Anadi Online Sparen FAQs | Austrian Anadi Bank

Anadi Online Sparen FAQs

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FAQs Anadi Online Sparen

Anadi Online Sparen FAQs

We answer your most frequently asked questions about Anadi Online Sparen before you start.

With Anadi Online Sparen your savings will grow at 0.60 % p.a. less CGT. Daily availability from the very first Euro. This allows for flexible access to your savings, whenever you need it. No fixed contract periods. This makes saving fun again.

Who can open an Anadi Online Sparen (savings)?

Prerequisites to set up the account:

  • natural person
  • at least 18 years of age
  • resident person
  • primary residence in Austria
  • a valid photo ID suitable for personal identification
     
Is Anadi Online Sparen also open to corporate entities or associations and clubs?


No, Anadi Online-Sparen is only available as a single account for natural persons.

How can I make transfers to my reference account?


You can access your savings on your Anadi Online Sparen at any time via transfer to your reference account.

You can access your savings on your Anadi Online Sparen at any time via transfer to your reference account.

Transfers to your reference account are quickly and easily done via internet banking:

  • Choose "transfer to reference account" from the quick access menu.
  • Your reference account is automatically selected.
  • Fill in the mask with relevant information and click on "send request"
  • At this point, all you need to do is to verify the transfer request via mobileTAN in the signatures list.
     
How secure are my savings with Anadi Online Sparen?
 

Which types of deposits are covered by Deposit Protection?

Generally, any deposits on any interest-bearing or non-interest-bearing current- or savings account, such as salaries- and pensions accounts, other current accounts, fixed deposit accounts, capital savings accounts or overnight deposits and short-term savings deposits are covered.

What is the maximum amount of deposits that are covered?

Your savings (including interest) are secured up to a maximum withdrawable amount of EUR 100.000,- per bank and per person. This protection exists independently of the number of current and savings accounts you hold with the respective bank.

What are temporarily covered deposits?
In particular cases, you can apply for an extended cover of deposits in excess of EUR 100.000 and up to a maximum total of EUR 500.000. This application must be filed with the relevant deposit protection agency within 12 months after the conditions for a realisation of deposit protection procedures have come into effect. In such a case, you need to prove that your deposit has arisen either in connection with privately used residential real estate or that it fulfils legally defined conditions in relation to social events in your life, such as a marriage, divorce, retirement, the termination of an employment contract, redundancy, disability, or death. Other relevant cases are when insurance or compensation payments in relation to physical harm inflicted on your person through a crimimal offense have been made to you or when such payments relate to compensations for wrongfully made criminal convictions of your person.

In any such case, the conditions for a realisation of deposit protection procedures must come into effect no later than 12 months after the relevant deposit has been made or after the relevant deposit could be transferred in a legally permissible manner.

Are there any deductibles?
No. There are no deductibles in relation to deposit protection, neither for natural nor for legal persons.

Are my interest claims also covered?
Yes. Auch die vom Kreditinstitut bis zum Eintritt des Sicherungsfalls für Ihr Guthaben zu zahlenden Zinsen sind von der Einlagensicherung umfasst und werden in den Auszahlungshöchstbetrag eingerechnet.

Can my deposit be compensated both as a deposite covered by the regulations of deposit protection as well as an investment in security transactions bound to the regulations of investor compensation?
No. There can be no claim for double compensation. Claims relating to deposits in accounts which could be compensated both as a deposit covered by the regulations of deposit protection as well as an investment in security transactions bound to the regulations of investor compensation are to be covered by deposit protection only.

In cases where the relevant preconditions for compensation via both instruments are fulfilled, claims for compensation via deposit protection and investor compensation can be filed independently. An aggregation of both claims is not possible. Click here for more information on deposit protection and investor compensation (pdf).

What is the maximum amount I can deposit in an Anadi Online Sparen?


The maximum deposit per customer is EUR 500,000.

Can I open more than one Anadi Online Sparen?


Every customer is entitled to a maximum of five Anadi Online Sparen.