The most important special conditions of the private commercial banks

The AGB contain only those provisions relevant to banking transactions as a whole. They are thus supplemented by special conditions and forms that cover the special features of individual lines of business.

“Sonderbedingungen für Wertpapiergeschäfte”[Special Conditions for Securities Dealings] regulate the purchase and sale of securities and their safekeeping.

“Sonderbedingungen für Termingeschäfte” [Special Conditions for Forward Trading] form the basis for orders for transactions on futures and options exchanges and over-the-counter forward transactions in foreign currencies and precious metals and are supplemented by the “Rahmenvereinbarung zum Abschluss von Termingeschäften” [Master Agreement for Financial Derivatives Transactions].

“Home-banking conditions”: the “Bedingungen für die konto-/depotbezogene Nutzung des Online Banking mit PIN und TAN” [Conditions for the cash account/custody account-based use of online banking with PIN and TAN] and the “Bedingungen für die konto-/depotbezogene Nutzung des Online Banking mit elektronischer Signatur” [Conditions for the cash account/custody account-based use of online banking with electronic signatures] establish the framework for electronic payment transactions.

“Bedingungen für den Überweisungsverkehr” [Conditions for credit transfers] govern domestic and cross-border transfers .

The “Bedingungen für den ec-/Maestro-Service” [Conditions for the ec/Maestro service] govern the use of debit cards.

The “Bedingungen für den Sparverkehr” [Conditions for savings business] govern the use of savings accounts.