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In forcePayment and e-money institutions (ZAG) (national)Last checked 11 November 2026

Monthly returns of payment and e-money institutions (STZAG, GVZAG, WAZAG, ESTZAG, EGVZAG)

A regulatory return listed by the Deutsche Bundesbank, Germany.

The 'monthly return' (Monatsausweis) of ZAG institutions under Section 29(1) ZAG: asset position, profit and loss account and further data on payment volumes. Despite its name it is filed after the end of each quarter. Source

The facts

Who files
All institutions under the Payment Services Supervision Act (payment and e-money institutions). Payment institutions that only provide account information services report only the further data under Section 3(1) number 2 c. Institutions that are also credit institutions and file FinaRisikoV financial information use ESTZAG and EGVZAG instead of STZAG and GVZAG. Source
How often
Reporting period is the calendar quarter; BaFin may shorten it to a calendar month in individual cases (ZAGMonAwV Section 4). Source
Deadline
By the 20th business day of the month after the end of the reporting period (ZAGMonAwV Section 5(2)). Source
Format
XML, Web form. Submitted to the Bundesbank's PRISMA reporting line as national (NAT) reports: an XML file, zipped, uploaded with ExtraNet file transfer to the mailbox 'PRISMA - Einreichung von bank- und finanzaufsichtlichen Meldungen' (work area NAT in the file name), or entered with PRISMA's online entry function. Since 1 July 2025 all former WIDAT contents (FinaRisikoV, LiqV, WuSolvV, WpIAnzV and ZAG) are processed in PRISMA. PRISMA sends feedback in PDF and JSON. Source
How it is filed
Filing routes recorded for the Bundesbank: PRISMA (Bundesbank reporting line for supervisory reports); ExtraNet; NExt. See how firms file with the Bundesbank.
Status
In force
Legal basis
Group
Payment and e-money institutions (ZAG) (national)

Templates (5)

The tables and forms inside the return. Plain name first, the Bundesbank's code in brackets.

  • Monthly return: asset position (Annex 1) (STZAG)
  • Monthly return: profit and loss account (Annex 2) (GVZAG)
  • Further information: payment volume (Annex 3) (WAZAG)
  • Monthly return: asset position, institutions that are also credit institutions (Annex 4) (ESTZAG)
  • Monthly return: profit and loss account, institutions that are also credit institutions (Annex 5) (EGVZAG)

Forms named in ZAGMonAwV Section 5(1). Source

Validation rules

122 rules, as counted from the Bundesbank's published material. Software can run them exactly as published. Source

How they are written: Rule formulas in the PRISMA rule catalogue (Excel workbook, sheet 'Nationales Meldewesen'), checked automatically in PRISMA.

The rules, on bundesbank.de

How they were counted

Rules named NAT_<form>_.. with no end date in sheet 'Nationales Meldewesen' of the PRISMA rule catalogue (version 1.5): STZAG 52, GVZAG 41, WAZAG 2, ESTZAG 17, EGVZAG 10.

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

Public data

No published data from this return was found. No data from this return published by the Bundesbank was found on the pages checked. Source

Official documents (10)

The Bundesbank'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.

Sources

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

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.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see Bundesbank's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Deutsche Bundesbank (https://www.bundesbank.de). Documents copied here are unchanged. The plain-English summaries are Line4's own; the Deutsche Bundesbank does not endorse this library.

Last checked 11 November 2026.