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BGB 676a. 3 After this , the transferring banking institution may only terminate the bank transfer contract without indicating any reasons as long as the transaction period has not yet begun if insolvency proceedings have been commenced in relation to the assets of the transferor or if a credit required to carry out the bank transfer has been terminated . In connection with payment systems , a bank transfer may , notwithstanding sentence 1 , no longer be terminated after the time determined in the rules of the system .