Safe deposit box

A locker is a theft and possibly other risks protected container for valuables.

Safety deposit boxes are often located in shopping malls, public dressing rooms, locker rooms and schools. For lockers at railway stations and airports that serve primarily for temporary storage of luggage, one speaks of luggage lockers.

The bank locker

A special feature, especially in the manner of use, is the bank locker.

Use of bank locker

About the use of the bank locker a lease agreement between the bank and customer is completed. This usually includes insurance of the locker contents, the amount of insurance can be expanded using an additional insurance. The sum insured contained in the annual packages is usually not very high.

The tenant (or on that program Agents) shall have access to his locker, using his key ( code ). To achieve the necessary security, the Bank has a key (code). Only by using both an access possible.

Locker facilities newer generation are automated. Access is independent of bank employees and safe closing times around the clock. The single locker is transported in a specially secured output space when accessing via a conveyor system from the vault area.

The Bank of the cupboard contents no knowledge. To ensure confidentiality, access to the vault is locked, while the customer has opened his locker.

Loses the Renter key or secret code, the lock must be replaced at the expense of the customer.

Grants the tenant the locker after termination or not the rent is not paid, the bank may open in the presence of a witness, the trade under the contract. Because of back rent, the bank has a lien on the property brought in by the renter ( § 562, § 578 BGB).

As a rule, there are lockers at banks of variable size, which are payable annually in advance. Typical sizes are in this case 30 cm x 25 cm x 5 cm ( 4 liters) to 200 liters. However, the mechanical strength does not allow storage of heavy objects.

No anonymous bank lockers in Germany

Tenants of lockers Bank subject to the verification of authorization pursuant to § 154 AO. You must be legitimized with an identity card. In case of death, the bank is required to report the existence of the bank locker to the tax office.