Opening an account

Application to open a call money account (Private Clients)

We are pleased that you would like to become a client of ProCredit Bank. Please complete sections 1 to 5 of this application form and then click on "next".

Personal details of account holder

You must be at least 18 years of age and hold a current account (Girokonto) in Germany

Mr / Ms

Other title(s)

First name

Middle name(s)

Family name

Official registered address (according to confirmation of course registration (Anmeldebestätigung))

Street / house no.

Postcode

City City

E-mail address

Tel. (business)

Tel. (private)

Tel. (mobile)

		
			Date of birth
		
			Place of birth
		
			Country of birth

Marital status

Professional group

yes no

Subject to taxation in another country?

yes no

Responsible tax office

Tax Identification Number

Location of responsible tax office

Responsible tax office

Tax Identification Number

Location of responsible tax office

Reference Account Details

IBAN Name of bank

How did you hear about us?

Church tax

We will automatically transfer your church tax directly to the Tax Office (Finanzamt). In order to process the automatic transfer of church tax, we will enquire about each client’s church tax status upon establishment of the business relationship and once a year at the Federal Central Tax Office (Bundeszentralamt für Steuern). Would you prefer your church tax to be collected by the tax office (Finanzamt) instead of by us? If so, you can object to your church tax status being passed on to us. The appropriate application form for this can be found on the website of the Federal Central Tax Office (http://www.bzst.de/en) under the heading “Church tax” (Kirchensteuer). Further information about German church tax can be found in our FAQ.

Data protection notice

The Bank shall process and use the personal data collected from you in line with the provisions of the European General Data Protection Regulation (GDPR) and the German Federal Data Protection Act to perform contractual obligations, in the balancing of interests, on the basis of your consent,on the basis of statutory requirements, or in the public interest. For further details, please see our information on data protection and the relevant contract documents.
The Bank shall process and use the personal data collected from you also to forward you bank- or product relevant information.

In addition, I also consent to receive e-mails containing product and company information from ProCredit Bank.
I can formally revoke this agreement at any time, for example, by e-mail at This email address is being protected from spambots. You need JavaScript enabled to view it.. I agree to receive confidential information concerning my account via e-mail if it is protected by a password sent to me by means other than e-mail (e.g. by SMS or telephone call to a mobile number I have provided). I can withdraw my consent at any time, e.g. by sending an e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it..

Information according to tax law for natural persons

Please note that the undersigned is legally obliged to provide the Bank with all information required for the self-disclosure completely and correctly (see section 3a (2) FKAustG, German Financial Account Information Exchange Act). In the event of a change in circumstances, the signatory is obliged to provide the Bank with correct and complete information in the form of a self-disclosure by the last day of the relevant calendar year or another suitable reporting period or 90 calendar days after the occurrence of the change in circumstances, whichever is later (see section 3a (3) FKAustG). Inaccurate or incomplete information can have legal implications in countries where a tax liability exists.

I certify that all the information provided above is complete and accurate and undertake to notify the Bank of any change of circumstances within the statutory time limits. I am aware that a violation of this legal obligation pursuant to section 28 (1), 1a FKAustG can be punished as a misdemeanour with a fine of up to EUR 10,000.

Reporting of personal data to the BZSt for account holders with reference to FATCA/ CRS

I notice that with this form (acc. To §§ 5,8 FATCA-USA-Umsetzungsverordnung) the following data will be collected, processed and, if necessary, reported to the Bundeszentralamt für Steuern (Federal Central Tax Office): Account numbers, account balances, name, address, date of birth and TIN of the controlling person. The BZSt forwards the data collected here to foreign tax authorities.

Incorporation of the Business Conditions

The business relationship shall be governed by the General Business Conditions of the Bank. In addition, specific business relations shall be governed by Special Conditions deviating from or supplementing these General Business Conditions. Such Special Conditions shall in particular apply to the use of e-banking and its inbox, the conditions for call money and term deposit accounts. The text of the individual conditions can be reviewed and downloaded at https://www.procreditbank.de/en/service/conditions-and-requirements.html.

I acknowledge and agree to the following addition to the terms and conditions:

ProCredit Bank is entitled to charge a custody fee for the safekeeping of credit balances on all accounts and is also entitled to amend the custody fee amount at its own discretion (section 315 BGB – German Civil Code). The amount of the current custody fee is published at www.procreditbank.de or can be queried by calling ProCredit Bank's customer service. The amount of the custody fee is based on the applicable penalty interest rate of the ECB for the deposit facility (currently -0.5% p.a.), which is published on the website of the Deutsche Bundesbank. In order to calculate the agreed custody fee, ProCredit Bank determines the daily balance per account and accrues the fee on a daily basis in accordance with the current conditions published on the bank's website. The charge determined in this way is debited with the statement of account at the end of the year.

In addition, information summarized in the Depositor Information Sheet on deposit protection apply. The Depositor Information Sheet can be downloaded and saved under https://www.procreditbank.de/en/service/deposit-protection.html.

Prices are defined in ProCredit Bank’s price list.

In compliance with the German Money Laundering Act (Geldwäschegesetz), I expressly confirm that I am acting in my own economic interests and not at the behest of any third party (in particular not as a trustee.