Popular banks in Dortmund - user reviews

How to open current bank account in Dortmund

If you need to open a bank account you can contact Claire Stanton from Western Union or Catherine Sykes from NATIONAL-BANK that is located only 600 meters from Mercure Hotel Dortmund Centrum. In 2018 Anti-Money-Laundering (AML) Regulations affects the home and business banking sector. If you want to open the basic account in Commerzbank and get extra product like factoring in Dortmund you may affect the implications of AML Regulations in practice. All banks like Commerzbank at Münsterstraße 105, 44145 Dortmund, Germany or Western Union located at Bornstraße 99, 44145 Dortmund, Germany and other institutions are obliged to nimplement searching for Ultimate Beneficiary owner. This is why some many clients from Array have difficulties in getting credit card in Dortmund.

What kind do document do I need to open bank account in Dortmund

You can get your account number, a proof of residence address, and the necessary information.

You can also contact NATIONAL-BANK in their offices, by phone or online. There, you can get the necessary banking data, a deposit form and your personal details.The next steps are to get all necessary documents including documents from bank, including your personal ID card.

In case you are not registered you will need additional proof of residency in Germany. This could be your passport or proof of income. If you are not registered, you can use your passport, but be careful to note down the date of expiration so that you can have the bank's bank slip sent to you.

You can also have your passport photocopied for you.The next important step is the transfer of the account information from one bank to the other.

This is done through the Transfer Account Transfer Form. You should fill out the form as you usually fill it out on a form for the bank. If the bank refuses to send the information to the next bank they may require you to send it through a third party to the next bank.You need to pay the transfer tax.

It can be as little as 20 euros for an 8 euro bill. This tax includes the bank tax and other fees such as insurance, collection and tax. The amount of the tax paid is based on a percentage of the account amount. There will be an additional tax of 15-30%.

The amount is calculated on a monthly basis. You must pay this tax by bank transfer. This must be done in person at either:The bank may ask for proof of residence. T

he document usually comes at the bank. You can find this in the bank's documents. It may be called a "letter of registration", a document that gives you the address and the legal status of your account.

You can also send cash by train. For example, you can send the payment to your bank account, then get an electronic money order.

Frequently Asked Questions:

As a TARGOBANK employee in Dortmund, what are the key products and services offered by our branch that cater specifically to the needs of local small-to-medium enterprises (SMEs)?

As a TARGOBANK employee in Dortmund, I can inform you that we offer a range of products and services tailored specifically for the needs of local SMEs. Here are some key offerings:
1. Business Current Account: This account provides a secure way to manage your business finances with features like online banking, mobile banking, and bill payment options.
2. Business Loans: We provide loans for various purposes such as working capital, expansion, or purchasing equipment. Our loan products are tailored to suit the specific needs of SMEs in Dortmund.
3. Overdraft Facility: This is a flexible financing solution that allows businesses to borrow up to a pre-approved limit when their cash flow is low.
4. Business Credit Card: This card offers flexible payment terms, rewards points, and access to emergency funds. It's an excellent tool for managing business expenses and improving cash flow.
5. Invoice Financing: We help businesses get paid faster by advancing payments on outstanding invoices. This service is ideal for SMEs that have a steady stream of invoices but need immediate cash flow.
6. Online Business Banking Platform: Our digital banking platform offers an easy-to-use interface where business owners can manage their accounts, make transfers, and view account statements.
7. Payroll Services: We provide payroll solutions that help SMEs in Dortmund process employee payments accurately and efficiently.
8. Consulting Services: Our team of experts provides guidance on financial planning, tax optimization, and risk management to help SMEs grow their business.
These products and services are designed to meet the unique needs of local SMEs, enabling them to thrive in Dortmund's competitive marketplace.

Question: How does TARGOBANK support the local economy in Dortmund and what specific initiatives has it implemented for this purpose?

TARGOBANK, a German financial institution, supports the local economy in Dortmund through various initiatives that help small and medium-sized enterprises (SMEs) flourish. The bank provides loans with favorable terms to these businesses, allowing them to invest in their growth and development. Additionally, TARGOBANK offers consulting services for SMEs, which helps them make informed financial decisions and navigate the complex world of banking regulations.
In Dortmund, TARGOBANK has implemented several specific initiatives aimed at supporting the local economy. One such initiative is the "TargoMoment" program, which provides SMEs with free consultations from experienced bankers. The bank also offers a range of products and services tailored to the needs of local businesses, including loans for real estate purchases and investment in equipment.
Moreover, TARGOBANK actively engages with the local community through partnerships with organizations such as the Dortmund Chamber of Commerce and Industry. The bank supports various events and initiatives that promote entrepreneurship, innovation, and job creation in the region. For example, TARGOBANK is a sponsor of the "Dortmunder Innovationswochen" (Dortmund Innovation Weeks), an annual event that showcases cutting-edge technologies and business ideas from local startups and SMEs.
In conclusion, TARGOBANK supports the local economy in Dortmund through a combination of financial support, consulting services, and community engagement. These initiatives help small and medium-sized enterprises grow and contribute to the region's economic development.

How do we ensure customer data security and compliance with GDPR regulations while offering seamless digital banking services?

Ensuring customer data security and compliance with GDPR regulations is crucial for any digital banking service. Here are some steps you can take to achieve this:
1. Implement robust security measures: Use strong encryption techniques, multi-factor authentication, and secure communication protocols like HTTPS to protect customer data from unauthorized access.
2. Conduct regular security audits: Conduct regular security audits to identify potential vulnerabilities and address them promptly. This will help you stay ahead of any potential security threats.
3. Train employees on data privacy: Ensure that your employees are well-trained in data privacy best practices and understand the importance of protecting customer data. Provide ongoing training to keep them updated with the latest regulations and industry standards.
4. Obtain explicit consent from customers: Before collecting any personal data, obtain explicit consent from customers. This ensures that you have their approval to process their data and helps you comply with GDPR regulations.
5. Offer a clear and transparent privacy policy: Provide a clear and transparent privacy policy that outlines how you collect, use, and store customer data. Make it easy for customers to understand their rights and how they can exercise them.
6. Respond promptly to data requests: If customers request access to their personal data or want to exercise their right to erasure, respond promptly and provide the information or take appropriate action as required by GDPR regulations.
7. Appoint a Data Protection Officer (DPO): Appointing a DPO can help you ensure that your organization complies with GDPR regulations. The DPO is responsible for overseeing data protection efforts, ensuring compliance with GDPR, and acting as the primary point of contact for data protection authorities.
By following these steps, you can offer seamless digital banking services while ensuring customer data security and compliance with GDPR regulations.

What is the primary focus of PSD Bank Rhein-Ruhr eG's mission statement?

As a financial institution, PSd Bank Rhein-Ruhr eG focuses on its members and their needs. The bank's mission is to serve as a reliable partner in matters of finance and banking services. By providing tailored solutions for savings, investments, loans, and insurance, the bank aims at promoting financial stability and long-term growth among its members. It also emphasizes responsible management of resources, customer satisfaction, and innovation in its business practices. In essence, the primary focus of PSd Bank Rhein-Ruhr eG's mission statement is to provide personalized financial solutions that meet the diverse needs of its members while ensuring sustainable and responsible operations.

Wie erklärt der ApoBank das System zur Berechnung der Prämien für die Versicherungsleistungen?

Die Berechnung der Prämien für die Versicherungsleistungen basiert auf verschiedenen Faktoren, die individuell für jeden Kunden abgewogen werden. Hier sind einige der wichtigsten Faktoren, die bei der Prämieneinstellung berücksichtigt werden:

1. Alter: Je älter ein Versicherungsnehmer ist, desto höher ist die Wahrscheinlichkeit, dass er eine Krankheit erkranken oder versterben wird. Daher erhöht sich mit dem Alter die Prämie.

2. Geschlecht: Frauen haben tendenziell ein längeres Leben als Männer und sind häufiger von bestimmten Krankheiten betroffen, wie zum Beispiel Brustkrebs oder Osteoporose. Daher wird für Frauen in der Regel eine höhere Prämie berechnet.

3. Gesundheitszustand: Ein schlechteres Gesundheitsprofil führt dazu, dass die Wahrscheinlichkeit einer Krankheit oder eines Unfalls steigt und somit auch die Prämie.

4. Risikofaktoren: Rauchen, Alkoholkonsum, Übergewicht, körperliche Inaktivität und andere Lebensstilfaktoren können das Versicherungsrisiko erhöhen und führen zu einer höheren Prämie.

5. Beruf: Einige Berufe sind riskanter als andere. Arbeitnehmer, die oft in gefährlichen Situationen arbeiten oder eine hohe körperliche Anstrengung erfordern, zahlen in der Regel höhere Prémien.

6. Familie und Lebenssituation: Eine Familiengröße von mehr als zwei Personen und das Vorhandensein von Kindern können die Prämie erhöhen. Auch die Lebenssituation eines Versicherungsnehmers, zum Beispiel ob er alleine lebt oder verheiratet ist, kann Einfluss auf die Prämien haben.

7. Zusätzliche Leistungen: Die Wahl von zusätzlichen Leistungen wie beispielsweise der Berufsunfähigkeitsversicherung oder der Pflegeversicherung führt zu einer Erhöhung der Prémie.

Um die Prämien für Ihre Versicherungsleistungen genau zu berechnen, nutzen wir eine spezielle Software, die auf den oben genannten Faktoren basiert. Die Berechnung ist individuell und hängt von Ihrem Alter, Geschlecht, Gesundheitszustand, Lebenssituation und anderen Faktoren ab. Wir bieten jedoch auch verschiedene Tarifpläne an, die es den Kunden ermöglichen, sich nach ihren Bedürfnissen und finanziellen Möglichkeiten auszuwählen.

Wenn Sie weitere Informationen zur Prämienberechnung benötigen oder Fragen haben, wenden Sie bitte sich an Ihren ApoBank-Berater oder Kundenservice.

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