Anadi Prime-Konto - Bestes Preis-/Leistungsverhältnis

Anadi Prime Account

The Anadi Prime Account for cost-conscious customers

 

With the Anadi Prime account you will find your true centre, clearly tailored to your financial habits and having a highly positive effect on your banking life. The Anadi Prime account provides you with a fantastic all-round package at an attractive price/performance ratio.

Your advantages

  • Product advantages

    Inexpensive account management with 30 automated and self-service transactions per month free of charge
     

  • Product advantages

    Free Maestro ATM card and credit card for one account holder

  • Product advantages

    Attractive debit interest rate

Maestro ATM card free of charge for one account holder with standard transaction limit. Standard transaction limit: up to EUR 400 ATM card limit per day and up to EUR 1,100 POS terminal limit per week
PayLife Classic credit card free of charge for one account holder if the annual transaction volume is EUR 3,000 or more
30 automated and self-service transactions per month free of charge: for example, cash withdrawals at ATMs, payment at POS terminals, standing order and direct debit transfers, transfers and cash deposits at self-service terminals, transfers in online banking
Online banking & app with tresorTAN, telephone banking
Account statement in online banking
Overdraft facility of up to 3 times the monthly net income available (max. EUR 20,000)*

*Subject to a positive credit assessment and regular payments into the account in the form of salary/wage/pension.

Credit rate 0.01% p.a. less. capital gains tax*
Debit rate 7.00% p.a.*
Overdraft rate 5.00% p.a.

*Interest rates are adjusted quarterly on the basis of the 3-month Euribor plus a mark-up (debit interest)/less a mark-down (credit interest less capital gains tax[KESt]). The agreed surcharge (interest on debit balances) is regarded as the minimum interest rate.

Account management fee quarterly EUR 25.06
Each additional automated and self-service transaction over and above the 30 free transactions per month EUR 0.41
Transactions at the counter EUR 1.98
Account statement from statement printer EUR 0.41
Customer card
Maestro ATM card free of charge for one account holder with standard transaction limit. Standard transaction limit: up to EUR 400 ATM card limit per day and up to EUR 1,100 POS terminal limit per week for one account holder Included
Further Maestro ATM card free of charge for one account holder with standard transaction limit. Standard transaction limit: up to EUR 400 ATM card limit per day and up to EUR 1,100 POS terminal limit per week for one account holder EUR 28.56 p.a.
Transaction charge for Maestro customer 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 customer card - In non-EU countries and in
foreign currencies - Card payment*
EUR 1.09 plus 0.75% of the payment amount/transaction

* 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.

Customer Guidelines for the Card Service and the Contactless Function(.pdf)
  • download
PayLife credit cards
PayLife Classic credit card (VISA oder MasterCard) per account holder for an annual turnover between EUR 0.00 and EUR 999.99* currently EUR 22.00 p.a. (100%)
PayLife Classic credit card (VISA oder MasterCard) per account holder for an annual turnover between EUR 1,000.00 and EUR 2,999.99* currently EUR 11.00 p.a. (50%)
PayLife Classic credit card (VISA oder MasterCard) per account holder with an annual turnover of EUR 3,000.00 and above* currently 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
Each additional credit card for the Anadi Prime account Annual fee depending on product selected

* Issued subject to a positive credit assessment and regular payments into the account in the form of salary/wage/pension payments.
The purchase transaction scale is a voluntary, non-binding bonus provided by Anadi Bank on the annual fee for the PayLife Classic card and applies depending on the annual turnover in the contract year of the card, without any legal entitlement to future application. The calculation of the annual turnover is based on the turnover in payment for goods purchased with the credit card (cash withdrawals, fees/costs and advance payments are excluded). This bonus can be changed or suspended by Anadi Bank at any time. The maximum bonus amount equals the annual fee for the credit card as applicable at the time. Any bonus based on the annual purchase transaction turnover is automatically taken into account by the credit card company in the annual fee statement. An upgrade to another credit card product using the purchase transaction scale is not possible with the Anadi Prime account; however, the customer is free to select another product subject to payment of full costs by the customer.  
**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

Terms and Conditions for the Anadi Prime Account (.pdf)
  • download

The above prices and services are purely an extract from the currently applicable notice of charges pursuant to § 35 of the Austrian Banking Act [BWG] as charged by Austrian Anadi Bank AG, which is available for inspection in the counter area. 

 


Cash availability 24/7

Maestro ATM card free of charge for one account holder.
It offers you independence and is the key to your account.


More informationen


 

An overdraft facility gives you
more financial freedom.

Upon request you will receive an overdraft facility of up to three times
your monthly net salary (maximum overdraft amount EUR 20,000).


Free credit card

To give you more flexibility when making payments, you will receive
a PayLife Classic credit card.


Once the annual turnover on your credit card has reached EUR 3,000
and above, the credit card is free of charge.

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.


 

More about Anadi Prime Account

Freedom à la carte – with your credit card.

With the Anadi Prime account you will receive a PayLife Classic credit card, which is free of charge for one account holder if the annual transaction volume is EUR 3,000 or more.

The issuing of a credit card is in particular subject to a positive credit assessment and regular payments into the account in the form of salary/wage/pension payments.

The card provides you with a means of payment which is welcomed all over the world, enabling you to pay for goods and services up to 5 weeks later.

SEPA – a single Euro Payment Area

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
     
Foreign Payments:
  • 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.
     
General information on payment services for consumers (.pdf)
  • download
How secure is your account with Austrian Anadi Bank?
You can rest assured about the money in your current account.

The statutory deposit guarantee system protects your capital and interest in:

  • savings accounts
  • current accounts
  • building savings accounts

up to a total amount of EUR 100,000.00 per depositor per insured bank.

Learn more about the statutory deposit guarantee.

Read more
Changing accounts is quick and easy.
You want to become a customer of the Anadi Bank? We will handle the account switch as quickly and easily as possible in a competent way, free of charge and without the bureaucracy.

The current account is the basis for all of your financial cash flow. This includes cash withdrawals, deposits, transfers and much more. All this must be perfectly adapted to your personal needs, to operate seamlessly and ultimately save time. Switch your current account to the Anadi Bank today and reap the benefits from the get go.

We will do all the paperwork for you and in absolutely no time at all you can enjoy the features of your new account.

Switching accounts includes the following services free of charge:

  • All communication with your existing bank.
  • Closing the account at the existing bank.
  • Selection of a tailor-made account to meet your personal needs.
  • Opening the new account, including e - banking access and card request.
  • Setting up standing orders.
  • Payers who make recurring incoming transfers to their account (e.g. salary/pension payment agencies) and payees who collect cash amounts by direct debit (e.g. insurance companies, telephone suppliers etc.) are informed by us concerning the new bank account.
     
Information concerning the account switching service of Austrian Anadi Bank AG for consumers as envisaged in § 15 of the Austrian Consumer Payment Account Act (VZKG) (.pdf)
  • download

FAQ

 

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