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by Setok
4949 days ago
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On Holvi: we completely replace traditional banks. So we do not just interface with your existing bank, we actually offer you a whole new type of current account. It is thus not merely an app, but a new banking service. One with, yes, integrated accounting and other things. "You fill out the form, print it out, sign it, go to the post office with your ID, the post-person will check if your ID matches the form and send it to the bank.Few days later you will get your cards and passwords and are ready to go." — I'm not exactly sure I'd call that a nice process :-) |
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The good news is that germany started issuing ID-cards with RFID, that can be loaded with a certificate, that will enable you to digitally sign contracts and identify yourself, so the trip to the post-office will no longer be necessary.
On your Project: With upcoming SEPA payments it will not matter anymore where your bank is registered, since transaction times and fees will be the same for all transactions within europe. So just register yourself as/partner with a bank in a european country that offers the most favorable banking-laws/ banking infrastructure/ whatever. In regard of germans, they really want to know that their money is "safe". Especially now in the euro-crisis, so make sure that the depot insurance of the country of your choice is of a comparable quality to the german system. (And maybe dont settle for a PIIGS state, as germans have a strong distrust in banks and politicians in those countries)