Uses for bank transfers are often terribly boring. Some people are creative, but be careful: some texts that are meant to be funny can cause trouble!
“For coke and hookers”
Bento reports that even the police can investigate you if the intended use raises suspicion that it is payment for an illegal act. Bank employees must check transfers for suspected money laundering or fraud. If in doubt, they then have to pass this on to the FIU (Financial Intelligence Unit), who then check it and pass it on to the public prosecutor, who then passes it on to the police, which creates quite an administrative act.
Authorities are annoyed
Stefan Marotzke, spokesman for the Savings Banks and Giro Association, told “ Bento ”: “Uses intended to be funny can lead to increased workload and delays.”
A spokeswoman for the Customs Criminal Investigation Office also noted: “The prank puts a strain on an administration.”
The Munich public prosecutor’s office also confirms that that “there were always reports of suspected money laundering due to remarkable uses (“coke, hookers, marijuana and whatever else you need for a good party”, “weapon-grade plutonium”).”
Is that a criminal offense?
In principle yes, because it is “gross nonsense”.
There were also advertisements about this. Although the public prosecutor was unable to provide any statements about ongoing proceedings in this regard, it is likely that the proceedings will be discontinued. The police won't immediately show up at your door if you make a joke. However, it should be noted that the bank can terminate your account if a customer repeatedly uses such misleading purposes.
I still want to be funny!
Then just be it!
You just have to make sure it doesn't sound criminal. And don't do this too often so you don't upset your bank. You can find plenty of examples of this on the internet, for example “Buy yourself a Snickers”, “Here you go, capitalist” or “Your poverty pisses me off”. Let your creativity run wild. Then the bank won't be annoyed, but will smile along with you (if you don't overdo it).
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