CosmosDirekt requires you to provide a German IBAN

The first entry in the IBAN Discrimination Hall of Shame is CosmosDirekt. CosmosDirekt is a German insurance company offering products from liability insurance to car and life insurance.

As of July 2016, CosmosDirekt forces the user to provide a German IBAN using bad UI design. See for yourself:


Screenshot of “Update your bank details”-page.

I actually failed to update my bank account details three times, because I did not notice the DE not being part of the input field – just copy and pasting your IBAN will always lead to an error (because it is then DEDE0000000).

This is in clear violation of article 9-2 of EU regulation No 924/2009:

A payee accepting a credit transfer or using a direct debit to collect funds from a payer holding a payment account located within the Union shall not specify the Member State in which that payment account is to be located, provided that the payment account is reachable in accordance with Article 3.

If you also have found violations of article 9, please consider contacting me about it.

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