Anadi Online Account
The free online account with top additional services.
Open a new free online account at Anadi Bank now for your ongoing salary/wage/pension payments – easy to do online.
You have the choice
Free online salary/pension account 1
For monthly salary/wage/pension payments of at least EUR 300 per month.
|Maestro ATM card with standard transaction limit for one account holder|
|Online banking & app, tresorTAN app|
|After three salary/wage/pension amounts have been paid in, an overdraft facility is available on request.|
|After three salary/wage/pension amounts have been paid in, a PayLife Classic credit card is available on request.|
|Online saving at 1.11% p.a. less capital gains tax|
Fee for management for an online current account: EUR 4.81 p.m. (from April 1, 2019 EUR 4.91)
If you do not have any monthly salary/wage/pension payments coming in, the online current account is available for you.
|Account management EUR 4.81 p.m. (from April 1, 2019 EUR 4.91)|
|Maestro ATM card with standard transaction limit for one account holder free of charge|
|Online banking & app, tresorTAN app free of charge|
|Online saving at 1.11% p.a. less capital gains tax|
An overdraft facility gives you more
Upon request, you can have an overdraft facility of up to twice
your monthly net receipts (maximum EUR 5,000) set up, after just three
salary/wage/pension amounts of at least EUR 300 per month have been paid in.
Free credit card
To give you more flexibility when making payments, you will
receive a PayLife Classic credit card after three wage/salary/
pension amounts of at least EUR 900 per month have been
paid in. Once the annual turnover on your credit card has
reached EUR 3,000 and above, the credit card is free of charge.
Open an account easily,
securly and free of charge online
You can open an online account easily from home.
We offer you: online account opening, online video
legitimization, and online account switching.
Online Banking & tresorTAN App
Banking that is perfect for you. Simple and innovative,
using your desktop, laptop, smarthpone or tablet.
With the free tresorTAN signing method, we provide you
with an easy and secure signing method for your orders.
Step 1 – Completing your online application to open an account.Complete your application to open an online account including online saving, Online Banking & app and the Maestro ATM card online on our secure website. This will save valuable time. Click the “OPEN AN ONLINE ACCOUNT NOW” button and start the online account opening process.
In the course of opening your account, you will be asked what means of identification you want to provide. You have the following options:
You can identify yourself easily, quickly and securely with online video legitimization. In a few steps, you can confirm your identity online on your desktop computer or mobile terminal (tablet, smartphone). After you have completed the online account opening process, we will send you a link to our video identity verification platform. Click this link to start your online identity verification with our cooperation partner WebID Solutions GmbH in Germany.
OR you can provide identification by postal correspondence. You will receive your personal account opening documents by post. To confirm your identify, please send us a copy of a valid photo ID (passport, personal ID card or EU driving licence card) by post. You can also use the convenient upload function in Online Banking to send us a copy of a valid photo ID (passport, personal ID card or EU driving licence card).
After you have pressed the “Confirm” button, your user number will be displayed. Together with the user name (which you define yourself) and your PIN, you can call up the status of your online account opening process at any time in Online Banking.
Please note the following when providing confirmation of identity for joint accounts.
Online video legitimization: After you have completed your online account opening, we will send each account holder a separate link for online identity verification. Click this link to start your online identity verification with our cooperation partner WebID Solutions GmbH in Germany.
Confirmation of identity by post: Would you prefer to confirm your identity by postal correspondence? If so, when you send the signed documents, please also enclose a copy of a valid photo ID (passport or personal ID card) for the second account holder.
Step 2 – Signing your account opening application.Once you have identified yourself by online video legitimization you will receive your personal account opening documents in your Online Banking. Download the documents, sign them by mobile phone signature and return them via Online Banking.
Would you pfrfer to receive the account opening documens by post? Complete the account opening documents that have been sent to you in full, sign them and return them to us with a copy of your valid photo ID (passport, personal ID card or EU driving licence card) in the Anadi return envelope which is provided free of charge.
Step 3 – What happens next.As soon as we have received all of your account opening documents and have made sure that everything is in order, your online account will be activated. We will inform you by email when you can start using your online account. A few days later, you will receive your free Maestro ATM card by post.
Step 4 – Credit card & overdraft facility.At your request, we will provide an overdraft facility in the amount of up to twice your net monthly salary (but not more than EUR 5,000). For your convenience, we will send you the corresponding application documents through your Online Banking. It is a precondition that three salary/wage/pension amounts of at least EUR 300 per month per account holder have been paid in.
The issuing of a Paylife Classic credit card requires regular salary/wage/pension amounts of at least EUR 900 per month to be paid into the account for each account holder. You can order your credit card after the third salary/wage/pension payment in the above amount has been paid into your online account and after you have signed a separate card application. For your convenience, we will send you the corresponding application documents through your Online Banking. If the annual turnover on your credit card is EUR 3,000 or above for each account holder, the PayLife Classic credit card is entirely free of charge. Read more about credit card costs.
- You must be a private individual (a natural person using the account for private purposes)
- You must be at least 18 years old
- You must have your main residence in Austria
- You must open the account in your own name and on your own account, i.e. an Anadi online account cannot be opened in anyone else’s name
- Suitable documents for legitimation:
- In case of online video legitimization: valid photo ID (passport, personal ID card or EU driver's license card)
- In case of confirmation of identity by post: gvalid photo ID (passport or personal ID card)
Unless otherwise indicated, the following provisions apply in regard to all variants of the online account.
The online account is used for processing the customer’s payment transactions. Online accounts are managed exclusively in euros.
The account holder must be a natural person of majority age who has his/her main residence in Austria. Anadi Bank can allow the account to be managed as a joint account with a maximum of two account holders each having individual powers of disposal who meet the above criteria; however, there is no entitlement to such an account and Anadi Bank can also refuse to provide such an account, without stating reasons. The appointment of authorised signatories and disposal over the account by persons who have been given power of attorney are not possible.
To dispose of amounts in the account, in addition to the integrated instruments of Online Banking & app and cards, the customer can also use the branches of Anadi Bank (self-service areas and cashier’s desks) under the respectively valid conditions, in accordance with the scope of services offered. The issuing of orders and the provision of information by email is not possible, but customers’ requests can be accepted by telephone or fax, following separate agreement.
The credit balance on the online account is payable on demand, without any notice period. The interest on the account is subject to the stated conditions. Capital gains tax (CGT) at the current rate of 25% is deducted by the bank for the customer and transferred to the competent tax office in Austria. In addition, other taxes and other costs can arise for the customer which are not deducted via Anadi Bank or charged by Anadi Bank.
Unless any different agreement applies, the online account is balanced quarterly with interest added/deducted on the last day of the month.
Anadi Bank is entitled, but not obliged, to tacitly accept overdrawings on the account (overdrawing pursuant to § 23 of the Austrian Consumer Credit Act (Verbraucherkreditgesetz)).
|Credit interest rate*||0.10% p.a less capital gain tax|
|Debit interest rate*||7.00% p.a.|
|Interest rate for over-the-limit transactions*||5.00% p.a.|
|Overdraft limit of up to 2 times the monthly net income (max. EUR 5,000) possible**.|
* There is no entitlement to dispose of any amounts in excess of the available account balance. If the bank nevertheless tolerates disposals in excess of the available account balance, the debit interest rate agreed with the account holder in the following paragraph will be charged for debit balances of up to EUR 0.00. For debit balances greater than EUR 0.01, the debit interest rate agreed with the account holder in the following paragraph plus the agreed interest rate for overdrafts/over-the-limit transactions will be charged.
Credit interest rate: 3-month Euribor less 5 percentage points, at least 0.01% p.a. (less capital gains tax)
Debit interest rate: 3-month Euribor plus 7 percentage points – the minimum debit interest rate is 7.00% p.a. (online salary/pension account)
Interest rate for overdrafts/over-the-limit transactions: 5.00% p.a. for payments in arrears where the payment default has been caused by the account holder/s; in that case, default interest will be charged in addition to the agreed interest on debit balances and will be calculated on the basis of the amount in respect of which the account holder/s is/are culpably in default. The specific amount of default interest and the compound interest resulting therefrom will be charged on a prorated basis in the context of the contractually agreed account settlement.
Interest rate adjustment EUR current accounts:
The rate adjustment shall take place on a quarterly basis on the first of January, April, July and October (1.1., 1.4., 1.7. and 1.10.) of each year (“adjustment dates”), based on the average rates of the 3-month Euribor (= indicator, published on the Euribor web page of the European Money Market Institute (www.emmi-benchmarks.eu)) for the months of November, February, May and August, and shall enter into effect on those adjustment dates. In the absence of any other agreement, this regulation also applies in respect of the determination of the first indicator value (“initial value”).
The interest rate will be adjusted for the number of percentage points by which the indicator has changed during the reference period. Any adjustments are commercially rounded to tenths of percentage points.
Anadi Bank undertakes to inform me/us concerning changes to the interest rate based on changes in the indicator, and also concerning the adjusted level of the interest rate, regularly every quarter by means of my account statement. The above minimum debit interest rate is not affected by this interest clause; the customer is thus obliged to pay the above-indicated minimum debit interest rate even if a lower debit interest rate would apply on the basis of the interest clause. The applicability of the agreed interest clause is not affected by the attainment of the minimum debit interest rate.
For periods during which the calculated credit interest rate for the account falls below 0.01% per annum, any credit balances held in the account will accrue interest at 0.01% (less capital gains tax) per annum. The applicability of the agreed interest clause is not affected by the attainment of the minimum credit interest rate.
**Overdraft facility: An overdraft facility requires regular salary/wage/pension amounts to be paid into the account and is provided after the 3rd salary amount has been paid into the online salary/pension account, and after a corresponding application has been signed. If these minimum amounts subsequently cease to be paid into the online salary/pension account, Anadi Bank reserves the right to terminate the overdraft facility immediately.
|Account management *||free of charge|
|All electronic postings, e.g. direct debit orders, transfers via Online Banking , standing orders, transactions at ATMs, etc.||free of charge|
|Account statements via online banking||free of charge|
|Set-up, change and deletion of standing orders via online banking||free of charge|
|Online account switching||free of charge|
|Online video legitimization||free of charge|
|Transaction at self-service terminals(e.g. transaction, cash payment)||EUR 0.51 (from April 1, 2019 EUR 0.52)|
|Transactions at cashier’s desk at Anadi Bank (z.B. cash withdrawal, cash payment, transfer)||EUR 1.94 (from April 1, 2019 EUR 1.98)|
|Post-processing of incorrect SEPA transfer||EUR 7.37 (from April 1, 2019 EUR 7.53)|
|Account statements via self-service bank statement printer||EUR 0.40 (from April 1, 2019 EUR 0.41)|
|Signing a transaction with mobileTAN||EUR 0.12|
|Other notifications that are required on particular occasions (e.g. sending of Austrian Anadi Bank AG’s schedule of fees and charges pursuant to § 35 of the Austrian Banking Act (BWG)) – online via online banking & app||free of charge|
|Other notifications that are required on particular occasions (e.g. sending of Austrian Anadi Bank AG’s schedule of fees and charges pursuant to § 35 of the Austrian Banking Act (BWG)) – postal delivery||EUR 10.23 (from April 1, 2019 EUR 10.46)|
|Reimbursement of costs for rejection of electronic/paper-documented customer delivery due to insufficient cover||EUR 6.44 (from April 1, 2019 EUR 6.58)|
|Non-execution of standing order due to insufficient funds||EUR 6.99 (from April 1, 2019 EUR 7.14)|
|Payment printed receipt charge for cash payments at cashier’s desk Anadi customer into another account at Anadi Bank||EUR 6.00|
|Payment printed receipt charge for cash payments at cashier’s desk/Anadi customer into an account at another bank||EUR 6.00|
* It is a precondition that ongoing amounts of at least EUR 300 in the form of salary/wages/pension are paid into the account every month. If these payments in the foregoing monthly minimum amount are consistently not paid into the account for a period of 3 months, then from the following month onwards the conditions and features for the online current account will apply. If a credit card and/or an overdraft facility has also been provided for the online salary/pension account, Anadi Bank reserves the right in this case to collect or immediately block the credit card and terminate the overdraft facility.
The above-stated prices and services are merely an extract from the currently applicable schedule of fees and charges of Austrian Anadi Bank AG pursuant to § 35 of the Austrian Banking Act (BWG), as displayed for inspection in the counter area. Upon request, we will make the schedule of fees and charges of Austrian Anadi Bank AG pursuant to § 35 BWG available to you in your online banking environment. Please request the schedule of fees and charges by sending an email to firstname.lastname@example.org an.
|Maestro ATM card with Standard transaction limit Standard transaction limit: up to EUR 400.00 cash withdrawal per day and up to EUR 1,100.00 POS transaction limit per week||free of charge|
|Further Maestro ATM card with standard transaction limit Standard transaction limit: up to EUR 400.00 cash withdrawal per day and up to EUR 1,100.00 POS transaction limit per week||EUR 27.95 (from April 1, 2019 EUR 28.56)|
|Reorder of Maestro ATM card with unchanged sequence number||EUR 10.74 (from April 1, 2019 EUR 10.98)|
|Reorder of Maestro ATM card with new sequence number||EUR 27.95 (from April 1, 2019 EUR 28.56)|
|Transaction charge for Maestro ATM card - In non-EU countries and in foreign currencies - ATM withdrawal**||EUR 1.82 plus 0.75 % of the amount withdrawn/transaction|
|Transaction charge for Maestro ATM card - In non-EU countries and in foreign currencies - Card payment**||EUR 1.09 plus 0.75% of the payment amount/transaction|
*The limits cannot be increased. The requested Maestro ATM card(s) will be ordered by Anadi Bank immediately after the online account is opened.
**Charged directly by the clearing bank Payment Services Austria GmbH.
Not included are any third-party fees agreed by the customer for cash disbursements at ATMs in Austria and abroad and fees charged by foreign POS terminals or ATM operators abroad. The fee is charged to the cardholder’s checking account together with the disbursement or payment amount.
For customer cards, the "Customer Guidelines for the Card Service and the Contactless Function" apply.
|PayLife Classic credit card (VISA oder MasterCard) per account holder for an annual turnover between EUR 0.00 bis EUR 999.99||currently EUR 22.00 p.a.|
|PayLife Classic credit card (VISA oder MasterCard) per account holder for an annual turnover between EUR 1,000.00 bis EUR 2,999.99||currently EUR 11.00 p.a.|
|PayLife Classic credit card (VISA oder MasterCard) per account holder with an annual turnover of EUR 3,000.00 and above||free of charge|
|Cash withdrawals*||3.30% of the amount withdrawn, EUR 3.50 minimum charge per withdrawal|
|Handling*||1.65% of transactions and cash withdrawals in non-EU countries or in foreign currencies, with the exception of transactions/withdrawals of EUR in Norway, Iceland and Liechtenstein and of SEK within the EU|
The issuing of a credit card requires that regular salary/wage/pension payments in the amount of at least EUR 900 per account holder are paid into the account every month. A card can be provided after the third salary/wage/pension payment in the corresponding amount has been paid into the online salary/pension account and after a separate card application has been signed.
If these minimum payments into the online salary/pension account subsequently cease, Anadi Bank reserves the right to collect/block the credit card immediately.
The scale of turnover is a voluntary, non-binding bonus provided by Anadi Bank on the annual charge for the PayLife Classic Card, and there is no legal entitlement to its being granted in future, irrespective of the annual turnover achieved in the contract year for the card. The calculation of the annual turnover is based on the turnover in payment for goods purchased with the PayLife Classic Card (no cash withdrawals, no charges/costs, no advance payments). This bonus can be changed or suspended by Anadi Bank at any time.
The bonus equals the current annual charge for the PayLife Classic Card as a maximum. Any bonus on the basis of the annual turnover achieved will be automatically taken into account in the settlement of the annual charge by SIX Payment Services GmbH.
It is not possible to have an upgrade to another credit card product or to apply for another credit card product for the online salary/pension account.
*These charges are made directly by the credit card company. Further charges for credit cards are set out in the Terms and Conditions of SIX Payment Services GmbH, which can be inspected at any time at www.paylife.at.www.paylife.at
You have opened an Anadi Bank online account. To ensure that your payment transactions – both incoming and outgoing – can be processed as quickly as possible via your new Anadi account, you now need to give authorisation for your old account to be switched to your new Anadi account. There are several ways you can do this:
Account switching online from home
You can authorise the switch now free of charge via the online account switching service provided by our cooperation partner FinReach GmbH in Germany.
Make sure that you have the IBAN for your new Anadi online account and the internet banking access details for your old account to hand. Go to https://anadi.kontenwechsel.at/ where the account switch can be carried out in a few simple steps. With the new online account switching tool from FinReach, the switch can be done easily from home.
- The payment partners are recognised automatically. Direct debits, standing orders and cash receipts are listed.
- You check all details and decide when you want payment processing via your new Anadi account to start and who is to be informed about your new bank details.
- An information letter addressed to your payment and contracting partners will be automatically generated through your new account. You sign via smartphone signature or with your computer mouse.
- An information letter addressed to your payment and contracting partners will be automatically generated through your new account. You sign via smartphone signature or with your computer mouse.
How does online account switching with FinReach GmbH in Germany work?
In this short video presentation, you can watch the individual steps showing exactly how you carry out the account switch with the online account switching service provided by FinReach GmbH in Germany.
Account switching at Anadi Bank
If you have opened your Anadi online account, the Customer Care Center will gladly carry out all procedures for your. Call 050202 0 or send an email to: email@example.com
Our free account transfer service includes:
- All communications with your old bank.
- Closing your existing account with your old bank.
- Setting up standing orders.
- We will inform payers who make transfers to your account on a regular basis (e.g. salary/wage/pension payment agencies) as well as payment recipients who debit amounts by direct debit (e.g. insurance companies, phone service providers, etc.) about your new bank account.
Switching the account yourself
If you would like to carry out the account switch yourself, please observe the following points.
- Open the standing orders on the old account in your new account and cancel the standing orders on the old account.
- Employers, the tax office and other agencies which transfer money must be informed.
- All payment partners which collect money from your account by direct debit mandate (e.g. telecommunications providers, energy suppliers, property management companies, etc.) must be informed.
This information should contain your old account details and your new account details, as well as a clear instruction only to collect amounts from the new account from now on.
Some mandates can also be changed to a new account online, e.g. EBay, PayPal and Amazon
- Specify the date on which your old account is to be closed. To ensure that the various payments are taken into account and no negative booking operations (which are subject to a charge) are necessary, we recommend that you keep your old account on for a further 3 months.
- Keep your old account going for a further 2 to 3 months, because direct debits are not always transferred to the new account in accordance with your requirements – businesses do often make mistakes in this regard.
- Once all movement on the old account has ceased, you can cancel it. Cut up your old credit cards and account cards, and enclose them with your termination letter to your old bank. This letter should contain a statement that you wish to close your old account as soon as possible, as well as instructions as to what is to happen to the residual credit balance.
Opening Anadi Online Account - a stone´s throw away.
Open a new online account without even going to your bank!
Open your online account quicker than ever with online video legitimization
More about Anadi Online Account
Below we have the most important information for you to download:
You have already activated the mobile phone signature (Quelle: A-Trust Gesellschaft für Sicherheitssysteme im elektronischen Datenverkehr GmbH) and identified yourself with the online video legitimization. Perfect.
You are only a stone’s throw away from your online account.
You receive your personal account application forms from us sent to you in your online banking. Download the forms and sign them with Handy-Signatur before sending them back to us in online banking..
The next step
As soon as we have received your completed application forms and reviewed them, your online account is activated. We’ll inform you as soon as your online account is good to go.
The Customer Care Center is glad to help you at the telephone number +43 (0)50202 0 from Monday to Friday from 7:30 am to 6:00 pm.
In case anything has changed in your details, we have prepared an amendment form for you.
SEPA (Single Euro Payments Area) refers to an area in which consumers, business owners and other economic operators can make and receive EURO-payments; regardless of the country where they take place. The same basic conditions, rights and obligations shall apply to cross-border payments within the same country. Carry out your EURO transactions within the SEPA countries under uniform conditions as easily and securely as domestic transactions!
- Easy purchase of goods and services in the SEPA area with uniform payment terms and uniform legal framework. This is regulated in Austria under the Payment Services Act.
- Cross-border payments and direct debits are standardised in the SEPA area.
- Shorter implementation times for SEPA payments.
Payments at home:
- Transfer: SEPA-paymentorder
- Domestic Express Payment: Transfer amount is credited to the recipient on the same day. Particularly suitable when the time factor plays a crucial role (e.g. overdue tax office payments).
- Standing Order.
- Direct Debit: SEPA Direct Debit
- Payments abroad or foreign currency payments in Austria.
- International Bank transfer.
- Express payment abroad.
- Standing order.
What new features does SEPA offer for you as a customer?
- Consumers will only need an account at the Austrian Anadi Bank AG. From this account, all transfers, direct debits and card payments in the single European market can be processed in the same efficient manner as domestic payments.
- People who do not live, work or study in their home country, need no additional account besides their account at the Austrian Anadi Bank AG within the SEPA member states.
- The use and acceptance of payment cards will be more efficient, as consumers can use the same card within the SEPA area.
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1 It is a precondition that ongoing amounts of at least EUR 300 in the form of salary/wages/pension are paid into the account every month. If these payments in the foregoing monthly minimum amount are consistently not paid into the account for a period of 3 months, then from the following month onwards the conditions and features for the online current account will apply. If a credit card and/or an overdraft facility has also been provided for the online salary/pension account, Anadi Bank reserves the right in this case to collect or immediately block the credit card and terminate the overdraft facility.