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.
With its judgement dated April 27, 2021 (XI ZR 26/20), the German Bundesgerichtshof (Federal Supreme Court) declared the mechanism to change the general business conditions of Postbank null and void. Whether this has any effect on the general business conditions and other special business conditions of Helaba is currently being analyzed.
As a precaution Helaba deleted section no. 2 subsection 1 to 4 and section no. 17 subsection 6 and 8 of its general business conditions. We will not apply the aforementioned clauses or clauses with a similar content vis-à-vis clients who are consumers within the meaning of section 13 of the German Civil Code (Bürgerliches Gesetzbuch) (“Consumers”). The general business conditions which are displayed here will be agreed upon with Consumers only.