Capital deposit account
The capital deposit account (Kapitaleinzahlungskonto) – also called a blocked account (Sperrkonto) – is a fixed part of every GmbH and AG formation. It proves to the notary that your capital really exists. Good to know: it is only a stopover – after the entry, it becomes your normal business account.
What the blocked account is for
You pay the share capital into it before formation; the bank issues the capital deposit confirmation that the notary needs. This proves that the capital actually exists – a safeguard against sham formations.
How it works
Open an account with a bank, pay in the capital, receive the confirmation. During this phase the money is blocked – you can neither withdraw nor use it. Tip: some banks charge a fee for the blocked account; comparing is worthwhile.
Release after the entry
As soon as the company is entered in the commercial register (Handelsregister), the account is released and converted into a normal business account. The capital is then fully available for operations. planix guides you through opening the account, paying in and the release – free of charge.
Frequently asked questions
What is a capital deposit account?
A blocked account into which you pay the formation capital. The bank confirms the payment; after the entry in the commercial register, the money is released.
When is the capital released?
When the company is entered in the commercial register. After that it is available as working capital – it was never “gone”.
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