Your questions answered

What is giropay?

How does giropay work?
If you choose to pay with giropay in an online shop, you must select the bank where you hold your account. If you wish, we will note which bank you selected, and you won't have to repeat this process next time you make a payment with giropay. In the second step, you log in with your online banking credentials. After logging in successfully you will be shown the pre-filled giropay transfer form that already contains all details of the purchase. To make the payment, all you need to do now is enter a TAN. No TAN is required for amounts up to EUR 30. You are then returned to the online shop. The merchant has now received a payment guarantee and can send the goods to you immediately.

What do i have to do to be able to use giropay as a buyer?

Where can i pay with giropay?

Can customers of all banks pay with giropay?
giropay can be used for almost all online banking accounts in Germany. Our customer service team will be happy to tell you whether you can pay with giropay with your bank. You can call us on +49 (0)69 24 75 38 2211 or use our contact form.

How secure is payment with giropay?
giropay meets the high security requirements for online banking and always uses AES 256-bit encryption under TLS 1.2 for secure transmission. Make sure that the URL in your browser always starts with “https”, and check the issued certificate. That way, you can proceed safely. Further details can be found in our security information.

What happens to my personal data when i pay with giropay?
giropay is based on online banking. This means that you don't have to register with personal data or create a user profile. You simply use your existing credentials (PIN and TAN). Sensitive and personal data is exchanged between you and your bank only. No third party can view your personal account and transaction information. giropay transfers are therefore covered by data protection and the online banking terms of the respective bank, which can be viewed on the corresponding website of the respective bank.

Are there any costs for using giropay?

What can i do if the merchant says no money has been received?
Your successful giropay transfer is documented in the account statement of your current account. The account statement is regarded as legally binding proof of a successful transfer. If receipt of a payment is disputed, you can show the merchant definite proof of successful transfer in the form of the account statement. You are also welcome to contact our customer service team, who will be happy to help you.

What happens if the merchant fails to deliver despite confirmation of payment?
giropay has high expectations regarding the trustworthiness of connected merchants. If ever you do not receive your goods despite making a successful payment with giropay, please contact the merchant directly as your contract partner. Our customer service team will also be happy to assist you in your communication with the merchant. If you fail to reach agreement with the merchant, you are entitled to take legal action for non-fulfilment of the purchase agreement.

Does giropay offer buyer protection?

What tan processes does giropay support?

Why wasn't i given the option of tan-free payment even though the amount was below eur 30?

What is giropay-id?
With giropay-ID, you can confirm that you are 18 or over (age verification) or ensure that a merchant receives confirmation of your account details (account verification). This is easy, free and requires no extra registration. giropay ID is based on online banking with PIN and TAN. All you need to use it is an online banking account with a participating bank.

How does age verification with giropay-id work?
After choosing your principal bank, you are taken directly from the online shop to the online banking of your participating bank. Here, you log in as usual with your online banking credentials. After logging in successfully, you are shown a message stating that you want to prove to the online shop that you are 18 or over. To perform age verification, all you need to do now is enter a TAN. You will then receive confirmation that age verification was successful. At the same time, the online shop receives confirmation from your bank that you are 18 or over and it can grant you access.

How does account verification with giropay id work?
After choosing your principal bank, you are taken directly from the online shop to the online banking of your participating bank. Here, you log in as usual with your online banking credentials. After logging in successfully, you are shown a message stating that you want to prove your account details to the merchant. To perform account verification, all you need to do now is enter a TAN. You will then receive confirmation that account verification was successful. At the same time, the merchant receives notification of your account details.

Are there any costs for using giropay-id?

What do i have to do to be able to use giropay-id?

What personal data is transmitted for age verification with giropay-id?
