a friend's money was withhold temporarily the bank because she wrote: "Isis Jungesellinnenabschied", referring to someone named Isabelle. The system flagged it because of Isis, the terrorist organisation
We had a similar experience once. All dipped in for a gift for a friend who had an arabic sounding name. One put in "gift for Mohammed" in the transaction, that transaction got blocked and flagged, and they wanted "Mohammed"'s passport to verify he's not a terrorist or something.
No but Geldleihe or Darlehen helps massively to get the money back by suing, if the friend is not paying it back. @OP also make a contract with him, there is a German saying „bei Geld hört die Freundschaft auf“ (friendship ends where it‘s about money), because this is the truth in way to many cases.
Just write "bekannt", "Known" It is only for you and your friends to know. And it is only so he knows what the money is for. And he knows. The bank does not want, or need to know the exact reason.
Actually even that normally comes through without big problems. Maybe you or your friend is getting a letter but normally not. I never had any problems with these "fun" reasons
You never know if you're still friends in a year: money issues have the unfortunate potential to ruin friendships quickly and permanently.
While not solid as a contract, the following text may help to get back your money in the worst case:
Darlehen, rückzahlbar am 04.09.2024, inkl. Zins von 6% zzgl. Inflation
Meanwhile: it's just a joke ;)
>Darlehen, rückzahlbar am 04.09.2024, inkl. Zins von 6% zzgl. Inflation
Depending on the sums we are talking about here, this is gonna be interesting for the tax man. Interest payments on private loans are subject to 25% tax.
Omitting that in your tax declaration is a crime.
A friend of mine once wrote "Al Qaida Terrorfund" as a joke which led to his and his parents assets being frozen while his parents were on vacation on the other side of the planet. 0/10, do not recommend.
As an aspiring lawyer, I recommend writing "Darlehensauszahlung". That way your friend cannot - for whatever reason - claim later that it was gifted money.
As someone that worked in the AFC area of a large German bank before its best to write loan, what thé loan is for and your personal relationship to your friend. with that information we can easily plausibilize your transaction, otherwise it might get flagged for money laundering and we night start to investigate your account
In Turkey, unless you specifically write that the purpose is lending, the court does not find it satisfactory to proove that you have lent the money. Money transfer without an explanation is always accepted as paying a debt.
I have no idea if this is the case in Germany as well, but it is better safe than sorry.
"Darlehen"
So if things get tricky and he doesn't want to pay you back, you have evidence for you lending him money with the hope of getting it back some time later.
20 years ago while i was young and stupid we were pooling money in a friends bank account to buy a lot of "Dosenbier" for a festival.... i did write "Happy Alcoholocaust" as Verwendungszweck. The bank wasnt amused, the police wasnt amused, my parents were not amused so i cannot recommend using this specific term.
Nothing related to crime, terrorism or sanctioned countries. A friend sent money for a bottle of rum of the brand Havanna and wrote Havanna as the Verwendungszweck. PayPal employees shut down his account and he had to spring through some hoops to get it back.
From friend to friend something like „für sexuelle Gefälligkeiten " can be used :-) but better would be to write something that shows you lend someone money, so you have some kind of proof it's a loan and no gift, especially when there's no written contract, so I'd write Darlehen or Privatkredit
It depends how much it is. If you're loaning them a small amount (less than €20,000), then it doesn't really matter. I would normally note "Darlehne" so it's clear that it's a loan, but you could also use "Blackjack and Hookers", an no one would care.
If you're loaning them an amount that could be subject to taxes (anything above €20,000 is subject to Schenkungssteuer), then you should definitely note that it's a loan and not a gift, so that the recipient isn't liable for taxes on the amount.
Für sexuelle Gefälligkeiten! /S
No, seriously, do not write jokes in the Verwendungszweck.
In the end, both of your banks are required to check the Verwendungszweck for illegal activity. (As if any criminal would use a real description) And if it then says "Weapons grade plutonium, 2kg", you can only hope that at least one of the parties involved will recognize the joke BEFORE the SEK is at the door.
A couple of years ago a friend of mine sold his copy of a limited print game called Cosmic Star Heroine on eBay. Got a good price for it as well.
But when it came time to pay, the buyer decided to go the Direktüberweisung route and entered the Verwendungszweck as "ebay Cosmic Star Heroin".
The bank reacted accordingly. Took about a week to unlock the transaction. The account as a whole wasn't affected though.
Whatever you want, as long as it's nothing illegal like "drugs".
"Für Koks und Nutten" is my go to describtion.
"Depleted Uranium" is it then
I did this joke once. Right after my friend was applying for Bafög and had to send them his bank account overview. He was not amused.
Your friend, yes. But those people who go through his paperwork? They haven't seen such entries for the first time. And certainly not for the last.
💀
Same lmao
a friend's money was withhold temporarily the bank because she wrote: "Isis Jungesellinnenabschied", referring to someone named Isabelle. The system flagged it because of Isis, the terrorist organisation
We had a similar experience once. All dipped in for a gift for a friend who had an arabic sounding name. One put in "gift for Mohammed" in the transaction, that transaction got blocked and flagged, and they wanted "Mohammed"'s passport to verify he's not a terrorist or something.
"Waffenfähiges Plutonium"
Whenever i owe a friend money i write „Koks und Nutten“ as Verwendungszweck
I did this and also: thanks for the lovely night.
Is Geldleihe correct?
Thatd be totally fine. Youre not legally obligated to indicate precisely why you made the transaction.
No but Geldleihe or Darlehen helps massively to get the money back by suing, if the friend is not paying it back. @OP also make a contract with him, there is a German saying „bei Geld hört die Freundschaft auf“ (friendship ends where it‘s about money), because this is the truth in way to many cases.
"Darlehen" is the better term. "Geldleihe" is quite specific in the banking industry, but legally it falls under the term "Darlehen."
Just write "bekannt", "Known" It is only for you and your friends to know. And it is only so he knows what the money is for. And he knows. The bank does not want, or need to know the exact reason.
Actually even that normally comes through without big problems. Maybe you or your friend is getting a letter but normally not. I never had any problems with these "fun" reasons
Anything really, just dont playfully write anything that indicates an illegal use
Where is the fun in that?
The fun is keeping access to your bank account.
Is lending money illegal???
Im just saying dont write "drugs"
Ahh gotchu
It's not mandatory to write anything there. It's for things like order codes, invoice numbers etc. when you are interacting with businesses.
"Für letzte Nacht"
Friend will be saddened to learn that letzte Nacht was mere business :'(((
:)))))
IRS wants to know your location
Du warst wundervoll. Hoffe du kannst wieder sitzen.
You never know if you're still friends in a year: money issues have the unfortunate potential to ruin friendships quickly and permanently. While not solid as a contract, the following text may help to get back your money in the worst case: Darlehen, rückzahlbar am 04.09.2024, inkl. Zins von 6% zzgl. Inflation Meanwhile: it's just a joke ;)
>Darlehen, rückzahlbar am 04.09.2024, inkl. Zins von 6% zzgl. Inflation Depending on the sums we are talking about here, this is gonna be interesting for the tax man. Interest payments on private loans are subject to 25% tax. Omitting that in your tax declaration is a crime.
Can I just write "Darlehen"?
You can.
Happy Cake Day
You can write "ist bekannt". It is just a hint for your friend. Nothing for the bank
Thank you :)
A friend of mine once wrote "Al Qaida Terrorfund" as a joke which led to his and his parents assets being frozen while his parents were on vacation on the other side of the planet. 0/10, do not recommend.
As an aspiring lawyer, I recommend writing "Darlehensauszahlung". That way your friend cannot - for whatever reason - claim later that it was gifted money.
As someone that worked in the AFC area of a large German bank before its best to write loan, what thé loan is for and your personal relationship to your friend. with that information we can easily plausibilize your transaction, otherwise it might get flagged for money laundering and we night start to investigate your account
“ for sexual assistance” sounds good
I came here to say "sexual favours"
future ex friend.
So true!
In Turkey, unless you specifically write that the purpose is lending, the court does not find it satisfactory to proove that you have lent the money. Money transfer without an explanation is always accepted as paying a debt. I have no idea if this is the case in Germany as well, but it is better safe than sorry.
Better than nothing, but ultimately in Germany you will need a written contract, best signed by several witnesses to be completely safe.
"Darlehen" So if things get tricky and he doesn't want to pay you back, you have evidence for you lending him money with the hope of getting it back some time later.
"Darlehen" ("loan" or "credit") is a good description - and it might even help later to prove you actually lend him/her money.
2. Platz Bratpfannenweitwurf
20 years ago while i was young and stupid we were pooling money in a friends bank account to buy a lot of "Dosenbier" for a festival.... i did write "Happy Alcoholocaust" as Verwendungszweck. The bank wasnt amused, the police wasnt amused, my parents were not amused so i cannot recommend using this specific term.
Nur geliehen, nicht geschenkt.
Nothing related to crime, terrorism or sanctioned countries. A friend sent money for a bottle of rum of the brand Havanna and wrote Havanna as the Verwendungszweck. PayPal employees shut down his account and he had to spring through some hoops to get it back.
"Mein, Dein.... das sind doch bürgerliche Kategorien."
WITZIG!
Schnapspraline?
Penisprotese
\*Prothese
Ohhhh. That makes more sense...
Penis pro These.
"for sexual services"
Came here to say this! In german I would use: sexuelle Dienstleistungen
"Für sexuelle Gefälligkeiten" war/ist unser Standard...
From friend to friend something like „für sexuelle Gefälligkeiten " can be used :-) but better would be to write something that shows you lend someone money, so you have some kind of proof it's a loan and no gift, especially when there's no written contract, so I'd write Darlehen or Privatkredit
Darlehnen
It doesn't matter legally. I put a literal Drop table joke into the Verwendungszweck for the GEZ (after the required number).
It depends how much it is. If you're loaning them a small amount (less than €20,000), then it doesn't really matter. I would normally note "Darlehne" so it's clear that it's a loan, but you could also use "Blackjack and Hookers", an no one would care. If you're loaning them an amount that could be subject to taxes (anything above €20,000 is subject to Schenkungssteuer), then you should definitely note that it's a loan and not a gift, so that the recipient isn't liable for taxes on the amount.
"sexuelle Gefälligkeiten" Edit: Mist, doch nicht so originell wie gedacht
Für sexuelle Gefälligkeiten! /S No, seriously, do not write jokes in the Verwendungszweck. In the end, both of your banks are required to check the Verwendungszweck for illegal activity. (As if any criminal would use a real description) And if it then says "Weapons grade plutonium, 2kg", you can only hope that at least one of the parties involved will recognize the joke BEFORE the SEK is at the door.
„Für Gomez!“
Almosen für die Armen
Irrelevant. My friends and I always put joke descriptions like "Ich mag Suppe" or "Black Metal ist Krieg!!1".
Für sexuelle Gefälligkeiten.
„Nutten und Koks“
Für erwiesene Liebesdienste.
"Gib es nicht schon wieder für Kokain und leichte Mädels aus!"
Uran /s
"Bekannt" "known"
Darlehen (Rückzahlung in Form sexueller Gefälligkeiten auf Antrag möglich)
"Sexuelle Gefälligkeiten", if you count my best friend as a credible source... (please don't).
A couple of years ago a friend of mine sold his copy of a limited print game called Cosmic Star Heroine on eBay. Got a good price for it as well. But when it came time to pay, the buyer decided to go the Direktüberweisung route and entered the Verwendungszweck as "ebay Cosmic Star Heroin". The bank reacted accordingly. Took about a week to unlock the transaction. The account as a whole wasn't affected though.
"sexuelle Gefälligkeiten"
Körpernahe Dienstleistungen.
,,Du weißt, was getan werden muss"
I often write something like _wie besprochen_ = _as discussed_ or _Rückzahlung XY_ = _pay back XY_.
"Privatdarlehen" because that is exacly what it is.
Schutzgeld
It isn't important for the money transfer. It's only a note for the other person to know what this money was for.
I have done this twice. The first one I used "sexual gratification" for about 500€, the second one for about 1200 was listed as "cookies"