Achieving goals together

Since 1979 we have been supporting associations, retailers and suppliers in all questions of payment processing, risk protection, credit assessment and all other bank-specific services.

More efficiency through central settlement - advantages for all participants

We relieve your resources, create planning security, expand your scope of action and support you in strategic decisions through reliable reporting.


We pay all invoices guaranteed in first condition - no matter how the retailer pays!

On time

Suppliers receive payments from us in first condition - we create planning and budgeting security.


Save on debt collection and dunning procedures and reduce your costs for bookkeeping and accounting - through centralising invoice processing!


With our service package you will not incur any costs for trade credit insurance and credit assessment; in addition, we archive all documents in accordance with legal requirements!


We currently have customers in 18 European countries - certainly also in your target country!


You receive our central settlement statements completely digitally in your personal DZB Portal. 100% paper-free and environmentally friendly.

It works as simple as this

Retailer - Supplier

A retailer orders from his supplier and receives a delivery of goods. Due to the framework agreement of the central settlement, the retailer is completely flexible with regard to the scope of his order - the supplier does not take any risk, as he will send the invoice directly to DZB BANK and the payment is guaranteed.

Supplier - DZB BANK

The supplier transfers the invoice data digitally directly to DZB BANK. DZB BANK guarantees payment on the first condition - the advantage: all the supplier's receivables are summarised and paid in one sum and within a fixed payment cycle.

DZB BANK - Retailer

DZB BANK collects all a retailer's liabilities in one sum in agreed cycles - the advantage: no deadline monitoring, paper-free and without additional administrative effort.

DZB BANK - Association

DZB BANK transmits regularly statistics and information to the Association.

Flexible shopping, use opportunities!    

You order, we pay - that's how retailers benefit from centralized settlement.

We pay on time. Guaranteed

More security for suppliers as a participant in central settlement.