netbank AG

Business Summary

netbank AG provides products and services in the areas of retail banking, corporate banking, securities services. netbank AG offers a range of products including current accounts, credit cards, savings accounts (0.01 - 0.01 %), time deposit accounts (0.01 - 0.05 %), consumer loans (3.53 - 3.98 %), car loans (3.53 - 3.98 %), mortgage loans (1.00 - 2.16 %), trading accounts.

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 netbank AG.

Updated on 22 October 2020

Girokonto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
12.00 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
12.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
10.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Credit card MasterCard available

Account be can accessed via online banking

Available to German residents

Girokonto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.00 %
Annual Costs
12.00 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
12.00 EUR
Interest Rate (p.a.)
8.00 %
Overdraft Rate (p.a.)
none
Debit Card
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
10.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Credit card MasterCard available

Account be can accessed via online banking

Available to German residents

Girokonto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
42.00 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
42.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
10.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Credit card MasterCard available

Account be can accessed via online banking

Available to German residents

Girokonto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.00 %
Annual Costs
42.00 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
42.00 EUR
Interest Rate (p.a.)
8.00 %
Overdraft Rate (p.a.)
none
Debit Card
Visa Credit Card
MasterCard Credit Card
MasterCard Credit Card Costs (p.a.)
10.00 EUR
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Credit card MasterCard available

Account be can accessed via online banking

Available to German residents

DEGermany: 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.

netbank AG offers the following savings accounts.

Updated on 22 October 2020

Tagesgeldkonto
Sales Region
DEGermany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Tagesgeldkonto
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
4 times a year

DEGermany: 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 netbank 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 netbank 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).

netbank AG offers the following time deposit accounts.

Updated on 22 October 2020

Festgeldkonto
Sales Region
DEGermany
Investment Amount
5,000 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.05 %
Deposit Term
1 - 12 months
Time Deposit Account Details
Product Name
Festgeldkonto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.05 %
Min. Deposit Term
1 month
Max. Deposit Term
12 months
Min. Investment Amount
5,000 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
12 times a year

DEGermany: 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 netbank 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 netbank 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 netbank AG are shown in the table below.

Updated on 22 October 2020

netbank Kleinkredit
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.98 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.98 %
Max. Effective Rate (p.a.)
3.98 %
netbank Ratenkredit
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.69 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.69 %
Max. Effective Rate (p.a.)
3.69 %
netbank Ratenkredit für Selbstständige
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.98 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.98 %
Max. Effective Rate (p.a.)
3.98 %

DEGermany: 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 netbank AG are shown in the table below.

Updated on 22 October 2020

netbank Ratenkredit
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.69 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.69 %
Max. Effective Rate (p.a.)
3.69 %
netbank Ratenkredit für Selbstständige
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.98 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.98 %
Max. Effective Rate (p.a.)
3.98 %
netbank Kleinkredit
Sales Region
DEGermany
Borrowing Amount
3,000 - 50,000 EUR
Loan Term
73 - 84 months
Effective Rate (p.a.)
3.98 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
73 months
Max. Loan Term
84 months
Min. Borrowing Amount
3,000 EUR
Max. Borrowing Amount
50,000 EUR
Min. Effective Rate (p.a.)
3.98 %
Max. Effective Rate (p.a.)
3.98 %

DEGermany: 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 netbank AG are shown in the table below.

Updated on 22 October 2020

Baufinanzierung
Sales Region
DEGermany
Borrowing Amount
25,000 - 999,999 EUR
Borrowing Rate (p.a.)
1.00 - 2.16 %
Loan Term
5 - 30 years
Mortgage Loan Details
Loan Currency
EUR
Min. Borrowing Amount
25,000 EUR
Max. Borrowing Amount
999,999 EUR
Min. Borrowing Rate (p.a.)
1.00 %
Max. Borrowing Rate (p.a.)
2.16 %
Min. Loan Term
5 years
Max. Loan Term
30 years
Min. Lending Amount
60.00 %
Max. Lending Amount
60.00 %

DEGermany: 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

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts offered by netbank AG are shown in the table below.

Updated on 22 October 2020

netbank Wertpapierdepot & Service-Konto
Sales Region
DEGermany
Annual Costs
0.00 EUR
Costs per Order
5.95 - 21.95 EUR
Trading Account Details
Product Name
netbank Wertpapierdepot & Service-Konto
Annual Costs
0.00 EUR
Costs per Order
5.95 - 21.95 EUR
Traded Instruments
stocks
ETFs
OTC Trading
Intraday Trading
Trading Account Features

Major world stock exchanges

Most popular trade instruments

Available to German residents

No annual costs

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Investor Compensation. Trading accounts made with netbank AG are covered by investor compensation scheme of Germany up to 20,000 EUR per investor.

See Also