New rules for transfers: Avoid fraud and save money!

New rules for transfers: Avoid fraud and save money!

From October 9, 2025, new rules apply to transfers in Germany. Banks are obliged to carry out a recipient check to prevent incorrect transfers and fraud, especially by phishing criminals. This measure is particularly important because money can quickly end up on false accounts in real time transfers in real time, which makes it significantly more difficult to return. As Ruhr24 , there is a warning to the customer when deviations between the recipient name and the Iban issued.

Consumer protection officers also advise to set a maximum amount for transfers in real time. This is intended to help minimize financial losses. The Lower Saxony Consumer Center also provides information about these upcoming changes in the banking system. In addition, Bafin plans to provide a website that will offer an overview of the costs and services of checking accounts in Germany.

important security measures

The complete security of online banking also depends on the users themselves. A sensitive handling of account details is essential. According to bafin Banks only refund if the customer duties are adhered to. The bank is not liable for grossly negligent or willful behavior. In the event of a fraud, customers should block their payment cards and online banking access immediately, which can be done either via the bank or the blocking emergency call 116 116.

online security risks

Online banking offers many advantages, but also opens up security risks, since criminals often try to get sensitive information such as pins, passwords and tan using phishing. Wie das BSI explains that fraudsters send fake emails that are similar to the official communications of banks in order to tempt users to enter their access data. Users should therefore be particularly vigilant and never enter their access data in digital messages.

Another point that users should keep in mind are fake shops that operate fake online stores and offer too low prices without actually delivering goods. Security in online banking and online shopping can be significantly increased by regular reviews of the accounts and avoiding suspicious links.