Good to know

Safe and sound! Your current Postbank

account has a new home
Everything you need to know about the relocation of your Postbank current account (Girokonto)
Welcome! Your Postbank current account has now moved to our new IT platform. We informed you of this
move by letter. This document provides answers to any questions you may still have about your Postbank
current account. We’re sure you’ll soon be comfortable navigating your account again. Thank you for join-
ing us in taking this important step for the future.

Most important for you: You can continue to use your Postbank current account as
usual
Your IBAN and BIC have not changed.
Your standing orders and direct debits remain in place.
Your Postbank Card (debit card) and PIN are still valid.
Your online banking access has not changed. Your Postbank ID and password are still valid.

We answer your questions

The following pages provide answers you may need Scan the QR code for
more information
to all your questions about your Postbank current
account. Do you have any other questions?
At www.postbank.de/gutzuwissen you will also
find many answers to current questions.
Simply scan the QR code.
QR-Code scannen
und mehr erfahren

• Here you will find videos explaining things like:

– How to make a bank transfer via the new
online banking platform
– How to receive the new access data for tele-
phone banking
Postbank – a subsidiary of Deutsche Bank AG

You will also find instructions on many and various

topics. A few clicks are usually all you need to clarify
any remaining questions.
As of July 2023
Your Postbank Girokonto at a glance
Until 30 June 2023 From 1 July 2023
Contract number
Number for payments IBAN

Number for your Your account number Your sort code/account number
correspondence with us

Overdraft (approved)
Overdraft possible Agreed amount
Reference interest rate 3-month EURIBOR ECB base rate
Exemption allowances/thres-
holds By agreement –

Statements
Availability of 2nd/5th/8th of the month Month end
online statement
Delivery Mailbox Either in your mailbox under “Nachrichten” (digital
mailbox in eSafe) or
Statement printer at branch from statement printer at branch

Transfers and standing orders

Scheduled transfer Up to 6 months in advance Up to 90 days in advance
(paper-based up to 60 days in advance)
Standing orders – Monthly
execution intervals
Daily, weekly or at other intervals of several The intervals listed opposite can no longer be newly
weeks requested.
We will continue to execute standing orders placed.

Standing orders – Execution date is not a business day? If so, Execution date is not a business day?
execution days you can set it to reflect the preceding or sub- If so, we shall always execute the transaction on the
sequent business day very next business day.

Transfer forms Since 1 January 2023:

Free of charge: neutral forms available at the branch. Fee: Personalised forms can be ordered
online.

Girobrief post-paid envelopes Since 1 January 2023:

Available at the branch. Holders of a Postbank Giro extra plus account receive a voucher for
collection of Girobrief post-paid envelopes at the branch each year in the spring.

Acceptance deadline for 14:00 12:00

cashless transfer orders abroad
(Non-SEPA) or in foreign
currency
International payment trans- AUD, BGN, CAD, CHF, CNH, CZK, DKK, GBP, In addition, AED, BHD, ILS, JOD, KES, KWD, MXN,
actions – possible currencies HKD, HUF, INR, JPY, MAD, NOK, NZD, PLN, OMR, QAR, RSD, SAR, TRY; see currency conversion
RON, (RUB), SEK, SGD, THB, TND, USD, ZAR fees1

1
 Currency conversion fee; surcharge/discount on reference exchange rate: AED 0.0850, BHD 0.0090, ILS 0.0850, JOD 0.0160, KES 2.5000, KWD 0.0070,
MXN 0.3000, OMR 0.0090, QAR 0.0850, RSD 2.5000, SAR 0.0850, TRY 0.1000
 Until 30 June 2023 From 1 July 2023
Online banking and app
Access data Postbank ID and BestSign

Transaction limit Limit per order The new daily transaction limit is
pre-set to €2,500. You can change this amount at
any time via online banking.
Receiving statements Mailbox Mailbox under “Nachrichten” (digital mailbox in
eSafe)
Access to statements 12 months Permanent, as long as the mailbox exists

Producing list of transactions/ Via “PDF herunterladen” (download) Using your browser’s print function
details as a PDF function
Posting confirmation per At any time Immediately after approval only
transaction
“Kontosignale” (account If set up –
signal) function
App Postbank Finanzassistent Postbank app: From 1 July 2023, you need the new
Postbank app. Important: We recommend you
keep your existing Finanzassistent app until you
have activated BestSign in the new Postbank app.
You will find details in the Finanzassistent app and
at www.postbank.de/app-umzug-juli.
Access to transaction data in All transactions in past years Transactions made in the 13 months prior to
the app switching to the new app; new transactions will be
included automatically.

Telephone banking
Access data Per account Same access data for all accounts

Account number Telephone banking ID

Telephone PIN 6-digit telephone banking PIN

Bank transfers – €10,000 via speech computer €1,000 via speech computer
daily transaction limit or bank employee €49,999.99 via bank employee
Standing orders Delete free of charge:
via speech computer and bank employee
Create, change: via speech computer –
Create, change: Now free of charge
via bank employee for a fee of EUR 1.50
per order

Postbank Card (debit card)

Transaction limit Separate limits for cash point withdrawals Combined weekly limit of €3,000 for cash point
and store payments withdrawals and store payments; daily limit of
€1,000 euros. The limit can be increased if required.

Additional cards Cards for account holder(s) are free of Two cards are provided free of charge for each
charge. account. Fee for each further card: €6.
Fee for additional cards: €6 Fee deducted Fee deducted during the course of the calendar
during the course of the year year; pro rata fee will be deducted in the year of
relocation.
 Your online banking

New features of online banking

Not a lot has really changed. You still log in as before using the same access data. Of course, the interface
now looks a bit different and some operations have changed but we’re sure you’ll soon be able to navigate
our online banking system.

The most important thing:

• From now on, all your messages and bank statements are in your mailbox under “Nachrichten“.
• The “tägliche Verfügungsrahmen“ (daily transaction limit) is new. This restricts transactions to a
maximum of €2,500 per day. You can amend the transaction limit online at any time – even while
you are making a bank transfer.

Also good to know

Your standing order can’t be amended?

All your standing orders have moved to the new online banking system, where they continue to be
executed, as in the past. You wish to make an adjustment to a standing order? If so, you can amend it as
usual in most cases. That won’t work? Then simply delete and create a new order.

You can amend all standing orders

• that are executed monthly, every two months, quarterly, half-yearly or annually and
• where the option for execution before or after the weekend/public holiday has not been activated.

You can delete the following standard orders and create new ones that reflect the
requested data
• Your standing order is executed at other intervals, such as weekly, or
• you have activated the option for execution before or after the weekend/public holiday.

Important: As long as you do not modify your standing orders, they will continue to be executed at the
appointed dates.

Your Komfort login in the new online banking system: Check your account balance quickly
without BestSign
The new Komfort login enables you to access the new online banking system using your Postbank ID and
password alone. You wish to use additional functions, such as to transfer cash or modifying your personal
data? If so, you will be asked for your second factor directly via BestSign. Your benefit: The Komfort login
is ideal to quickly check your account balance or important incoming payments. If you wish to use your
Postbank or BestSign app, you will in addition need clearance via your security process.

Further information and answers, also to current questions, are available at

www.postbank.de/online-banking-umzug-juli
 The new Postbank app

Activating the new Postbank app

The most important thing: Do not remove the existing Finanzassistent app. Download the new
Postbank app from your Play Store or App Store. Launch the app and then activate the BestSign process
via the Finanzassistent app. You can now remove the Finanzassistent app. In future, you can use the
Postbank app in the same way as the old app.

Further information and answers, also to current questions, are available at

www.postbank.de/app-umzug-juli

Your first account statement

Your first statement in July 2023
• Following the move to the new IT platform, your first statement will show €0.00 as the initial
balance. This is for purely technical reasons.
• The first transaction will be the transfer of your existing balance. This ensures that you start with the
same amount in your account. You will not be charged for this.

This is what your first statement will look like after the move to the new IT platform:

Kontoauszug vom TT.MM.JJJJ bis TT.MM.JJJJ

Kontoinhaber: Max Mustermann

Auszug Seite von IBAN Alter Saldo per TT.MM.JJ

1 1 1 DE12 3456 7890 1234 5678 90 EUR + 0,00

Buchung Valuta Vorgang Soll Haben

TT.MM. TT.MM. Verwendungszweck/Kundenreferenz + 3.694,11

Die Buchung hat technische Gründe: Wir stellen das
IT-System für alle Konten um. Ihr Kontostand vor und
nach den Buchungen bleibt gleich.
DE12 3456 7890 1234 5678 90

Filialnummer Kontonummer
123 1234567 89 Neuer Saldo
EUR + 3.694,11
BIC (SWIFT)
PBNKDEFFXXX

Last but not least: We will issue one additional statement following the move to the new system detail-
ing the transactions in your account prior to the move. If you normally print your bank statements at the
branch, we will send you this statement by post. Otherwise you will receive this statement in the usual
way.
 Your telephone banking
New features of telephone banking
A new telephone banking system was launched on 1 July 2023. The new access data for this system are
valid for all your accounts. New terms and conditions also apply to telephone banking. These now apply
to all electronic access points to the Bank. In order to agree these changes, we have terminated your
existing telephone banking agreement. However, you are welcome to continue using telephone banking.
In the letter we sent you about your current account (Girokonto), you may have seen our offer to continue
our telephone banking agreement with you at the amended terms and conditions. In order to accept this
offer, simply request your new access data or use them if already in hand.

Requesting your access data for the new telephone banking system
There are three ways to request your new access data for telephone banking.
• Online: You can generate your access data yourself. Log in, click on your name and then click on
“Telefon-Banking“. You may still need to activate telephone banking. Then simply follow the in-
structions.
• At your branch: You can also request your access data for telephone banking at your branch.
Your access data will be sent to you by post within a few days.
• By phone: Call + 49 (0)228 5500 5502. Your access data will be sent to you by post within a few
days.

Logging in to the new telephone Further information and answers, also

banking system to current questions, are available at
The number is still the same: www.postbank.de/telefon-
Call + 49 (0)228 5500 5500. Then enter your banking-umzug-juli
telephone banking ID and PIN.

Your overdraft facility2

Why have we terminated your Postbank Dispositionskredit2?
First off, you have no need to worry. You can still overdraw your account up to the same amount as before.
Due to the move to the new IT platform on 1 July 2023, we unfortunately are unable to continue providing
Postbank Dispositionskredit2 any longer. Accordingly, we have no option but to terminate your previous
Postbank Dispositionskredit2 for legal reasons. Effective 1 July 2023, we are offering you a new Postbank
Dispositionskredit2 at new terms and conditions which are detailed in the letter you received about your
current account.

This remains the same

• You can still overdraw your account up to the same amount as before.

This has changed

• No exemption allowances and thresholds: Any exemption allowances and thresholds agreed with
you in the past will no longer apply. This means that you will incur interest from the first euro you
overdraw.
• In the future, the ECB interest rate will be the new reference rate for overdraft interest.

2
Approved overdraft
How to accept our offer of the new Postbank Dispositionskredit2.
Your account balance was positive on 30 June 2023? Then you can accept our offer by:
• using the Postbank Dispositionskredit2 if you need to as of 1 July 2023, or
• expressly agreeing to the new terms and conditions, e.g. online at
www.postbank.de/annahme-dispo or at the branch.

If you were using your Postbank Dispositionskredit2 on 30 June 2023:

You can accept our offer by:
• using more of your Postbank Dispositionskredit2 by 15 September 2023 than you had on 30 June 2023,
either by making a withdrawal, direct debit or transfer, or by
• expressly agreeing to the new terms and conditions, e.g. online at
www.postbank.de/annahme-dispo or at the branch.

Further information and answers, also to current questions, are available at

www.postbank.de/dispo-umzug-juli

Consent to your new Dispositionskredit2 overdraft facility online at

www.postbank.de/annahme-dispo

In cases of discrepancies between the German and the English versions,

the German version shall prevail. You will find the German version here:
https://www.postbank.de/downloads/gut-zu-wissen-giro.html

2
Approved overdraft