FAQ

Overview of Topics

Internetbanking

What Does DenizBank AG Internetbanking Offer Me?
How Can I Apply for DenizBank AG Internetbanking?
What Are the Requirements for Internetbanking?
How Can I Log In to Internetbanking?
How Do I Receive My Log-In Details?
How Do I Receive My PIN?
What Do I Need to Take into Consideration at the First Log-In?
Which Criteria Do I Need to Apply when I Change My PIN?
How Can I Order New Log-In Data?
What Is an Own Account Transfer?
Can I also Transfer via the Function “Own Account Transfer“ to My Reference Account at a Foreign Bank?
How Can I Make Domestic or EU transfers?
Do I Have to Pay for Domestic or EU Transfers?
Can I Also Carry Out Transfers Outside the EU?
Do I Have to Pay for Foreign Transfers?
Can I Also Carry Out Transfers from My Daily Due Deposit Account?

Online Saving

Online Deposit Accounts

How Can I Open an Online Deposit Account at DenizBank AG?
When Do I Receive My Log-In Data?
Why Do I Need a Payment Account?
What Is an Ident.Brief?
I Have an Online Account at DenizBank AG: Can I Still Withdraw Money at a DenizBank AG Branch?

Payment Account

What Is a Payment Account?
How Can I Open a Payment Account?
What Are the Fees for the Payment Account?
What Is the Interest Rate of a Payment Account?
I Have a Payment Account at DenizBank AG. Can I Start Saving Immediately?

Daily Due Deposit Account

What Is a Daily Due Deposit Account?
How Can I Open a Daily Due Deposit Account?
What Is the Interest Rate of a Daily Due Deposit Account?
What Are the Fees Associated with a Daily Due Deposit Account?
How Many Daily Due Deposit Accounts Can I Open?
What Is the Minimum Deposit for a Daily Due Deposit Account?
How Do I Pay My Deposit?
Can I Make Domestic and International Transfers from my Daily Due Deposit Account?
When Will the Interest Amount Be Credited to My Daily Due Deposit Account?

Time Deposit Account

What Is a Time Deposit Account?
How Can I Open a Time Deposit Account?
What Are the Terms of Time Deposit Accounts?
What Is the Minimum Deposit at Time Deposit Accounts?
How Do I Pay My Deposit?
Where Is the Accumulated Interest Credited to?
What Do I Need to Consider When Opening a Time Deposit Account?
How Many Time Deposit Accounts Can I Open?
What Do I Need to Do at the End of the Term?
Is the Interest Rate Guaranteed?
What Are the Fees for a Time Deposit Account?
How Can I Cancel My Time Deposit Account Before Maturity?
Which Interest Rate is charged in the Case of Early Closing of the Time Deposit Account?

Deposit Insurance

Up to What Limit Are My Deposits Insured?
Is the Deposit Insurance Valid per Account / Savings Account or per Person?
I Have an Account / Savings Book at Bank X and Another One at Bank Y. What Happens if Both Banks Go Bankrupt?
Is there a Deductible?
Which Deposits Are Covered by the Deposit Guarantee?
What about the Deposits of Minors?
What about Funds on Trust Accounts?
Can a Bank Escape from the Protection Scheme?
What Types of Protection Schemes are there in Austria?
Which Depositor / Investor Is not Secured?
Which Credit Is Covered by the Investor Compensation?
What Happens to the Securities in a Securities Account in the Event of Bankruptcy of the Depository Institution?
Differences Between Deposit Guarantee and Investor Compensation:
What Happens if the Protection Scheme Does not have Enough Funds?
What Happens to My Deposits and Loans in the Event of Bankruptcy of a Financial Institution?
How Does One Find out which Protection Scheme Belongs to a Bank?
How Does the Deposit Insurance Work for Joint Accounts?
Security Deposits

smsTAN Verification

What Is a TAN
How Does smsTAN Verification Work
What are the Costs of smsTAN Verification
How Can I Change My Phone Number for the smsTAN
 

pushTAN Verification

How does pushTAN verification work?

S€PA – Payment transactions without borders

SEPA (Single Euro Payments Area) is standardizing cashless payment transactions within Europe.

The participating countries include the 28 EU Member States plus Norway and Liechtenstein as Member States of the European Economic Area (EEA), together with Monaco and Switzerland.

As of 1 February 2014, SEPA will likewise change the cashless payment transaction system in Austria. Banks and savings institutions (Sparkasse) are required to execute transfers and direct debits made in Euro in accordance with a standardized European-wide scheme.

The IBAN (International Bank Account Number) replaces your account number; the BIC (Business Identifier Code) replaces your bank code.

Would you like more information about SEPA or do you have any particular questions?

For more information, please read

FAQ Private Customers

Who does SEPA affect?
What will the conversion to SEPA cost me?
Is the new scheme really safer?
So what is the IBAN?
Where do I get my IBAN from?
What exactly is the BIC?
Do I have to modify my standing orders?
What changes will I notice in relation to bank transfers?
What benefits do I have with SEPA transfers?
Is it not true that SEPA transfers are even faster than inland bank transfers have been to date?
Are there new pre-printed payment transaction forms for Euro transfers (SEPA)?
What are the main changes to direct debits?
Are previous direct debits still valid?
Do I have to independently issue new direct debit collection mandates?
What is the Core Direct Debit Scheme?
What rights of recourse do I have, if an amount is wrongly debited?
What is the situation with standing orders and bank transfer slips?
Will there be any changes to my reference account?
Will there be any change to my online banking log-in details?

FAQ Corporate Customers

Where can I obtain my business partner’s IBAN and the BIC?
What is a creditor identifier?
Where can I obtain my creditor identifier?
Are there new pre-printed payment transaction forms for Euro transfers (SEPA)?
Are there new pre-printed payment transaction forms for the SEPA Direct Debit Scheme?
From when will I be able to use the new SEPA Direct Debit Scheme?
What are the benefits of these changes?
What are the legal consequences of the switch from the post-authorised to the pre-authorised direct debit scheme?
Are there any changes regarding the submission of direct debit payments under the direct debit authorisation scheme?
What is a direct debit collection mandate in a legal sense?
What is a pre-notification?
Is it possible for the 14-day period for issuing the pre-notification to be reduced by the payee's general terms and conditions?
Is a SEPA Core Direct Debit authorised even without pre-notification?
What is the situation with standing orders and bank transfer slips?
Will there be any changes to my reference account?
Will there be any change to my online banking log-in details?

Everything you need to know about the IBAN!

Use our Smartphone-App and its practical IBAN calculator. Simply enter the account number and you're good to go! For more information or an appointment please get in contact with us. Call our Contact Center 0800 88 66 00. We will be happy to assist you!
Bildquelle: European Payments Council
If you have further questions, please call our toll-free number 0800 88 66 00 or submit us your question by filling out the Contact Form.