{"id":43958,"date":"2025-07-30T13:20:12","date_gmt":"2025-07-30T11:20:12","guid":{"rendered":"https:\/\/saarlb.de\/real-time-transfers\/"},"modified":"2026-09-14T15:48:40","modified_gmt":"2026-09-14T13:48:40","slug":"real-time-transfers","status":"publish","type":"page","link":"https:\/\/saarlb.de\/en\/banking\/real-time-transfers\/","title":{"rendered":"Real-time transfers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"43958\" class=\"elementor elementor-43958 elementor-43643\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7076eac elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7076eac\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8a2ffd3\" data-id=\"8a2ffd3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cfe88a elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2cfe88a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-right\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tYour money arrives at the payee in seconds\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9710bf0\" data-id=\"9710bf0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd4963f elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"fd4963f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-172b258 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"172b258\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a47576\" data-id=\"1a47576\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47421af elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"47421af\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Real-time transfers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb4635b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"eb4635b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">are becoming the new standard<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d62592 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5d62592\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1847405\" data-id=\"1847405\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b6a7c5 elementor-widget elementor-widget-html\" data-id=\"4b6a7c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;sticky_offset&quot;:110,&quot;sticky_offset_mobile&quot;:58,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav class=\"slb-sprung\" aria-label=\"Themen dieser Seite\"><span class=\"slb-sprung__titel\">On this page<\/span><div class=\"slb-sprung__mobil\"><label class=\"slb-sprung__label\" for=\"slb-sprung-auswahl\">Jump to section<\/label><select id=\"slb-sprung-auswahl\" class=\"slb-sprung__select\"><option value=\"#thema-allgemeines\">01 &nbsp;General information<\/option><option value=\"#thema-neuerungen\">02 &nbsp;Updating payment transactions<\/option><option value=\"#thema-empfaenger\">03 &nbsp;Verification of Payee<\/option><option value=\"#thema-ebics\">04 &nbsp;EBICS<\/option><option value=\"#thema-faq\">06 &nbsp;Frequently asked questions<\/option><\/select><\/div><div class=\"slb-sprung__leiste\"><a class=\"slb-sprung__link\" href=\"#thema-allgemeines\"><span class=\"slb-sprung__nr\">01<\/span>General information<\/a><a class=\"slb-sprung__link\" href=\"#thema-neuerungen\"><span class=\"slb-sprung__nr\">02<\/span>Updating payment transactions<\/a><a class=\"slb-sprung__link\" href=\"#thema-empfaenger\"><span class=\"slb-sprung__nr\">03<\/span>Verification of Payee<\/a><a class=\"slb-sprung__link\" href=\"#thema-ebics\"><span class=\"slb-sprung__nr\">04<\/span>EBICS<\/a><a class=\"slb-sprung__link\" href=\"#thema-faq\"><span class=\"slb-sprung__nr\">06<\/span>Frequently asked questions<\/a><\/div><\/nav><script>(function(){function start(){var links=[].slice.call(document.querySelectorAll(\".slb-sprung__link\"));var sel=document.getElementById(\"slb-sprung-auswahl\");var mobil=document.querySelector(\".slb-sprung__mobil\");function ziele(){return links.map(function(a){return document.querySelector(a.getAttribute(\"href\"));}).filter(Boolean);}var platz=document.createElement(\"div\");platz.className=\"slb-sprung__platz\";if(mobil&&mobil.parentNode)mobil.parentNode.insertBefore(platz,mobil);function kopfhoehe(){var u=0;document.querySelectorAll(\"[data-elementor-type='header'] .elementor-section,#wpadminbar\").forEach(function(e){var cs=getComputedStyle(e);if(cs.position!==\"fixed\"&&cs.position!==\"sticky\")return;var r=e.getBoundingClientRect();if(r.height>0&&r.top<180&&r.bottom>u)u=r.bottom;});return Math.round(u);}function sperrhoehe(){var h=kopfhoehe();if(mobil&&getComputedStyle(mobil).display!==\"none\")h+=mobil.offsetHeight;else{var w=document.querySelector(\".slb-sprung\");if(w)h+=w.offsetHeight;}return h+20;}function abstaendeSetzen(){var s=sperrhoehe();ziele().forEach(function(z){z.style.scrollMarginTop=s+\"px\";});}function markiere(id){links.forEach(function(a){a.classList.toggle(\"ist-aktiv\",a.getAttribute(\"href\")===\"#\"+id);});if(sel&&sel.value!==\"#\"+id)sel.value=\"#\"+id;}function aktuellen(){var grenze=sperrhoehe()+12,treffer=null,zs=ziele();if(!zs.length)return;zs.forEach(function(z){if(z.getBoundingClientRect().top<=grenze)treffer=z;});markiere((treffer||zs[0]).id);}function fixierung(){if(!mobil)return;if(window.innerWidth>767){if(mobil.classList.contains(\"ist-fest\")){mobil.classList.remove(\"ist-fest\");mobil.style.top=\"\";platz.style.height=\"0px\";}return;}var oben=kopfhoehe(),fest=mobil.classList.contains(\"ist-fest\");var bezug=fest?platz:mobil;if(bezug.getBoundingClientRect().top<=oben){if(!fest){platz.style.height=mobil.offsetHeight+\"px\";mobil.classList.add(\"ist-fest\");}mobil.style.top=oben+\"px\";}else if(fest){mobil.classList.remove(\"ist-fest\");mobil.style.top=\"\";platz.style.height=\"0px\";}}function takt(){aktuellen();fixierung();}function springe(auswahl){var z=document.querySelector(auswahl);if(!z)return;var y=z.getBoundingClientRect().top+window.pageYOffset-sperrhoehe();var weg=Math.abs(y-window.pageYOffset);window.scrollTo({top:Math.max(0,y),behavior:weg>2500?\"auto\":\"smooth\"});setTimeout(takt,80);setTimeout(takt,500);}if(sel)sel.addEventListener(\"change\",function(){springe(sel.value);});links.forEach(function(a){a.addEventListener(\"click\",function(e){e.preventDefault();springe(a.getAttribute(\"href\"));});});window.addEventListener(\"resize\",function(){abstaendeSetzen();takt();});abstaendeSetzen();takt();setTimeout(function(){abstaendeSetzen();takt();},500);setInterval(takt,150);}if(document.readyState===\"loading\"){document.addEventListener(\"DOMContentLoaded\",start);}else{start();}})();<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e2778f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2778f0\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-allgemeines\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15bab1b\" data-id=\"15bab1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52da304 elementor-widget elementor-widget-html\" data-id=\"52da304\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">01<\/span><h2 class=\"slb-thema__titel\">General information<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-51201e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51201e7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fca0317\" data-id=\"fca0317\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc0cff6 elementor-widget elementor-widget-heading\" data-id=\"cc0cff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">General information<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3984598 elementor-widget elementor-widget-text-editor\" data-id=\"3984598\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Since April 2024, a new regulation on real-time transfers (EU No. 2024\/886) has been in force throughout the European Union. Its aim is to promote the use and acceptance of real-time transfers and to create uniform standards for greater security and efficiency in payment transactions. From 5 October 2025, the implementation of the regulation will bring important changes. In future, real-time transfers can be initiated not only in online banking or via EBICS, but also as a paper-based transfer. Depending on the procedure, individual and collective orders as well as standing orders and scheduled orders timed to the minute are available to you. Your orders are executed around the clock, with no amount limit and no additional costs. And the new verification of payee for transfers, real-time transfers and standing orders provides greater security. Before an order is executed, it will in future be checked whether the name of the payee entered matches the name held at the payee&#8217;s bank. But there is action to be taken. Find out here about the most important tasks for your company.<\/p>\n<p>\u00a0<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70ded6e elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"70ded6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-exclamation\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tImportant note\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUnder the regulatory requirements of the EU Regulation on real-time transfers, verification of payee (sometimes also referred to as IBAN name check or Verification of Payee (VoP)) must be implemented by 9 October 2025. In line with the requirements of the European Payments Council (EPC), the savings banks will activate verification of payee on 5 October 2025. There may be payee banks in the EU that do not activate verification of payee until after 5 October 2025. In the period from 5 to 9 October 2025, please expect a corresponding notification from verification of payee stating that the check is not possible for payments to these payee banks. It can be assumed that these notifications will gradually decrease by 9 October 2025.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-80bb3be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80bb3be\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c59b011\" data-id=\"c59b011\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4392ecd elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4392ecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/saarlb.de\/en\/banking\/business-payments-and-services\/banking-card\/\" class=\"elementor-icon\" tabindex=\"-1\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-mobile-alt\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b54a402\" data-id=\"b54a402\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13ba8c9 elementor-widget elementor-widget-heading\" data-id=\"13ba8c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More payment security with verification of payee<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e2b6bf elementor-widget elementor-widget-text-editor\" data-id=\"3e2b6bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With the new verification of payee, you as a corporate customer can protect yourself against fraud, incorrect invoices and input errors when executing a transfer. As the party ordering a payment, you can choose whether a verification of payee should be carried out (opt-in) or whether you do not want this (opt-out) for collective transfers and collective real-time transfers. A verification of payee must always be carried out for individual transfers. It is therefore essential to check internal processes! As the payee of a transfer order, it is important that your payers enter the correct name. A different name may result in the person ordering the payment not authorising the payment.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f30b197 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f30b197\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42026d8\" data-id=\"42026d8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-89e5020 elementor-widget elementor-widget-heading\" data-id=\"89e5020\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More information<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3c7bec0 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3c7bec0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ca8c6b0\" data-id=\"ca8c6b0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da8c186 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"da8c186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/saarlb.de\/en\/footer\/legal-notice-2\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Conditions for transfer transactions in our General Terms and Conditions<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/06\/1.2-Vereinbarung-Kommunikationsweg-fuer-Mitteilungen.pdf\" download=\"\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Form for agreeing on the communication channel for notifications<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd143b0 elementor-widget elementor-widget-text-editor\" data-id=\"fd143b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To open this document, please download it and use your Acrobat Reader.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1922bbd\" data-id=\"1922bbd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1df0fc0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1df0fc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/saarlb.de\/banking\/sfirm\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">More information<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae8d0ba elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ae8d0ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/06\/1.3-Einrichtung-des-Kontoweckers-im-Onlinebanking_03.2025.pdf\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Account checker guidance<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb360a3 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cb360a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ebics.de\/de\/ebics-standard\/implementation-guide\" target=\"_blank\" rel=\"nofollow noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Implementation of the Instant Payments regulation in the EBICS procedure \u2013 Information for banks and manufacturers (implementation guide)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ebics.de\/de\/ebics-standard\/hinweise-hersteller-kunden\" target=\"_blank\" rel=\"nofollow noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Implementation of verification of payee in the EBICS procedure (information for corporate customers)<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7889c47 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7889c47\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-neuerungen\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc06ae9\" data-id=\"fc06ae9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb08414 elementor-widget elementor-widget-html\" data-id=\"cb08414\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">02<\/span><h2 class=\"slb-thema__titel\">Updating payment transactions<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-84ac95a elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"84ac95a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dfbb404\" data-id=\"dfbb404\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82b35da elementor-widget elementor-widget-heading\" data-id=\"82b35da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Updating payment transactions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b317579 elementor-widget elementor-widget-heading\" data-id=\"b317579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Real-time transfers on all channels<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c9d7bac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9d7bac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1547bdf\" data-id=\"1547bdf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93e164a elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"93e164a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tUSABLE EVERYWHERE:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn future, real-time transfers can be initiated via all the familiar channels \u2013 in online banking, via the EBICS procedure and also on paper.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-31d33c1\" data-id=\"31d33c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1264a9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c1264a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNEW FUNCTIONS:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAs of October, real-time transfers can also be submitted as standing orders timed to the minute or scheduled orders. So you remain flexible.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-78b73fc elementor-widget elementor-widget-heading\" data-id=\"78b73fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Real-time transfers with no amount limit and no additional costs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eb5e24e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb5e24e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4f4ef6d\" data-id=\"4f4ef6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55d6c50 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"55d6c50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tUNLIMITED AMOUNTS:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn future, real-time transfers will be possible without an additional upper amount limit. Limits agreed in online banking or in the EBICS procedure remain in place.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5ab8afe\" data-id=\"5ab8afe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e78508b elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e78508b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTHE SAME COSTS AS STANDARD TRANSFERS\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA real-time transfer costs no more than a standard transfer.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5e64d0a\" data-id=\"5e64d0a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dee0310 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dee0310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAROUND THE CLOCK:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tReal-time transfers are possible any day and any time \u2013 even on public holidays and at weekends.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5ea9a7 elementor-widget elementor-widget-heading\" data-id=\"a5ea9a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Security through verification of payee<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de714f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de714f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-316992e\" data-id=\"316992e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af4f500 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"af4f500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMANDATORY VERIFICATION OF PAYEE:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAll transfers and real-time transfers must be checked in future. This also applies to collective, standing and scheduled orders.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5083c9e\" data-id=\"5083c9e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37ddc29 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"37ddc29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWAIVER OF VERIFICATION OF PAYEE:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAs a corporate customer, you can waive the verification of payee for collective transfers and real-time collective transfers with multiple transactions.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0b69950\" data-id=\"0b69950\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12a4d3b elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"12a4d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDEPOSIT OF TRADE NAMES\/ALIASES:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIn addition to their company name, corporate customers can also enter well-known trade names. These are also taken into account during the verification of payee.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c316aa0 elementor-widget elementor-widget-heading\" data-id=\"c316aa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Immediate notification of the status of the real-time transfer<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0ea9d53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ea9d53\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61b370a\" data-id=\"61b370a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9dd7b26 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9dd7b26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tQUICK STATUS INFORMATION:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tParties ordering a real-time transfer are informed within a very short time whether the transfer succeeded or failed.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a82ddd1\" data-id=\"a82ddd1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0659fd elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d0659fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFREE NOTIFICATION:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNotification is provided free of charge where the order was placed \u2013 for example via the real-time transfer alarm clock in online banking or the status report in the EBICS procedure.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7150aa7 elementor-widget elementor-widget-spacer\" data-id=\"7150aa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b40b133 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b40b133\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-empfaenger\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e61f889\" data-id=\"e61f889\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ed4338 elementor-widget elementor-widget-html\" data-id=\"0ed4338\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">03<\/span><h2 class=\"slb-thema__titel\">Verification of Payee<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0eca43c elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"0eca43c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bde7708\" data-id=\"bde7708\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-443e857 elementor-widget elementor-widget-heading\" data-id=\"443e857\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More payment security with verification of payee<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85d3e32 elementor-widget elementor-widget-text-editor\" data-id=\"85d3e32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The following notifications are possible:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb8d7e elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"fbb8d7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMatch:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe IBAN entered and the name almost match.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2629c24 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2629c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClose match:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe IBAN entered and the name almost match. The name of the payee at the payee bank is displayed.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83c67cd elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"83c67cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNo match:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe IBAN entered and the name almost match.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9b4a2b elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f9b4a2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVerification check not possible:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe verification could not be carried out for various reasons.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-401bb8b elementor-widget elementor-widget-heading\" data-id=\"401bb8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Examples of results from verification of payee:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a37137 elementor-widget elementor-widget-elementskit-table\" data-id=\"0a37137\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;entries_text&quot;:&quot;Show _MENU_ entries&quot;}\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:true,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:true,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:true,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;Show _MENU_ entries&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:12,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-0a37137\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-2188c07\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tScenario\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-bd1e594\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tRequest\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-ccd60cf\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tNotification\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-d0c1203\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tNotification\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"Correct name\"\n\t\tclass=\"elementor-repeater-item-65dd842 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Correct name<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-20d2071 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-6988be5 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Match\"\n\t\tclass=\"elementor-repeater-item-774859f ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Multiple first names\"\n\t\tclass=\"elementor-repeater-item-bf1071e ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Multiple first names<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-9cde6c9 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Maximilian Mustermann\"\n\t\tclass=\"elementor-repeater-item-9a618b7 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Maximilian Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Match\"\n\t\tclass=\"elementor-repeater-item-8c069cb ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Community persons\"\n\t\tclass=\"elementor-repeater-item-560830a ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Community persons<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-37a20da ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann und Maxima Mustermann\"\n\t\tclass=\"elementor-repeater-item-e3a8350 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann und Maxima Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Match\"\n\t\tclass=\"elementor-repeater-item-f29837f ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Correct name, small typos\"\n\t\tclass=\"elementor-repeater-item-982b685 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Correct name, small typos<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustterman\"\n\t\tclass=\"elementor-repeater-item-cf024df ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustterman<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-ed51194 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Close match\"\n\t\tclass=\"elementor-repeater-item-7cef801 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Close match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Initials\"\n\t\tclass=\"elementor-repeater-item-db2420c ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Initials<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Mustermann\"\n\t\tclass=\"elementor-repeater-item-6c25c8d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-1ae5e45 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Close match\"\n\t\tclass=\"elementor-repeater-item-5a916f9 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Close match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"No first name\"\n\t\tclass=\"elementor-repeater-item-6da15e0 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>No first name<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Mustermann\"\n\t\tclass=\"elementor-repeater-item-4753708 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Musterman\"\n\t\tclass=\"elementor-repeater-item-51e5fd1 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Musterman<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Close match\"\n\t\tclass=\"elementor-repeater-item-3ab574f ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Close match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Incorrect name\"\n\t\tclass=\"elementor-repeater-item-abb06ff ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Incorrect name<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Maria Mustermann\"\n\t\tclass=\"elementor-repeater-item-61edd98 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Maria Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-0df32f6 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"No match\"\n\t\tclass=\"elementor-repeater-item-ccbde45 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>No match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Trade name different from the name of the account holder\"\n\t\tclass=\"elementor-repeater-item-f99bfd9 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Trade name different from the name of the account holder<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Pizzeria Don Franesco\"\n\t\tclass=\"elementor-repeater-item-b5154db ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Pizzeria Don Franesco<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-589de49 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"No match\"\n\t\tclass=\"elementor-repeater-item-67f011e ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>No match<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"No answer received\"\n\t\tclass=\"elementor-repeater-item-8c720fe ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>No answer received<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-84f4a7d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-71f24c3 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"No verification possible\"\n\t\tclass=\"elementor-repeater-item-4302857 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>No verification possible<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Bank does not participate in verification of payee\"\n\t\tclass=\"elementor-repeater-item-a54cbb4 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p><strong>Bank does not participate in verification of payee<\/strong><\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-8fc46e6 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"Max Mustermann\"\n\t\tclass=\"elementor-repeater-item-610d41d ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Max Mustermann<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"No verification possible\"\n\t\tclass=\"elementor-repeater-item-972d529 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>No verification possible<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c26173 elementor-widget elementor-widget-text-editor\" data-id=\"8c26173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Due to a publication by BaFin (https:\/\/www.bafin.de\/ref\/19976730), corporate customers may, until further notice, submit batch transfers with only one transaction via EBICS even without beneficiary verification (opt-out). For this purpose, you may continue to use the previously utilized order types until further notice.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1484ad3 elementor-widget elementor-widget-heading\" data-id=\"1484ad3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Verification of payee process for individual transfers:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60a748f elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"60a748f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPayment submission:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSubmission of the individual transfer in online banking or via EBICS.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85a27c6 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"85a27c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVerification of payee:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAutomatic check whether the payee name matches the account holder.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae93335 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ae93335\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tResult communicated to party ordering transfer:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe result of the verification is reported back promptly.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd52672 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cd52672\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPayment authorisation:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDecision on authorisation or rejection of the payment based on the verification result, in online banking additionally the option to accept correction suggestions from close match.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3301836 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3301836\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPossible results:\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t- Individual transfer was authorised - Individual transfer was rejected.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14eda14 elementor-widget elementor-widget-text-editor\" data-id=\"14eda14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a corporate customer, however, you can decide whether the verification of payee is carried out (opt-in) or whether you waive the verification (opt-out) for collective transfers and collective real-time transfers with more than one transaction. In the EBICS procedure, a collective order can only be fully authorised or rejected after the name has been verified. It is not possible to authorise individual payments (partial authorisation) within a collective order. As the party ordering a transfer or real-time transfer, it is therefore important that you review your internal processes:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dfa494 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8dfa494\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A verification of payee must always be carried out for individual transfers.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">For collective transfers, you can specify whether you want to use the verification of payee (opt-in) or whether you want to do without it (opt-out).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Define rules for releasing payments where the payee name is reported as a close match or as no match.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Check whether all processes in your company can take verification of payee into account \u2013 especially for automated processes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Correct existing payee data in your systems (e.g., ERP applications). Check that they are up to date and that they are spelled correctly.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">When creating new master data, make sure that it is stored correctly.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cd1091 elementor-widget elementor-widget-heading\" data-id=\"9cd1091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does verification of payee work?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17ac30 elementor-widget elementor-widget-image\" data-id=\"b17ac30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"353\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1-1024x452.png\" class=\"attachment-large size-large wp-image-43790\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1-1024x452.png 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1-300x132.png 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1-768x339.png 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1-1536x678.png 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild1-1.png 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c72affc elementor-widget elementor-widget-heading\" data-id=\"c72affc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does the verification of payee work?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e241b18 elementor-widget elementor-widget-text-editor\" data-id=\"e241b18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As the payee of a transfer and real-time transfer, it is therefore important that you inform all business partners in good time:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d21c2f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3d21c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Check your invoices and business letters to ensure that the correct payee name is stated everywhere.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Register additional trading names (aliases) with SaarLB if you need to be reachable under more than one name.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inform your business partners and your payers of the name to be entered for transfer orders. This is usually the name as recorded in a public register \u2013 for example the commercial register or a comparable trade register \u2013 or the trading name that you can have registered with SaarLB.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f14c95c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f14c95c\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-ebics\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3108d31\" data-id=\"3108d31\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd44393 elementor-widget elementor-widget-html\" data-id=\"cd44393\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">04<\/span><h2 class=\"slb-thema__titel\">EBICS<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f681a11 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f681a11\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b6e6ca\" data-id=\"5b6e6ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fdc5c67 elementor-widget elementor-widget-heading\" data-id=\"fdc5c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Verification of payee (VoP) in the EBICS procedure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c690e7 elementor-widget elementor-widget-text-editor\" data-id=\"2c690e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The implementation of verification of payee also entails technical adjustments in the EBICS procedure. New EBICS business transactions are being created for the submission of SEPA transfers and real-time transfers with verification of payee. If you wish to use verification of payee, or are required to do so by law (for example for individual transfers), please use the new business transactions in future. These will be available to you automatically from 5 October 2025.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-848d3e1 elementor-widget elementor-widget-elementskit-table\" data-id=\"848d3e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:false,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:true,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:false,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:10,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-848d3e1\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-4994fbd\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tBusiness transaction\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-3ffb611\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tBTF parameters (EBICS version 3.0)\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-2c76f6b\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tEBICS order type (EBICS version 2.5)\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"SEPA transfer with verification of payee\"\n\t\tclass=\"elementor-repeater-item-ccff93b ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SEPA transfer with verification of payee<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"SCT\/\/VOI\/pain.001\/\"\n\t\tclass=\"elementor-repeater-item-839d22c ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SCT\/\/VOI\/pain.001\/<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"CTV\"\n\t\tclass=\"elementor-repeater-item-0da0728 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>CTV<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"SEPA real-time transfer with verification of payee\"\n\t\tclass=\"elementor-repeater-item-2b57dd4 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SEPA real-time transfer with verification of payee<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"SCI\/\/VOI\/pain.001\/\"\n\t\tclass=\"elementor-repeater-item-5a3686f ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SCI\/\/VOI\/pain.001\/<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"CIV\"\n\t\tclass=\"elementor-repeater-item-1094c6c ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>CIV<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"Verification of payee status report (pain.002)\"\n\t\tclass=\"elementor-repeater-item-46215ac ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>Verification of payee status report (pain.002)<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"REP\/DE\/VOP\/pain.002\/ZIP\"\n\t\tclass=\"elementor-repeater-item-a4feeb9 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>REP\/DE\/VOP\/pain.002\/ZIP<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"VPZ\"\n\t\tclass=\"elementor-repeater-item-2ff0971 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>VPZ<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0792a85 elementor-widget elementor-widget-text-editor\" data-id=\"0792a85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you do not wish to carry out a verification of payee, you can use the existing EBICS business transactions:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf1abe6 elementor-widget elementor-widget-elementskit-table\" data-id=\"bf1abe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n<div class=\"ekit_table display  ekit_table_data_type-custom\"\n\tdata-settings=\"{&quot;fixedHeader&quot;:false,&quot;search&quot;:false,&quot;search_placeholder&quot;:&quot;&quot;,&quot;responsive&quot;:true,&quot;pagination&quot;:false,&quot;button&quot;:false,&quot;entries&quot;:false,&quot;info&quot;:false,&quot;info_text&quot;:&quot;&quot;,&quot;entries_text&quot;:&quot;&quot;,&quot;ordering&quot;:false,&quot;searchIcon&quot;:&quot;&quot;,&quot;item_per_page&quot;:10,&quot;nav_style&quot;:&quot;&quot;,&quot;prev_text&quot;:&quot;&quot;,&quot;next_text&quot;:&quot;&quot;,&quot;prev_arrow&quot;:&quot;&quot;,&quot;next_arrow&quot;:&quot;&quot;}\">\n\t<table id=\"ekit-table-container-bf1abe6\" class=\"display dataTable\" style=\"width:100%\"><thead><tr>\t<th class=\"elementor-repeater-item-4994fbd\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tBusiness transaction\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-3ffb611\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tBTF parameters (EBICS version 3.0)\t\t<\/div>\n\t<\/th>\n\t\t<th class=\"elementor-repeater-item-2c76f6b\">\n\t\t<div\n\t\t\tclass=\"ekit_table_item_container  ekit-table-container- \">\n\t\t\tEBICS order type (EBICS version 2.5)\t\t<\/div>\n\t<\/th>\n\t <\/tr><\/thead><tbody><tr>\t<td data-order=\"SEPA collective transfer without verification of payee\"\n\t\tclass=\"elementor-repeater-item-ccff93b ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SEPA collective transfer without verification of payee<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"SCT\/\/VOO\/pain.001\/ oder SCT\/\/\/pain.001\"\n\t\tclass=\"elementor-repeater-item-839d22c ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SCT\/\/VOO\/pain.001\/ oder SCT\/\/\/pain.001<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"CCT\"\n\t\tclass=\"elementor-repeater-item-0da0728 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>CCT<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"SEPA collective transfer without verification of payee\"\n\t\tclass=\"elementor-repeater-item-2b57dd4 ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SEPA collective transfer without verification of payee<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"SCI\/\/VOO\/pain.001\/ oder SCT\/\/\/pain.001\"\n\t\tclass=\"elementor-repeater-item-5a3686f ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>SCI\/\/VOO\/pain.001\/ oder SCT\/\/\/pain.001<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"CIP\"\n\t\tclass=\"elementor-repeater-item-1094c6c ekit_table_data_\">\n\t\t\n\t\t\t<div\n\t\t\t\tclass=\"ekit_table_body_container ekit_table_data_ ekit_body_align_left\">\n\t\t\t\t<p>CIP<\/p>\n\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t <\/tbody><\/table><\/div>\n\n\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b07d42 elementor-widget elementor-widget-heading\" data-id=\"4b07d42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">With EBICS, the payment order will be submitted as follows in future:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3114f06 elementor-widget elementor-widget-heading\" data-id=\"3114f06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example 1 \u2013 SEPA collective transfer with 15 transfer orders<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc8dd9 elementor-widget elementor-widget-text-editor\" data-id=\"7fc8dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With verification of payee:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87d6365 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"87d6365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">After despatch, the order is forwarded to SaarLB for verification of payee, i.e. the first two signatures will only serve as transport signatures in future.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The status report for the verification of payee is made available for retrieval on the EBICS bank computer (EBICS order type VPZ). This contains an overview of all individual transactions and their status, for example \u201cMatch\u201d or \u201cClose Match\u201d. For salary payments, we recommend submitting the order type XCT to avoid transaction details being displayed. The file is only available for retrieval in the Distributed Electronic Signature (VEU) once the VOP check has been completed and the VOP status report has been finalised.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">After note is taken of the verification result and the legal information, the order can only be fully authorised or cancelled. Only then will the Distributed Electronic Signature (VEU) be retrieved by the authorised signatories (signature class A, B or E).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Once all authorised signatories have signed the order, the order is forwarded for execution.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18477f4 elementor-widget elementor-widget-text-editor\" data-id=\"18477f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Without verification of payee:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d65a3a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0d65a3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Once all authorised signatories have signed the order, the order is forwarded for execution.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Once all authorised signatories have signed the order, the order is forwarded for execution.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e966a elementor-widget elementor-widget-heading\" data-id=\"24e966a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example 2 \u2013 Submission of a single real-time transfer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f768970 elementor-widget elementor-widget-text-editor\" data-id=\"f768970\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The order must be executed as a real-time transfer with verification of payee (EBICS order type CIV):<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f21a543 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f21a543\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">After despatch, the order is forwarded to SaarLB for verification of payee. Any attached electronic signatures will be discarded.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The status report for the verification of payee is made available for retrieval on the EBICS bank computer (EBICS order type VPZ). This contains an overview of all individual transactions and their status, for example \u201cMatch\u201d or \u201cClose Match\u201d. The file is only available for retrieval in the Distributed Electronic Signature (VEU) once the VOP check has been completed and the VOP status report has been finalised.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">After taking note of the verification result and the legal information, the order can be authorised with an electronic signature. Only then will the Distributed Electronic Signature (VEU) be retrieved by the authorised signatories (signature class A, B or E).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Once all authorised signatories have signed the order, the order is forwarded for execution.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f8db7 elementor-widget elementor-widget-text-editor\" data-id=\"a2f8db7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>NOTE: If the order is instead submitted without verification of payee (EBICS order type CIP), it will be rejected on the EBICS bank computer, as a verification of payee must always be carried out for individual real-time transfers.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc40adc elementor-widget elementor-widget-heading\" data-id=\"bc40adc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example 3 \u2013 Submission of a SEPA collective transfer with a single transaction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08952d2 elementor-widget elementor-widget-text-editor\" data-id=\"08952d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The order must be executed as a SEPA transfer with verification of payee (EBICS order type CTV). SEPA collective transfers with only one single transaction will be executed as a single transfer in future, i.e. the verification of payee is mandatory. If the order is instead submitted without verification of payee (EBICS order type CCT), it will be rejected on the EBICS bank computer, as a verification of payee must always be carried out for individual transfers. Further detailed information can be found on the website of the German Banking Industry: https:\/\/www.ebics.de\/de\/ebics-standard\/hinweise-hersteller-kunden<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9b0b7f elementor-widget elementor-widget-heading\" data-id=\"a9b0b7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does the Distributed Electronic Signature work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da1cebc elementor-widget elementor-widget-text-editor\" data-id=\"da1cebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In future, use of the distributed electronic signature will be mandatory in order to release or cancel payment orders with verification of payee. The Instant Payments Regulation stipulates that all signatories must first take note of the VoP result. The submitted file that has undergone the VoP check is therefore authorised or cancelled via the distributed electronic signature (VEU). For this purpose, the VEU procedure is being extended to include the VoP check result and supplementary information. If you do not yet use the VEU, find out now how it works in the banking software or app you use.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fcaadb elementor-widget elementor-widget-heading\" data-id=\"7fcaadb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Notes for users of banking applications<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c519a0 elementor-widget elementor-widget-text-editor\" data-id=\"2c519a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The accountant submits the transfer order without an electronic signature and sends it to SaarLB. Managing director A retrieves the information on the transfer order from the EBICS bank computer and checks it. After the check, they add their electronic signature (ES) using banking software. Managing director B retrieves the information on the not yet fully signed transfer order from the EBICS bank computer and checks it. After the check, they in turn add their electronic signature (ES) using the EBICS app. The fully signed order is processed.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1b5d1 elementor-widget elementor-widget-image\" data-id=\"7b1b5d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"574\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2-1024x735.png\" class=\"attachment-large size-large wp-image-43795\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2-1024x735.png 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2-300x215.png 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2-768x551.png 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2-1536x1102.png 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/07\/Echtzeitueberweisung_Schaubild2.png 1920w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3109b12 elementor-widget elementor-widget-heading\" data-id=\"3109b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Notes for users of banking applications<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c531f elementor-widget elementor-widget-text-editor\" data-id=\"70c531f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please find out in good time whether the producer of your application will make the necessary adjustments so that you can use all the new functions. SaarLB will provide the payment transaction applications offered, such as SFirm and the online banking portal, with all necessary updates in good time. If you are using an application from another manufacturer, please contact them directly. At www.ebics.de\/de\/ebics-standard\/implementation-guide you will find an implementation guide from the German Banking Industry for implementing the Instant Payment regulation in the EBICS procedure.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-aafb6f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aafb6f0\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-sfirm\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3fe04b7\" data-id=\"3fe04b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a3e593b elementor-widget elementor-widget-html\" data-id=\"a3e593b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">05<\/span><h2 class=\"slb-thema__titel\">SFirm<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f820919 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f820919\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dba6fc5\" data-id=\"dba6fc5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77a21ad elementor-widget elementor-widget-heading\" data-id=\"77a21ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SFIRM<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ebf0bc elementor-widget elementor-widget-text-editor\" data-id=\"0ebf0bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Falls Sie die Software SFirm benutzen, finden Sie eine Schritt-f\u00fcr-Schritt-Anleitung \u00fcber einen beispielhaften Ablauf der Empf\u00e4nger\u00fcberpr\u00fcfung f\u00fcr den HBCI- und EBICS-Zahlungsverkehr <a href=\"https:\/\/www.sfirm.de\/fileadmin\/Downloads\/Support\/PDFs\/VoP_Flow_SFirm.pdf\" target=\"_blank\" rel=\"noopener nofollow\"><strong>hier<\/strong>.\u00a0<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d58661c elementor-widget elementor-widget-text-editor\" data-id=\"d58661c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Die Empf\u00e4ngerpr\u00fcfung ist bei SFirm automatisch integriert, sofern Sie die aktuelle Version verwenden.<\/li>\n<li>Mit SFirm 4 ab Patch 25.09. sind Sie bereits optimal auf die neue gesetzliche Anforderung vorbereitet, denn diese Version unterst\u00fctzt die Empf\u00e4ngerpr\u00fcfung.<\/li>\n<li>Voraussichtlich ab Mittwoch, den 24. September 2025, steht Patch 25.09 f\u00fcr SFirm 4 per Serviceupdate bereit. Die Auslieferung erfolgt prozentual ansteigend in den darauffolgenden 7 Tagen. Bei manueller Patch- und Featurepack-Freigabe geben Sie die neuen Updates in den produktabh\u00e4ngigen Einstellungen des Lizenzportals bitte z\u00fcgig frei. Nur so kann die Updateverteilung bei Ihren Kunden m\u00f6glichst ohne Verz\u00f6gerung starten. Sie finden alle Informationen (Neuheiten, Wartungsthemen und Fehlerbehebungen) jederzeit aktuell in der Update-Historie auf <a href=\"https:\/\/www.sfirm.de\/sfirm\/neu-in-sfirm\" target=\"_blank\" rel=\"noopener nofollow\">sfirm.de<\/a>.<\/li>\n<li>SFirm 3.2, SFirm 4.0 und SFirm 4 mit einem Patch bis einschlie\u00dflich 25.08 werden die Empf\u00e4ngerpr\u00fcfung nicht unterst\u00fctzen.<\/li>\n<li>Ein Wechsel auf eine aktuelle Version von SFirm ist einfach m\u00f6glich:<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d41145e elementor-widget elementor-widget-text-editor\" data-id=\"d41145e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>\u00fcber die integrierte, automatische Installation der Patches<\/li>\n<li>\u00fcber eine manuelle Installation der Patches \u00fcber<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bceb806 elementor-widget elementor-widget-text-editor\" data-id=\"bceb806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>das \u201eWartungscenter\u201c und den Punkt \u201ePatches und Featurepacks\u201c -&gt; \u201eStarten\u201c<\/li>\n<li>das Windows-Starmen\u00fc und den Punkt \u201eSFirm Hilfe und Support\u201c -&gt; \u201eReparatur Patches und Featurepacks\u201c<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d4ea8d elementor-widget elementor-widget-text-editor\" data-id=\"1d4ea8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li>Saved payees are generally retained. When a payment is executed using a saved payee, verification of payee is carried out as well.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc78835 elementor-widget elementor-widget-text-editor\" data-id=\"fc78835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/hilfe.sfirm.de\/hc\/de\/articles\/21600157934876-Wichtig-Neue-gesetzliche-Vorgaben-f%C3%BCr-%C3%9Cberweisungen-ab-Oktober\" rel=\"nofollow noopener\" target=\"_blank\">Wichtig: Neue gesetzliche Vorgaben f\u00fcr \u00dcberweisungen ab Oktober \u2013 SFirm Hilfe-Center<\/a><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-374929f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"374929f\" data-element_type=\"section\" data-e-type=\"section\" id=\"thema-faq\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7787317\" data-id=\"7787317\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-996355a elementor-widget elementor-widget-html\" data-id=\"996355a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"slb-thema__nr\">06<\/span><h2 class=\"slb-thema__titel\">Frequently asked questions<\/h2><div class=\"slb-thema__strich\" aria-hidden=\"true\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3bb4a4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bb4a4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17782ed\" data-id=\"17782ed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb004f8 elementor-widget elementor-widget-heading\" data-id=\"eb004f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions and answers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45ede0d elementor-widget elementor-widget-text-editor\" data-id=\"45ede0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>I do not want to use the verification of payee. What can I do?<\/strong><\/p>\n<p> For individual transfers or collective orders with only one transaction, verification of payee is mandatory and cannot be switched off. Corporate customers can optionally use verification of payee for collective transfers with more than one transaction. <\/p>\n<p><strong>I don&#8217;t know if my banking application supports verification of payee. What can I do?<\/strong><\/p>\n<p> Applications provided by SaarLB, such as online banking or SFirm, will support verification of payee in good time. <\/p>\n<p><strong>How can I stay informed about the status of my real-time transfers?<\/strong><\/p>\n<p> In online banking, you can find out about the status of your real-time transfer via your revenue display or the account alarm clock. In the EBICS procedure, you can track the status using your transaction information, earmarked items or the status report. <\/p>\n<p><strong>What happens if the transfer is not executed within ten seconds?<\/strong><\/p>\n<p> If a real-time transfer cannot be completed within ten seconds, the transferred amount is automatically credited back to your account. If, in exceptional cases, the execution status is still unclear after the deadline has expired, you will receive a corresponding notification together with the chargeback. In this case, please do not make a new transfer until SaarLB has finally checked the payment status. <\/p>\n<p><strong>Does the verification of payee also apply to express transfers and international payments?<\/strong><\/p>\n<p> No, euro express transfers and foreign payments are not subject to the verification of payee requirements and can be submitted as before. <\/p>\n<p><strong>Does the verification of payee also apply to payments to my own current accounts?<\/strong><\/p>\n<p> Irrespective of whether payments are made to one\u2019s own payment accounts at SaarLB or at another credit institution, these are subject to the obligation to verify the payee. This does not apply to non-payment accounts, such as fixed-term deposits and savings accounts. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7bbe4d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bbe4d2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b9c0578\" data-id=\"b9c0578\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-041e9f9 elementor-widget elementor-widget-heading\" data-id=\"041e9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c19b562 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c19b562\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-e527244\" data-id=\"e527244\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-97e5ad2\" data-id=\"97e5ad2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d794c9 elementor-widget elementor-widget-posts\" data-id=\"8d794c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_content_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.full_content\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-full_content elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-32636 kontakte type-kontakte status-publish hentry\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t<div class=\"elementor-post__content\"><style>.elementor-widget-uael-team-member .uael-separator{border-top-color:var( --e-global-color-accent );}.elementor-widget-uael-team-member .uael-team-member-image img{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-member-image img:hover{border-color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-name{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-desig{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-desc{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-uael-team-member .elementor-social-icon{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .elementor-social-icon:hover{border-color:var( --e-global-color-secondary );}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-member-image img{width:250px;border-style:none;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-separator {width:20%;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-separator{border-top-width:2px;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon{border-radius:10% 10% 10% 10%;border-style:none;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-name{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-desig{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .uael-team-desc{color:#000000;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:not(:hover), .elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:not(:hover) svg{background-color:#C1BEA6;}.elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:hover, .elementor-32636 .elementor-element.elementor-element-51111fee .elementor-social-icon:hover svg{background-color:#D24707;}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"32636\" class=\"elementor elementor-32636 elementor-32545 elementor-32545\" data-elementor-post-type=\"kontakte\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e758b1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e758b1a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27c5e4c8\" data-id=\"27c5e4c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51111fee elementor-shape-rounded uael-member-image-pos-above uael-shape-square uael-team-member-align-center elementor-widget elementor-widget-uael-team-member\" data-id=\"51111fee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-team-member\">\n\t\t\t<div class = \"uael-team-member-wrap\">\n\t\t\t\t<div class=\"uael-member-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-image\">\n\t\t\t\t\t\t\t<div class=elementor-animation-><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-300x200.jpg\" class=\"attachment-medium size-medium wp-image-33559\" alt=\"Portrait von Xenia Leonard\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-300x200.jpg 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1024x684.jpg 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-768x513.jpg 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-391x260.jpg 391w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1536x1026.jpg 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia-1320x882.jpg 1320w, https:\/\/saarlb.de\/wp-content\/uploads\/2023\/12\/Leonard_xenia.jpg 1920w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-name\">\n\t\t\t\t\t\t<h3 class=\"uael-team-name\">Xenia L\u00e9onard<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-designation\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desig\">Business Payment Services\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-separator-wrapper\">\n\t\t\t<span class=\"uael-separator\"><\/span>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-desc\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desc\">Fon. +49 681 383-1317<br \/>\r\nxenia.leonard@saarlb.de<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<div class=\"uael-team-social-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation- elementor-repeater-item-5c34d00\" href=\"mailto:xenia.leonard@saarlb.de\" target=\"_blank\" aria-label=\"Envelope\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-animation- elementor-repeater-item-a73dfc1\" href=\"tel:0049683831317\" target=\"_blank\" aria-label=\"Phone-alt\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-d454ace elementor-hidden-tablet elementor-hidden-phone\" data-id=\"d454ace\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ae3728 elementor-widget elementor-widget-posts\" data-id=\"5ae3728\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;full_content_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.full_content\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-full_content elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-35647 kontakte type-kontakte status-publish hentry\" role=\"listitem\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t<div class=\"elementor-post__content\"><style>.elementor-widget-uael-team-member .uael-separator{border-top-color:var( --e-global-color-accent );}.elementor-widget-uael-team-member .uael-team-member-image img{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-member-image img:hover{border-color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-name{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .uael-team-desig{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-secondary );}.elementor-widget-uael-team-member .uael-team-desc{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-uael-team-member .elementor-social-icon{border-color:var( --e-global-color-primary );}.elementor-widget-uael-team-member .elementor-social-icon:hover{border-color:var( --e-global-color-secondary );}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-member-image img{width:250px;border-style:none;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-separator {width:20%;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-separator{border-top-width:2px;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon{border-radius:10% 10% 10% 10%;border-style:none;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-name{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-desig{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .uael-team-desc{color:#000000;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:not(:hover), .elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:not(:hover) svg{background-color:#C1BEA6;}.elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:hover, .elementor-35647 .elementor-element.elementor-element-5ce23072 .elementor-social-icon:hover svg{background-color:#D24707;}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"35647\" class=\"elementor elementor-35647 elementor-33950 elementor-33950\" data-elementor-post-type=\"kontakte\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3270dd45 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3270dd45\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c276aa2\" data-id=\"c276aa2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ce23072 elementor-shape-rounded uael-member-image-pos-above uael-shape-square uael-team-member-align-center elementor-widget elementor-widget-uael-team-member\" data-id=\"5ce23072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-team-member.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-team-member\">\n\t\t\t<div class = \"uael-team-member-wrap\">\n\t\t\t\t<div class=\"uael-member-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-image\">\n\t\t\t\t\t\t\t<div class=elementor-animation-><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-300x200.jpg\" class=\"attachment-medium size-medium wp-image-33953\" alt=\"Portrait von Christine Bieg\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-300x200.jpg 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-1024x684.jpg 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-768x513.jpg 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01-391x260.jpg 391w, https:\/\/saarlb.de\/wp-content\/uploads\/2024\/02\/Christine-Bieg_01.jpg 1317w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-content\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-name\">\n\t\t\t\t\t\t<h3 class=\"uael-team-name\">Christine Bieg<\/h3>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-designation\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desig\">Business Payment Services\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-separator-wrapper\">\n\t\t\t<span class=\"uael-separator\"><\/span>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-team-member-desc\">\n\t\t\t\t\t\t\t<div class=\"uael-team-desc\">Fon. +49 681 383-1848<br \/>\r\nchristine.bieg@saarlb.de<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper\">\n\t\t\t\t\t\t\t<div class=\"uael-team-social-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation- elementor-repeater-item-5c34d00\" href=\"mailto:christine.bieg@saarlb.de\" target=\"_blank\" aria-label=\"Envelope\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-phone-alt elementor-animation- elementor-repeater-item-a73dfc1\" href=\"tel:00496813831848\" target=\"_blank\" aria-label=\"Phone-alt\">\n\t\t\t\t\t\t\t\t\t\t<i class=\"fas fa-phone-alt\"><\/i>\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-50da2a4\" data-id=\"50da2a4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fdc1c07 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"fdc1c07\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b9d886\" data-id=\"2b9d886\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e12722 elementor-widget elementor-widget-image\" data-id=\"4e12722\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/elementor\/thumbs\/weitsicht_durch_naehe_titling-2-q7f4wrmbnvfpmbji8yu8qid0x0xsn8k0in56jnavb4.jpg\" title=\"weitsicht_durch_naehe_titling.jpg\" alt=\"weitsicht_durch_naehe_titling.jpg\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your money arrives at the payee in seconds Real-time transfers are becoming the new standard On this pageJump to section01 &nbsp;General information02 &nbsp;Updating payment transactions03 &nbsp;Verification of Payee04 &nbsp;EBICS06 &nbsp;Frequently asked questions01General information02Updating payment transactions03Verification of Payee04EBICS06Frequently asked questions 01 General information General information Since April 2024, a new regulation on real-time transfers (EU No. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":14706,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-43958","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/43958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/comments?post=43958"}],"version-history":[{"count":0,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/43958\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/pages\/14706"}],"wp:attachment":[{"href":"https:\/\/saarlb.de\/en\/wp-json\/wp\/v2\/media?parent=43958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}