Deposit and withdrawal methods: Savings bank letter what now
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Savings bank letter what now
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Today I received a letter from the Sparkasse that I am suspected of illegal gambling under section 258.
I should also refrain from doing so immediately, otherwise my current account could be terminated without notice.
Question 1: What else can I expect? I will no longer use the savings bank for casino.
Question 2: I have opened a Revolut account and would like to use it. But an additional wallet would be even safer for me. What is the best method and how do you do it?
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Savings bank letter what now
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schmiiiddy
Hi Schmiiddy,
first of all, I could recommend this thread on the subject of "Letter, complaint & co.". More or less every question on comparable matters should already have been asked and answered there https://www.gamblejoe.com/forum/online-casinos/allgemeines/anzeige-wegen-unerlaubten-glucksspiel-285-stgb-214033/111/
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Savings bank letter what now
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It was my own fault that the letter came. Always deposited small equal amounts (20€) and sometimes paid out 20€. Always the same amounts.
The only thing that upsets me is that I've never had any trouble with the "authorities". Since then I feel like a serious criminal and I'm really afraid that the bank will pass this on to the authorities.
Or is this a "warning" from the savings bank along the lines of "so far and no further"?
I have often read that people make fun of you in some threads. Please refrain from doing so. Simply a realistic assessment or experience from others would be nice.
Have a nice week
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Savings bank letter what now
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Hi Schmiiidy, certainly nobody is making fun of you here. In the thread that Langhans has selected for you, you will actually find all the answers. In my personal opinion, the bank account is always terminated before a report is made to the police. They don't have to give a reason. You only receive notification of the termination and then later - which can take months - the police report arrives. However, as you have definitely only received a warning from your bank asking you to stop gambling immediately, I assume that this is just a shot across the bow. In this case, you would have been really lucky, which is to be hoped for. If I were you, I would keep calm and refrain from the transactions.
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Savings bank letter what now
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schmiiiddy
The topic is complex. Something can happen, but it doesn't have to. There are cases where something has happened and there are also cases where exactly nothing has happened.
So there is no 100% answer to your question or your case is not so easy to assess. We are not lawyers here. As a rule, nothing should happen to you, but we can't tell you that 100%. Your account may be terminated, you may receive a letter from the police or even criminal proceedings may be initiated. I have already seen proceedings initiated here even for €50.
I can only agree with Saphira: take it as a warning and stop any further depositors. If there are further consequences, then so be it and if not, then you've just been lucky again.
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Savings bank letter what now
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A friend of mine works at my bank and "looked" at my report for me once and wrote me the following, which is in my report:
"Hello Ms. (name of my advisor), the §261 StGB has been rewritten This leads to the elimination of the previous predicate offense catalog for suspected money laundering reports. Now, even the suspicion or simple criminal offense must be reported. This also includes participation in unauthorized gambling, especially if wins or proceeds are obtained from this. These are all direct or indirect incoming payments from gambling providers not licensed in Schleswig-Holstein and Saxony-Anhalt (The links to the lists of licensed providers are provided below.
The above-mentioned customer has attracted attention in this context. - a The following revenues are involved (not listed in the report)
Please send the attached letter promptly and send us a copy.
Dear XXXXXXX
we suspect that your current account with the number XXXXXXXXXXX is being used for participation in unauthorized gambling in accordance with §285 of the German Criminal Code. This constitutes good cause for termination without notice in accordance with section 26 (2) of our General Terms and Conditions. We therefore ask you to refrain from participating in unauthorized gambling immediately and for the future. Otherwise we will terminate your above-mentioned current account.
Yours sincerely,
Your savings bank
Please put the account under surveillance. If you do not notice any change in behavior within 14 days of receipt of the letter by the customer, hand over the exposure to XXXXXXXX Processing after consulting with us.
The submission will be generated and forwarded in the XXXX Center (instructions for sending the report).
With kind regards,
XXXXXXXX (Compliance Management)
- unauthorized gambling - letter sent with threat of termination. Account is now closely monitored."
_________________________________________________________________________________________
That was all that was in my "report" at the Sparkasse. What do you think? I'm so pumped. I've never received a report before and now the shock is very deep.
Nothing has happened since I received the letter. Today a payment was debited from the card that also has to do with the casino. However, I authorized the payment on 20.06.2025, i.e. one day before receiving the letter. I have already collected receipts for this from PayPal (unfortunately it was a Paypal debit card). Since receiving the letter, however, I have not touched anything concerning online casino with Sparkasse. Neither Paypal nor Sparkasse
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Savings bank letter what now
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For you, of course, the situation is currently anything but relaxed, but for those reading here and your now internal source of information, it's almost like a spy thriller. I've never been through it myself, I don't work for a bank, a public prosecutor or a lawyer, but this one passage with the "Please put the account under surveillance. If you do not notice any change in behavior within 14 days of receipt of the letter by the customer, please hand over the engagement to XXXXXXXX processing after consultation with us." confirms, at least for me, the suspicion already expressed by the others that nothing has happened so far. Your account is under increased observation and the next time you make a transaction you would be due to be reported. You are effectively on probation with the bank.
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Savings bank letter what now
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Saphira
Stay relaxed. They have warned you and if you keep depositing, your account will be gone. It's not gone yet.
I think they left it at a warning due to the lower amounts. But of course I can't say for sure, it's just my guess.
If you still receive the notice in the future, it's not so bad. You will be informed in good time. You can look for a new account and your banking transactions are not at risk. As I said, it doesn't always have to happen.
Even if you do have to press charges or something else, the amounts involved are small. Such proceedings are usually discontinued due to the amount involved. It's not worth it for them to go to such lengths for a few hundred euros. The important thing is that you don't incriminate yourself or spend unnecessary money on a lawyer.
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Savings bank letter what now
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Maybe it's because of your girlfriend, who works at this bank, that there was only a warning at first and no tougher action was taken immediately?
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Savings bank letter what now
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She has no influence on that. She no longer works as a bank clerk but does something to do with media management.
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Savings bank letter what now
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Saphira
I had a phone call with my counselor today at my request. I described the situation to her and told her that this will no longer happen. When I asked her, she explained that my account would now be checked as described above (she didn't tell me how long this would take, as I have the 14-day information from Intern). And if nothing happens in the future, she said everything will remain in the green zone.
She also said that "as a rule" the savings bank does not take any legal action. And in my case, she also said that there would be no complaint or report as long as it never happens again.
She said that the compliance department takes care of this, but as she is my advisor, everything goes through her beforehand if anything happens.
I think I've been very lucky again in my case. Of course I don't feel 100% sure, but I'm definitely reassured for now. Hopefully she hasn't lied to me haha.
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Savings bank letter what now
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schmiiiddy
I'm delighted!
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Savings bank letter what now
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schmiiiddy
I've also paid in and out a lot via the bank and if I received a warning like that, I certainly wouldn't use this method again.
I wish you all the best.
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Savings bank letter what now
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Where do you read that from? I understand the note from the savings bank quite differently ...
The lady was informed that she has to report it or that it has been reported. Or do you think someone at the bank is risking their job or making themselves or the bank liable (possibly even criminally) for complicity/negligence?
However, you are absolutely right about account monitoring and possible termination in the event of a repeat offense. But one has nothing to do with the other, two different jobs.
At least that's how I understand the letter 🤷
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@Schmiddy I keep my fingers crossed that I'm wrong and nothing more will come, but I doubt it....
Regarding this compliance department and your phone call with the counselor, you can't give anything that you don't know has happened:
"Compliance is independent of other departments of Bank and not subject to instructions. The Compliance system includes, in particular, guidelines and mechanisms for dealing with conflicts of interest, preventing insider trading and preventing money laundering and terrorist financing."
Your advisor can tell you anything else, keep your fingers crossed, but it CAN happen that something else comes up, your advisor simply doesn't know, just tell in case something comes up, you won't be caught out of the blue by someone 🔨, more important is that you have access to your money and account and it is not blocked first, the rest will show time.
And if you receive mail from the police, ignore the appointment and don't cancel , the appointment only serves to incriminate yourself, so stay cool even if it's hard. You don't need to hire a lawyer for the time being, it's unnecessary at that point, they only have the suspicious activity report and the amounts, that's the entire investigation file, as it's difficult for them to prove that you acted with intent, if the proceedings are discontinued, you won't need a lawyer until you receive a letter from the public prosecutor's office with the indictment, before that it's simply a waste of money.
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Savings bank letter what now
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Dear XXXXXXX
we suspect that your current account with the number XXXXXXXXXXX is being used for participation in unauthorized gambling in accordance with §285 of the German Criminal Code. This constitutes good cause for termination without notice in accordance with section 26 (2) of our General Terms and Conditions. We therefore ask you to refrain from participating in unauthorized gambling immediately and for the future. Otherwise we will terminate your above-mentioned current account.
Yours sincerely,
Your savings bank
It says so ^^
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