For all people with adverse credit, often only the Jedermannkonto remains as a last resort. There is unfortunately not free the account without Schufa. More than 3.4 million households in Germany are affected by over-indebtedness according to current estimates. A large proportion of over-indebted households threatened foreclosures, pay & account garnishments. Back in the mid of 1990s was the problem that for many of these people no checking account to get more was when the Bank announced an existing account after a seizure. The way to a new checking account is however usually blocked for indebted people.

Because for those affected usually a vicious circle opens, in which you can receive no salary payments or pay rent without checking account and also otherwise hardly participate in the economic life, the legislator planned obliging the banks to offer a checking account on a prepaid basis for everyone. The banks came this earlier, this law by their umbrella organisations in a voluntary commitment agreed to offer a credit account in General, insofar as this is reasonable. Consumer groups complain that in practice not all banks in Germany offer a credit account for everyone. A legal obligation exists only in the new federal States without Berlin, Bavaria, North Rhine-Westphalia and Rhineland-Palatinate. If the commitment of the banks actually maintained, is often dependent on the individual officers in the branches.

Denied the account, the Ombudsman schemes of the banks customers can submit a complaint and so try to come to an account. It is important in this context that the Bank may refuse to open an account if there is an unreasonable. This is particularly the case when the customer, abuses the account for illegal purposes such as fraud or money laundering, for example. Of unreasonableness the speech is also if the customer reneges on agreements, if assumed, that he can not pay the fees due or If he harasses employees of the Bank. Also customers who want to use a checking account on a prepaid basis, so no overdraft or overdraft, should compare the offers of different banks. So, not all banks offer Maestro card to those accounts. Furthermore, significant price differences as regards the monthly cost. Also here is: A comparison of the credit accounts of from different banks always pays for itself.

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