IC Financial Services S.A. Zweigniederlassung Heilbronn products, services and reviews

About IC Financial Services S.A. Zweigniederlassung Heilbronn

IC Financial Services S.A. Zweigniederlassung Heilbronn is the German branch of IC Financial Services S.A., a société anonyme, operating locally from Heilbronn as a registered branch of a foreign company. In Germany, such branches are recorded in the commercial register (Handelsregister) and, where they provide regulated banking, investment, or payment services, they operate under the authorisation of their home state with notification to the German authorities; conduct of business and local compliance fall within the remit of BaFin and, as applicable, the Deutsche Bundesbank. Whether client money or deposits are protected depends on the firm’s licensing and activity: coverage under a statutory deposit guarantee or investor compensation scheme applies only if the entity qualifies and is a member of the relevant scheme, which may be located in the home state for passported entities. Before engaging, customers should obtain and review the branch’s legal and regulatory disclosures (imprint with address and register details, supervisory authorities, permitted activities), full fee schedules, pre‑contractual information (for example, MiFID II costs and charges for investment services or PSD2 terms for payment services), and policies on the safeguarding and segregation of client assets. Cross‑border arrangements can affect governing law, dispute resolution forums, the language of contracts, and the applicable protection scheme, so these should be confirmed in writing. Practical considerations include verifying the Heilbronn contact details, hours or appointment requirements, and the names of authorised representatives responsible for the branch.