Payment account data for BaFin's comparison website (§ 17 ZKG)

The facts

Who files

Payment service providers that offer payment accounts to consumers in Germany. Source

How often

Whenever data change or a new account is offered; for the ATM network criterion a half-yearly update is enough. Source

Deadline

Changes, updates and new accounts within three business days from when they take effect (section 17(2) ZKG). Source

Format

XML. XML file upload or SOAP web service in the MVP procedure 'Vergleichswebsite für Zahlungskonten'; test procedure available. Source

How it is filed

Filing routes recorded for the BaFin: MVP Portal (Melde- und Veröffentlichungsplattform, reporting and publishing platform); Direct submission to BaFin outside the MVP Portal. See how firms file with the BaFin.

Status

In force

Group

Payment account providers (national)

Templates (0)

The library lists no templates for this return.

No form: the content is defined in BaFin's XML documentation and the Comparison Website Reporting Regulation (VglWebMV). Source

Validation rules

The BaFin publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: PDF documentation of the XML format.

The rules, on bafin.de

Counts are in the BaFin's own unit, so they are not comparable with other regulators' counts.

Public data

Published firm by firm. BaFin's account comparison website shows the details submitted by providers for around 6,900 current and basic accounts, by named provider, with fees and interest rates. Source

Where it is published (Interactive website)

• BaFin account comparison website (Kontenvergleich)

  Firm by firm · Interactive website

  Compares around 6,900 current and basic payment accounts offered in Germany, showing the details providers submit to BaFin (fees, card inclusion, overdraft and credit interest, online account), updated as providers report changes. Source

Official documents (4)

The BaFin's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

• MVP-Portal

  List of returns · HTML

  BaFin's page on its reporting and publishing platform (Melde- und Veröffentlichungsplattform, MVP). It lists 44 specialised procedures (Fachverfahren) firms use to file with BaFin, with registration steps and manuals. Read in German; the English version lists only 18 of them.

• Vergleichswebsite für Zahlungskonten

  Filing rules · HTML

  Payment service providers offering consumer payment accounts in Germany report account data for BaFin's comparison website under section 17 ZKG and the Comparison Website Reporting Regulation (VglWebMV), by XML upload or SOAP web service.

• Dokumentation zur Erstellung von Meldungen zu Zahlungskonten im XML-Format

  Schema · PDF · 1.2 MB · 26 March 2026

  SHA-256 4c6e99dacef3show in fullhide

  4c6e99dacef3073774431e8329a348a7a44e2aacb7ec7377fef1d81ae5cb95a4
• Benutzerhandbuch für das MVP Portal

  Guidance · PDF · 3.3 MB

  User manual for registering on the MVP Portal and applying for specialised procedures. Not read in full; size and hash recorded.

  SHA-256 ad770ad7df85show in fullhide

  ad770ad7df85ff9be0dcd51cb1dc67d7edb2db7c7c6cb35cab09ca5ff605278e

Sources

Every page and document this return's facts were read from.

• bafin.de/DE/unternehmen-maerkte/mvp-portal/vergleichswebsite_fuer_zahlungskonten/mvp_vergleichswebsite_fuer_zahlungskonten_node.html
• bafin.de/EN/verbraucherinnen-verbraucher/hilfe-kontakt/bafin-kontenvergleich/bafin-kontenvergleich_node_en.html

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.