Do you still have questions about the Advanzia deposit account?

You can easily apply for a deposit account on our website www.advanziakonto.com.
Here is how it works:

• Confirm personal data
• Identify yourself online with ID and live photo
• Sign online quickly and securely

After successful identification and digital signature, you will receive further information via e-mail.

No, the Advanzia account is used exclusively for investing money. Therefore, there is no bank card for withdrawals in connection with the Advanzia account.

We accept either a valid ID card or passport recognized by the EU/EFTA. If you are not an EU citizen, we accept a residence permit valid in the EU/EFTA.

The Advanzia account can only be managed as an individual account. However, you are welcome to grant a power of attorney for your call deposit account. You can find the relevant form in the customer portal under Legal Documents.

You can change this data independently and at any time in your customer portal.

To change your address, please send us a proof of address (e.g. registration certificate, electricity or telephone bill) by e-mail that is not older than 3 months.

To change your name, please send us the relevant proof (e.g. identity card, marriage certificate, certificate of name change) by e-mail.

To view your deposit account online, please register at mein.advanziakonto.com

You can send us a message at any time using the contact form in the customer portal.

By registering, you will receive the following services free of charge with your Advanzia account:

• You can view your account statements for the last few months at any time
• You can change your personal contact details
• You have an overview of your transactions and interest credits
• You can make withdrawals independently
• You can send us a message at any time using the contact form
• You can view your current account balance at any time

In such cases, you can either contact us using the contact form on the customer portal or you can contact our customer service department by telephone during our business hours from Monday to Friday between 9.00 and 17.00 on 0800 - 880 21 20 (from a German landline) or 00352 - 26 38 75 75 (from abroad or the mobile network).

In such cases, please contact our customer service by e-mail or by telephone during our business hours from Monday to Friday between 9.00 and 17.00 on 0800 - 880 21 20 (from a German landline) or 00352 - 26 38 75 75 (from abroad or the mobile network).

You can access the customer portal via https://mein.advanziakonto.com.

You need an active deposit account with us, a current mobile phone number and an e-mail address registered with us.

Yes, you can view and download account statements via your customer portal. You will also receive the account statement by e-mail. You cannot unsubscribe from this service.

Yes, you can view your account balance there on a daily basis.

You can use the Forgotten login data function on the start page. Here you can choose whether you have forgotten your password or user name. Then simply follow the instructions step by step.

Please contact our customer service by e-mail. Please make sure that your mobile phone number we have in system is correct.

No, we do not offer an app for the deposit account.

Yes, you can have as many reference accounts as you like, but all accounts must be in your name.

If you wish to delete a reference account, please let us know using the contact form on the customer portal.

If you wish to add a new reference account for your deposit account, you simply need to make a payment from your new reference account to your deposit account. Please note, however, that you must be the holder of the new reference account.

Deposits and withdrawals are completely free of charge. Deposits within the EU may not cost more than a domestic transfer (you can find out the fees for your transfer from your bank).

No. The Advanzia account and the credit card are two separate products and cannot be combined or offset against each other. It is therefore not possible to debit your credit card bill from your Advanzia account.

Deposits from company accounts are not permitted.
Also, payments in can only be made from an account in your name within the EU/EEA. Please note that in some cases only one name is transmitted for deposits from joint accounts. In such cases, you will be contacted by us.

Withdrawals can only be made to an account from which you have already made a payment in. Payouts to third-party accounts are not possible.

You can only initiate withdrawals from your Advanzia account via your personal customer portal mein.advanziakonto.com.

It is not possible to collect your payment by direct debit. Payments can only be made by bank transfer.

The recipient verification (also called Verification of Payee) is a security procedure used by the payer's bank. It verifies whether the recipient's name specified in the transfer order matches the recipient's IBAN.

No. The relevant regulation only applies to banks that offer SEPA transfers, are considered payment service providers, and maintain payment or checking accounts. Since Advanzia Bank S.A. does not offer payment or checking accounts, we are not subject to this regulation.

Recipient verification currently applies only to transfers, not to direct debits.

Please carefully check the data you entered—especially the IBAN and the full name of the recipient.

• If the information is correct, you can proceed with the transfer.
• If the information is incorrect, cancel the process and correct the data.

In this case, please contact your reference bank. As the recipient bank, we have no impact on the proper execution and processing of your transfer.

The interest income is credited to your Advanzia account monthly without deduction of tax (exception: customers resident in Luxembourg). As part of the automatic exchange of information, Advanzia Bank S.A. will report the amount of your interest income to the relevant tax authorities on an annual basis. However, this exchange of information does not release you from the obligation to report your interest income in your annual tax return.

You can view the interest rate applicable to you for the Advanzia account on your monthly account statements. You can find your account statements on your customer portal.

As the interest is credited monthly and accrues interest in the following month, the so-called compound interest effect is created. This is why there is a nominal interest rate and an effective interest rate. As banks credit interest on different dates, you can only compare the effective interest rate.

Interest is calculated according to the following formula:

Interest = (deposits x nominal interest x interest days) / (365 x 100)

Please note that interest is paid on your credit balance on a daily basis. Interest is credited at the end of each month and is shown separately on the account statement.

As Advanzia Bank is based in Luxembourg, it is not possible to set up an exemption order. Your interest income will be reported to the tax office responsible for you. This means that we do not pay any taxes. If the exemption amount is exhausted, it is your responsibility to report this accordingly.

As Advanzia Bank is based in Luxembourg, it is not possible to submit a non-assessment certificate. The interest income is reported to the tax office responsible for you.

The minimum deposit on the Advanzia account is . From this deposit onwards, interest is paid on your entire balance.

The TIN (Tax Identification Number) is your personal tax identification number.

The annual interest certificate will be made available to you within the first 3 months of each year.