In comparison, you will find serious offers of current accounts without credit bureau.The deciding factor for the cancellation is usually a negative credit bureau entry – despite the voluntary commitment of the banks to set up at least one current account on a loan basis for each interested party. Current account incl. Debit card without credit bureau desired? It is not so easy today to open an account with a bank in certain life situations, but there is the possibility to open a credit bureau-free account. You can set up a checking account here despite credit bureau. http://cocinaconcarmen.com has more details

What our clientele says

What our clientele says

Without a current account, it is almost impossible to participate in the business cycle. But who opens a bank account, be it at a bank branch or a direct provider, is confronted with the credit bureau clause. 2. Thus, the house bank can check the creditworthiness of the borrower at the credit bureau Group and provide information.

In the case of a negative booking by credit bureau, banks usually refuse to open a proper account with overdrafts. However, as of 2016 they will need to set up a master account (a credit line without a credit line) in this case. A checking account is usually accompanied by two types of loans. On the one hand, it is an overdraft facility, on the other hand it is an indirect lending facility through the use of a debit card.

If there is no credit on the account at the time of payment, a loan will be paid out.

If there is no credit on the account at the time of payment, a loan will be paid out.

Because lending with a poor credit bureau score is usually not possible, setting up a traditional current account with a line of credit is not required in this case. If a conventional checking account is not set up or the applicant does not want credit bureau information, a so-called credit account is still available.

Until 2016, there was no legal obligation to provide customers with a credit account. 2. For example, the Sparkasse offers a credit account with the Bürger account, which contains a debit card. From 2016, however, all credit institutions holding ordinary bank accounts will need to set up a basic account upon request.

Not only in the case of a negative entry of the credit bureau consumers have a right to this current account. But beware: The cost of a credit account may differ from the cost of a normal bank account. In order to open a current account without credit bureau, the holder of the bank account must announce that he is not to be granted an overdraft facility and that he / she does not have a class.

However, because the direct bank does not have its own ATM, the question arises as to how a customer can place a cash position in this case. Before use, the prepaid credit card is loaded with credit and is then available without restriction. If you don’t want the credit bureau request or you are showing a poor credit rating for a while, you don’t have to rely on the service and the advantages of current accounts.

However, they allow all the essential functions of conventional current accounts – debit and bank transfer, ATM deposit and withdrawal, and the use of credit cards. Even the current account without credit bureau can be registered as an online account.