(German) Payment Accounts Act
You will find the following information here:
- Pre-contractual information for charges and fees pursuant to sections 5 to 9 of the ZKG [(German) Payment Accounts Act], 47 paragraph 2 of the ZKG
- Glossary for services linked to a payment account
- Provision for comparison criteria pursuant to section 17 nos. 2 and 3 of the ZKG for operators of comparison websites
Declaration pursuant to Section 5 of Regulation (EU) 2017/1129 (the “Prospectus Regulation”).
Hoerner Bank AG has all the necessary approvals to use prospectus for all its securities offered pursuant to Section 3 para. 1 subpara. 2 (“Prospectus Regulation”). The prospectus are used in accordance with the regulations conditional to the approvals.
Sale and purchase for tax reasons: Avoid any legal trouble!
The sale and purchase of securities “to oneself”, generally accepted by the tax authorities, can in fact constitute manipulation of the market – a criminal offence. Read more… (German only)
Liquidity management tools (German Investment Code [KAGB])
Options for managing inflow and outflow through the issue and redemption of shares in investment funds (liquidity management tools).
The aim of using liquidity management tools for investment funds is to enable a better response to increased issuance or redemption requests or special market conditions. Further information on the use of liquidity management tools in accordance with the German Investment Code is available under the following download.
Account interface for third party payment service providers
Pursuant to the German Payment Services Supervision Act (ZAG) Sections 45, 48, 50, we, in our capacity as account-holding payment service provider, support a regulated access option (XS2A) to online accessible payment accounts for third-party card issuers, payment initiation service providers and account information service providers from September 14, 2019.
The implementation is effective based on Berlin Group NextGen specification, version 1.2, through our technical service provider Fiducia & GAD IT AG.
In this context we offer a test interface from March 14, 2019. Should you want to register for tests or receive further in information please use http://www.fiduciagad.de/xs2asandbox-test (German only).
You can find information regarding Berlin Group NextGen specification only on the die Berlin Group Website (www.berlin-group.org) and the NISP–Projekt [NextGenPSD2 Implementation Support Program] (http://nisp.online).
Productive account interface for third party payment service providers
The German Payment Services Supervision Act (ZAG) Sections 45, 48, 50 demands that from September 14, 2019, all account-holding payment service providers provide regulated access (XS2A) to online payment accounts in accordance with PSD2 to third party card issuers, payment initiation service providers and account information service providers.
The implementation is effective based on Berlin Group NextGen specification, through our technical service provider Fiducia & GAD IT AG. From June 14, 2019 onwards it will be possible to productively use the live interface.
If you have any banking-related questions, please contact our institute at firstname.lastname@example.org. email@example.com (German only).
Further technical details and information regarding access to the interface are available from our service provider on http://www.fiduciagad.de/xs2a-Drittanbieter-Schnittstelle (German only).