EuropeGermanyLicensed-entity research

Landesbank Baden-Württemberg (LBBW)

Landesbank Baden-Württemberg (LBBW), a German public-law institution (Anstalt des öffentlichen Rechts); this entry refers to the bank entity, not its state-government shareholders or brand. BW-Bank’s services for individuals and small businesses are provided through a non-independent institution of LBBW and are not treated as a separate banking entity.

LBBW is a German public-law banking entity headquartered in Stuttgart, and its corporate website publicly offers business accounts and cash management services. Its BW-Bank business separately offers retail current account products. The website does not confirm that non-German-resident individuals or foreign-registered companies can necessarily open accounts. The bank must confirm account acceptance and cross-border identity verification in writing on a case-by-case basis.

Regulator: European Central Bank (ECB) and German Federal Financial Supervisory Authority (BaFin); LBBW’s legal notice lists both as competent supervisory authorities.
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: LBBW/BW-Bank's official product and identity verification pages, LBBW's legal entity disclosures, the specific institution directory entry from Deutsche Bundesbank as of 2025-01-01, BaFin's specific IRB authorisation list and German AML/tax baselines have been checked. Only the search method was reviewed on BaFin's current company database page; LBBW's entity-level current banking authorisation record was not obtained. Eligibility and document lists for non-resident individuals and foreign-registered companies have also not been publicly confirmed by the bank.

Research scope and official resources

Topic number:europe-lbbw

Selected from among large German state banks in The Banker Top 1000 World Banks 2026 (Tier 1 capital basis) in selection.json; no individual ranking is confirmed or carried over. This is a public institutional selection for 2025/2026, not a current global top 100 ranking.

Bank’s official website

Personal Eligibility and Documents

The official BW-Bank website publicly offers personal Girokonto accounts and lists several account types and personal identity verification steps. It confirms only that the products are intended for individual customers. The public pages do not state whether personal applicants must be German residents or whether people living abroad may apply, and do not disclose which countries’ residential addresses, foreign identification documents, U.S. taxpayers, or nonresident applicants are accepted. Consumers residing in Germany can submit an application using the website’s process. Applicants residing abroad should first check with BW-Bank/LBBW whether applications are accepted, which documents are eligible, and what tax self-certification is required. The online application button should not be understood as a commitment to open accounts globally.

Personal information publicly disclosed or identified

The official website explicitly requires applicants to present a valid official photo ID, namely a German identity card or passport. This can be presented at a branch, or applicants may try video identity verification, depending on the product process.
The application steps listed on the official website include selecting an account, completing an online application form, and completing identity verification. These are application steps and do not mean that all applicants’ eligibility has been confirmed.
Accounts for minors: The official website requires a child's identity document or birth certificate, depending on age, as well as a photo ID for the legal representative. Applicants under 18 must have consent from a parent/legal representative.
General preparation suggestions (not a generally published account-opening policy): Also prepare current residential address and tax number information for Germany or another tax residence. Confirm with the bank in advance the required proof of address, certification format for non-German identity documents and translation requirements.

Company eligibility and documents

LBBW’s website explicitly describes business current accounts, foreign currency accounts, and liquidity deposit accounts for legal entities, and identifies business customers as a service group. Its Cora-X information says that business account opening involves checking public register information, shareholder and ownership structures, compliance information, and corporate structure. Public information does not clearly confirm that foreign-registered companies, companies without a business location in Germany, companies controlled by non-residents, or various types of trusts and funds may open accounts. It also does not publish a complete list of eligible industries, countries, or minimum business connections. Applicants should ask a bank business adviser to confirm whether the proposed account product is suitable for the entity’s place of registration and business model; it should not be assumed that all legal entities are eligible.

Company information publicly disclosed or identified

The LBBW Cora-X article explains that the bank retrieves company information from public registers and reviews shareholder lists, compliance screening results, and corporate structure. These are matters the bank reviews, not a published standard list of documents customers must submit.
LBBW says it may sometimes request information directly from a company where it cannot be obtained from public sources, such as shareholder structure information. The documents and formats to be submitted depend on the company’s legal form and the specific case.
General compliance preparation suggestion (not a blanket requirement published by LBBW): Company registration/existence documents, articles of association, details of directors or authorized representatives, ownership and control structure and ultimate beneficial owner information, an explanation of the business and expected account use, evidence of source of funds/wealth, and tax residency and tax number self-certifications. The bank’s public pages do not provide a complete list of corporate account documents; confirm the requirements in writing with a business adviser before submission.

Address, tax, and remote / witnessed procedures

Address and tax

LBBW’s public personal account opening page requires official photo ID but does not clearly list proof of address requirements or state whether a foreign address can be used. Germany’s Federal Central Tax Office states that the personal tax identification number (IdNo) has 11 digits and is permanent. It is for administrative identification of individuals and should not be mistaken for a tax number applicable to all entities. German CRS rules require new individual and entity accounts to obtain a tax residency self-certification and check its reasonableness; for reportable accounts, banks may collect tax residence, address, and relevant tax identification numbers. Applicants should provide the TIN or functionally equivalent number applicable to their actual tax residence. Individuals resident in Germany may prepare their IdNo; foreign residents and legal entities should provide the tax number applicable in their respective tax jurisdictions. Official information does not confirm that LBBW requires applicants worldwide to provide proof of residence in a particular format; this must be confirmed in writing.

Remote / witnessing

The BW-Bank personal Girokonto page lists video identification, eID services or in-branch processing; the Giro direkt page also lists video/eID/branch options. This indicates that remote processes exist, but the website does not establish that customers with foreign passports or overseas residence can use them, nor does it specify the countries covered. No public statement was found that the bank accepts account opening witnessed by a notary, lawyer or other third party. Cora-X for businesses is intended to accelerate business-information checks; it is not a publicly confirmed end-to-end remote account-opening channel. These details do not establish support for worldwide video verification or third-party witnessing.

Public process reference

Personal: The official steps are to select an account, complete an online form, and verify identity by video identification/eID or at a branch. After opening, relevant account or online banking documents are provided by email/post, as specified on the page for the selected product.
Joint personal accounts: BW-Bank publicly states that applications for joint accounts can be made at a branch or through an online consultation; all prospective account holders participate together.
Businesses: The website publishes business account products and invites businesses to contact a payments business advisor. The bank uses Cora-X to check public registry information and may require the business to provide additional materials, such as its shareholder/ownership structure. The published process does not provide a one-stop application channel for foreign companies or specify the final approval stage.
Non-residents or foreign entities: First obtain the bank's written response on place of residence/registration, identity documents, business purpose, tax self-certification, account-opening documents, remote verification, and eligibility. Then apply according to its case-specific guidance. Public information is insufficient to confirm a general cross-border account-opening process.

Compliance topics, details, and sources

Germany AML/KYC, beneficial ownership and purpose of relationship

Germany's Anti-Money Laundering Act requires regulated institutions to identify customers and agents, identify beneficial owners and understand legal entities' ownership/control structures, obtain information on the purpose and expected nature of business relationships, and continuously monitor transactions on a risk basis. LBBW's Cora-X corporate account-opening guide gives checking the shareholder and organizational structure as examples. The bank determines enhanced due diligence materials according to risk; this is not advice on how to bypass screening.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller ；BaFin — German Money Laundering Act, English text

Source of Funds, Source of Wealth, and Politically Exposed Person Risk

Germany's Anti-Money Laundering Act requires PEPs, their family members and close associates to be identified on a risk basis, and ongoing checks that transactions are consistent with the customer information, business profile and, where necessary, information held on the source of wealth. The bank's corporate account-opening article also states that banks ask about company information that cannot be verified from public sources. LBBW has not published a fixed list of source-of-funds documents for this product; the bank may request additional information in individual cases.

Source:BaFin — German Money Laundering Act, English text ；LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller

Tax residency, CRS, and German tax information exchange

Germany implements CRS and the automatic exchange of financial account information for tax purposes. The German Federal Central Tax Office states that reporting financial institutions must obtain a tax-residency self-certification for new individual and entity accounts and confirm its reasonableness, and must report the name, address, tax identification number, tax residence, and account/financial information for reportable accounts. Whether an account is reportable depends on the applicable rules and the account holder’s tax residence; this does not mean all accounts are exchanged. Germany’s individual IdNo has 11 digits; foreign customers should provide the tax identification information actually applicable to them.

Source:BZSt — CRS procedure ；Germany — Finanzkonten-Informationsaustauschgesetz (FKAustG) ；BZSt — The identification number

FATCA and U.S. tax connections

LBBW’s legal notice lists FATCA GIINs for its different business locations. Germany and the US also have a FATCA intergovernmental agreement. FATCA and CRS are different reporting frameworks; this file does not describe the US as a CRS participant. Applicants with a US tax connection should disclose their status accurately and confirm with the bank which tax self-certification and reporting information is required.

Source:LBBW — Das Geschäftskonto: Basis für Ihren Erfolg ；U.S. Treasury — Germany FATCA Agreement

Sanctions screening

LBBW’s information on business account opening states that it checks whether relevant persons associated with customers appear on sanctions lists of the EU, the US, or other countries or institutions. This is a public description of the bank’s account-opening screening and does not guarantee that any list is complete. Customer information and transactions remain subject to the bank’s compliance review.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller

Deposit protection

LBBW discloses that customer deposits held with it and its non-independent institution BW-Bank are covered by the protection scheme of the German Savings Banks Finance Group. It also states that the scheme is recognised as a statutory deposit guarantee scheme and that, if institutional protection fails to operate, the applicable statutory compensation limit is 100,000 euros per customer. The applicable deposit categories and exceptions are governed by the protection rules and the customer contract.

Source:LBBW — Kundeninformation zur Einlagensicherung

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.

LBBW is a German public-law banking entity; its BW-Bank retail brand is a non-independent institution of LBBW. LBBW publicly offers business account services and BW-Bank personal Girokonto accounts, but has not publicly confirmed general account-opening eligibility for foreign-registered companies or non-German-resident individuals. The preparation guidance below is for appointments and case-specific verification; it is not a promise of eligibility or a standard bank document list.

Date information checked:2026-10-26

Information evidence package

Corporate Identity, Authorization, Ownership, and Control Chain

Who it applies to: Companies or other entities applying for an LBBW corporate account; this is not a document checklist for a personal Girokonto.
Documents to Prepare: It is advisable to prepare a recent company registry extract, proof of registration, and articles of association, indicating the legal name, place of registration, good-standing status, and business activities.
It is advisable to prepare a shareholder register or ownership structure chart listing, at each level, direct and indirect holders, ownership/voting percentages, and any natural persons who control the company by other means.
It is advisable to prepare identity documents and proof of authorization/signing authority for directors, authorized signatories, and agents. If the structure includes a trust, foundation, or nominee arrangement, prepare the relevant formation documents and an explanation of the roles involved.
Description: LBBW says Cora-X reviews company information, shareholder lists, and corporate structure using public register data. It may request information such as shareholder structure from the company where this cannot be verified from public information. The documents listed above are preparation suggestions to facilitate verification and are not a mandatory list published on the website. Confirm with the bank whether originals or certified copies are required, which languages are accepted, and how long documents remain valid.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)；BaFin — German Money Laundering Act, English text

Business purpose, expected transactions, and supporting evidence of source of funds

Who it applies to: Business applicants; provide additional information in response to the bank’s case-specific questions. These are not documents publicly required from all customers.
Documents to Prepare: Prepare a one-page business explanation covering customer/supplier locations, main goods or services, account purpose and related-party transactions.
Prepare sample orders, contracts and invoices, along with monthly/annual income and expenditure estimates corresponding to expected payments, and explain the main currencies, amount ranges and frequent cross-border payments.
If applying to receive startup funds or large payments, we recommend preparing recent financial statements, relevant account statements, capital contribution/loan agreements, or evidence of asset disposals, and explaining the connection between the source of funds and expected transactions.
Description: The GwG requires banks to understand the purpose of a business relationship and, on a risk-based basis, continuously compare transactions with the customer’s business profile and, where necessary, source of wealth. LBBW has not published specific forms of proof or monetary thresholds. Preparation suggestions do not mean that the documents will definitely be requested.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)；BaFin — German Money Laundering Act, English text

Natural-person identity, tax residence, and self-certification

Who it applies to: Company representatives, beneficial owners and individual account applicants; whether foreign nationals/non-residents can open accounts and which identity documents are accepted has not been publicly confirmed.
Documents to Prepare: Prepare valid government-issued identity documents and any materials needed to cooperate with the bank’s identity checks for the relevant individuals, along with consistent records of their names, birth details and residential addresses.
Prepare the tax residence of the individual or entity, applicable tax number/TIN, and CRS self-certification based on the actual circumstances. Disclose each tax residence if there are multiple.
If registration documents, addresses or tax information contain different spellings, old addresses or cross-border discrepancies, it is advisable to attach a brief explanation and verifiable supporting records.
Description: Germany's CRS rules require tax self-certification for new accounts and verification that it is reasonable; this obligation is not equivalent to LBBW having published a fixed-format proof-of-address requirement. Confirm the identity verification method and any notarization/authentication and translation requirements for foreign documents before applying.

Source:LBBW — Allgemeine Geschäftsbedingungen (English version, PDF dated 08/2025)；German Federal Central Tax Office (BZSt) — CRS Verfahren

Due diligence and enhanced verification

Ultimate beneficial owners and controllers

Basis for Verification: Under Germany's GwG §3, for certain unlisted legal entities/entities, 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 comparable manner fall within the definition of beneficial owner; separate identification roles apply to foundations, trusts and similar arrangements. These percentages are not a global standard. LBBW states that it reviews shareholders and organizational structure when opening an account, and may require companies to provide information that is not available from public registers.
Preparation recommendation: Submit a tier-by-tier ownership chart, the basis for ownership/voting rights calculations, control agreements or other explanations of control, and check in advance that names, percentages, and registration information are consistent across documents. If no individual can be identified or there are uncertainties, German law provides statutory alternative identification cases for certain entities following adequate investigation; the bank will handle the specific case in accordance with the law. Do not omit any tier of the ownership structure.
Scope: German statutory requirements and LBBW’s publicly disclosed verification practices; document formats are preparation suggestions.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)；BaFin — German Money Laundering Act, English text

Genuine business, account purpose and expected flows of funds

Basis for Verification: GwG §10 requires understanding the purpose and intended nature of a business relationship and ongoing monitoring of whether transactions are consistent with information about the customer, beneficial owner, and business profile; the extent of due diligence is determined by risk. LBBW Cora-X publicly explains that faster processing through the tool does not waive checks of registration/shareholder information and that businesses must provide additional information if requested.
Preparation recommendation: It is advisable to align the business model, contracts/invoices, locations of key counterparties, expected payment volumes, and explanations for unusual fluctuations. If actual business differs from the registered business activities, explain why and provide supporting materials.
Scope: German statutory requirements and the bank’s expressly stated checks; LBBW has not publicly disclosed a uniform transaction limit or list of accepted industries.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)；BaFin — German Money Laundering Act, English text

Source of funds/wealth and enhanced due diligence

Basis for Verification: The GwG requires transaction verification against customer information and, where necessary, information about the source of wealth on a risk-based basis; enhanced due diligence is required in high-risk cases. LBBW has not published a standard source-of-funds document list, triggering amount, or fixed approval rules for this type of business account.
Preparation recommendation: Prepare traceable records for the funds to be deposited, such as business contracts and invoices, historical financial statements, shareholder contribution or shareholder loan documents, proof of asset sales, and corresponding transfer records. Explain the relationship between the provider of the funds and the applicant entity.
Scope: The statutory German risk framework; the listed materials are general preparation suggestions and should not be taken to mean the bank will necessarily request or accept them.

Source:BaFin — German Money Laundering Act, English text

PEP, sanctions screening and cross-border tax information

Basis for Verification: GwG §10 requires identification of politically exposed persons (PEPs), their family members, and close associates on a risk-sensitive basis. LBBW says it checks whether relevant persons appear on EU, U.S., or other lists. PEP status does not mean automatic rejection and is not equivalent to being sanctioned. Under Germany’s CRS rules, new individual and entity accounts must provide self-certifications, which must be checked for reasonableness; only accounts that meet reporting conditions are reported as required.
Preparation recommendation: It is advisable to truthfully explain your own, your controllers’, or other relevant persons’ public office/PEP connections, the countries involved, and periods of service; explain counterparties and cross-border flows of funds; and provide applicable tax residence and tax identification number information. Anyone with a U.S. tax connection should separately confirm the bank’s FATCA self-certification requirements.
Scope: German statutory requirements, LBBW’s public statements on list screening, and CRS rules; it should not be presumed that all accounts are reported or that any customer will necessarily be rejected.

Source:LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)；BaFin — German Money Laundering Act, English text；German Federal Central Tax Office (BZSt) — CRS Verfahren

Ongoing maintenance obligations

Update customer and authorization information promptly

LBBW’s General Terms and Conditions require customers to notify the bank without undue delay of material changes to the business relationship. Examples include changes to name, address, legal capacity, representation or signing authority, and beneficial ownership. The notification obligation remains even if the matter has been published in a public register. The version applicable and any account-specific supplementary terms should be confirmed against the signed documents.

Source:LBBW — Allgemeine Geschäftsbedingungen (English version, PDF dated 08/2025)

Cooperate with transaction monitoring and risk reviews

Germany's GwG requires banks to continuously monitor business relationships and transactions and to update relevant documents, data or information at appropriate intervals based on the applicable risk. Customers should be able to explain transactions inconsistent with the business profile they have reported and provide supporting evidence if requested by the bank; the legislation and public information do not specify a uniform review cycle applicable to all LBBW customers.

Source:BaFin — German Money Laundering Act, English text

Maintain accurate tax self-certification

Germany's CRS regime requires self-certification to be obtained for new accounts and its reasonableness to be verified. Reporting financial institutions report tax residency, tax identification numbers and account information for qualifying accounts to the BZSt as required. If tax residency or other reported information changes, contact the bank promptly to update the information; public guidance does not confirm a uniform annual resubmission frequency set by LBBW for customers.

Source:German Federal Central Tax Office (BZSt) — CRS Verfahren

Please confirm with the bank before booking

Will LBBW accept this type of company if it is registered in [country/region] and actually operates in [country/region]? Which industries, ownership structures, or transaction countries may affect acceptance?
Which LBBW business adviser or department should handle this company? Is the account provider, account contract, and service provider a legal entity of LBBW?
Please confirm, for our company's legal form, which registration, shareholder/controller, representative authorisation, business, and source-of-funds documents must be submitted, and whether each must be an original, certified copy, or an extract issued within a specified period.
Which countries’ identity documents are accepted, and what translation and notarization/certification methods are required? Can company representatives and beneficial owners be verified remotely, or must they attend in person?
Which CRS/FATCA self-certification and tax identification documents apply to a company? What changes to the information must be reported to the bank, and through which channels?
Please confirm the current fees, minimum balance (if any), estimated review time, and process for handling requests for additional documents for this product; do these vary by entity and business?

Not confirmed by public information

LBBW has not publicly confirmed general acceptance eligibility, country restrictions, or a complete industry risk policy for foreign-registered companies, entities without a business location in Germany, or non-resident individuals. These must be confirmed in writing on a case-by-case basis.
The public business account document checklist is incomplete. The Cora-X page says some information can be obtained from public sources, but does not exhaustively specify the documents customers must provide or their format, certification or translation requirements.
LBBW has not published a minimum deposit, standard approval timeline, enhanced due diligence triggers, internal risk limits, or review frequency applicable to all businesses. The acceleration examples in the 2022 Cora-X article must not be treated as a current service commitment.
The above preparation guidance is not advice on account eligibility, bank acceptance, legal or tax matters, and does not guarantee an account-opening outcome.

Sources & Scope of Verification

LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller (2022 year 7 month)
LBBW says Cora-X uses public register data to check company information, shareholder lists, compliance screening, and corporate structure. It may ask the company for information such as shareholder structure that is unavailable from public sources, and describes sanctions-list screening of relevant persons. The page is an article from 2022 and does not establish current processing times or a standard list of mandatory documents.
LBBW — Allgemeine Geschäftsbedingungen (English version, PDF dated 08/2025)
The general business terms, under “Notification of material information and changes,” require notification without undue delay of changes to material facts, listing address, name, authorized representatives/signing authority, and beneficial owners, among others. They also state that the notification obligation remains even if the information has already been publicly registered. The specific executed terms and product conditions must still be checked.
BaFin — German Money Laundering Act, English text
GwG §3 defines beneficial owners and, for certain entities, a threshold of more than 25% of capital/voting rights or comparable control. §10 addresses identifying customers, representatives, and beneficial owners; understanding the ownership and control structure of non-natural-person customers; the purpose of business relationships; PEP identification; ongoing transaction monitoring; and risk-based updating of information. This threshold applies only within the scope of the statutory provisions and should not be extended to all jurisdictions or entity types.
German Federal Central Tax Office (BZSt) — CRS Verfahren
BZSt states that new individual and entity accounts must obtain a tax-residency self-certification and check its reasonableness; accounts that meet the relevant conditions are subject to collection and reporting of the relevant tax and account information under FkAustG. The website also explains the statutory limits on how to handle missing or unverifiable self-certifications; it does not say that all accounts are reported.

Fees and timelines

Personal retail product pricing (official website pages checked as of 2026-10-26): BW-Bank Giro direkt monthly account management fee: 4.90 euros; Giro extend classic monthly account management fee: 10.90 euros; fees for other accounts vary by product. The official personal banking overview says the application process takes about 10 minutes; this refers to completing the application and is not a commitment on the time required for approval or account opening. The Giro direkt page says online banking details are sent by post within a few days. LBBW’s corporate account page does not publish a standard account opening fee, minimum deposit, balance threshold or approval timeframe applicable to all businesses. A Cora-X article in 2022 described faster review times for some business applications; this should not be taken as a current SLA or one applicable to a specific customer. Fees, account availability and account opening times must all be verified for the relevant product and individual case.

Limitations and practical considerations

The retail Girokonto is publicly promoted through LBBW's BW-Bank business. BW-Bank is a non-independent institution of LBBW; this does not establish that an account is opened by a separate, independently licensed legal entity.
No explicit public confirmation has been found from LBBW that non-resident individuals, foreign addresses, foreign identity documents, or foreign-incorporated companies are generally eligible to apply; the bank must confirm acceptance scope, country restrictions, and document requirements in writing.
LBBW business accounts are intended for corporate cash management and payment services. The website does not state that these wholesale or corporate products are available to any individual or all foreign companies.
An online video/eID process does not mean it is available worldwide, and no public confirmation was found for a third-party witnessing option.
In individual cases, identity verification, beneficial ownership, business activities, tax self-certification, sanctions screening or the bank’s risk decision may result in requests for additional documents, delays or refusal to process the application. This file must not be treated as operational advice for evading scrutiny.
Sources are public official websites and regulatory/tax authority materials. LBBW/BW-Bank products are not currently available as an account-opening channel for appointments through Rengangyongsheng, and do not indicate that a referral, agency, or application relationship has been established with the institution.

Licensing evidence and regulatory verification

A specific entity has been found: the Bundesbank’s “Directory of Credit Institutions and their Associations” (as of 2025-01-01) lists the legal name “Landesbank Baden-Württemberg,” address Stuttgart. This is a specific institution-directory record, but its date predates this review and cannot by itself establish the current authorization status as of 2026-10-26. BaFin’s current institution-search page states that authorized activities can be searched by company name, but no entity-level result for LBBW was obtained from the database in this review. The BaFin 2026-09-25 IRB directory lists LBBW and notes authorization to use the IRB method on a consolidated basis; this establishes only authorization for a specific prudential calculation method and cannot substitute for a bank-license record. Current authorization status therefore still needs to be rechecked against an entity-level BaFin/ECB directory; no license number is invented.

European Central Bank (ECB) and German Federal Financial Supervisory Authority (BaFin); LBBW’s legal notice lists both as competent supervisory authorities. Official registration or record

Information sources

LBBW — Legal Notice / Imprint
LBBW’s legal name and public-law institutional form, head office address, competent supervisory authorities ECB and BaFin, LEI, and FATCA GIINs for its business locations; the page does not provide the result of a BaFin bank authorisation search.
LBBW — Das Geschäftskonto: Basis für Ihren Erfolg
LBBW business current accounts offer domestic and international payments, foreign currency accounts, and online banking; its liquidity accounts are available only to legal entities. The page invites customers to contact an adviser but does not publish complete eligibility requirements, application documents, or general fees.
LBBW — Geschäftskonto eröffnen: Mit Cora-X geht es noch schneller
For business account opening, LBBW checks company registration information, shareholder and ownership structures, corporate structure, and compliance information. It may ask the company for information that is not available from public sources. The article states that EU, US, and other sanctions lists are screened. The page is an article from 2022; the review speed described is not a current SLA.
BaFin — Database of companies
BaFin explains that its company database can be searched by company name for authorization, notification or representative-office status and authorized activities. This review examined only the search guidance page and did not obtain an entity-level search result for LBBW; it therefore cannot claim that the current license has been verified.
Deutsche Bundesbank — Verzeichnis der Kreditinstitute und ihrer Verbände 2025
The official 2025 credit institution directory of Deutsche Bundesbank lists “Landesbank Baden-Württemberg” by name at 70173 Stuttgart; this is a specific directory entry as of 2025-01-01, not a verification of current supervisory authorization as of 2026-10-26.
BaFin — Overview of German institutions authorised to use the IRB approach
The BaFin page is dated 2026-09-25 and lists Landesbank Baden-Württemberg with authorization at the consolidated basis. This list verifies only authorization to use the IRB approach; it does not establish a general banking license or retail account acceptance scope.
BaFin — German Money Laundering Act, English text
Customer due diligence provisions of the German Anti-Money Laundering Act: identification of customers/representatives; beneficial owners and control structures of legal entities; purpose of the business relationship; PEP risks; ongoing monitoring; and, where necessary, verification of the source of wealth.
BZSt — CRS procedure
The German Federal Central Tax Office states that, under CRS, German reporting financial institutions obtain and verify tax residency self-certifications for new individual and entity accounts and report account holders’ names, addresses, tax identification numbers, tax residences, and relevant account information.
Germany — Finanzkonten-Informationsaustauschgesetz (FKAustG)
Germany’s official legislation portal sets out the scope of the Act on the Automatic Exchange of Information on Financial Accounts for Tax Matters, financial institutions’ due diligence and reporting obligations, and its application to CRS and the automatic exchange relationships specified therein.
BZSt — The identification number
The German Federal Central Tax Office states that the personal tax identification number has 11 digits and is permanent, and explains how to apply for it or request notification again; this does not represent the rules for corporate tax identification numbers.
U.S. Treasury — Germany FATCA Agreement
Original text of the U.S. Department of the Treasury’s FATCA agreement with the German government, as the basis for distinguishing Germany’s exchange of FATCA account information with the United States from CRS; this does not mean that the United States participates in CRS.
LBBW — Kundeninformation zur Einlagensicherung
LBBW states that customer deposits held with it and its non-independent institution BW-Bank are included in the Savings Banks Finance Group protection system, and describes a compensation limit of up to 100,000 euros per customer in cases where the statutory deposit guarantee applies.
LBBW — Unsere Standorte
LBBW distinguishes its corporate customer services from BW-Bank’s physical branches and states that BW-Bank serves individuals, the self-employed, and small businesses. This supports the description of a retail service brand and its organisational affiliation, but is not evidence of a separate banking licence.
BW-Bank — Girokonto comparison and FAQ
BW-Bank personal current account products, online forms and identity-verification processes, official ID/passport requirements, guidance for children and joint accounts, and a comparison of common fees; the pages do not specify eligibility for non-resident applicants.
BW-Bank — Giro direkt
Giro direkt personal product, video/eID/branch identity verification, application steps, monthly fee of 4.90 euros, and information about sending online banking credentials by post; acceptance of foreign identification or worldwide remote account opening is not confirmed.
BW-Bank — Giro extend classic
Giro extend classic personal product’s online form, video/eID/branch identity verification process, and monthly fee of 10.90 euros as listed on the page; eligibility for nonresident applicants is not specified.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: LBBW/BW-Bank's official product and identity verification pages, LBBW's legal entity disclosures, the specific institution directory entry from Deutsche Bundesbank as of 2025-01-01, BaFin's specific IRB authorisation list and German AML/tax baselines have been checked. Only the search method was reviewed on BaFin's current company database page; LBBW's entity-level current banking authorisation record was not obtained. Eligibility and document lists for non-resident individuals and foreign-registered companies have also not been publicly confirmed by the bank.
Author: Drew

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