{"id":3462,"date":"2026-09-18T07:00:25","date_gmt":"2026-09-18T07:00:25","guid":{"rendered":"https:\/\/netguide.io\/news\/2026\/09\/18\/digitaler-euro-neue-kontonummer-dean-erganzt-die-klassische-iban\/"},"modified":"2026-09-18T07:00:26","modified_gmt":"2026-09-18T07:00:26","slug":"digitaler-euro-neue-kontonummer-dean-erganzt-die-klassische-iban","status":"publish","type":"post","link":"https:\/\/netguide.io\/news\/de\/2026\/09\/18\/digitaler-euro-neue-kontonummer-dean-erganzt-die-klassische-iban\/","title":{"rendered":"Digitaler Euro: Neue Kontonummer DEAN erg\u00e4nzt die klassische IBAN"},"content":{"rendered":"<div id=\"netgu-3746048937\" class=\"netgu-before-content netgu-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6258556257245998\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-6258556257245998\" \ndata-ad-slot=\"3494115342\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div><p>Die europ\u00e4ischen W\u00e4hrungsh\u00fcter bereiten die Einf\u00fchrung des digitalen Euro vor, der Mitte 2027 in einer Testphase an den Start gehen soll. Wer das digitale Zentralbankgeld k\u00fcnftig nutzen m\u00f6chte, erh\u00e4lt daf\u00fcr neben der bekannten IBAN eine zus\u00e4tzliche Kontonummer: die sogenannte DEAN (Digital Euro Account Number), wie Chip.de berichtet.<\/p>\n<h2>Aufbau und Vergabe der neuen Kontokennung<\/h2>\n<p>W\u00e4hrend die IBAN das Girokonto bei der Bank identifiziert, dient die DEAN der fehlerfreien Abwicklung von Geldtransfers im System des digitalen Euro. Laut den Spezifikationen besteht die Kennung aus 18 alphanumerischen Zeichen und beginnt grunds\u00e4tzlich mit der Buchstabenfolge \u201eEU\u201c. Im Gegensatz zur IBAN ist kein L\u00e4ndercode enthalten. Stattdessen l\u00e4sst sich an der DEAN direkt erkennen, ob es sich um ein privates oder ein gesch\u00e4ftliches Nutzerkonto handelt. Die \u00fcbrigen Zeichen teilen sich in Pr\u00fcfziffern und eine Seriennummer auf.<\/p><div id=\"netgu-3768661445\" class=\"netgu-content netgu-entity-placement\"><aside class=\"deals-top deals-top--compact\">\n\n\t\t\t<h3 class=\"deals-top__title\">Top-Deals<\/h3>\n\t\n\t\t\t<ul class=\"deals-top__list\">\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/ugreen-aluminium-tabletstaender-360-drehbar-hoehenverstellbar\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/09\/2825012_1-150x150.webp\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">UGREEN Aluminium Tabletst\u00e4nder | 360\u00b0 Drehbar &amp; H\u00f6henverstellbar<\/span>\n\n\t\t\t\t\t\t\t<span 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class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t54\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li class=\"deals-top__item\">\n\t\t\t\t\t<a class=\"deals-top__link\" href=\"https:\/\/netguide.io\/deals\/de\/deals\/the-clockwork-scarab-stoker-and-holmes-book-1-kindle-edition\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img class=\"deals-top__image\" src=\"https:\/\/netguide.io\/news\/wp-content\/uploads\/sites\/15\/2026\/09\/4982769_1-150x150.webp\" alt=\"\" width=\"52\" height=\"52\" loading=\"lazy\" \/>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<span class=\"deals-top__body\">\n\t\t\t\t\t\t\t<span class=\"deals-top__name\">The Clockwork Scarab (Stoker and Holmes Book 1) \u2013 Kindle Edition<\/span>\n\n\t\t\t\t\t\t\t<span class=\"deals-top__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-top__price\">Gratis<\/span>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<s>0.01 \u20ac<\/s>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"deals-discount\">-100%<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t<span class=\"deals-top__temperature\">\n\t\t\t\t\t\t\t54\u00b0\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t<p class=\"deals-top__more\">\n\t\t\t\t<a href=\"https:\/\/netguide.io\/deals\/\">Alle Deals ansehen \u2192<\/a>\n\t\t\t<\/p>\n\t\t\t<\/aside>\n<\/div>\n<p>Privatpersonen d\u00fcrfen laut den Vorgaben lediglich \u00fcber eine einzige DEAN verf\u00fcgen. F\u00fcr Gesch\u00e4ftskunden ist hingegen die Nutzung mehrerer Nummern vorgesehen. Die Erstellung erfolgt zentral \u00fcber die sogenannte Digital Euro Service Platform (DESP). Nach einem Identifizierungs- und Registrierungsprozess fordert der jeweilige Zahlungsdienstleister die Kennung bei der Plattform an und weist sie dem Kunden zu. Die Dienstleister sind verpflichtet, Nutzern ihre DEAN transparent mitzuteilen. Sollte f\u00fcr den digitalen Euro eine physische Bezahlkarte ausgegeben werden, muss die Nummer dort gut lesbar aufgedruckt sein.<\/p>\n<h2>Nutzung im Alltag: Aliase statt Nummernkolonnen<\/h2>\n<p>Um das Bezahlen so unkompliziert wie mit Bargeld zu gestalten, m\u00fcssen Verbraucher die 18-stellige Zeichenfolge bei \u00dcberweisungen nicht manuell eingeben. In der Praxis sollen sogenannte Aliase zum Einsatz kommen. So l\u00e4sst sich das DEAN-Konto beispielsweise mit einer Handynummer verkn\u00fcpfen, um Betr\u00e4ge direkt an Kontakte zu senden. Dieses Verfahren wird bereits in laufenden Pilotprojekten erprobt.<\/p>\n<p>Auch beim Datenschutz sind spezifische Vorkehrungen vorgesehen: Auf zentraler Ebene arbeitet die Infrastruktur mit anonymisierten Identifikatoren (Unique Identifiers). Dadurch soll verhindert werden, dass die Europ\u00e4ische Zentralbank oder nationale Zentralbanken direkte R\u00fcckschl\u00fcsse auf die DEAN oder die Identit\u00e4t der Kontoinhaber ziehen k\u00f6nnen.<\/p>\n<h2>Was Nutzer jetzt tun sollten<\/h2>\n<p>Aktuell besteht f\u00fcr Verbraucher kein Handlungsbedarf. Die technischen Systeme werden derzeit vorbereitet, bevor der digitale Euro Mitte 2027 in einer Testphase an den Start gehen soll.<\/p>\n<p><em>Quellen: <a href=\"https:\/\/www.chip.de\/news\/geld-finanzen-recht\/extra-zur-iban-fast-jeder-buerger-wird-eine-neue-kontonummer-erhalten_b18d1cf1-7392-440e-8c3a-22f77ded5212.html\" rel=\"nofollow noopener\" target=\"_blank\">Chip.de<\/a><\/em><\/p>\n<div id=\"netgu-3799211627\" class=\"netgu-after-content netgu-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6258556257245998\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-6258556257245998\" \ndata-ad-slot=\"4559785002\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>F\u00fcr den digitalen Euro wird neben der IBAN eine neue Kontokennung eingef\u00fchrt: die Digital Euro Account Number (DEAN). Was hinter der 18-stelligen Nummer steckt.<\/p>\n","protected":false},"author":1,"featured_media":3461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1669],"tags":[2670,2669,2675,2671,2676,2677],"class_list":["post-3462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wirtschaft","tag-dean","tag-digitaler-euro","tag-ezb","tag-iban","tag-online-banking","tag-zahlungsverkehr"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/3462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/comments?post=3462"}],"version-history":[{"count":1,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/3462\/revisions"}],"predecessor-version":[{"id":3463,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/posts\/3462\/revisions\/3463"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/media\/3461"}],"wp:attachment":[{"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/media?parent=3462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/categories?post=3462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/netguide.io\/news\/wp-json\/wp\/v2\/tags?post=3462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}