Money Transfer within Germany

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Classic remittance slip

Before the Internet also reached the banking sector, there was only one way to make a money transfer to clients: remittance slip. They were and are still remittance slips at all banks counters, sometimes they are also sent by post along with the invoice. So if you get a preprinted transaction form do not be surprised.

Earlier, you the forms contained Bank Account Number and Bank Code, however with the new SEPA transfer, it contains IBAN number and BIC Code.

You can see the SEPA Remittance or Transfer Slip below, with translation of the terms in English.

SEPA ueberweisung Form - Translated in English
SEPA Transfer – SEPA Überweisung Form – Translated in English


Information required to be filled in the form

  • Name of the beneficiary (Begünstiger Name) (last name, first name)
  • IBAN of the beneficiary (Upto 32 digits long) – Earlier forms had Bank account number (Konto Nummer) of the beneficiary (usually 10 digits)
  • BIC Code of the beneficary bank – Earlier forms had the Bank Sort Code (Bankleitzahl) or BLZ of beneficiary (8 digits).
  • Name of beneficiary’s bank
  • Reference number of account (Kunden Referenznummer) – This is 2 lines of multipurpose field to tell the beneficiary what the payment is for (e.g. invoice number / Client Reference number).
  • Your full name / Account holders full name (last name, first name) (Kontoinhaber)
  • Your IBAN Number . Earlier forms required you to provide your account number (Kontoinhaber – Konto Nummer)

Fill up the application form and give it to the teller at the counter. The teller would then check your account for sufficient funds and then perform transfer. It might take a day or 2 transferred to take effect.

Online Bank Transfer

Online money transfers work on the same principle. The input forms of online banking portals largely the same input requirement as the classical transfer forms. The differences is that most systems automatically add the Bank details according to the beneficiary’s bank sort code. The payment will be released with a transaction number. More details about different types of online transfer will be explained in separate headings.


5 thoughts on “Money Transfer within Germany”

  1. I have a question to ask you about transferring funds (for payment of rent) from my account at the Commerzbank branch on Rothenbaumchaussee in Hamburg to the Commerzbank account of the University of Hamburg’s Gaestehaus. I return to the Uni-Hamburg Gaestehaus on May 9 and wish to send my month’s payment there in advance through online fund transfer. Is that possible. If so, please tell me the steps I need to take to accomplish that. (I can provide the Gaestehaus Commerzbank account information as well as my own account information, but I am not at present registered to bank online.)

  2. I am restricted to send money outside Germany, is it possible to make local bank transfers to other bank within Germany from my account.
    I will like to read your reply as soon as possible

  3. Please a transfer was made by my wife and on the 23rd October , it was a case of spelling a name from english to dutch E,g Princess to pizeness but every other information is correct but the recipient never got the money and the money has not been reversed .
    Please what do we do ?


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