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It happens in Germany/ Money remains ownerless, 4.2 BILLION EUROS do not belong to "anyone" in the banks!

2025-09-20 10:34:13Kosova&Bota SHKRUAR NGA REDAKSIA VOX
It happens in Germany/ Money remains ownerless, 4.2 BILLION EUROS do not belong
Germany

Billions deposited in so-called inactive or forgotten accounts can be found in Germany.

According to an analysis conducted by order of the Ministry of Education and Research, it turns out that up to 4.2 billion euros are forgotten in German banks.

Economics professor Christian Klein from the University of Kassel told Deutsche Welle that an analysis has been done by experts and in most cases it turns out that " the account owner is probably dead and has no heirs, or the account is not registered in the documents at all ."

"It could also be that it is illegal funds, black money, drug money, so the owners could be happy that the money has been forgotten,"  he further said.

An account is considered forgotten when banks fail to establish contact with the owner for years.

"Permanently inactive accounts are subject to an extensive, multi-stage verification and notification process. It is important for us to do everything in our power to find the account owner or authorized person,"  Sparda Bank Hessen says.

If there is still no contact, most banks close the account after 30 years. But, for example, if someone contacts them after 45 years and asks for the money, the bank is obligated to return it.

" I have the impression that most banks are uncomfortable with this. Money is forgotten, that's how it is, and it's uncomfortable to think that the bank simply appropriates it ," Professor Klein continues.

Thorsten Haese, legal director of the German Banking Association, which represents private banks, knows why financial institutions prefer not to comment on this.

" In our opinion, this is simply not a problem. It is natural that sometimes contact with the client is lost and what follows is clearly defined. That is why there is no need for discussion on our part ," he explained.

Of the approximately 110 million current accounts in Germany, more than 70 percent are now managed online. For heirs who suspect that undisclosed funds still exist somewhere, the Banking Association offers a free account search service.

" If someone contacts us, we expect there to be at least some indication that there are unknown assets. Anyone who has reasonable suspicion that there are undisclosed assets can contact us and we will forward the request to our member banks, " says Sparda Bank's Legal Director, Haese.

The banking association receives about 1,000 such requests per year and their number is constantly increasing./ DeutscheWelle


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