Deposit Account Change 2025: Tenants in Germany

When changing banks, many tenants ask how to correctly transfer the security deposit account and which deadlines and rights apply in Germany. This guide explains step by step what you as a tenant must do if the previous bank closes the deposit account or you seek a cheaper solution. You will learn which formal steps toward the landlord are necessary, how to ensure the security of the deposit during the transfer and which legal bases in the BGB and in court apply^[1][2]. We show concrete forms, deadlines and how to document receipts so that you are prepared in case of a dispute.

Deposit account when changing banks

If the bank changes or closes the established deposit account, it is important to inform the landlord and bank in writing. A special account issued with the rental agreement (escrow account or savings account with contractual binding) offers protection but should be checked when switching. Clarify whether the bank continues the deposit as a blocked account or a payout to the landlord is required; keep all account statements and the agreement in writing.

Key steps for tenants

• Inform the landlord in writing about the planned bank change and ask for confirmation.
• Ensure the new account is held as a deposit account and the deposit is booked.
• Document every transfer with account statement and transfer receipt.
• If in doubt, ask the local court or legal advice before agreeing to a payout.

Forms and evidence

There are no uniform nationwide templates for many steps, but useful samples such as a termination letter for bank accounts or a landlord confirmation for transferring the deposit exist. A sample termination letter from the Federal Ministry of Justice can help when ending contractual relationships; in disputes, court applications under the ZPO are possible^[2]. In the letter, state the account, balance and reference to the rental agreement and attach copies of relevant account statements.

FAQ

Who manages the deposit account after a bank change?

The deposit account generally remains the tenant's property; the bank manages it in trust; changes may only be made with the tenant's and often the landlord's consent.

Can the bank pay out the deposit without the landlord's consent?

No, a payout without written agreement with the landlord or a court order is generally impermissible; check documents and account type.

What deadlines apply when transferring the deposit?

There is no blanket deadline, but inform the landlord in good time in writing and document transfers; in case of disagreements the local court may decide.

How-To

1. Write a formal notice to the landlord about the bank change and request confirmation.
2. Open the new deposit account and transfer the deposit amount with purpose and rental agreement number.
3. Collect account statements, transfer receipts and the landlord's confirmation as evidence.
4. If the landlord objects, consider legal action at the local court and prepare documents.
5. If unsure, seek early free legal advice or consumer services.

Help & Support / Resources

• §§535–580a BGB — Gesetze im Internet
• ZPO — Zivilprozessordnung — Gesetze im Internet
• Bundesgerichtshof (BGH) — Decisions

1. [1] §§535–580a BGB — Gesetze im Internet
2. [2] ZPO — Zivilprozessordnung — Gesetze im Internet
3. [3] Bundesgerichtshof — Decisions