Legal notice

All elements on ABN AMRO Germany’s website are protected by copyright and all rights are reserved.  You are permitted to download or print out one or more sections, provided that no copyright or other proprietary notices are removed. No rights whatsoever in respect of the software or elements on ABN AMRO Germany’s website shall be transferred to you by downloading or copying from ABN AMRO Germany’s website. Any reproduction, dissemination, making available for download or online access (incorporation into other websites) of our websites, their layout, their content (texts, images, programmes) in whole or in part, in modified or unmodified form, shall only be permitted with the prior written consent of ABN AMRO Germany.

No information published on ABN AMRO Germany’s website should be construed as an advertisement, a solicitation of an offer, an offer, consulting, a recommendation to buy or sell investments or to engage in any other transaction.

Certain links on ABN AMRO Germany’s website lead to third-party websites. The ABN AMRO Bank N.V. Frankfurt Branch has not verified the sites linked to ABN AMRO Germany’s website and is in no way responsible for their content or the products, services and other elements offered on such sites.

Links to sub-pages and subdirectories are only permitted with the prior written consent of ABN AMRO Bank N.V. Frankfurt Branch, (hereinafter referred to as “ABN AMRO Germany”). The integration of the ABN AMRO Germany websites into a frame is only permitted with the prior written consent of ABN AMRO Germany.

The use of the website is at the user's own risk. The user shall bear the risk of loss resulting from the downloading or use of the website and its content. ABN AMRO Bank N.V. Frankfurt Branch, (hereinafter referred to as “ABN AMRO Germany”) undertakes all reasonable efforts to obtain its information from sources which it considers to be reliable. ABN AMRO Germany does not accept any warranty claims for the accuracy, reliability or completeness of the information or opinions published on this website. All information and opinions published on this website are provided by ABN AMRO Germany for personal use and information purposes only and are subject to change, restriction or cancellation at any time without notice. ABN AMRO Germany is under no obligation to update or keep the information and opinions up to date. No information or statement provided on this website should be construed as investment, legal, tax or other advice and should not be relied upon in making investment or other decisions. It is your responsibility to seek the advice of a professional before taking an investment decision.

ABN AMRO Bank N.V. Frankfurt Branch is part of the globally operating ABN AMRO Group. ABN AMRO, its business units and/or its directors, officers and employees may have or have had investments or positions in the corresponding securities or traded or acted as market makers in such securities. Such business units or persons may also maintain or have maintained business relationships with the aforementioned companies, provide or have provided corporate finance or other services to them or participate or have participated in the management of these companies.

Past performance is not necessarily indicative of the future performance of an investment. There are several factors that can cause the value of an investment to rise or fall and consequently it is possible that investors may not recover the amount originally invested. Investment values may rise and fall as a result of exchange rate fluctuations.

ABN AMRO Bank N.V. Frankfurt Branch hereby waives all liability (including negligence) for any loss or damage, direct, indirect and/or consequential, which may arise from the use of, consultation of and access to ABN AMRO Germany’s website or from links to third-party websites.

ABN AMRO Germany’s website is not intended for persons falling under a jurisdiction prohibiting the publication of or access to this website (on grounds of nationality or otherwise). Persons who are subject to such restrictions are not permitted to access ABN AMRO Germany’s website. This website is primarily intended for users located in Germany and is explicitly not intended for users in or residing in the United States of America or for private users within the United Kingdom.

We are committed to protecting your personal data. Details can be found in our Data Protection Declaration.

ABN AMRO Bank N.V. Frankfurt Branch is a member of the Deposit Protection Fund of the Association of German Banks (Bundesverband deutscher Banken e.V.). This ensures that, in accordance with its statutes and subject to the exceptions set out therein, deposits with a domestic main or branch office or branch office are secured for each creditor up to a maximum of the following amount (protection limit):

(i) EUR 5 million for natural persons and foundations with legal capacity, regardless of their term,

(ii) EUR 50 million for non-financial companies, charitable organisations, associations and professional organisations without gainful activity and other creditors as specified in § 6 paragraph 3 of the statutes of the deposit protection fund. In any case, deposits are protected up to a maximum of 15% of the bank’s equity as per Art. 72 CRR (European Capital Requirements Regulation), whereas supplementary capital is only taken into account up to 25% of the core capital as per Article 25 CRR. Further details on the calculation of the relevant equity capital are set out in Section 6 paragraph 8 subsection (a) of the statutes of the deposit protection fund.

From 1 January 2025: (i) EUR 3 million for natural persons and foundations with legal capacity, regardless of their term, and (ii) EUR 30 million for non-financial companies, charitable organisations, associations and professional organisations without gainful activity and other creditors as specified in Section 6 paragraph 3 of the statutes of the deposit protection fund. Under all circumstances, deposits are protected up to a maximum of 8.75% of the equity capital within the meaning of sub-paragraph (a), sentences 2 and 3.

From 1 January 2030: (i) EUR 1 million for natural persons and foundations with legal capacity, regardless of their term, and (ii) EUR 10 million for non-financial companies, charitable organisations, associations and professional organisations without gainful activity and other creditors as specified in Section 6 paragraph 3 of the statutes of the deposit protection fund. Under all circumstances, deposits are protected up to a maximum of 8.75% of the equity capital within the meaning of sub-paragraph (a), sentences 2 and 3.

For deposits that were secured up to 31 December 2022, the protection limits applicable at that time will continue to apply until the deposit becomes due, is extended or can be terminated by the customer for the first time or is transferred to a foreign branch or branches. For deposits created or extended after 31 December 2022, the new protection limits will apply from the above-mentioned cut-off dates.

Deposits are credit balances that accrue in the context of banking transactions from amounts left in an account or from interim items and that must be repaid by the bank under the applicable legal and contractual conditions, such as credit balances on current accounts, time deposits, savings deposits, savings bonds and registered bonds. The definition in Section 6 paragraph 1 of the statutes of the Deposit Protection Fund of German Banks shall apply. The Deposit Protection Fund only provides compensation if and to the extent that the deposits exceed the coverage limit of any domestic deposit protection. The amount of any domestic deposit protection can be found on the website of the relevant protection scheme, the address of which will be provided by the bank upon request.

In particular, deposits of financial undertakings, state bodies including municipal regional authorities, deposits arising in connection with money laundering or terrorist financing and bearer bonds are not protected. In the case of creditors as defined in (a)(ii), (b)(ii) and (c)(ii), deposits with a term of more than twelve months and liabilities arising from promissory notes, registered bonds and comparable debt instruments under foreign law are not protected.

Liabilities of banks that were secured pursuant to Section 6 of the version of the statutes of the Deposit Protection Fund entered in the register of associations on 18 November 2021 until midnight on 31 December 2022 will continue to be secured pursuant to said provision. After 31 December 2022, this protection of existing liabilities shall lapse as soon as the liability in question becomes due, can be terminated or otherwise reclaimed, or if the liability is transferred by way of individual or universal succession or to a foreign branch or agency.

The decisive factor in determining the compensation is the protection ceiling that was communicated to the bank as a result of the audit association’s findings and can be found online at www.bankenverband.de. This bank will advise the client regarding this security limit upon request.

Details regarding the scope of protection, including the protection ceiling, are set out in the Statute of the Deposit Guarantee Fund, in particular in its Section 6.  The Statute is provided on request and can also be accessed online at www.bankenverband.de.

Insofar as the Deposit Protection Fund or one of its agents makes payments to a client, the client's claims against the bank shall be transferred to the Deposit Protection Fund concurrently in the corresponding amount with all ancillary rights.

The Bank shall be authorised to provide the Deposit Protection Fund or a person authorised by it with all information and documents required in this context.

Key information on banking services (PDF)

Terms and conditions for banking services (PDF)

Customer rights for pan-European payments (PDF)

The new payment law (PSD2) authorises third party providers (TPP) to access payment accounts with the client's consent. We offer interested TPPs a sandbox to test this interface. For more information, please click on the following link: https://www.bank-verlag.de/psd2-bethmannbank

For more information, please refer to the document "Note on bank resolution and creditor participation (bail-in)" PDF

Our aim as a bank is to provide you, the client, with products and services that meet your requirements and expectations. It is therefore our top priority to ensure that you are satisfied with our services.  Nevertheless, in the event that you wish to make a complaint to us, our dialogue with you will be conducted in comprehensible steps to ensure that you receive a timely and transparent response from us.  Your complaint also serves as an important basis for the ongoing optimisation of our service quality.  It will therefore be dealt with by us individually, objectively and appropriately and free of charge.

Please refer to the following document “Principles of the Complaints Procedure” PDF for further information on how to submit a complaint and on the sequence of the complaints procedure.

The Bank participates in the dispute resolution procedure of the consumer arbitration board "Ombudsman of Private Banks" (www.bankenombudsmann.de).  Under this procedure, the consumer has the option of submitting a dispute with the bank to the private banks' ombudsman.  In the event that the subject of the dispute relates to a payment services contract (Section 675  et seq. of the German Civil Code [Bürgerlichen Gesetzbuches]), clients who are not consumers may also have recourse to the private banks' ombudsman. The “Procedural Decree for the Settlement of client Complaints in the German Banking Sector", sets forth further provisions and shall be made available upon request or can be downloaded from the internet at www.bankenverband.de. The complaint must be submitted in text form (e.g. by letter, fax or email) to the client Complaints Office at the Association of German Banks (Bundesverband deutscher Banken e. V.), PO Box 04 03 07, 10062 Berlin, Fax: +49 (0) 30 1663-3169, e-mail: schlichtung@bdb.de.

The user relationship of the web pages of ABN AMRO Bank N.V. Frankfurt Branch is subject to German law. The non-exclusive place of jurisdiction is Frankfurt am Main.