DZB Bank GmbH products, services and reviews

About DZB Bank GmbH

DZB BANK GmbH is a Germany-based credit institution that focuses on B2B services for trade associations, buying groups, retailers, and their suppliers, with a core in central settlement (Zentralregulierung), del credere/payment guarantees, receivables management, and factoring. The bank operates under a German banking license and is supervised by BaFin and the Deutsche Bundesbank; eligible client deposits are covered by Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the legal limits. Business activities center on processing and securing payments between members of retail cooperatives and vendors, providing purchase and sales financing, managing supplier risk, and offering standard payment services such as SEPA transfers and direct debits. Distribution is direct and partner-driven rather than branch-based, with service delivery via online portals and file-based interfaces for invoicing and settlement data. Pricing and limits are contract-specific and depend on transaction volumes, credit profiles, and sector risk. The bank does not position itself as a universal retail bank; products are tailored to commercial flows in non-food consumer goods supply chains and related segments. As a private limited company (GmbH), it is not listed and publishes statutory financial statements in Germany’s company registers. Key constraints include product breadth outside its niche and exposure to sector-specific and counterparty risks inherent in trade financing and central settlement models.