Germany
Articles tagged Germany — BaFin, Bundesbank and the supervisory, AnaCredit and DORA expectations for fintechs operating in Germany.
ZAGAnzV — notifications for German PIs and EMIs
ZAGAnzV explained: what German PIs and EMIs must notify to BaFin and the Bundesbank under § 28 ZAG — forms, the 15…
ZahlPrüfbV — the German payment institution audit report
ZahlPrüfbV explained: what the auditor reports to BaFin and the Bundesbank on German PIs and EMIs — safeguarding, AML Anlage 2, §…
§ 154 AO Kontenwahrheit — Germany’s account-truth rule
§ 154 AO Kontenwahrheit: who must identify every account signatory and beneficial owner, tax-ID collection, the BZSt query, fines and blocked balances.
Handelsregister and Unternehmensregister — German KYB
Handelsregister for KYB: court-scoped HRB numbers, AD, CD and DK extracts, § 15 HGB publicity, the shareholder list and the Transparenzregister.
MVP-Portal — registering and filing with BaFin
MVP-Portal: how a firm registers with BaFin, applies for a Meldeberechtigung per Fachverfahren, uploads the signed application, and files by web form…
Millionenkredit reporting under § 14 KWG ends in 2026
Millionenkredit reporting under § 14 KWG ends on 30 December 2026: the EUR 1 million threshold, the Evidenzzentrale feedback, and why CRR…
Kontenabrufverfahren — the § 24c KWG account file in Germany
Kontenabrufverfahren in Germany: the § 24c KWG Dateisystem, what payment and e-money institutions owe via § 27 ZAG, virtual IBANs, and who…
The German reporting calendar for a payment firm
Every recurring German return a payment or e-money institution files: the BaFin and Bundesbank split, the external-sector layer, and the portal enrolments.
AWV reporting — Germany’s Z4 and Z5 returns
AWV reporting: Germany's Z4 and Z5 returns after the January 2025 amendment — the €50,000 payment threshold, €6m stock thresholds and XML…
BaFin video identification — remote onboarding in Germany
BaFin video identification under Circular 3/2017 (GW): who may run it, the three security features, the checksum rule and five-year retention.