Online Festgeld

Anadi Online Time Deposit

The best interest rate for your savings

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Saving now pays off again! And with Anadi Bank, it reaches new heights: 0.50% p.a.* for 12 months. Secure this special interest rate for your money now. With online Online Video Legitimization, you can open an account in no time at all. 
 

Your advantages.

  • Product advantages

    A fixed term investment and attractive interest rates for your money with adherence to the maturity period.

  • Product advantages

    The compound interest effect. In the case of maturity periods of more than one year, you benefit from the compound interest effect without additional costs.

  • Product advantages

    No fees. Account management, Internetbanking & App, electronic account statements (pdf), Anadi Online Savings – all free of charge.

Open an account now

 

Calculate your Returns with the Anadi Online Interest Calculator

Select an available starting capital and calculate the attainable closing capital minus the capital gains tax.

STARTING CAPITAL
 

2.500,00
PERIOD OF VALIDITY
PERIOD OF VALIDITY
6 months
12 months
 
Interest rate 0.61%
less CGT*
Interest rate 0.81%
less CGT*
6 months
Closing capital
0,00

*Interest accrual starts when the investment amount is credited to the Anadi Online Time Deposit and ends on the last day of the agreed term.
The Anadi Online Time Deposit is balanced at the end of each complete year following the date on which the investment amount was credited to the Anadi Online Time Deposit, with interest added for the respective year ended.
All Information provided without guarantee; subject to alteration. The provisions of the "Kontoeröffnungsantrag Online-Festgeld & Online-Sparen" (Application for opening an Online Time Deposit & Online Saving) , "Kontoeröffnungsantrag Online-Festgeld" (Application for opening an Online-Time Deposit) and the "Einzelauftrag zur Anlage eines Online Festgeld" (Single instruction to set up an Online Time Deposit) apply exclusively.

1. Fill out the account application online

Fill out the account application online. This saves you valuable time.

2. How do you want to legitimize yourself?


Online video identity verification

Video legitimizationSimple, fast and safe. In just a few steps you can confirm your identity online on your computer oder mobile device (tablet or smartphone)

Documents suitable for online video legitimization are a valid passport, personal ID card or EU driving licence card.

The next step
After you have identified yourself via online video identity verification, you get your personal account application form sent to you in your internetbanking. Download the forms, sign and return them to us via internetbanking.

Alternatively, you can also digitally sign the account application forms using your existing "Handy-Signature".

Identity verification by post

BriefwechselverfahrenOR, you decided in favour of the identity verification by post. Then you will receive your account application forms by registered mail.

Documents suitable for identity verification by post are a valid passport or personal ID card.

The next step
With the identity verification by post you receive the account application forms by registered post. Return the completed documents to us with a copy of your valid photo ID (passport or personal ID card) in the free Anadi envelope. 

3. Activation

As soon as we have received your completed application forms and reviewed them,  your online-savings account is activated. We inform you when the starting date for using your online savings account is.

4. Automatic direct debit and transfer

After activation, we carry out a direct debit to the reference account you specified (an Austrian current account in your name) and credit the money to your Anadi Online Savings account (time deposit clearing account). Please ensure that the reference account you provided is active; otherwise it cannot be automatically debited. Afterwards a transfer of a sum from your Online Savings account (time deposit clearing account) to your Anadi Online Time Deposit and your Online Time Deposit becomes active.

 

 

Please note the following preconditions for opening an online time deposit:

 

Minimum and Maximum investment
The Online Time Deposit is a limited term deposit with a one-time payment of a minimum of EUR 2,500.00 and a maximum of EUR 500,000.00 (per client and time deposit campaign) at the beginning of the term and with a fixed interest rate for the agreed-upon term

  • Private persons
  • 18 years of age
  • Main residence in Austria
  • Owner of an Austrian current account in your own name
  • Opened on your own account, meaning that the Anadi Online Savings 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: valid photo ID (passport or personal ID card)
  • When opening an Online Time Deposit, an account is also opened up within the framework of the Anadi Online Savings account, Anadi Online Savings Account which serves the purpose of a time deposit clearing account, and through which your Online Time Deposit is cleared.

Information about interest rates:
Interest accrual begins with the deposit of the invested sum on your Online Time Deposit and ends on the last day of the agreed upon term. The Online Time Deposit is balanced with additional interest accrual for the respective past year after each completed year and from the date the invested sum is credited to the Online Time Deposit.

 

Your possibilities before term end
If, at the end of the term, you want to reinvest the entire amount or a partial amount, then you have the possibility to extend your existing Online Time Deposit up to 24 hours before the termination of the Time Deposit. For this purpose, you can find the option “Prolongation” under the Time Deposit menu and define the kind of prolongation (once or automatically), the term and the investment amount. In the course of prolongation, your time deposit will be balanced and the amount you newly define will be invested.

 
Account opening via Internetbanking free of charge
Account management free of charge
Account closure free of charge
Deposits and withdrawals via Internetbanking free of charge
Change of reference account free of charge
Changes in personal details free of charge
Minimum (per  time deposit tranche and per customer)  EUR 2,500.00
Maximum (per time deposit tranche and per customer)  EUR 500,000.00
 
 
 
 
 

More about Anadi Online Time Deposit

Customer information and conditions

Below we have the most important information for you to download:

General terms of business of Austrian Anadi Bank AG (.pdf)
  • download
Terms and conditions  for the Online Saving (.pdf)
  • download
Terms and conditions for Internetbanking (.pdf) - Only available in German.
  • download
Information concerning the Austrian Distance Financial Services Act (FernFinG) Anadi online products (.pdf)
  • download
For the public seeking to invest, in regard to deposit guarantee schemes and investor compensation as envisaged in §§ 38 (2), 52 ESAEG (.pdf)
  • download
FAQ's to deposit guarantee schemes and investor compensation (.pdf)
  • download
Annex to § 37a BWG depositor information sheet (.pdf)
  • download
General information on payment services for consumers ZADIG (.pdf)
  • download
Reporting duty for US American Account and custody account holders (FATCA) (.pdf)
  • download
Recommendations conerning Internetbanking security (.pdf)
  • download
How to open Anadi online time deposit even faster.

You have already activated the Handy-Signatur (Source: A-Trust Gesellschaft für Sicherheitssysteme im elektronischen Datenverkehr GmbH) and identified yourself with the Anadi Online Video Legitimization. Perfect.

You are only a stone’s throw away from your Anadi online time deposit.
You receive your personal account application forms from us sent to you in your Internetbanking. Download the forms and sign them with Handy-Signatur before sending them back to us in Internetbanking.

The next step
As soon as we have received your completed application forms and reviewed them, your online savings account is activated. We’ll inform you as soon as your online time deposit is good to go.

Do you still have questions? We are pleased to be at your service.

The Customer Care Center is glad to help you at the telephone number +43 (0)50202 0 from Monday to Friday from 8:00 am to 4:30 pm.

Have your details changed?

In case anything has changed in your details, we have prepared an amendment form for you.

The provisions of the "Kontoeröffnungsantrag Online-Festgeld & Online-Sparen" (Application for opening an Online Time Deposit & Online Saving) , "Kontoeröffnungsantrag Online-Festgeld" (Application for opening an Online-Time Deposit) and the "Einzelauftrag zur Anlage eines Online Festgeld" (Single instruction to set up an Online Time Deposit) apply exclusively.

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