Line4

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

Own funds report of payment and e-money institutions (ZEM)

A regulatory return listed by the Deutsche Bundesbank, Germany.

Quarterly report for checking that a ZAG institution's own funds are adequate (Section 15(2) ZAG), using the calculation methods in the ZIEV and template ZEM. The Bundesbank says the overview of calculation methods in the ZIEV is under review. Source

The facts

Who files
ZAG institutions other than those that only provide account information services. Source
How often
Quarterly, as at the end of each calendar quarter. Source
Deadline
By the 20th business day of the month after the reference date; BaFin may extend on request (ZIEV Section 12(1)). 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 (1)

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

  • Form for calculating own funds requirements under Section 15 ZAG (ZIEV Annex) (ZEM)

Template PDF valid since 14 December 2018. Source

Validation rules

33 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_ZEM_.. with no end date in sheet 'Nationales Meldewesen' of the PRISMA rule catalogue (version 1.5).

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 (7)

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.