MRAIB is a BaFin-supervised private merchant bank headquartered in Berlin. Every euro you place with us sits behind the same regulatory, cryptographic and human safeguards that protect the portfolios of our most sensitive institutional clients. Below is exactly how we keep your capital and your identity safe.
Licensed under §32 KWG and supervised by BaFin, the German Federal Financial Supervisory Authority. Quarterly capital adequacy and liquidity filings.
TLS 1.3 in transit, AES-256 at rest, hardware-backed key storage. No third party — not even our engineers — can read your statements without authorization.
Password + 4-digit PIN at every sign-in. Large transfers and profile changes trigger a call-back from your relationship banker.
A specialist team in Berlin reviews anomalies 24/7. If anything looks off, we call you before we move any money.
MRAIB bankers will never ask you for your full password, your PIN, or a one-time code by phone or email. If someone does, hang up and call us directly on the number below. If in doubt, freeze your card from the client portal — you can always re-activate it within seconds.
If you believe your account may have been compromised, call our Berlin fraud desk immediately. We answer within three minutes on weekdays between 08:00 and 18:00 CET.