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Online identity verification

Online authentication – simple, quick and secure

Verifying your identity can be easy – with your Sparkasse's digital identification procedures. Many banking transactions and contracts require identity verification. For example, when opening a checking account. And now you can do this conveniently from home or on the go.

Verify your identity online – quickly, easily, and securely.

eID-Service

With the eID service

Identify electronically with the eID

This allows you to confirm your identity securely online using your German identity card, your electronic residence permit, or your eID card.

All you need is your smartphone and an app. You will be guided through the process step by step. It takes about 2 to 3 minutes and is free of charge.

Your advantages

  • Available 24/7
  • without waiting time
  • usable from anywhere
  • safe and easy
  • completely digital

Effective protection for your data

These four features reliably protect your data:

  • Only those who have your ID document and know your personal identification number (PIN) can use the online ID.
  • Your data is only transmitted when the ID document is connected to the smartphone and only after the PIN has been entered.
  • The person you are identifying yourself to must have a valid government certificate to query the data.
  • The data is always transmitted in encrypted form.

This is what you need to identify yourself online with your smartphone

Activated online ID

The online ID function of your identity card or electronic residence permit must be activated. This is automatically the case for eID cards and all identity cards issued after July 2017.

Self-selected, six-digit ID PIN

You will need to know your chosen six-digit PIN or your transport PIN. You must change the transport PIN to a six-digit PIN of your choice before using the online ID function for the first time.

If you do not know your ID PIN, please contact the relevant authority. You will be issued with a new ID PIN.

App for reading the eID

To verify your identity using eID on your smartphone, you will need either the AusweisApp or the AUTHADA app. During the process, you will automatically be prompted to download the appropriate app. Once you have downloaded the app and opened it on your smartphone, you can then electronically read the data on your ID card.

NFC-enabled smartphone

To identify yourself online, you must read your activated online ID card with a suitable NFC-enabled smartphone.

Which identification documents can I use to identify myself?

To complete the identification process, you will need your German identity card (check card format), an electronic residence permit, or your EU citizen card and the corresponding secret PIN. The online ID function must be activated on the ID card you use.

What is the ID or transport PIN?

The transport PIN is a five-digit PIN. You will receive this by post after applying for a new identity card, residence permit, or eID card. It is a five-digit number that you must change to a six-digit PIN of your choice before using the online ID function for the first time. You can do this in the ID card app under “Change my (transport) PIN.”

The six-digit PIN is a sequence of numbers that you assign yourself and that protects your data from misuse. This is because you have to enter the six-digit PIN every time you want to identify yourself digitally with your ID card.

How do I know if the online ID function of my ID card is activated?

The German ID card in credit card format has been issued since November 1, 2010. If you have already assigned a PIN at the citizens' office or received a PIN letter by mail, your ID card is ready for online use.

If this is not the case, please contact your local authority to activate the online ID function free of charge.

I forgot my PIN. What can I do?

For successful identification you need your six-digit PIN. If you have forgotten your PIN, please contact your local authority. There you can set a new PIN.

Why do I need an NFC-capable device?

NFC stands for Near Field Communication and is an international transmission standard for wireless data exchange over short distances. The identity card and the electronic residence permit contain an NFC chip on which your data is stored. Your NFC-enabled device acts as a reader and transmits the data via an encrypted channel to a competent verification authority. On most devices, the NFC interface is located on the back in the middle to upper area.

I can't find the NFC interface. What can I do?

First, make sure that NFC is enabled on your device and remove any protective cover. On most devices, the NFC interface is located on the back in the middle (Android devices) or upper part (iOS devices). First, try holding the ID document upright against the back of your device so that the ID and smartphone are touching, and make sure that the ID is held completely still. If the device does not respond, try holding the ID document flat against the back. If there is no response after a few seconds, briefly remove the ID document from the back of the device and hold the card against it again. To find the optimal position for reading the ID card, try different positions in small steps.

If the device still does not respond, please refer to your user manual to find out exactly where the NFC interface is located.

If you have any questions about online authentication, your advisor will be happy to help you.

Online identity verification

With online identity verification

Personal authentication via video chat

An identification specialist will accompany you personally through the entire identification process in just a few minutes via a video connection.

All you need is your valid identification document and a smartphone or tablet with the IDnow online identification app installed.

Your advantages

  • usable from anywhere
  • safe and easy
  • ID cards and passports from numerous countries are supported
  • personal contact with identification specialists

Tips for getting things done quickly
To ensure identification as easy as possible, please note the following information:

  • Have your ID card or passport ready and check whether it is still valid.
  • Install the IDnow online identification app on your smartphone or tablet.
  • Go to a quiet and well-lit place.
  • Make sure you have a stable internet connection and sufficient battery charge.
  • Make sure there are no personal items (e.g. family photos) in the background.
How does identification via Video-Ident work?

After you have installed the IDnow Online-Ident app and started the process, identification takes place via video chat between you and an employee of S-Markt & Mehrwert GmbH & Co. KG. The conversation lasts around five to eight minutes. During the video connection, the employee asks you to hold your ID document up to the camera and tilt it to see data and security features. Your conversation partner checks the data and saves photos. The entire video chat is recorded (audio and visual). Finally, you will receive an identification code via SMS on your mobile phone.

What do I need for identification?

For identification via Video-Ident you only need:

  • a valid identification document
  • a smartphone or tablet with the IDnow online identification app installed
  • Mobile phone for receiving an SMS
Which identification documents can I use to identify myself?

To use Video-Ident you need a valid ID card or passport issued in your name. A variety of modern identification documents are supported.

When is Video-Ident available?

You can use Video-Ident during the following service times:

Mon-Fri: 8:00 a.m. - 10:30 p.m
Sat/Sun/Holidays: 10:00 a.m. - 10:00 p.m

Is the identification secure?

For the technical implementation of video identification, S-Markt & Mehrwert GmbH & Co. KG cooperates with the IT system provider IDnow GmbH, Auenstraße 100, 80469 Munich. IDnow relies on the highest technical security standards. S-Markt & Mehrwert GmbH & Co. KG only uses employees who have been specially trained in accordance with legal requirements for identification.
All data is encrypted multiple times and always transmitted securely. Storage takes place exclusively in highly secure bank data centers within Germany.

If you have any questions about online authentication, your advisor will be happy to help you.

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