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Banks and Consumers in Germany


1	The comprehensive consumer policy scheme
		Mission statement
		The four central components
2	General terms and conditions of business (AGB) and special conditions of the private commercial banks
		Function of business terms and conditions in Germany
		Mutual rights and obligations of banks and customers
		The most important special conditions of the private commercial banks
3	The current account: the key to using your bank
		Basis for using a number of banking services
		Cashless payment services
		Standing orders
		Direct debits (Einzugsermächtigung)
		Cards
		Cashless payments
		Credit cards
		Security tips for using a bank card
4	Online banking
		Online banking: virtual access to your account
		Secure online banking
5	The consumer's statutory cancellation rights
		Doorstep transactions (Section 312 German Civil Code)
		Consumer loan contracts (Section 495 German Civil Code)
		Financial services sold at a distance (Section 312d German Civil code)
6	Credit scoring - part of modern lending
7	Deposit protection
8	"Current Account for Everyone"
		Social importance of the current account
		ZKA's "Current Account for Everyone" ("Basic Account") recommendation
9	Ombudsman Scheme
		The idea
		How it works: a modern customer complaints system
		The European level: FIN-NET
10	The fokus:verbraucher series

Private banks

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