Mandatory information

(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

Securities

Declaration pursuant to Section 3 German Securities Prospectus Act (WpPG)

Hoerner Bank AG has all the necessary approvals to use prospectus for all its securities offered pursuant to Section 3 para. 3 (WpPG). The prospectus are used according to the regulations conditional to the approvals.

Sale and purchase for tax reasons: Avoid any legal trouble!

The selling and purchasing of securities, generally accepted by the tax authorities, to oneself, can present itself as a punishable manipulation of the market! Read more… (German only) Mehr dazu…

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 info@hoernerbank.de. info@hoernerbank.de (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).