General Terms and Conditions

Our business relationships are characterized by the special features of the banking business, but also by a special relationship of trust. As a customer, you can rely on the bank to execute your orders with the diligence of a prudent businessman and to keep banking secrecy in mind at all times.

For individual transactions, special conditions may apply in addition to or in deviation from the GTCs, e.g. for payment transactions or securities transactions. These special conditions will be agreed directly with our customers when the contract is concluded or when orders are placed.

Current Note

Due to a judgment of the German Bundesgerichtshof (Federal Supreme Court) dated April 27, 2021 (XI ZR 26/20), in relation to which the grounds have not yet been published, the bank does not make use of section no. 2 subsection 1 to 3 and section no. 17 subsection 6 of its General Business Conditions vis-à-vis clients which are consumers within the meaning of section 13 of the German Civil Code (Bürgerliches Gesetzbuch). As soon as the court has published the grounds of the judgment, the Bank will analyze them and publish a new version of its General Business Conditions here.

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