge, if he informs the bank that he wants to open an account. If the bank has a website, it has to make the form available there. Besides that you can find here the application provided by law for opening a bank account.