Account Information Service

Secure technologies for your banking and reliable payment solutions. For you and your customers. All as a full-service provider.
Contact us
Open Banking Services
PSD2 SaaS solutions and certificates

Open banking continues to revolutionize established banking business models. The obligation for banks to open their systems to requests from third parties (PSD2 third-party service interface, PSD2 passive) creates new opportunities for customer-centric banking products, but simultaneously increases the demands on the security and added value of these services.

 

PSD2 (Passive) Third-party service interface

Accessibility for Third-Party Providers: We offer our clients a comprehensive service for handling TPP requests under PSD2, including the necessary security measures for rejecting blocked TPPs and consent management for the respective bank's customers. Existing system components such as limit checks and fraud management are, of course, also available as part of the PSD2 services.

 

PSD2 website and seal certificates

With our PSD2 certificates, third-party providers can access bank customers' accounts via the PSD2 interface in accordance with legal requirements. This allows them to meet the requirements of the Regulatory Technical Standards (RTS, Article 34) for secure customer authentication and communication.

BIC picker & IBAN converter
IBAN determination and BIC picker made easy

Banks are required to automatically determine the correct BIC from the IBAN and use it for further payment processing. To enable your financial institution or company to implement this requirement efficiently and securely, we offer tailored solutions for automated BIC determination – for all common IT platforms such as COBOL, Java, and .NET.

Our service IBAN converter also allows you to integrate BIC determination directly into your existing systems and business processes – quickly, reliably and without additional effort.

  • IBAN determination: Generating IBAN and BIC from bank code and account number
  • IBAN validation: Checking an IBAN using the IBAN check digit, the bank code part, and the account number part.
  • BIC determination: Deriving the BIC from the bank code and IBAN
  • IBAN decomposition: Separation of an IBAN into bank code and account number
  • Determining the bank name: Extracting the bank name from the bank code or IBAN
Account Evidence Center
Automated retrieval of account information

Security is paramount for you – and for us as well. Especially when it comes to sensitive account information, a reliable and legally compliant solution is essential.

For our German customers: According to Section 24c of the German Banking Act (KWG), all credit institutions in Europe are obligated to maintain an up-to-date database of accounts and securities accounts for automated retrieval by government agencies. The aim is to effectively combat terrorist financing, money laundering, and illegal financial transactions.

Since 2003, we have operated a central retrieval point: the Account Data Registry. Approximately 130 banks in Germany use our service to reliably fulfill their obligations under Section 24c KWG. Our solution ensures that account master data is always up-to-date, highly available, and fail-safe for retrieval by BaFin (the Federal Financial Supervisory Authority) and the Federal Central Tax Office.

With the Account Data Registry, you efficiently meet your legal obligations. The data interface integrates seamlessly into your existing system landscape, allowing you to rely on a proven and secure infrastructure with minimal effort. Put your trust in our many years of expertise and make the account evidence center an integral part of your compliance processes.

Flexible update

with approximately 150,000 changes per day

High availability, safety and elasticity

through its own data center

High response rate

of an average of 25 seconds

Compliance with all regulatory requirements

for certified data queries by authorities

Regular audits by external auditors

e.g. auditing and consulting company for the credit sector mbH, data center infrastructure by TÜV-IT and BaFin

Continuous adaptation of processes

Fulfillment of the requirements and working methods of BaFin/BZSt.

The G+D Netcetera Email Newsletter

Latest updates and news in your inbox

Subscribe now

Talk to our experts

More information about G+D Netcetera's Privacy Policy
More information about Marketing Communications

Latest Insights

The Friendly Fraud Problem
Article Fraud Prevention Secure payments

The Friendly Fraud Problem

First-party misuse is now the world’s leading type of fraud, yet it is almost impossible to spot at checkout. Discover why friendly fraud is rising, what it costs the payments industry, and how better data sharing could help distinguish genuine disputes from deliberate abuse.