{"id":43958,"date":"2025-07-30T13:20:12","date_gmt":"2025-07-30T11:20:12","guid":{"rendered":"https:\/\/saarlb.de\/real-time-transfers\/"},"modified":"2026-05-01T09:41:25","modified_gmt":"2026-05-01T07:41:25","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-77155310 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77155310\" 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-5adfde8\" data-id=\"5adfde8\" 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-1cbafbc elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1cbafbc\" 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-371d607c\" data-id=\"371d607c\" 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-5319e832 elementor-widget__width-initial elementor-widget elementor-widget-spacer\" data-id=\"5319e832\" 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-2065df0f elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"2065df0f\" 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-30a61a88\" data-id=\"30a61a88\" 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-77105cb4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"77105cb4\" 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-3ac348ee elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3ac348ee\" 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\">are becoming the new standard<\/h1>\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-0669a99 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0669a99\" 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-d005b7c\" data-id=\"d005b7c\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7e1555 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7e1555\" 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-87bb163\" data-id=\"87bb163\" 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-e08bcb4 elementor-widget elementor-widget-heading\" data-id=\"e08bcb4\" 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<div class=\"elementor-element elementor-element-8848e4b elementor-widget elementor-widget-elementskit-advanced-toggle\" data-id=\"8848e4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-advanced-toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"elementkit-toggle-tab-wraper\">\n    <div class=\"elemenetskit-toogle-controls-wraper-outer\">\n        <div class=\"elemenetskit-toogle-controls-wraper\">\n            <div class=\"elemenetskit-toggle-indicator\"><\/div>\n            <ul class=\"nav nav-tabs elementkit-tab-nav\">\n                                    <li data-elementor_current_item=\"elementor-repeater-item-74e290b\" class=\"elementor-repeater-item-74e290b \">\n                        <a class=\"elementskit-toggle-nav-link  active\" id=\"content-74e290b69f708afa76bd-tab\" data-ekit-toggle=\"tab\" href=\"#content-74e290b69f708afa76bd\"\n                        aria-describedby=\"content-74e290b69f708afa76bd\" data-indicator-color=\"\">\n                                                            <span class=\"elementskit-tab-title\">General information<\/span>\n                                                    <\/a>\n                    <\/li>\n                                    <li data-elementor_current_item=\"elementor-repeater-item-f29e9af\" class=\"elementor-repeater-item-f29e9af \">\n                        <a class=\"elementskit-toggle-nav-link \" id=\"content-f29e9af69f708afa76bd-tab\" data-ekit-toggle=\"tab\" href=\"#content-f29e9af69f708afa76bd\"\n                        aria-describedby=\"content-f29e9af69f708afa76bd\" data-indicator-color=\"\">\n                                                            <span class=\"elementskit-tab-title\">Updating payment transactions<\/span>\n                                                    <\/a>\n                    <\/li>\n                                    <li data-elementor_current_item=\"elementor-repeater-item-d9ccc3f\" class=\"elementor-repeater-item-d9ccc3f \">\n                        <a class=\"elementskit-toggle-nav-link \" id=\"content-d9ccc3f69f708afa76bd-tab\" data-ekit-toggle=\"tab\" href=\"#content-d9ccc3f69f708afa76bd\"\n                        aria-describedby=\"content-d9ccc3f69f708afa76bd\" data-indicator-color=\"\">\n                                                            <span class=\"elementskit-tab-title\">Verification of payee<\/span>\n                                                    <\/a>\n                    <\/li>\n                                    <li data-elementor_current_item=\"elementor-repeater-item-5a96840\" class=\"elementor-repeater-item-5a96840 \">\n                        <a class=\"elementskit-toggle-nav-link \" id=\"content-5a9684069f708afa76bd-tab\" data-ekit-toggle=\"tab\" href=\"#content-5a9684069f708afa76bd\"\n                        aria-describedby=\"content-5a9684069f708afa76bd\" data-indicator-color=\"\">\n                                                            <span class=\"elementskit-tab-title\">EBICS<\/span>\n                                                    <\/a>\n                    <\/li>\n                                    <li data-elementor_current_item=\"elementor-repeater-item-07e0b54\" class=\"elementor-repeater-item-07e0b54 \">\n                        <a class=\"elementskit-toggle-nav-link \" id=\"content-07e0b5469f708afa76bd-tab\" data-ekit-toggle=\"tab\" href=\"#content-07e0b5469f708afa76bd\"\n                        aria-describedby=\"content-07e0b5469f708afa76bd\" data-indicator-color=\"\">\n                                                            <span class=\"elementskit-tab-title\">FAQ<\/span>\n                                                    <\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n    <div class=\"tab-content elementkit-toggle-tab-content\">\n                    <div \n            class=\"tab-pane elementkit-toggle-tab-pane elementor-repeater-item-74e290b  active show\" \n            id=\"content-74e290b69f708afa76bd\" \n            role=\"tabpanel\"\n            aria-labelledby=\"content-74e290b69f708afa76bd-tab\">\n                <div class=\"animated fadeIn\">\n                    \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"8848e4b\"  data-elementskit-widgetarea-index=\"74e290b\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-widget-area-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46857\" class=\"elementor elementor-46857\" data-elementor-post-type=\"elementskit_content\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d81d89e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d81d89e\" 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-4b7891d\" data-id=\"4b7891d\" 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-602904ec elementor-widget elementor-widget-heading\" data-id=\"602904ec\" 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-746523d5 elementor-widget elementor-widget-text-editor\" data-id=\"746523d5\" 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. The aim of this is to promote the use and acceptance of real-time transfers and to create uniform standards for greater security and efficiency in payment transactions. The implementation of the regulation will bring important changes as of 5 October 2025. In future, real-time transfers can be ordered not only in online banking or EBICS, but also as a transfer by document. Depending on the procedure, you can choose between individual and collective orders as well as standing and scheduled orders timed to the minute. Your orders are executed around the clock, with no amount limit or additional costs. And the new verification of payee for transfers, real-time transfers and standing orders ensures more security. In future, before an order is executed, the system will check whether the name of the specified payee matches the name at the payee bank. But there is a need for action. Find out about the most important tasks for your company here.<\/p>\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-5fb15d45 elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5fb15d45\" 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\tDue to the regulatory requirements of the EU Regulation on real-time transfers, recipient verification (also known as IBAN name comparison or Verification of Payee (VoP)) must be implemented by 9 October 2025. In accordance with the requirements of the European Payments Council (EPC), recipient verification will be activated by the savings banks on 5 October 2025. There may be recipient banks in the EU that will not activate recipient verification until after 5 October 2025. Between 5 and 9 October 2025, please expect to receive a corresponding response to recipient verification stating that verification for payments to these recipient banks is not possible. It can be assumed that these responses will gradually decrease by 9 October 2025.\n\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-top-section elementor-element elementor-element-30bd39fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30bd39fe\" 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-4cb43aab\" data-id=\"4cb43aab\" 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-51f22e97 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"51f22e97\" 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:\/\/slbtest.saarlb.com\/bankcard\/\" class=\"elementor-icon\" tabindex=\"-1\" rel=\"nofollow noopener\" target=\"_blank\">\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-37272a57\" data-id=\"37272a57\" 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-2eddc477 elementor-widget elementor-widget-heading\" data-id=\"2eddc477\" 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-521a7573 elementor-widget elementor-widget-text-editor\" data-id=\"521a7573\" 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>More payment security with verification of payee<\/p><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.<\/p><p>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.<br \/>A verification of payee must always be carried out for individual transfers. It is therefore essential to check internal processes!<\/p><p>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>\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-top-section elementor-element elementor-element-4dc39f2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dc39f2c\" 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-5a46dbc0\" data-id=\"5a46dbc0\" 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-b94d0e2 elementor-widget elementor-widget-heading\" data-id=\"b94d0e2\" 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-7291452c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7291452c\" 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-1768c1e9\" data-id=\"1768c1e9\" 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-5a47c358 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5a47c358\" 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<\/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-66dc88b6 elementor-widget elementor-widget-text-editor\" data-id=\"66dc88b6\" 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>\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-6cb5f140\" data-id=\"6cb5f140\" 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-3f1988aa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3f1988aa\" 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=\"http:\/\/Account%20checker%20guidance%20(german%20version)\" rel=\"nofollow\">\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-6bc1c9d6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6bc1c9d6\" 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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                <\/div>\n            <\/div>\n                    <div \n            class=\"tab-pane elementkit-toggle-tab-pane elementor-repeater-item-f29e9af \" \n            id=\"content-f29e9af69f708afa76bd\" \n            role=\"tabpanel\"\n            aria-labelledby=\"content-f29e9af69f708afa76bd-tab\">\n                <div class=\"animated fadeIn\">\n                    \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"8848e4b\"  data-elementskit-widgetarea-index=\"f29e9af\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-widget-area-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46871\" class=\"elementor elementor-46871\" data-elementor-post-type=\"elementskit_content\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-239d573b elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"239d573b\" 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-45d86bb9\" data-id=\"45d86bb9\" 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-4c5c3fb4 elementor-widget elementor-widget-heading\" data-id=\"4c5c3fb4\" 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-54610c82 elementor-widget elementor-widget-heading\" data-id=\"54610c82\" 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-4f99fc73 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f99fc73\" 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-22d246fe\" data-id=\"22d246fe\" 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-1d9babf5 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1d9babf5\" 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 made in all known ways \u2013 in online banking, EBICS and also by document.\n\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-6bbc8643\" data-id=\"6bbc8643\" 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-4d45eac7 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4d45eac7\" 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.\n\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-31efb20d elementor-widget elementor-widget-heading\" data-id=\"31efb20d\" 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 without amount limit and 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-70e5720f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70e5720f\" 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-3d2c3dd0\" data-id=\"3d2c3dd0\" 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-44ad6fc4 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"44ad6fc4\" 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\tEchtzeit\u00fcberweisungen sind k\u00fcnftig ohne zus\u00e4tzliche Betragsobergrenze m\u00f6glich. Vereinbarte Limite im Online-Banking oder EBICS-Verfahren bleiben bestehen.\n\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-2e2f4de7\" data-id=\"2e2f4de7\" 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-3646d543 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3646d543\" 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.\n\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-32577f98\" data-id=\"32577f98\" 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-34a08fdc elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"34a08fdc\" 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-3c04b2dd elementor-widget elementor-widget-heading\" data-id=\"3c04b2dd\" 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-4940ab53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4940ab53\" 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-33ebf85c\" data-id=\"33ebf85c\" 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-66cac5f9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"66cac5f9\" 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.\n\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-1d7541ef\" data-id=\"1d7541ef\" 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-46a7339e elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"46a7339e\" 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-15eba85e\" data-id=\"15eba85e\" 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-583a59b1 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"583a59b1\" 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.\n\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-6c971014 elementor-widget elementor-widget-heading\" data-id=\"6c971014\" 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 on 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-544efa0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"544efa0f\" 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-5c16c403\" data-id=\"5c16c403\" 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-280cbf5c elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"280cbf5c\" 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 of the success or failure of the transfer within a very short time.\n\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-28dc7f8a\" data-id=\"28dc7f8a\" 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-4f1c7d3c elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4f1c7d3c\" 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.\n\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-782f013c elementor-widget elementor-widget-spacer\" data-id=\"782f013c\" 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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                <\/div>\n            <\/div>\n                    <div \n            class=\"tab-pane elementkit-toggle-tab-pane elementor-repeater-item-d9ccc3f \" \n            id=\"content-d9ccc3f69f708afa76bd\" \n            role=\"tabpanel\"\n            aria-labelledby=\"content-d9ccc3f69f708afa76bd-tab\">\n                <div class=\"animated fadeIn\">\n                    \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"8848e4b\"  data-elementskit-widgetarea-index=\"d9ccc3f\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-widget-area-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46876\" class=\"elementor elementor-46876\" data-elementor-post-type=\"elementskit_content\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60d3f92 elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"60d3f92\" 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-47dfdcc\" data-id=\"47dfdcc\" 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-78d6530 elementor-widget elementor-widget-heading\" data-id=\"78d6530\" 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-49d1d9c elementor-widget elementor-widget-text-editor\" data-id=\"49d1d9c\" 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>Verification of payee is being introduced for transfers, real-time transfers, collective and standing orders and scheduled transfers. In future, outgoing transfer orders will be checked to ensure that the IBAN and the payee&#8217;s name match \u2013 thus protecting against incorrect orders and cases of fraud.<\/p><p><br \/>The following notifications are possible:<\/p>\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-9d1f75f elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"9d1f75f\" 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 match completely.\n\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-28d56a9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"28d56a9\" 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.\n\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-d633fd9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d633fd9\" 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-8c4e676 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8c4e676\" 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-43daad0 elementor-widget elementor-widget-heading\" data-id=\"43daad0\" 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-f3402b1 elementor-widget elementor-widget-elementskit-table\" data-id=\"f3402b1\" 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-f3402b1\" 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<strong>Correct name<\/strong>\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>\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>\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\tMatch\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<strong>Multiple first names<\/strong>\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>\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>\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\tMatch\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<strong>Community persons<\/strong>\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>\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>\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\tMatch\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<strong>Correct name, small typos<\/strong>\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>\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>\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\tClose match\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<strong>Initials<\/strong>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t\t<td data-order=\"M. 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>M. Mustermann<\/p>\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>\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\tClose match\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<strong>No first name<\/strong>\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>\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>\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\tClose match\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<strong>Incorrect name<\/strong>\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>\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>\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\tNo match\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<strong>Trade name different from the name of the account holder<\/strong>\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>\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>\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\tNo match\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<strong>No answer received<\/strong>\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>\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>\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\tNo verification possible\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<strong>Bank does not participate in verification of payee<\/strong>\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>\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>\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\tNo verification possible\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-6941b90 elementor-widget elementor-widget-text-editor\" data-id=\"6941b90\" 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>For individual transfers and individual real-time transfers, a verification of payee is always carried out due to legal requirements. This also applies to collective orders that only contain one transaction. The verification is usually carried out promptly. After taking note of the verification result, you can either authorise the transfer order or cancel and correct it. A transfer can also be executed if there is a discrepancy with the payee&#8217;s name.<\/p><p class=\"p1\"><strong>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.<\/strong><\/p>\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-2d4c068 elementor-widget elementor-widget-heading\" data-id=\"2d4c068\" 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-1e16409 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1e16409\" 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-de2002b elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"de2002b\" 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-bff3a59 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bff3a59\" 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-8398486 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8398486\" 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-43ecc1f elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"43ecc1f\" 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<br>\n- Individual transfer was rejected.\n\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-90ce87f elementor-widget elementor-widget-text-editor\" data-id=\"90ce87f\" 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 <strong>collective transfers<\/strong> and <strong>collective real-time transfers<\/strong> 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.<\/p><p>As<strong> the party ordering a transfer or real-time transfer<\/strong>, it is therefore important that you review your internal processes:<\/p>\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-98acbf5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"98acbf5\" 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 payment authorisation if only a close match or no match of the payee name is reported back.<\/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-d10ee90 elementor-widget elementor-widget-heading\" data-id=\"d10ee90\" 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-237ec78 elementor-widget elementor-widget-image\" data-id=\"237ec78\" 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=\"367\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en-1024x470.png\" class=\"attachment-large size-large wp-image-44205\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en-1024x470.png 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en-300x138.png 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en-768x352.png 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en-1536x705.png 1536w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-1_en.png 1663w\" 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-1e05392 elementor-widget elementor-widget-heading\" data-id=\"1e05392\" 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\">Incoming transfer orders<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58adf4b elementor-widget elementor-widget-text-editor\" data-id=\"58adf4b\" 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 introduction of the verification of payee also has consequences for you if you are the payee of a transfer order. It is important that your payers enter in the transfer order the name under which you hold the account with SaarLB.<\/p><p>As the <strong>payee of a transfer and real-time transfer<\/strong>, it is therefore important that you inform all business partners in good time:<\/p>\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-6b3380b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6b3380b\" 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\">Include additional trade names (alias names) with SaarLB if you need to be reachable under several names.<\/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 payers of the name to be used for transfer orders. This is usually the name according to the public register \u2013 e.g., commercial register or comparable trade register \u2013 or the trade name that you can have given to 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<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                <\/div>\n            <\/div>\n                    <div \n            class=\"tab-pane elementkit-toggle-tab-pane elementor-repeater-item-5a96840 \" \n            id=\"content-5a9684069f708afa76bd\" \n            role=\"tabpanel\"\n            aria-labelledby=\"content-5a9684069f708afa76bd-tab\">\n                <div class=\"animated fadeIn\">\n                    \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"8848e4b\"  data-elementskit-widgetarea-index=\"5a96840\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-widget-area-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46883\" class=\"elementor elementor-46883\" data-elementor-post-type=\"elementskit_content\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-00f1e4b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"00f1e4b\" 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-5d3d8f8\" data-id=\"5d3d8f8\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c68dda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c68dda\" 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-72161e7\" data-id=\"72161e7\" 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-78b118a elementor-widget elementor-widget-heading\" data-id=\"78b118a\" 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-0c22567 elementor-widget elementor-widget-text-editor\" data-id=\"0c22567\" 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 the verification of payee also entails technical adjustments to the EBICS procedure. New EBICS business transactions will be created for the submission of SEPA transfers and real-time transfers with verification of payee.<br \/>If you would like to use the verification of payee or if you have to do so due to legal requirements (e.g., for individual transfers), please use the new business transactions in future. These will be available to you automatically as of 5 October 2025.<\/p>\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-a5f5288 elementor-widget elementor-widget-elementskit-table\" data-id=\"a5f5288\" 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-a5f5288\" 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>\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>\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>\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>\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>\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>\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>\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>\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>\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-3e9f9d0 elementor-widget elementor-widget-text-editor\" data-id=\"3e9f9d0\" 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>\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-2e20294 elementor-widget elementor-widget-elementskit-table\" data-id=\"2e20294\" 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-2e20294\" 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>\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>\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>\t\t\t<\/div>\n\n\t\t\t\t<\/td>\n\t<tr>\t<td data-order=\"SEPA real-time 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 real-time collective transfer without verification of payee<\/p>\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>\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>\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-7e5ab97 elementor-widget elementor-widget-heading\" data-id=\"7e5ab97\" 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-590a3b0 elementor-widget elementor-widget-heading\" data-id=\"590a3b0\" 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-bfe8bf4 elementor-widget elementor-widget-text-editor\" data-id=\"bfe8bf4\" 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 can be executed either as a SEPA transfer order with verification of payee (EBICS order type CTV) or SEPA transfer without verification of payee (EBICS order type CCT):<\/p><p><br \/><strong>With verification of payee<\/strong>:<\/p>\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-540662d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"540662d\" 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-3ded8cb elementor-widget elementor-widget-text-editor\" data-id=\"3ded8cb\" 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>Without verification of payee<\/strong>:<\/p>\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-60767fd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"60767fd\" 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\">The order is authorised with an electronic signature.<\/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-8800782 elementor-widget elementor-widget-heading\" data-id=\"8800782\" 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-e14f5ac elementor-widget elementor-widget-text-editor\" data-id=\"e14f5ac\" 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 <strong>must<\/strong> be executed as a real-time transfer with verification of payee (EBICS order type CIV):\u00a0<\/p>\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-bf6bfb4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bf6bfb4\" 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-a2d5451 elementor-widget elementor-widget-text-editor\" data-id=\"a2d5451\" 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>\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-dcce668 elementor-widget elementor-widget-heading\" data-id=\"dcce668\" 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-e8bcf1d elementor-widget elementor-widget-text-editor\" data-id=\"e8bcf1d\" 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 <strong>must <\/strong>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.<\/p><p>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.<\/p><p>Further detailed information can be found on the website of the German Banking Industry: <a href=\"https:\/\/www.ebics.de\/de\/ebics-standard\/hinweise-hersteller-kunden\" rel=\"nofollow noopener\" target=\"_blank\">https:\/\/www.ebics.de\/de\/ebics-standard\/hinweise-hersteller-kunden<\/a><\/p>\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-55ffcc4 elementor-widget elementor-widget-heading\" data-id=\"55ffcc4\" 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\">The Distributed Electronic Signature (Verteilte Elektronische Unterschrift, VEU)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f00df51 elementor-widget elementor-widget-text-editor\" data-id=\"f00df51\" 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, the use of the Distributed Electronic Signature will be mandatory in order to be able to authorise 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 and VOP-checked file is therefore authorised or cancelled via the Distributed Electronic Signature (VEU). For this purpose, the Distributed Electronic Signature procedure is expanded to include the VOP verification result and additional information.<br \/>If you do not yet use the Distributed Electronic Signature, find out now how it works in the banking software or app you use.<\/p>\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-028af01 elementor-widget elementor-widget-heading\" data-id=\"028af01\" 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-5dca465 elementor-widget elementor-widget-text-editor\" data-id=\"5dca465\" 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>1. The accountant submits a transfer order without electronic signature and sends it to SaarLB.<br \/>2. Manager A retrieves the information on the transfer order from the EBICS bank computer and checks it.<br \/>3. After verification, she adds her electronic signature using banking software.<br \/>4. Manager B retrieves the information on the not yet fully signed transfer order from the EBICS bank computer and checks it.<br \/>5. After the check, she adds her electronic signature using the EBICS app.<br \/>6. The fully signed order is processed.<\/p>\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-79141e3 elementor-widget elementor-widget-image\" data-id=\"79141e3\" 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=\"548\" src=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-2_en-1024x702.png\" class=\"attachment-large size-large wp-image-44207\" alt=\"\" srcset=\"https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-2_en-1024x702.png 1024w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-2_en-300x206.png 300w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-2_en-768x526.png 768w, https:\/\/saarlb.de\/wp-content\/uploads\/2025\/09\/Grafik-2_en.png 1188w\" 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-4b379db elementor-widget elementor-widget-heading\" data-id=\"4b379db\" 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-90e97f4 elementor-widget elementor-widget-text-editor\" data-id=\"90e97f4\" 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 implementation of the new regulations, new functionalities such as the standing order real-time transfer and verification of payee will be introduced. These new functions also require customisation in the applications you use.<\/p><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.<\/p><p>SaarLB will provide the payment transaction applications offered, such as SFirm and the online banking portal, with all necessary updates in good time.<\/p><p>If you are using an application from another manufacturer, please contact them directly.<\/p><p>At <a href=\"http:\/\/www.ebics.de\/de\/ebics-standard\/implementation-guide\" rel=\"nofollow noopener\" target=\"_blank\">www.ebics.de\/de\/ebics-standard\/implementation-guide<\/a> you will find an implementation guide from the German Banking Industry for implementing the Instant Payment regulation in the EBICS procedure.<\/p><p>Please plan appropriate updates for the application you use, which may only be available shortly before the regulatory requirements come into force.<\/p>\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\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                <\/div>\n            <\/div>\n                    <div \n            class=\"tab-pane elementkit-toggle-tab-pane elementor-repeater-item-07e0b54 \" \n            id=\"content-07e0b5469f708afa76bd\" \n            role=\"tabpanel\"\n            aria-labelledby=\"content-07e0b5469f708afa76bd-tab\">\n                <div class=\"animated fadeIn\">\n                    \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"8848e4b\"  data-elementskit-widgetarea-index=\"07e0b54\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"ekit-widget-area-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46887\" class=\"elementor elementor-46887\" data-elementor-post-type=\"elementskit_content\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c72e244 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c72e244\" 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-fbeb0ec\" data-id=\"fbeb0ec\" 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-9c90aa1 elementor-widget elementor-widget-heading\" data-id=\"9c90aa1\" 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-ab57e17 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ab57e17\" 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\t1. I do not want to use the verification of payee. What can I do?\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\tFor 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.\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-5d7d3eb elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5d7d3eb\" 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\t2. I don't know if my banking application supports verification of payee. What can I do?\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\tApplications provided by SaarLB, such as online banking or SFirm, will support verification of payee in good time.\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-4370f97 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4370f97\" 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\t3. How can I stay informed about the status of my real-time 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\tIn 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.\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-eb0d29d elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eb0d29d\" 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\t4. What happens if the transfer is not executed within ten seconds?\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\tIf 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.\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-818c550 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"818c550\" 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\t5. Does the verification of payee also apply to express transfers and international payments?\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\tNo, euro express transfers and foreign payments are not subject to the verification of payee requirements and can be submitted as before.\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-eea73e4 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eea73e4\" 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\t6. Does the verification of payee also apply to payments to my own current accounts?\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\tIrrespective 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.\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>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                <\/div>\n            <\/div>\n            <\/div>\n<\/div><\/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-2716068 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2716068\" 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-4cb86f1\" data-id=\"4cb86f1\" 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-54e3ec7\" data-id=\"54e3ec7\" 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-ec4697e elementor-widget elementor-widget-posts\" data-id=\"ec4697e\" 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:#E95814;}<\/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=\"\" 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-9792225 elementor-hidden-tablet elementor-hidden-phone\" data-id=\"9792225\" 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-d0f58f5 elementor-widget elementor-widget-posts\" data-id=\"d0f58f5\" 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:#E95814;}<\/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=\"\" 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-48515e1\" data-id=\"48515e1\" 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-cd550c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd550c6\" 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-644fe68\" data-id=\"644fe68\" 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-2eeb410 elementor-widget elementor-widget-image\" data-id=\"2eeb410\" 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\" 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