Anadi Online Festgeld | Austrian Anadi Bank

Anadi Online Festgeld
Open an Anadi Online Festgeld now!

Anadi Online Festgeld

Yes! The Anadi Online Festgeld is now available with attractive conditions. Finally, saving is fun again!

The Anadi Online Festgeld (time deposit) in just three steps. Open online on our secure Website, forward documents, and we will handle everything else for you.

0.71 % interest p.a. less CGT for 6 months

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0.81 % interest p.a. less CGT for 12 months


0.91 % interest p.a. less CGT for 36 months

 

         Open an Anadi Online Festgeld now!

Anadi Online Festgeld overview (pdf)

 

 

Fixed Deposit Calculator

 

 

 

Deposit

 

Minimum EUR 2,500.00 – max. EUR 500,000.00 per Festgeld tranche and per customer


Security

Internet banking with mobileTAN process


Condition

Any monies which have not previously been managed at Austrian Anadi Bank AG can be used as a deposit on an Anadi Online Festgeld.


Free of charge

No charge is made for account management, internet banking,
the Anadi Mobile Banking App and electronic account statements (PDF)


Period of validity

At the end of the agreed term your invested capital plus interest and less CGT is available on your specified Festgeld settlement account.


Prolongation

If you would like to reinvest the total amount or any part amount at the end of the agreed term, you can extend your existing Anadi Online Festgeld up to 24 hours before it expires. To do this, go into internet banking and find the Option “Prolongation” under the menu item “Festgeld”, and specify the type of prolongation, the investment period and the investment amount.


Security

We offer maximum security for your deposit. Your credit balance (with interest) is secured up to a maximum payment amount of EUR 100,000.00 per person. This protection applies independently of the number of accounts or savings accounts you hold. Austrian Anadi Bank AG is a shareholder of Hypo Haftungs-Gesellschaft m.b.H., which is responsible for deposit guarantee schemes within the Association of Regional Mortgage Banks.
More information about deposit protection and investor compensation..


Compound interest effect

Are you aiming for maximum income? Then you can benefit twice over with our attractive interest rates on your Festgeld investment and our easy-to-use internet banking system. Just set up your Anadi Online Festgeld for the desired period, and your money grows automatically. If you specify a term of more than one year, you benefit from our lucrative compound interest effect - at no extra cost to you.


Frequently Asked Questions

We answer frequently asked questions about the Anadi Online Festgeld here.

 

Anadi Tip

Take additional advantage with the compound interest effect by choosing a validity period of 36 months!

Three steps to your Anadi Online Festgeld - start now!

 

Online-Festgeld: Kontoeröffnungsantrag online ausfüllen Fill out your account application online
Fill out the account application online on our secured website. For your Anadi Online Festgeld, we will open your Festgeld settlement account free of charge within the terms of Anadi Online Sparen. You can also set your login and access details online. That saves precious time.

Online-Festgeld: Unterlagen übermitteln The Next Step: forwarding documents
You will receive your personal account information within 3 working days by post. You must send back all documents completely filled out and signed, including a copy of an applicable photo ID. Use the enclosed return-envelope to send all documents.

Online-Festgeld: Konto freischalten The next Step: Review of documents, activate account
Your Anadi Online-Festgeld and the Festgeld settlement account will be activated as soon as we receive all forms filled out and completed, and we have reviewed and countersigned the documents. We will inform you of the activation by e-mail.


We take care of the rest
Once your account has been activated, we will withdraw the amount from your reference account and deposit it in your Festgeld settlement account. Please make sure that your reference account is cleared for withdrawal to allow for an automatic withdrawal.

Anadi Online Festgeld prolongation
Would you like to save longer? Just simply prolong your Anadi Online Festgeld.

You can comfortably prolong part or all of your Anadi Online Festgeld up to 24 hours before the end of the validity period. You can find the menu option Prolongation under Fixed Deposit in the Menu of your internet banking. Here you can choose the type of prolongation (one-off payment or automatic), the period of time and the amount to be deposited. In the event of a prolongation, your fixed-deposit will be calculated and the determined amount set by you will be invested. It is important that your Festgeld settlement account has the necessary amount for the investment at its disposal.

Expiration of the validity period
Your deposit including interest minus capital gains tax is at your disposal at the end of the validity period on your Festgeld settlement account.

  • you can flexibly save further with the Anadi Online Sparen (savings), and be in charge of your money daily
  • you can withdraw and transfer your savings with an internet banking transfer to your Festgeld settlement account.
     
Please take note:
 

General information, minimum and maximum deposit
Anadi Online Festgeld is a limited time investment of a one-off payment of minimum  EUR 2,500.- and maximum EUR 500,000.- (per client and per time deposit) with a fixed interest rate from the start for a specified period of validity.

Prerequisites for opening an Anadi Online Festgeld:

  • private individuals
  • 18 years old
  • main residence in Austria
  • the account holder of the Anadi Online Festgeld will always be the owner of the Festgeld settlement account
  • opening your own account, that means the Anadi Online Festgeld can't be opened by anyone else.
  • valid photo identification is required
     

Requirements for opening an Anadi Online Festgeld consist of holding an account within the terms of the Anadi Online Sparen as well as the completion of the “Agreement to participate in Internet Banking”. In the course of opening an Anadi Online Festgeld, an Anadi Online Sparen (Festgeld settlement account), within and according to the terms of the Anadi Online Sparen will be opened which will handle your Anadi Online Festgeld.

All payment flows in connection with the Anadi Online Festgeld (for example initial booking, interest payments, as well as reimbursements at end of validity period) will take place and be handled through the Festgeld settlement account. The Festgeld settlement account must remain open for the length of time that the Anadi Online Festgeld is running. The Festgeld settlement account cannot be dissolved before the expiration of the validity period and before the balance of the running Anadi Online Festgeld is calculated.

During the opening of the online account, it is necessary to give a reference account from a bank other then Anadi, where an automatic single payment of the desired amount can be withdrawn and transferred into your Festgeld settlement account. Once the transfer has successfully been completed into your Festgeld settlement account, a single automatic transfer of the funds from your settlement account to your Anadi Online Festgeld will occur and the interest starts to run. In order for a successful withdrawal, the client must make sure that the Festgeld settlement account covers the amount that will be withdrawn.

We will inform you in the event of failure to withdraw due to insufficient funds. Please take note to provide sufficient funds within 14 days of issuing the order of the Anadi Online Festgeld for the transfer onto your Festgeld settlement account. Otherwise, the contract will not take place and the Anadi Online Festgeld will be erased. The account contract will only take effect with the return of the account contract and completion of the required legal identification or electronic drawing via internet banking.

Account dispositions
Individuals who have reached the age of maturity, who have residence in Austria can be an account holder. Only account holders of an Anadi Online Festgeld can be account holders of a Festgeld settlement account. Opening an account by representative and/or otherwise authorised persons is not allowed. The account holder certifies on his own account.

Account dispositions
The Anadi Online Festgeld does not serve as a general payment system. The account allocation is carried out only at the beginning of the validity period by the Anadi Bank to withdraw the agreed upon amount and transfer it to the Anadi Online Festgeld, provided sufficient coverage exists in the Festgeld settlement account. Partial disposal of fund and stockpiling during the validity period is not allowed. The total amount balance including the accumulated interest minus capital gains tax will be placed automatically into your Festgeld settlement account at the end of the validity period and the Anadi Online Festgeld will be erased. 

Interest rate and return
The amount of money in your Anadi Online Festgeld will yield interest for the duration of the agreed upon period of validity and interest rate. Interest begins at the time when your investment capital is credited onto the Anadi Online Festgeld and ends on the last day of the agreed upon validity period. At the end of each completed year starting on the date investment capital was credited into the Anadi Online Festgeld, the Anadi Online Festgeld will close each respective past year with the attributed interest yield.

Time deposit prolongation
You have the possibility to prolong your time deposit online up to 24 hours before the expiration of validity, where further options are available to you:

  • type of prolongation/extension
  • period of validity
  • investment amount
     

In the event of a prolongation, your determined amount of time deposit will be invested again. It is important that your Festgeld settlement account covers the desired amount if you want to invest again.

End of validity period
At the end of the validity period, your invested capital including interest minus capital gains tax is available to you on your Festgeld settlement account

  • you can flexibly save further with the Anadi Online Sparbuch where your money is at your disposal
  • you can withdraw and transfer your savings with an internet banking transfer to your reference account
     


Early reimbursement
Reimbursements before the end of the validity period are not allowed. However, in the event that Anadi Bank agrees to an early reimbursement, regardless of a partial or a full reimbursement of a EUR amount, it will be contractually subject to 0.05% interest per year minus capital gains tax for the period of time held. 

Do you have anymore questions? We would be happy to answer any questions.
Our Customer Care Center is available to you on +43 (0) 50202 0 from Mondays to Friday from 7:30 a.m. to 6:00 p.m. You can find more answers about our Anadi Online Festgeld in our FAQs section.

Client information and conditions 


Below we have important information for you to download!

Conditions Anadi Online Sparen (Savings) | Last updated: January 2017
  • download
Information concerning the Austrian distance financial services act (FernFinG) Anadi Online Sparen | Last updated: September 2015
  • download
Information concerning the Austrian distance financial services act (FernFinG) Anadi Online Festgeld | Last updated: December 2015
  • download
General terms of Business of Austrian Anadi Bank AG | Last updated: November 2015
  • download
Agreement for Use of Internet banking | Last updated: May 2015
  •  download
Deposit Guarantee Schemes and Investor Compensation | Last updated: August 2015
  • download
§§38 (2), 52 of the Federal Act on Deposit Guarantee Schemes and Investor Compensation (ESAEG) | Last updated: Februay 2016
  • download
Annex to § 37A of the Austrian Banking Act (BWG) Depositor Information Sheet | Last updated: December 2016
  • download
General Information on Payment services for Customers (ZADIG) | Last updated: May 2016
  • download
Reporting Duty for US American account and custody account holders (FATCA) | Last updated: July 2014
  • download
Agreement for Use of Internet Banking | Last updated: May 2016
  • download

 

Do you have a cell phone signature? Start easily now.


A digital signature is your personal signature on the internet. It is equivalent to your handwritten signature and is thereby your digital proof of identity on the net. With your digital signature, you have access to more than 200 electronic services from business and administration.

Have you already activated your digital signature? Great! Then you can continue as follows:

Online-Festgeld: Kontoeröffnungsantrag ausfüllenFill out application online to open account 
Fill out the online application on our secured website. Set your login and access details online. That saves valuable time.

Online-Festgeld: Unterlagen ausfüllenFill out documents and sign with your existing digital signature

You will receive your personal account information within 3 working days by post. Fill the forms completely. Have a copy of a photo ID ready (valid passport, personal ID card or your driver’s license). Scan all the documents needed for opening your personal account. Sign all the documents and a copy of your photo ID with your cell phone signature on the ATrust website and forward this to us by e-mail. 

You haven’t yet activated your digital signature and would like to? External link: How to activate your digital signature. Read more on the ATrust website (only in German language).

Online-Festgeld: Unterlagen prüfenReview of your documents and forms

Your Anadi Online Festgeld and the Festgeld settlement account will be activated as soon as we receive all forms filled out and completed, and we have reviewed and countersigned the documents. We will inform you of the activation by e-mail.

We will take care of the rest.           
Once your account has been activated, we will withdraw the amount from the reference account and deposit it into your Festgeld settlement account. Afterwards, your money on the Festgeld settlement account will be transferred to your Anadi Online Festgeld. With internet banking or with our Anadi mobile banking App you can get an overview of all your accounts. Your invested capital including interest minus capital gains tax is available to you at the end of the validity period.  

Time deposit prolongation 
Would you like to save longer? Just simply prolong your Anadi Online Festgeld.

You can comfortably prolong part or all of your Anadi Online Festgeld up to 24 hours before the end of the validity period. You can find the menu option Prolongation under Fixed Deposit in the Menu of your internet banking. Here you can choose the type of prolongation (one-off payment or automatic), the period of time and the amount to be deposited.  In the event of a prolongation, your fixed-deposit will be calculated and the determined amount set by you will be invested. It is important that your fixed-deposit clearing account has the necessary amount for the investment at its disposal.

Expiration of the validity period 
At the end of the validity period, your invested capital including interest minus capital gains tax is available to you on your Festgeld settlement account

  • you can flexibly save further with the Anadi Online Sparen where your money is at your disposal
  • you can withdraw and transfer your savings with an internet banking transfer to your reference account
     
Do you have any questions? We would be happy to help.

 

Our Customer Care Center is available to you on +43 (0) 50202 0 from Mondays to Friday from 7:30 a.m. to 6:00 p.m. You can find more answers about our Anadi Online Festgeld in our FAQs section.

Have you changed your personal information?


If your personal information changes, please fill out one of the following forms for reporting changes.

 

All information provided without guarantee, subject to alteration. The provisions of the "Framework agreement for the Anadi Online Festgeld" and the "Single instruction to sep up an Anadi Online Festgeld" apply exclusively. Last updates: August 2016