Degussa Bank AG

Business Summary

Services
retail banking
corporate banking
insurance
brokerage
Products
Area Served
Germany

Degussa Bank AG provides products and services in the areas of retail banking, corporate banking, insurance, brokerage. The range of products offered by Degussa Bank AG includes current accounts, debit cards, credit cards, savings accounts (0.01 - 0.11 %), time deposit accounts (0.01 - 0.65 %), consumer loans (2.69 - 2.69 %), car loans (2.69 - 2.69 %), mortgage loans (0.25 - 1.45 %), trading accounts.

Account Opening
submit online application
branch visit

Opening an account with Degussa Bank AG can be done by performing the following steps: submit online application, branch visit.

Ways to Bank
branch
online banking

Products and services offered by Degussa Bank AG are available at its branches and via its online banking system.

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

The following current accounts are offered by Degussa Bank AG.

Updated on 14 December 2019

Degussa Basic
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Degussa Basic
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
7.50 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Debit card available
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents
Degussa Basic
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
9.90 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Degussa Basic
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
9.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
7.50 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Debit card available
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents
Degussa Premium
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
9.90 %
Annual Costs
150.00 EUR
Current Account Details
Product Name
Degussa Premium
Account Currency
EUR
Annual Costs
150.00 EUR
Interest Rate (p.a.)
9.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents
Degussa Premium
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
150.00 EUR
Current Account Details
Product Name
Degussa Premium
Account Currency
EUR
Annual Costs
150.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
0.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
Free debit card
Free credit card MasterCard
Account be can accessed via online banking, phone, branch
Available to German residents
GiroDigital
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
9.90 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
GiroDigital
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
9.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
7.50 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Debit card available
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents
GiroDigital
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
GiroDigital
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
7.50 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Debit card available
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents
GiroDigital Plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
GiroDigital Plus
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents
GiroDigital Plus
Sales Region
Germany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
9.90 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
GiroDigital Plus
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
9.90 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
64.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features
No annual fees
Free debit card
Credit card MasterCard available
Account be can accessed via online banking, phone, branch
Available to German residents

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

Degussa Bank AG offers the following savings accounts.

Updated on 14 December 2019

Firmentagesgeld
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.11 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Firmentagesgeld
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.11 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
12 times a year
TOPZins Online-Konto
Sales Region
Germany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
TOPZins Online-Konto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.01 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Savings accounts made with Degussa Bank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on savings accounts by non-residents of Germany is not taxed. Interest gained on savings accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by Degussa Bank AG from the savings account.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Degussa Bank AG offers the following time deposit accounts.

Updated on 14 December 2019

FestgeldOnline-Konto
Sales Region
Germany
Investment Amount
500 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.02 %
Deposit Term
3 - 12 months
Time Deposit Account Details
Product Name
FestgeldOnline-Konto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.02 %
Min. Deposit Term
3 months
Max. Deposit Term
12 months
Min. Investment Amount
500 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year
SparbriefOnline
Sales Region
Germany
Investment Amount
500 - 999,999 EUR
Interest Rate (p.a.)
0.05 - 0.65 %
Deposit Term
12 - 120 months
Time Deposit Account Details
Product Name
SparbriefOnline
Account Currency
EUR
Min. Interest Rate (p.a.)
0.05 %
Max. Interest Rate (p.a.)
0.65 %
Min. Deposit Term
12 months
Max. Deposit Term
120 months
Min. Investment Amount
500 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Time deposit accounts made with Degussa Bank AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Germany is not taxed. Interest gained on time deposit accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by Degussa Bank AG from the time deposit account.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by Degussa Bank AG are shown in the table below.

Updated on 14 December 2019

PrivatKredit
Sales Region
Germany
Borrowing Amount
5,000 - 25,000 EUR
Loan Term
24 - 60 months
Effective Rate (p.a.)
2.69 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
24 months
Max. Loan Term
60 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
25,000 EUR
Min. Effective Rate (p.a.)
2.69 %
Max. Effective Rate (p.a.)
2.69 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by Degussa Bank AG are shown in the table below.

Updated on 14 December 2019

PrivatKredit
Sales Region
Germany
Borrowing Amount
5,000 - 25,000 EUR
Loan Term
24 - 60 months
Effective Rate (p.a.)
2.69 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
24 months
Max. Loan Term
60 months
Min. Borrowing Amount
5,000 EUR
Max. Borrowing Amount
25,000 EUR
Min. Effective Rate (p.a.)
2.69 %
Max. Effective Rate (p.a.)
2.69 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Mortgage Loans

Mortgage loans are secured loans used for real estate financing purposes (for example, purchase of a new or existing property, construction of an own property, property renovation) without paying the entire value up front. A mortgage loan is secured by the collateral of specified real estate property and is repaid in installments. Mortgage loans offered by Degussa Bank AG are shown in the table below.

Updated on 14 December 2019

ImmobilienFinanzierung
Sales Region
Germany
Borrowing Amount
100,000 - 999,999 EUR
Borrowing Rate (p.a.)
0.25 - 1.45 %
Loan Term
5 - 20 years
Mortgage Loan Details
Loan Currency
EUR
Min. Borrowing Amount
100,000 EUR
Max. Borrowing Amount
999,999 EUR
Min. Borrowing Rate (p.a.)
0.25 %
Max. Borrowing Rate (p.a.)
1.45 %
Min. Loan Term
5 years
Max. Loan Term
20 years
Min. Lending Amount
60.00 %
Max. Lending Amount
80.00 %

Germany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also