Deutsche Handelsbank AG products, services and reviews

About Deutsche Handelsbank AG

Deutsche Handelsbank AG is a privately held German commercial bank organized as a stock corporation and licensed under the German Banking Act, supervised by the Federal Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank. The institution focuses on corporate banking rather than retail, serving SMEs, e‑commerce merchants, marketplaces, and fintech-related businesses with business current accounts, payment processing (SEPA and international transfers via SWIFT), and working capital solutions such as receivables finance. Distribution is direct and digital, with no conventional branch network; onboarding is based on corporate documentation and enhanced know‑your‑customer and anti‑money‑laundering checks, and access is provided through online banking and relationship management. Deposits are covered by Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to EUR 100,000 per depositor; amounts above that threshold are not protected by the statutory scheme. Pricing is not positioned as a mass-market tariff; account maintenance, payment transactions, and ancillary services are typically charged on a usage and volume basis and may be contract-specific. Cash handling and consumer products are not a core offering. The bank discloses annual financial statements in the Bundesanzeiger; it is not broadly rated by major credit rating agencies, so counterparties generally rely on statutory supervision, audited reports, and contractual safeguards. In recent years, the business mix has leaned toward payment accounts and services for digital businesses, and the client acceptance policy reflects heightened compliance expectations in higher-risk sectors.