This site uses cookies

This allows the website to be continually improved. By continuing, you agree to the use of cookies in accordance with our privacy policy zu.

Cookie settings


Necessary cookies make a website usable by enabling basic functions (such as page navigation) and access to secure areas. Without these cookies, the site will not work properly.

Name Purpose
JSESSIONID Session cookie to log into the online banking area.
refCookie Used for internal reports to determine the origin of new customers through partner websites.
MATOMO_SESSID Temporary session cookie to use the Matomo iframe opt-out method.

Analysis cookies provide information on how visitors interact with a web page (for example, average time on the site). The information is exclusively anonymously collected.

Marketing cookies are used to display website ads that are relevant to visitors and are specifically appealing to them. The advertisements are tailored to each visitor.

Name Purpose
fr Used by Facebook to measure the success of advertisements in new customer acquisition.
_fbp Used by Facebook to deliver different advertisement products.

Cookies are small text files used by web pages to provide functions of a website or to make the user experience more efficient. By law, cookies that are mandatory for the use of a page may be stored on devices without additional consent.

All other cookie types are only set upon consent. The consent can be revoked at any time on the website or in the browser settings.

Please see our Privacy Policy for more information on the cookies used on this site.

SEPA-enabled Onlinekonto

Whether as a business or private account: you can always carry out SEPA transfers and direct debits. What makes it possible is an own IBAN and BIC.

Account information »

Onlinekonto without Schufa credit rating

Opening a Onlinekonto does not trigger a Schufa or any solvency screening. It takes only a few steps to open a business and or private account.

Account information »

Best service for you

Have questions?
We are glad to help you.

Save money now!

Here you can find cheaper tariffs
for electricity, gas, communication and insurance


Secure thanks to our partner petaFuel

PCI seal TÜV

E-Money Institute

© 2020 PayCenter GmbH

Imprint - Legal notices - News

Features of your new Onlinekonto

The Onlinekonto of PayCenter provides a personal, SEPA-capable banking account for monetary transactions. Money transfers and direct debits work without any restrictions. You can set up and manage scheduled transfers and standing orders.

The free online access provides central management of all business and private accounts. The HBCI-connection allows multibanking using the appropriate software.

Accounts for business owners and private customers

Businesses, self-employed persons, freelancers and private customers of full age can open a Onlinekonto. PayCenter does not segregate. Whether for business or private purposes, the Onlinekonto is fair, flexible and powerful.

Account holder or holder of a debit Mastercard is the applicant - the business, the private customer, the freelancer - You! Authorisations to third parties or partner cards are prohibited, but you can open as many Onlinekonto accounts as you consider necessary.

Note: The maximum account balance is limited to 15.000 Euro.

Onlinekonto with seizure protection

Private customer are given the option to transform their Onlinekonto into a seizure protection account (P-Konto). This process does not trigger a Schufa credit rating enquiry or entry by PayCenter. This additional services comes free of charge. The debit Mastercard remains completely active and usable (Cash withdrawals, payments)

The P-Konto protects the statutory minimum amount from seizures. This amount can be increased by maintenance obligations etc.