Yes, there can also be a 3rd world war...
All hypothesis of course...
Sure, Lehmans will never collapse, FF will always be the biggest party, bank shares are as safe as houses, put your money into property (land) and you can't go wrong, Ireland can't go back to 2001, pensions will never be cut, private pensions will never be stolen....
Everything is on the table, up for grabs, its survival of the state........ tax deposits in Ireland @ 15%, tax foreign deposits @ 75%................
Sure, Lehmans will never collapse, FF will always be the biggest party, bank shares are as safe as houses, put your money into property (land) and you can't go wrong, Ireland can't go back to 2001, pensions will never be cut, private pensions will never be stolen....
Everything is on the table, up for grabs, its survival of the state........ tax deposits in Ireland @ 15%, tax foreign deposits @ 75%................
Will do Godfather, I applied for the same account, and will include a cover letter by way of explanation.
I don't want the credit card they are offering at all, just the savings account. I assume electronic transfers back & forth are easy enough ?
If you (or anyone else) has opened this, have you got iban details etc ?
Just got the application from DKB, about 10 pages of German... Mark Twain was right, German looks like a mountain range across a page! I will attempt to fill it in with my trusty Google translate at my side. Thanks for the responses Godfather.
.... They were nice and friendly but beware of the credit-check call you might get after lodging the application in which they'll ask you how much you want to transfer. That will be the moment of truth so have some kind sentences ready.
Are there any company directors out there who have opened or tried to open an account in Germany ( where they are not trading) for their company?
For those who opened a DKB account in person at a DKB branch in Germany with an English speaking DKB agent, did you also happen to have adequate conversational German? Or if you did not speak German did they ever hit a roadblock in your application because of this? E.g. did they not say you could not open an account because of their German-only correspondence rules?
I can speak a good german...
For those that have posted a DKB Cash application form;
The very last page of the printed application form contains the following;
I take it from the above that;
- A Deutsche Post logo.
- A note in German saying;Wichtig! Bitte nehme sie diesen Coupon und lassen Sie sich bei einer Postfiliale mit einem gultigen Personaluswies oder Reisepass identifizieren [ Which I've loosely translated online as: "Important! Please take this coupon and identify yourself at a postal branch with a valid passport". ]
- A billing number (random) and a reference number (in the form of the name of the product being applied for).
- Barcode einscannen (barcode scanning)
- Postident Basic - Formular nutzen (use form or formal use?)
- Formular an absender (form to sender?)
- Barcode
- Postident Basic logo.
1. This section of the form needs to be cut out & needs to be placed on the outside of the envelope?
2. It does not constitute free postage?
3. That the Wichtig! section can safely be ignored in our case?
Reason: I can't see a notary taking the time to bring their passport or ID with them to an Irish post office just to pop my envelope into a post box (I do realise they need to be the one to post it however)...or the necessity for it.....besides Irish post office staff would likely just laugh or ignore the notary & wonder what they're on about.
Any thoughts on this part of the form from those who have posted it before?
No it's not a free post stamp, and it only applies in Germany at Deutsche Post. You don't return this from Ireland.
Thanks Godfather, but I thought you opened your DKB via post rather than flying to Germany to open it at a DKB branch, no?
You don't need to include unless you go to a german post office and send from there. Doesn't constitute free postage. Yes if you are not flying to Germany to get your ID checked by a german post office1. This section of the form needs to be cut out & needs to be placed on the outside of the envelope?
2. It does not constitute free postage?
3. That the Wichtig! section can safely be ignored in our case?
Why? Do you need to apply for the card to get the 1.65%. If you don't need a credit card do you get less interest if you don't apply for it?Sorry why not? I don't use the credit card at all as a mean of payment but it allows me 1.65% interest and that's credited every month... It's just beautiful... Yes transfers back and forth are absolutely very easy with BIC-code and IBAN.
Why? Do you need to apply for the card to get the 1.65%. If you don't need a credit card do you get less interest if you don't apply for it?
So I have successfully opened an account at DB in Berlin. Flew there end of last month booked into hotel Gat Checkpoint Charlie and walked around the corner to the DB branch on Friedrichstrasse. This branch is a test branch and pretty amazing. Looks like a cafe/bar. There is actually a bar counter at the back. We were greeted and offered a coffee or drink while we waited. Our contact came to meet us and showed us a selection of differently designed meeting rooms to choose from. She was extremely friendly and professional. Bear in mind we were making a relatively small lodgement to some of the figures mentioned in this forum but still felt we received star treatment. A very different experinece to opening an account here. We don't speak German but she explained everything thoroughly.
So to the details: We opened 1 year 2% fixed rate account and also a seperate savings account called a Spar account. There is no monthly charge for this. She issued us with the account numbers for the Spar accounts on the spot and asked us to transfer the agreed amount of money for the fixed account in there when we arrived home. She would then transfer this into the fixed rate accounts for us. We opted for online banking and she gave us a demo. She explained that we could make as many additional transfers to the Spar account as required and could make withdrawals through a netwok of ATMs. Closest being Barclays UK. We cannot make withdrawals within the 1 year period from the fixed account unless we die or some very serious reason not just because we want the money back. If we want to withdraw the money at the end of the term we must notify them 3 months prior to year end to advise, otherwise the money is reinvested for another year automatically. We must advise them of an account to return the money. We now can also open more accounts with DB without returning to Germany.
So we arrived home. The only hitch occured when our contact emailed us to say she had given us the wrong account numbers for the Spar account. I had yet to make my transfer so was ok but my mother has already transferred and is waiting hers to return before making the correction. I was a bit anxious but checked our contact's email and the sort codes checked out with same branch so I made the transfer to new account number. I have received confirmation that my fixed account is now open and have received my ATM card and pin number but await my online banking details.
Will update you as to the result of my mother's arrangements once I hear anymore info.
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