Consumers

We believe strongly that the provision of bank services must be carried out both securely and responsibly. Our “Consumers” rubric offers you helpful tips and advice on draft legislation, changes to laws and secure use of bank cards and online-banking services. The information we provide keeps you well-informed and supports you as you manage and organise your finances independently. The modern world is complex, and only well-informed consumers can make sound decisions and protect themselves against fraud. That’s why we advocate for clear, easy to understand consumer protection laws designed to improve financial autonomy.

Current articles for consumers

Article

Students and money: how to keep an eye on your finances

Getting a degree is exciting: new students look forward to more freedom, new opportunities and excellent experiences. But of course, you have to consider how you are going to finance your degree. Paying for rent, food and educational materials such as books and other supplies puts many students under financial pressure. In this article, we discuss various ways to finance your degree.

Ein Paar vor dem Laptop; er schreibt auf einen Zettel, beide lächeln
Article

Managing money together: which account works best for you?

Shared rent, holidays or the weekly shop: couples who live together will sooner or later have to decide how to manage their finances. Should you opt for separate accounts, a joint account or a combination of both? In this article, you'll learn more about it.

Börsenmakler prüft sein Smartphone
Article

Understanding the pre-determined tax basis (Vorabpauschale)

And how to use an exemption order to reduce your tax bill

In January 2026, the pre-determined tax basis (Vorabpauschale) for investment funds is once again likely to come as a surprise for many investors – even though it has been an integral part of investment taxes in Germany since 2018. But what is the pre-determined tax basis, and how does it work? This article explains what you need to know.

Our contacts on the subject of consumers

Dirk Stein

Dirk Stein

Head of Retail and Consumer Protection

+49 (30) 1663 2315
Kathleen Altmann

Kathleen Altmann

Press spokeswoman

+49 (30) 1663 1286
Tanja Beller

Tanja Beller

Press spokeswoman

+49 (30) 1663 1220
Jörg Buschan

Jörg Buschan

Retail and Consumer Protection

+49 (30) 1663 1579
Thomas Lorenz

Thomas Lorenz

Head of Recovery and Resolution

+49 (30) 1663 3190
Stefan Mietke

Stephan Mietke

Digital Finance

+49 (30) 1663 2325
Vivien Rottka

Vivien Rottka

Media Relations

+49 (30) 1663 1738
Fabian Schuster

Fabian Schuster

Payments

+49 (30) 1663 2314

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