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EuropeGermanyLicensed-entity research

DZ BANK AG Deutsche Zentral-Genossenschaftsbank

DZ BANK AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main (Frankfurt); distinct from the DZ BANK Group holding company and its specialist subsidiaries, and from local German cooperative banks

DZ BANK AG is the central institution of Germany’s Volksbanken Raiffeisenbanken cooperative financial network and provides services to companies and institutions as a corporate bank. Its website expressly states that its international business does not serve retail banking customers and that prospective corporate customers should first contact a business adviser. Public information does not confirm what deposit accounts, if any, individuals or non-residents can open directly with this entity.

Regulator
German Federal Financial Supervisory Authority (BaFin) and European Central Bank (ECB)
Check date
2026-10-26
Verify status
Some information is pending confirmation: DZ BANK’s legal entity and its official regulatory disclosures have been checked, and the entity was found on BaFin’s list of systemically important institutions; however, an individual license record in BaFin’s company database has not been obtained. Corporate banking product positioning, retail restrictions, existing-customer access information for DZ Banking, and the German AML and CRS/FATCA baseline have been checked against official pages. Eligibility for new accounts, acceptance of nonresidents/foreign companies, application documents, remote witnessing, and account fees and processing times have not been published or confirmed.

Research scope and official resources

Topic number:europe-dz-bank-ag

The input selection.json lists DZ BANK as a selected large German cooperative bank under The Banker's Top 1000 World Banks 2026 (based on Tier 1 capital); only the 2026 public institutional selection context is retained here, with no claim regarding a specific position, a real-time top 100 ranking, licensing conclusions or customer acceptance.

Bank’s official website

Personal Eligibility and Documents

Personal: DZ BANK’s website expressly states that its international business does not serve retail banking customers. The group profile also describes DZ BANK as the central institution of the cooperative network and a corporate bank, with retail products provided by the network and specialist institutions. Accordingly, this does not establish that individuals can open personal accounts directly with DZ BANK AG. For residents of Germany, non-residents of Germany, and residents of other countries, the account-opening/product pages reviewed did not publish eligibility for direct personal-account opening, account types, or nationality and residence requirements. Eligibility for products of local Volksbanken Raiffeisenbanken or DZ PRIVATBANK must not be attributed to DZ BANK AG.

Personal information publicly disclosed or identified

  • DZ BANK has not published a list of application documents for direct personal deposit accounts in the pages reviewed. Its statement that its international business does not serve retail customers does not establish personal account-opening document requirements.
  • General preparation suggestions (not DZ BANK's public policy): If enquiring with the bank about an individual case, consider preparing valid proof of identity, proof of residential address, tax residence and tax number self-certification, and an explanation of the source of funds as requested. The bank should confirm in writing the specific document format and any certification or translation requirements.

Company eligibility and documents

Companies/institutions: DZ BANK publicly describes itself as a corporate bank for German and international companies, offering corporate finance, investment management, international business, corporate finance and transaction banking services. Its account management page states that corporate clients can use professional account access solutions such as EBICS, GENO cash, Multiport and Swift for Corporates. The DZ Banking portal is for existing DZ BANK corporate clients; businesses that are not yet clients should contact their business representative. The website does not publish a complete eligibility matrix for opening an account, minimum business turnover, industry exclusions, or whether foreign-registered companies or companies that are not German tax residents can open accounts directly. It also does not confirm whether businesses with only an overseas registered address can be accepted.

Company information publicly disclosed or identified

  • The official website confirms that business customers should contact their DZ BANK business manager/adviser. It does not publish a complete list of documents applicable to all businesses opening new accounts.
  • The DZ Banking portal (access for existing customers only; not equivalent to opening an account) requires users to have completed identity verification and to hold a personal VR NetKey and PIN, with a TAN method registered. As part of the contract process, DZ BANK sends corporate customers a portal registration form; registered users must provide a copy of their identity document, and identity verification is performed by the relevant relationship manager.
  • General preparation suggestions (not DZ BANK's public policy): A company may prepare registration certificate and Articles of Association, identity and authorization documents for directors/authorized signatories, ownership structure and ultimate beneficial owner information, explanation of business and account use, expected transactions and source-of-funds evidence, company address and tax residence/tax number information. Whether these are required, document recency limits, and certification and translation methods must be confirmed by the bank on a case-by-case basis.

Address, tax, and remote / witnessed procedures

Address and tax

The DZ BANK legal entity’s registered head office address is Platz der Republik, 60325 Frankfurt am Main, Germany (postal address 60265 Frankfurt am Main); this is the bank’s own address, not an address that customers must provide. The bank has not published, in the account-opening and account-management pages reviewed, standards for applicants’ proof of address, acceptance of non-German addresses, tax-residence self-certification forms or requirements for foreign TINs. The BZSt states that Germany’s individual tax identification number (IdNo) consists of 11 digits and is valid indefinitely. This government information does not establish that DZ BANK requires every applicant to provide a German IdNo. An applicant’s applicable tax number depends on their tax residence and the account-opening entity and must be confirmed with the bank.

Remote / witnessing

For the DZ Banking portal, existing DZ BANK corporate customers’ identities are verified by the relevant relationship manager. The public pages do not explain whether a new account application can be witnessed by video, whether a visit to a German or local branch is required, whether a notary or third party can act as witness, or whether remote account opening is available worldwide. Witnessing options for personal applications have not been published. Applicants should confirm the details in writing with their specific DZ BANK relationship manager; remote or third-party witnessing must not be assumed to be supported.

Public process reference

  1. Prospective business customers should first contact a DZ BANK business adviser/regional team; the website does not provide a self-service new-account opening process applicable to all applicants.
  2. Confirm with the bank which DZ BANK AG corporate/institutional product is being applied for, whether the applicant and its tax/registration jurisdiction are accepted, and the requirements for account-opening documents, representative identification, and proof of source of funds. The bank must respond to this step in writing.
  3. The account management products page offers account access methods such as EBICS, GENO cash, Multiport and Swift for Corporates. To use the DZ Banking portal, you must already have a customer relationship with DZ BANK, submit user registration information and a copy of the registered user’s identity document in accordance with the contractual process, and then undergo user identity verification by a relationship manager. This portal process does not mean that approval to open a new deposit account has been granted.
  4. The public pages reviewed do not fully explain the account-opening approval process, signing method, initial deposit arrangements, or whether an interview/personal attendance is required. Confirm these details directly with the bank.

Compliance topics, details, and sources

German Anti-Money Laundering and Customer Identification (AML/KYC)

Germany's Anti-Money Laundering Act (GwG) identifies credit institutions as obligated entities and provides that identification includes collecting identity information and verifying identity; the Act also sets customer due diligence and risk management requirements. This is the statutory baseline applicable to German banks, not a commitment by DZ BANK regarding an applicant's specific documents or approval outcome.

Source:Administrative practice - Anti-Money Laundering Act | BaFin

Company ultimate beneficial owners and source of funds

The GwG includes in the concept of beneficial owner a natural person who ultimately owns or controls a counterparty or on whose instructions a relationship is established, and sets control criteria such as more than 25% of capital or voting rights for certain company structures. Banks may request ownership-chain, controller, and source-of-funds information based on case-specific risk. DZ BANK has not published an account-page review checklist beyond its specific thresholds; suggested documents are for general preparation only.

Source:Administrative practice - Anti-Money Laundering Act | BaFin

Germany CRS and exchange of tax residency information

Germany participates in the CRS framework for the automatic exchange of financial account information. Public BZSt CRS materials describe how financial institutions identify reportable accounts under the Common Reporting and Due Diligence Standard and how competent authorities exchange reported information. Account holders should truthfully declare all relevant tax residences and applicable tax identification numbers; these public materials do not confirm the declaration form version or reporting determination for a specific DZ BANK product.

Source:CRS XML v 3.0 User Guide | Federal Central Tax Office

Germany–United States FATCA

BZSt explains that Germany and the United States exchange financial account data under their FATCA agreement: data reported by German financial institutions is sent by BZSt to the U.S. IRS, and BZSt also receives data reported by U.S. financial institutions from the IRS. FATCA is an arrangement between the United States and Germany and does not mean that the United States has joined CRS. Whether a specific account falls within the reporting scope must be determined by DZ BANK based on the account holder and applicable rules.

Source:FATCA | Federal Central Tax Office

Applicable financial sanctions in Germany

Deutsche Bundesbank’s official financial sanctions FAQ states that it provides general information and notes that individual cases must comply with applicable sanctions and obtain any necessary authorization; financial sanctions may affect funds, transactions, or counterparties. This material does not establish DZ BANK’s internal screening procedures, the acceptability of any applicant, or that any transaction will necessarily be authorized.

Source:Frequently asked questions on financial sanctions | Deutsche Bundesbank

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide applies to applicants intending to inquire about business or institutional services from DZ BANK AG Deutsche Zentral-Genossenschaftsbank. DZ BANK publicly states that it provides commercial banking services to companies and institutions and that its international business does not serve retail banking customers. This does not establish that an individual or a particular foreign company can open a specific account with this legal entity. The applicant entity, product, place of incorporation, and cross-border eligibility must all be confirmed by the bank on a case-by-case basis.

Date information checked:2026-10-26

Information evidence package

Company legal identity, representative, and authorization chain

Who it applies to
Company or institutional applicants; not a document checklist for individual retail account opening.
Documents to Prepare
  • You may prepare a recent commercial register extract or equivalent local official registration document, along with the articles of association and incorporation documents, to explain the legal entity's name, place of registration, business status, and organizational form.
  • Prepare proof of identity, titles, and signing authorization/board resolutions for the legal representative, directors, and proposed authorized signatories. Also provide the application contact’s information.
  • If documents are not in German or English, prepare the originals and a translation that the bank can review. Confirm with the bank its requirements for notarisation, certification, originals, translation languages and document validity periods.
Description
Section 12 of Germany's GwG lists methods available for verifying a legal entity's identity, including a commercial register extract, formation documents or the obligated institution's own checks of register information; these are statutory verification methods and do not mean DZ BANK has published the above item-by-item list or that foreign-language documents will necessarily be accepted.

Source:Germany's Anti-Money Laundering Act, English text | BaFin

Ownership and control chain and ultimate beneficial owners

Who it applies to
Companies/institutions with direct or indirect shareholders, control arrangements, or complex organisational structures; the company shareholding-chain section does not apply to applications by a single natural person.
Documents to Prepare
  • It is advisable to have an ownership structure chart listing the individual ultimate owners at each level, with the ownership percentage and place of registration for each level.
  • Prepare the shareholder register, registration information for any parent entities, and shareholder agreements, voting-rights proxies, or other documents explaining actual control, if available.
  • Prepare identity information and an explanation of the basis of control for each relevant individual. If, after investigation, no natural-person beneficial owner can be identified, prepare an account of the investigation and information on senior management. Confirm the specific submission method with the bank.
Description
Under Germany's GwG, beneficial owners of unlisted legal entities generally include natural persons who directly or indirectly hold more than 25% of the capital, control more than 25% of the voting rights, or exercise control in a similar manner; this threshold must not be generalized as a global standard.

Source:Germany's Anti-Money Laundering Act, English text | BaFin

Business purpose, expected transactions, and tax residency information

Who it applies to
Companies, organizations and related controllers; recommended preparation for due diligence inquiries, not a mandatory document list published by DZ BANK.
Documents to Prepare
  • It is advisable to have a concise business description, the intended use of the account, key counterparties/countries, expected payment currencies and frequency, and typical transaction and monthly amounts ready.
  • Prepare materials that can explain the source of funds and source of wealth, such as contracts, invoices, audit or management accounts, financing documents, and asset-sale evidence. Organize relevant documents according to the flow of funds; do not assume that any single document applies to all customers.
  • Organize the tax residence, applicable tax identification number (TIN), and entity tax classification of the entity and related controllers. CRS information covers reportable fields such as the account holder's/controllers' tax residence and TIN; bank forms and classification determinations must still be verified.
Description
The GwG requires banks to obtain and assess relevant information when the purpose of a business relationship is unclear and to monitor the relationship on a risk-based basis. The materials mentioned above are only supporting documents applicants may prepare.

Source:Germany's Anti-Money Laundering Act, English text | BaFin；CRS XML 3.0 User Guide | Hosted by Germany’s Federal Central Tax Office (BZSt)

Due diligence and enhanced verification

Beneficial owners and actual control

Basis for Verification
Under Section 3 of Germany's GwG, a beneficial owner is a natural person who ultimately owns or controls, or directs transactions. For companies, this includes holding more than 25% of the capital, controlling more than 25% of the voting rights, or exercising similar control. The statutory fallback rule for senior management when no individual can be identified has specific legal prerequisites and should not be applied solely because ownership is dispersed.
Preparation recommendation
It is advisable to map ownership and the control chain at each level, explaining nominee holdings, trusts, voting arrangements and any actual control that differs from ownership percentages. Prepare supporting documents and ask the bank about its specific requirements for foreign entity documents, registration extracts and cases where no natural person can be identified.
Scope
The applicable baseline under the German Anti-Money Laundering Act; banks’ additional verification documents for individual cases and rules in foreign jurisdictions are not public. German thresholds cannot be applied to all jurisdictions.

Source:Germany's Anti-Money Laundering Act, English text | BaFin

Business substance, source of funds and transaction risk

Basis for Verification
The GwG requires identifying customers and representatives, understanding the ownership/control structure of non-natural-person customers, and obtaining information about the purpose and intended nature of a business relationship when it is not self-evident. Transaction monitoring must be consistent with the customer’s business, information on file, and, where necessary, source of wealth. Enhanced due diligence is required in high-risk cases; complex, large, or unusual transactions may be risk factors.
Preparation recommendation
Use actual contracts, invoices, orders, financing/investment documents and accounts to explain how funds were generated and how they flow. Match the expected transaction profile to the company’s scale of operations, counterparties and countries. If there will be third-party payments, intra-group transfers or unusually large incoming payments, it is advisable to explain the commercial rationale in advance and have supporting documents ready.
Scope
Statutory obligations primarily fall on the bank; preparing documents as an applicant is a general recommendation. DZ BANK’s risk scoring, industry restrictions, and amount thresholds have not been published.

Source:Germany's Anti-Money Laundering Act, English text | BaFin

PEPs and financial sanctions

Basis for Verification
The GwG requires risk-based identification of politically exposed persons (PEPs), their family members, and known close associates. PEP status and other high-risk circumstances may trigger enhanced due diligence but do not mean automatic rejection. Germany’s Federal Financial Supervisory Authority states that its sanctions FAQ is general and non-exhaustive and that an individual case may require authorization from a competent authority. This does not establish DZ BANK’s internal screening methods or the outcome of an application.
Preparation recommendation
If a PEP/related person is actually involved, it is advisable to disclose the position and tenure, nature of the relationship, and source of funds, and to prepare verifiable source-of-wealth/source-of-funds documents. If sanctioned countries, counterparties, or assets are involved, first document the transaction chain, goods/services, and payment route, and ask the bank to confirm whether it can process the transaction and whether a licence is required. Do not infer that all transactions can be carried out solely because the customer is not listed.
Scope
Enhanced due diligence for PEPs is a risk-based requirement under German anti-money laundering law; sanctions applicability depends on the specific measures, transaction, and any licenses. DZ BANK does not publicly disclose its customer-screening lists, exemptions, or risk appetite.

Source:Germany's Anti-Money Laundering Act, English text | BaFin；Financial Sanctions: Frequently Asked Questions | Deutsche Bundesbank

Cross-Border Tax Residence and Non-Resident Status

Basis for Verification
CRS standard materials cover data fields such as the tax residence jurisdictions and tax identification numbers of account holders and controlling persons. Public materials are insufficient to confirm DZ BANK’s account acceptance criteria for any particular type of foreign company, specific country of residence, entity classification, or case involving a missing tax identification number. Nor can a specific self-certification form be presumed to apply based on CRS documents.
Preparation recommendation
It is advisable to list all relevant tax residences and local tax identification numbers for the company and its controllers, as well as the entity’s classification. If there are multiple tax residences, a TIN has not yet been issued, or the entity is a passive non-financial entity, prepare a brief explanation and ask the bank which forms and supplementary documents apply. Report accurately; do not assume ineligibility solely because no German tax number is available.
Scope
Official technical materials maintained by BZSt describe standard CRS information fields; the countries served, customer eligibility, and DZ BANK’s actual reporting process must be confirmed with the bank.

Source:CRS XML 3.0 User Guide | Hosted by Germany’s Federal Central Tax Office (BZSt)

Ongoing maintenance obligations

Ongoing consistency between due diligence information and transactions

Article 10 of the GwG requires banks to monitor business relationships and transactions on an ongoing basis and update relevant information at appropriate intervals based on customer risk; the law does not set a single review cycle applicable to all customers. Customers should respond promptly to bank inquiries and contact the bank proactively if there are significant changes to ownership/control, representatives, principal business, address, or expected transactions. Proactive notification is a prudent preparation recommendation; the bank’s specific channels and deadlines have not been published.

Source:Germany's Anti-Money Laundering Act, English text | BaFin

Recordkeeping explanation for unusual or cross-border transactions

It is advisable to retain contracts, invoices, transport/service performance records, payment instructions, and source-of-funds evidence so that actual transactions can be explained in relation to the business model declared when opening the account. Unusually complex, large, or out-of-profile transactions may prompt further bank review; this does not mean a particular transaction will necessarily be frozen or rejected.

Source:Germany's Anti-Money Laundering Act, English text | BaFin；Financial Sanctions: Frequently Asked Questions | Deutsche Bundesbank

Accuracy of Tax Residency Information

The tax residence jurisdiction and TIN of an account holder/controlling person are reportable data fields under CRS. If the tax residence jurisdiction or TIN changes, it is advisable to inquire promptly and update the bank’s records. DZ BANK has not published its specific self-certification form, update deadline, reporting determinations, or review cycle; refer to the bank’s guidance and applicable tax law.

Source:CRS XML 3.0 User Guide | Hosted by Germany’s Federal Central Tax Office (BZSt)

Please confirm with the bank before booking

  1. Should this application be handled by DZ BANK AG, one of its branches, or another group legal entity? Is the specific account/service being applied for available to companies or organizations in this jurisdiction of registration and industry?
  2. Can companies incorporated overseas or without German tax residence apply? What restrictions apply to eligible countries, industries, or cross-border transactions?
  3. Please provide the complete due diligence checklist applicable to this legal entity and product, and confirm whether registry extracts, ownership chains, proof of identity, and translations must be originals, authenticated/notarised, or issued within a specified period.
  4. How can the identities of the representative and ultimate beneficial owners be verified? Is in-person processing required, or are remote verification, electronic identification, or notarized witnessing available?
  5. What supporting evidence does the bank expect regarding the anticipated source of funds for this business, third-party payments, main transaction countries, and sanctions-related transactions?
  6. What are the account-opening review time, account-opening/account fees, and minimum funding requirement, if any? What are the procedures and deadlines for notifying the bank of changes in tax residence or control?

Not confirmed by public information

  • No public account-opening document list, application form, fee schedule, minimum deposit, or approval timeline applicable to all new business customers has been found; portal/existing-customer service information cannot substitute for terms for opening a new account.
  • No public information has been found on eligibility for individuals to open accounts directly, the countries and industries in which foreign companies/non-resident businesses are accepted, remote witnessing methods, or whether an account can be opened solely for deposit purposes. Eligibility must not be inferred from international business pages.
  • Requirements for original documents, certification/notarization, translation language and validity period, detailed source-of-funds evidence, sanctions licensing assessments, and tax forms must all be confirmed with the bank based on the applicant and product.
  • The bank’s internal risk appetite, PEP/sanctions screening process, review frequency, and processing time after additional documents are submitted are not public; this guidance does not constitute pre-screening, legal advice, or a guarantee of an account-opening outcome.

Sources & Scope of Verification

  1. Customers and Services | DZ BANK

    The bank says it provides commercial banking services to companies and institutions and makes clear that international business services are not available to retail banking customers. It does not disclose an account-opening eligibility matrix or a complete application-document checklist.

  2. Germany's Anti-Money Laundering Act, English text | BaFin

    Check Articles 3, 10, 12 and 15 of the GwG concerning the definition of beneficial owners and ownership exceeding 25% or equivalent control, methods of verifying legal-entity identity, customer due diligence and ongoing monitoring, PEPs, and enhanced due diligence for high-risk cases. These are German statutory baselines, not individual account-opening commitments by DZ BANK.

  3. CRS XML 3.0 User Guide | Hosted by Germany’s Federal Central Tax Office (BZSt)

    CRS standard technical materials list information fields such as the account holder/controlling person, tax residence jurisdictions, and TIN. They describe the scope of cross-border tax information to prepare and do not establish any specific DZ BANK form, reporting determination, or customer eligibility.

  4. Financial Sanctions: Frequently Asked Questions | Deutsche Bundesbank

    Explain that the sanctions information is general and non-exhaustive, and note that individual cases may require a federal banking licence; do not make assertions about DZ BANK’s internal screening, acceptance of specific clients, or conclusions on individual transactions.

Fees and timelines

DZ BANK has not published, in the public materials reviewed, new corporate bank account opening fees, general account management fees, minimum deposits or the time required to approve a new account. For the DZ Banking portal for existing corporate customers only, the website states that portal use is free with app-based TAN. The portal authentication option using a VR NetWorld card and TAN generator costs approximately €10 per month; additional functions such as Multiport are charged separately at standard rates. These are portal fees, not bank account fees, and the page does not expressly state a separate currency conversion or account-opening fee.

Limitations and practical considerations

  • DZ BANK expressly states that its international business does not serve retail banking customers; individuals should not assume that they can open an account directly with DZ BANK AG.
  • The entity is principally positioned as the central institution of a cooperative network and as a corporate/institutional bank. Retail customer services may be provided by local cooperative banks or other specialised entities in the group; their account-opening policies should not be attributed to DZ BANK AG.
  • Public information describes areas in which companies and institutions may be served, but the countries served, industry scope, eligibility criteria and availability of deposit accounts for foreign-registered companies, non-resident businesses and cross-border applications have not been publicly confirmed.
  • There is currently no evidence that Rengangyongsheng offers a currently bookable or assisted account-opening channel with DZ BANK. This profile only compiles public information and does not mean that the bank has accepted an application or that any application will be approved.

Licensing evidence and regulatory verification

DZ BANK’s official imprint gives the legal entity as DZ BANK AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, and states that it is supervised by BaFin and the ECB. BaFin’s list of German other systemically important institutions applicable as of 1 1 2026 also lists the entity under its full name. BaFin’s company database explains that authorisations and activities can be searched by name and the “Kreditinstitute” category, but this search did not obtain an individual database result or licence number for DZ BANK. The bank has therefore been identified from official entity information, with official supervisory disclosures as corroboration; the specific current authorisation entry and scope still require verification in the individual BaFin database record. The register entry point or list of systemically important institutions is not represented as a completed licence verification on its own. No indication of a merger, name change or termination of a separate licence was found in the materials reviewed; this does not replace a real-time check of the regulatory register.

German Federal Financial Supervisory Authority (BaFin) and European Central Bank (ECB) Official registration or record

Information sources

  1. Clients & Services | DZ BANK

    DZ BANK provides commercial banking services to companies and institutions through its head office and international offices and expressly states that its international business does not serve retail banking customers; categories of corporate customers, institutional customers and products and services.

  2. Profile of the DZ BANK Group | DZ BANK

    DZ BANK AG is the central institution of the Volksbanken Raiffeisenbanken cooperative financial network and serves as a corporate bank and holding company of DZ BANK Group. The group’s specialist institutions and retail service network should be distinguished from DZ BANK AG.

  3. DZ Banking: target group and access | DZ BANK

    The DZ Banking portal is for existing DZ BANK corporate customers; prospective customers must contact their relationship manager. Portal user identification, copies of users’ identity documents and registration process; portal TAN methods and portal usage fees.

  4. Account access | DZ BANK

    DZ BANK’s specialist account management services for corporate customers and account access channels including EBICS, GENO cash, Multiport and Swift for Corporates; no eligibility criteria for new account opening or application requirements for personal retail accounts are listed.

  5. Imprint | DZ BANK

    The legal name, registered address and commercial register information of DZ BANK AG Deutsche Zentral-Genossenschaftsbank, along with regulatory disclosures from BaFin and the ECB; the website also lists the bank’s own VAT identification number, GIIN and LEI.

  6. Other systemically important institutions in Germany | BaFin

    BaFin’s official page lists capital-buffer classifications as of 2026-1-1 and gives the full name DZ BANK AG Deutsche Zentral-Genossenschaftsbank. The list concerns systemically important institutions, not individual bank license records.

  7. Company database | BaFin

    BaFin explains that its company database can be searched for companies holding a license, having made a notification, or having established a representative office, and can be filtered by company name and categories such as “Kreditinstitute.” This review did not obtain an individual search output for DZ BANK.

  8. Administrative practice - Anti-Money Laundering Act | BaFin

    Official English text of Germany's GwG: credit institutions are obligated entities; identification includes collecting and verifying identity information, and the law defines ownership/control for beneficial owners and banks' due diligence obligations.

  9. The identification number | Federal Central Tax Office

    BZSt’s explanation of the nature, 11-digit format, indefinite validity and method of obtaining Germany’s individual tax identification number (IdNo); this is not a bank policy on mandatory documents.

  10. CRS XML v 3.0 User Guide | Federal Central Tax Office

    Official technical materials hosted by BZSt explain the CRS framework for financial account reporting and the automatic exchange mechanism between competent authorities, reporting financial institutions, and account holders’ tax-residence fields. They describe the standard framework, not DZ BANK-specific implementation policies.

  11. FATCA | Federal Central Tax Office

    BZSt explains that Germany and the United States exchange financial account data, and that data reported to BZSt by German financial institutions is sent by BZSt to the U.S. IRS.

  12. Frequently asked questions on financial sanctions | Deutsche Bundesbank

    General official information from Deutsche Bundesbank on financial sanctions and the limits of the information; it supports treating applicable sanctions and case-specific authorization as German compliance matters to consider, but does not support specific claims about DZ BANK’s internal screening procedures.