When opening a basic account, you indicate whether you have an account with another bank. How can the bank verify that this information is correct?
You can lie that you don't have one, even though you have an account somewhere else
You can lie that you don't have one, even though you have an account somewhere else
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Don’t worry, banks are well connected and smarter than you think. They will notice that 100% and scams will result in the termination of the account connection. But calm down
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The bank compulsoryly collects a Schufa information from new customers, in which it contains the information “Girokonto otherwise”.
Sparkasse told me they didn’t work at the Schufa.
Ne, who work with and for the savings bank; only the obligatory request is sent to the Schufa, which is connected to all banks and savings banks.
With the account opening antgrag, you at the same time obtain the permission for the Schufa request and your own notification of the account opening to the Schufa.
Without this consent, keie account opening takes place.
No. There are definitely savings banks that do not work with the Schufa. For example, the Saale Sparkasse. An obligation to report an account opening of the Schufa does not exist. Banks such as bunq, Tomorrow, Revolut, Klarna do not report account openings to the Schufa.
The only obligation is to report when a P account is set up.
Personally look back at 26 years of austerity and draw my experience in practice.
Incidentally, their credit accounts are not subject to registration with the Schufa; this call will then maximise your tax office with significant suspicion without your consent.
There is no such thing in the German banking and savings banks world.
The Spakasse told me they have no more contract with the Schufa.
There is no!
The Spakasse is contractually obliged to report this account opening data to the Schufa and, in return, receives information about the new account holder at the same time.
You don’t get it unless the information is bad, then it looks as bad for your new account.
They told me they didn’t report anything to Schufa.
Just receive information via chat
After the Schufa show, the bank knows. Each current account is reported to the Schufa.
When opening an account, you will sign the permission for the Schufa query.
Do NOT sign, the conversation is over.
You have an account with a bank that doesn’t work with Schufa. So the bank doesn’t report it.
What bank is working in Germany without Schufa?
Nonsense. A fraud presupposes an asset damage. This is not given in the event of an incorrect entry to other existing accounts, within an account opening.
There are some.
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What do you ask if you think you know better?
If you open an account under deception of false facts, this is already a fraud attempt.
Open account without SCHUFA