Online registration process for post-graduate studies: Creating an account digitally
In the digital age, identity verification is a crucial step in many online transactions, such as opening a savings account or switching to a new mobile provider. Two common methods for identity verification in Germany are the traditional Postident procedure and the digital IDnow eID process.
The Postident Procedure
The Postident procedure, carried out through a Deutsche Post office, involves several steps. First, you print and sign an application form, send it to the bank along with a Postident coupon. Your ID data is then transferred and authenticated by a postal employee. This method is required for online contract conclusions and is necessary due to the requirements of the Anti-Money Laundering Act.
For a more digital approach, Deutsche Post offers a Postident app for Android, which allows identity verification via smartphone but does not directly involve the eID function.
The IDnow eID Process
For those seeking a digital alternative with their smartphone, the IDnow eID process might be the solution. To use this method, ensure your smartphone is NFC-enabled and download the IDnow Online Ident app. The identity verification process is simple: use your German electronic ID card with the NFC-enabled smartphone acting as a card reader, and the app will securely transmit the encrypted data from your eID. The process is quick and eliminates the need for a video chat, unlike IDnow's VideoIdent method.
Comparing the Two Methods
While the IDnow eID process offers a digital verification experience similar to PostIdent, it is not a direct PostIdent method. If you specifically need to use the eID function for PostIdent, it might not be directly supported by the PostIdent app, but you can explore IDnow's eID feature for similar digital verification purposes.
The Postident procedure can be completed through four ways: via video chat (Videoident procedure), online with ID and the eID function, offline at a post office, or via photo. Each method caters to different preferences and circumstances, providing flexibility in the identity verification process.
In Germany, an account without identity verification is legally not possible. However, a creditworthiness check via SCHUFA is not required for some checking accounts. Consumer advocates advise against accounts that can be opened without checking creditworthiness due to the risk of encountering unscrupulous providers.
After successful online validation in the photo identification process, you can use the service of your contractual partner. The Postident procedure is used for verifying personal details before opening a savings account, fixed-term deposit, or current account.
It's important to note that not every post office can perform the Postident procedure, with many partner branches located in shops or supermarkets not having this option. Additionally, the Postident procedure is free of charge for the customer. The Deutsche Post and other specialized service providers have taken over the Postident procedure, ensuring its availability to the public.
In conclusion, both the Postident and IDnow eID methods provide effective solutions for identity verification in Germany. The choice between the two depends on your preference for digital or traditional methods, as well as the specific requirements of the service you wish to use.
Personal-finance matters often require identity verification in online transactions, such as opening a savings account or switching to a new mobile provider. The Postident procedure, a traditional method for identity verification in Germany, can be executed through various means, including at a Deutsche Post office or via the Postident app on an Android device. On the other hand, the IDnow eID process offers a digital alternative for smartphone users, allowing for fast identity verification using an NFC-enabled smartphone and a German electronic ID card.
