StandardTransaktionskonto
StandardTransaktionskonto is a term used in German‑speaking banking to describe a standard transactional bank account designed for everyday financial operations. It is typically used by private customers to manage income, expenses and payments, and provides access to basic payment services such as deposits, withdrawals, transfers, direct debits and card payments.
Key features include a unique IBAN and BIC, online and mobile banking, the ability to receive salary
In many jurisdictions the StandardTransaktionskonto is designed for everyday use and differs from savings or investment
Regulatory context: In the EU, payment services directives govern the provision of payment accounts and access
Security: Accounts are protected by authentication measures (PIN, TANs, 2FA) and encryption; customers should monitor transactions