General business conditions

On this page you will find the contractual terms of Commerzbank Aktiengesellschaft and its foreign subsidiaries.

Terms and conditions of Commerzbank AG

Terms and conditions of the international branches and the affiliated companies of Commerzbank

Other terms and conditions

Special contractual terms

Commerzbank Cash Logistics (SafeBag)
Electronic Banking Soft- and Hardware
Commerzbank Account Information
Commerzbank Corporate Banking Portal
Terms and Conditions for Cards


Live Confirm, Live Trader, Online Banking Securities Transactions

Commerzbank Payments Services


SWIFT

Data transmission

Data transmission between Commerzbank AG, its international branches and group companies

Commerzbank AG, its international branches and group companies closely cooperate in order to provide customers with comprehensive advice and services.

In this context Commerzbank, its international branches and group companies transmit data concerning their customers to each other and/or make data available for electronic download by each other so that the data can be processed and used locally for the purposes of taking up and providing advice and services to these customers. This happens under the premise, that the customer has provided his consent and released the Bank from its duty to perserve banking secrecy.

Commerzbank AG's international branches and group companies concerned by the data transmission are:

International branches and subsidiaries (Banking)

Belgium Commerzbank AG
Brussels Branch

Boulevard Louis Schmidt 29
1040 Brussel
Brazil Commerzbank Brasil S.A.
Banco Múltiplo

Avenida Dr. Chucr Zaidan, 1240
CEP 04711 – 130 São Paulo – SP
Brazil
China Commerzbank AG
Beijing Branch

Suite 2502 East Tower, Twin Towers
B-12 Jianguomenwai Dajie
Chaoyang District
Beijing 100022

Commerzbank AG
Shanghai Branch

37F, Shanghai World Financial Center
100 Century Avenue
Shanghai 200120

Commerzbank AG
Tianjin Branch

34F, The Exchange Tower 2
189 Nanjing Road
Tianjin 300051
Costa Rica Commerz Trade Services S.A.
Boulevard Multiplaza
San Rafael de Escazu,
Costa Rica
France Commerzbank AG
Paris Branch

23, rue de la Paix
75002 Paris
Great Britain Commerzbank AG
London Branch

30 Gresham Street
London EC2P 2XY
Hong Kong Commerzbank AG
Hong Kong Branch

15th Floor, Lee Garden One,
33 Hysan Avenue, Causeway Bay,
Hong Kong
Italy Commerzbank AG
Milan Branch

Corso Europa 2
20122 Milano
Japan Commerzbank AG
Tokyo Branch

Atago Green Hills MORI Tower 40F
2-5-1 Atago, Minato-Ku
Tokyo 105-6240
Luxembourg Commerzbank AG
Luxembourg Branch

25, rue Edward Steichen
L-2540 Luxemburg

Commerzbank International S.A.
25, rue Edward Steichen
L-2540 Luxemburg
Malaysia Commerz Trade Services Sdn. Bhd.
Level 13, Tower 3, Avenue 7
59200 Kuala Lumpur
Malaysia
Netherlands Commerzbank AG
Amsterdam Branch

Strawinskylaan 2501
1077 ZZ Amsterdam
Austria Commerzbank AG
Vienna Branch

Hietzinger Kai 101-105
1130 Vienna
Poland mBank SA
ul. Senatorska 18, 00-950
00-950 Warszawa

CERI International Sp. z o.o.
ul. Traktorowa 148/158
91-204 Łódź
Poland
Russia Commerzbank (Eurasija) SAO
Moscow Branch

Kadashevskaya naberezhnaya, 14/2
119017 Moscow

Commerzbank (Eurasija) SAO
St Petersburg Branch

3rd Line of Vasilievsky Island 62 Lit. A
199178 St Petersburg
Switzerland Commerzbank AG
Zurich Branch

Utoquai 55
8034 Zurich
Singapore Commerzbank AG
Singapore Branch

71 Robinson Road, #12-01
Singapore 068895
Slovakia Commerzbank AG
Bratislava Branch

Rajská 15/A
81108 Bratislava
Spain Commerzbank AG
Madrid Branch

Paseo de la Casrellana 110
28046 Madrid

Commerzbank AG
Barcelona Branch

Consell de Cent 357-359
08007 Barcelona
Czech Republic Commerzbank AG
pobočka Praha

Jugoslávská 1
12021 Praha
Hungary Commerzbank Zrt.
Széchenyi rakpart 8
1054 Budapest
United States of America Commerzbank AG
New York Branch

225 Liberty Street
New York, NY 10281-1050

Other subsidiaries

Factoring CommerzFactoring GmbH
Große Bleiche 15
55116 Mainz
Real Estate, Assets, Leasing Commerz Real AG
Helfmann-Park 5
65760 Eschborn

Deposit Protection

In 1998, the institution “Entschädigungseinrichtung deutscher Banken GmbH” was set up as the legal compensation scheme for private banks and home loan and savings associations domiciled in Germany. The protection ceiling for deposits of this scheme, in which Commerzbank Aktiengesellschaft also participates, currently amounts to EUR 100,000 per depositor, regardless of the currency in which the deposits are denominated. If the deposits are related to certain life events, such as the sale of a private residential property, a marriage or a severance package for employees, the protection ceiling for each depositor is EUR 500.000 for at least 6 months after the deposit.

In addition, Commerzbank Aktiengesellschaft is a member of the Deposit Protection Fund of “Bundesverband deutscher Banken e.V.” (Federal Association of German Banks) in Berlin, a private-bank scheme under private law which is not subject to state supervision. The Deposit Protection Fund functions as a follow-up cover scheme for the statutory compensation scheme up to the protection ceiling regulated in its by-laws.

Both the statutory compensation scheme and the Deposit Protection Fund also secure deposits at branches of Commerzbank Aktiengesellschaft abroad.

The Deposit Protection Fund secures all liabilities which are to be reported in the balance-sheet item “liabilities to customers”. These comprise sight deposits, term deposits and savings deposits, including registered securities, like e.g. registered bonds, registered savings bonds and registered certificates of indebtedness (auf den Namen lautende Schuldscheindarlehen) regardless of the currency. Bearer bonds, bearer certificates of deposit, participating certificates, subordinated liabilities and liabilities to banks are not protected. Furthermore, all redelivery obligations arising from securities lending transactions which are reported as liabilities and liabilities arising from securities repurchase (repo) transactions are not protected.

The protection ceiling for each creditor is 20% until 31 December 2019, 15 % until 31 December 2024, and 8.75% as of 1 January 2025, of own funds according to article 72 CRR[1]. Deposits established or renewed after 31 December 2011 shall be subject to the respective new protection ceilings as of the aforementioned dates, irrespective of the time when the deposits are established. Deposits established before 31 December 2011 shall be subject to the old protection ceilings until maturity or until the next possible withdrawal date.

The applicable protection ceiling shall be notified to the Customer by the Bank on request. It is also available on the Internet at the Bundesverband deutscher Banken e.V.: www.bankenverband.de.

Up to this amount, secured liabilities are protected by the Deposit Protection Fund for each legitimate customer.

Further details of the scope of protection are contained in Section 6 of the By-laws of the Deposit Protection Fund. Detailed information regarding the Deposit Protection Fund, especially frequently asked questions can be found on the website of the Bundesverband deutscher Banken e.V.: www.bdb.de. On this website you can also request directly the prevailing protection ceiling and the By-laws of the Deposit Protection Fund.

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