Remittance slip

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Transfer forms are in Germany colloquially forms for orders to a bank , a non-cash money transfer ( remittance ) in the paper-based payment transactions to get called. Transfer slips are part of a transfer contract (§§ 676 a ff. BGB ), which comes into effect upon receipt by the commissioned bank.


In accordance with the guidelines for uniform payment transaction forms (2009), they consist of a nationally standardized form made of paper (document reader paper) in paper format DIN A6 in the special colors HKS 12 and HKS 6 and can be filled out by hand or machine . Content is the mention of the related credit institution (abroad: BIC ), the seat and the routing number , the account number of the beneficiary (in other countries: the International Bank Account Number (IBAN)), recipient name, the currency , the amount of use, the account number of the account holder , the date of issue and the signature of the authorized signatory, more rarely two authorized signatories. Some banks give their customers also have the option to orders up to six weeks in advance to schedule . For international transfers specifying the destination, which is additionally charging scheme (determination of cost carrier) and the type of transfer required.

Use and processing

Each holder of a current account usually receives a set of transfer slips, possibly with their bank details and their name printed on them . It is also possible as an entrepreneur to automatically print transfer slips with imprinted specific recipient details according to the sample in order to rationalize bookings (e.g. prevention of incorrect bookings, existing and applicable purpose). In business transactions it is sometimes also common to include partially completed transfer slips in a cover letter, whereby the transfer slips can be separated by means of ultra-fine micro-perforations.

The name of the credit institution, the currency, the serial number of the transfer form, the name of the account holder and his / her account number are already printed on at some banks. Practically every credit institution processes the transfer slips in an automated manner, with the signature of the person authorized to dispose often being checked. If this is not done, the bank is exposed to a not inconsiderable liability risk, for example with regard to transfer fraud . Some institutes only carry out this check if a certain amount is exceeded.

Most transfer slips are now provided without a carbon copy set in order to save costs. There is no obligation on the part of the customer to use transfer slips, but there may be a time delay in free-text transfer orders. Many banks charge additional fees for informal transfer orders in order to cover the additional costs due to the impossibility of machine processing.

In the guidelines for uniform payment transaction forms (2009), the German banks have set very tight specifications for the nature of transfer media.

Special forms

For EU standard transfers (in euros, within the EU, up to a maximum of € 50,000), there is also a DIN A 6 form; for international transfers that do not meet these criteria, the "Z1" form is available. This Z1 form also contains copies for the reports in foreign payment transactions.

Different forms must be used for transfers to a credit institute domiciled abroad and for transfers domiciled in Germany. There are separate forms for international payments . Special features still arise in the cash on delivery procedure and with payment slips .

A special form of transfer is the paperless payment slip transfer procedure (BZÜ). The purpose is made up of 13 decimal digits. The actual customer or invoice number is contained in the first 12 digits, from which a check digit is calculated, which is in the 13th position. The executing bank can identify entry errors from this check digit.

See also

Web links