Your questions answered

giropay is based on online banking using PIN and TAN, and enables payment by online transfer. To pay with giropay, all you need is a current account with access to online banking. You don't have to register with your bank to use giropay.

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.

To be able to pay with giropay, you just need an online banking account and the corresponding credentials such as PIN or TAN. No additional registration is required for giropay.

Lots of online shops offer giropay, including Lufthansa, Deutsche Post/DHL and CTS Eventim.

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)721 47666 3544 or use our contact form.

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.

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.

As a customer, you can use giropay for free. Please ask your bank whether it charges additional account-management fees for the use of giropay.

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.

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.

No, giropay does not offer buyer protection. In the event of problems with giropay payments, please contact our customer service team.

giropay supports every TAN process offered to you by your bank.

It is up to the account-managing bank to decide whether to offer TAN-free payment. It decides whether and when a TAN should be applied to a giropay payment. This is for your own security and increases protection against misuse.

At present, giropay can be used with the PIN-TAN method only. Unfortunately, giropay does not yet support the HBCI chip card.

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.

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.

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.

Regardless of whether you use giropay-ID for age verification or account verification, there is no cost to you, i.e. your bank charges no extra fees if you use giropay-ID.

To use giropay-ID, you need an online banking account with a bank that participates in giropay-ID. No extra registration or logging in is required.

For age verification with giropay ID, the only details transmitted are your first name, surname and whether you are 18 or over. Your date of birth and other personal data are not passed on to the merchant.

For account verification with giropay-ID, your IBAN and BIC and the name of the account holder are passed on to the merchant. Account balances and account transactions of course remain confidential and are not passed on.

The aim is for all banks to offer giropay-ID as well. However, unfortunately there may be some banks that offer giropay, but not giropay-ID.