BNP Paribas S.A. Niederlassung Deutschland products, services and reviews

About BNP Paribas S.A. Niederlassung Deutschland

BNP Paribas S.A. Niederlassung Deutschland is the German branch of BNP Paribas S.A., Paris, operating under the EU single passport with its registered office in Frankfurt am Main; it serves corporate, institutional, and retail clients in Germany through business lines that include corporate and institutional banking (cash management, trade finance, lending, markets), securities services (custody, clearing, and fund-related services), and consumer finance and retail offerings provided under group brands such as Consorsbank (retail banking and brokerage), DAB BNP Paribas (B2B transaction banking for financial intermediaries), and Consors Finanz (installment loans, point-of-sale financing, and credit cards), with delivery largely via digital channels rather than a dense branch network. The branch is subject to prudential supervision at group level by the European Central Bank in the Single Supervisory Mechanism and by the French ACPR, while BaFin and the Deutsche Bundesbank oversee conduct and certain local activities; applicable frameworks include CRR/CRD, MiFID II, PSD2, and German consumer protection and AML rules. As a branch of a French bank, statutory deposit protection is provided by the French Fonds de Garantie des Dépôts et de Résolution (FGDR) up to EUR 100,000 per depositor per institution, and investment services are subject to the French investor compensation framework; financial instruments held in custody are generally segregated from the bank’s own assets in line with law and contract, though operational and legal arrangements determine outcomes in a failure scenario. Accounts and payments operate on SEPA rails; onboarding typically follows German KYC standards (e.g., video or post identification); pricing, fees, and interest conditions are set per product and disclosed in the respective schedules. Financial results of the German branch are consolidated into the BNP Paribas Group, which is designated as a global systemically important bank and carries public credit ratings at the parent level from major agencies; ratings and outlooks may change. Customer complaints can be submitted to the bank and, if unresolved, to BaFin or via cross‑border mechanisms such as FIN-NET where applicable; data processing follows GDPR requirements. Product suitability and risk depend on the client profile and the specific service used, and complex or market-linked products involve market, liquidity, and counterparty risk as outlined in the bank’s disclosures.