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In Österreich erfolgt die Umsetzung über das Gemeinsame Meldestandard-Gesetz (GMSG). Ziel von CRS ist es, steuerliche Transparenz zu fördern und internationale Meldepflichten einheitlich umzusetzen.\u003C/p>\u003Ch2 class=\"h3\">Gesetzliche Anforderungen an Finanzinstitute\u003C/h2>\u003Cp>Die Santander Consumer Bank GmbH ist nach diesem Gesetz verpflichtet, die jeweiligen steuerlichen Ansässigkeiten sowie die Steueridentifikationsnummern von jedem Kunden zu ermitteln, um natürliche und juristische Personen mit Steuerpflicht im Ausland zu identifizieren.\u003C/p>\u003Cp>Für die Begründung einer neuen Geschäftsbeziehung ist ab dem 1. Oktober 2016 eine steuerliche Selbstauskunft zwingend erforderlich.\u003C/p>\u003Ch2 class=\"h3\">Was bedeutet das für Kundinnen und Kunden?\u003C/h2>\u003Cp>Finanzinstitute sind gesetzlich verpflichtet, die steuerliche Ansässigkeit ihrer Kundinnen und Kunden festzustellen und in bestimmten Fällen Informationen an die zuständigen Behörden zu melden.\u003C/p>\u003Cp>Dazu kann die Bank im Rahmen der Kontoeröffnung oder bei Änderungen von Kundendaten eine Selbstauskunft (Self-Certification) anfordern. Diese dient insbesondere dazu, Angaben zur steuerlichen Ansässigkeit und – soweit erforderlich – zur Steueridentifikationsnummer (TIN) zu erfassen.\u003C/p>\u003Ch2 class=\"h3\">Welche Informationen sind meldepflichtig?\u003C/h2>\u003Cp>Sofern ein Konto unter die gesetzlichen Meldepflichten fällt, werden folgende Daten gemeldet:\u003C/p>\u003Cul>\u003Cli>Name und Adresse des/der Kundinnen und Kunden\u003C/li>\u003Cli>Ansässigkeitsstaat/en\u003C/li>\u003Cli>Steueridentifikationsnummer(n) (TIN)\u003C/li>\u003Cli>Geburtsdatum \u003C/li>\u003Cli>Gültigkeitsstatus der CRS-Selbstauskunft\u003C/li>\u003Cli>bestimmte Erträge, z. B. Zinsen\u003C/li>\u003Cli>Kontonummer und Kontostand zum Jahresende\u003C/li>\u003Cli>Kontoart (z. B. Einlage- oder Verwahrkonto)\u003C/li>\u003Cli>Kontostatus (Neu- oder Bestandskonto)\u003C/li>\u003Cli>Anzahl aller Kontoinhaberinnen und Kontoinhaber bei Gemeinschaftskonten\u003C/li>\u003C/ul>\u003Cp>Die Meldung erfolgt an die zuständige österreichische Behörde, welche den Informationsaustausch mit teilnehmenden Staaten gemäß den geltenden gesetzlichen Bestimmungen vornimmt. \u003C/p>\u003Ch2 class=\"h3\">Warum benötigen wir eine Selbstauskunft?\u003C/h2>\u003Cp>Die Selbstauskunft hilft festzustellen,\u003C/p>\u003Cul>\u003Cli>ob ein Konto nach CRS meldepflichtig sein kann,\u003C/li>\u003Cli>welche steuerliche Ansässigkeit zu berücksichtigen ist, und\u003C/li>\u003Cli>ob gesetzliche Meldepflichten bestehen.\u003C/li>\u003C/ul>\u003Cp>Bitte informieren Sie uns auch, wenn sich Ihre steuerlichen Verhältnisse ändern.\u003C/p>\u003Ch2 class=\"h3\">Was bedeutet steuerliche Ansässigkeit?\u003C/h2>\u003Cp>Die steuerliche Ansässigkeit richtet sich nach den Regelungen des jeweiligen Staates und kann sich von Wohnsitz oder Staatsangehörigkeit unterscheiden.\u003C/p>\u003Cp>Bei Fragen zur persönlichen steuerlichen Ansässigkeit wenden Sie sich bitte an Ihre Steuerberatung oder die zuständige Steuerbehörde. Die Santander Consumer Bank GmbH darf gesetzlich keine individuelle Beratung in steuerlichen Angelegenheiten erteilen.\u003C/p>\u003Ch2 class=\"h3\">Was passiert, wenn ich meine steuerliche Ansässigkeit nicht bekannt gebe?\u003C/h2>\u003Cp>Kontoinhaberinnen und Kontoinhaber sind \u003Cstrong>gemäß § 5a GMSG\u003C/strong> verpflichtet, meldenden Finanzinstituten auf Aufforderung sowie bei Änderungen der maßgeblichen Umstände alle Unterlagen und Informationen, die zur Erfüllung der Melde- und Sorgfaltspflichten erforderlich sind, vollständig und richtig zur Verfügung zu stellen.\u003Cbr>Ein Verstoß gegen diese Mitwirkungspflicht kann mit einer Verwaltungsstrafe von bis zu \u003Cstrong>EUR 5.000\u003C/strong> geahndet werden.\u003C/p>\u003Cp>Ohne eine vollständige, plausible und unterzeichnete CRS-Selbstauskunft darf weder für Bestandskundinnen und Bestandskunden noch für Neukundinnen und Neukunden eine Neugeschäftseröffnung vorgenommen werden.\u003C/p>\u003Ch2 class=\"h3\">Datenschutz und Vertraulichkeit\u003C/h2>\u003Cp>Im Rahmen der gesetzlichen Verpflichtungen nach dem Gemeinsamen Meldestandard-Gesetz (GMSG) verarbeitet die Bank personenbezogene Daten zur Erfüllung der Meldepflichten.\u003C/p>\u003Cp>Die Verarbeitung erfolgt auf Grundlage von Art. 6 Abs. 1 lit. c DSGVO in Verbindung mit dem GMSG. Dabei werden jene personenbezogenen Daten verarbeitet und – sofern gesetzlich erforderlich – an die zuständigen Behörden übermittelt, die im obigen Abschnitt „Welche Informationen sind meldepflichtig?“ beschrieben sind.  \u003C/p>\u003Cp>Betroffene Personen werden rechtzeitig vor einer konkreten Datenübermittlung gesondert informiert, sodass sie ihre Datenschutzrechte (insbesondere Auskunft über die verarbeiteten Daten gemäß Art 15 DSGVO, sowie Berichtigung unrichtiger Daten gemäß Art 16 DSGVO) wahrnehmen können.\u003C/p>\u003Cp>Weitere Informationen zu den Datenverarbeitungen der Bank finden Sie im \u003Ca href=\"/datenschutzhinweis\">Datenschutzhinweis\u003C/a>.\u003Cbr>Bei Fragen zu CRS oder zur Selbstauskunft wenden Sie sich bitte an \u003Ca href=\"mailto:bestsparen@santander.at\">bestsparen@santander.at.\u003C/a>\u003C/p>\u003Cp>Für weitere Informationen zu GMSG / CRS verweisen wir auf die Webseiten der zuständigen Behörden:\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"https://www.bmf.gv.at\" target=\"_blank\" rel=\"noopener noreferrer\">Österreichisches Bundesministerium für Finanzen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"http://www.oecd.org/tax/automatic-exchange/\" target=\"_blank\" rel=\"noopener noreferrer\">OECD\u003C/a>\u003C/li>\u003C/ul>","","h-default","w-full","default","none","6a0342973d084",[],"private",{"seoTitle":22,"seoDescription":22,"seoImage":22,"seoCanonicalUrl":22,"seoOgTitle":22,"seoOgDescription":22,"seoOgImage":22,"robotsNoindex":22,"robotsNofollow":22,"robotsNoarchive":22,"robotsNosnippet":22,"robotsNoodp":22,"robotsNoydir":22,"robotsNoimageindex":22,"robotsNotranslate":22,"seoOgUrl":22,"__typename":23},null,"MetaTags","CRS GMSG | Santander Bank Österreich","Santander Bank 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