Erste Bank AG

Beginning of cooperation Last contact Last update
March, 2000 December, 2017 August, 2016

GSL reference about the bank

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    Bank's characteristics

    General information and rating

    Global rating Countrywide rating Countrywide rating of the head bank Global rating of the head bank Credit rating
    98 1 A
    Year of foundation 1819
    History The oldest savings bank in Austria, it was founded in 1819. In 1997 Die Erste österreichische Spar-Casse Bank AG, established 1819 as the oldest savings bank in Austria and GiroCredit merged into Erste Bank der oesterreichischen Sparkassen AG. In August 2008 the company changed into the holding company Erste Group Bank AG and the Austrian business of Erste Bank der oesterreichischen Sparkassen AG was separated from the newly founded holding company. Erste Group Bank AG is the second largest banking group in the country and the lead bank of the Austrian savings banks group. Through its acquisitions in Central Europe region, the bank is now one of the leading retail banks in Central Europe
    Personnel Speaks English, German, and Polish. The Polish-speaking officer can understand some Russian
    Bank’s shareholders DIE ERSTE österreichische Spar-Casse Privatstiftung (Vienna Austria) -20,1%; CaixaBank SA (Barcelona Spain) - 9,9%; shares in free circulation - 65,5%; savings banks - 4,4%
    Confidentiality Double Taxation Agreement with Russia is signed; AML legislation is strictly observed; Active member of OECD, FATF, Basel Commitee, Egmont Group etc.

    Minimum requirements

    Minimum balance, € Transactions permitted per month Initial deposit of funds, € Deadline for the initial deposit, month Minimum turnover, €/year
    500 000 N/A N/A N/A 1 000 000
    Minimum balance, € The bank requires a minimum balance of EUR 500 000
    Minimum turnover, €/year The minimum annual turnover is EUR 1 000 000
    How fast payments are executed Value date - second day. Transaction day ends at 12.00 Moscow time

    Tariffs and services

    Outcoming transfer, € Incoming transfer, € Account maintenance, €/year Payment limit for credit cards, €/day Funds to be blocked for CC issue, €
    100 100 42 N/A N/A
    Outcoming transfer, € The transfer fee is 0.2% of the amount, but not less than EUR 8
    Incoming transfer, € The charges on incoming transfers are 0.2% of the amount, but not less than EUR 8
    Account maintenance, €/year The maintenance fee for a personal account is from EUR 10.55 to 28.47 per quarter; for corporate accounts – 0.03% (but at least EUR 13.50 per quarter). Account closure – free of charge (for individuals); EUR 12.38 (for corporate clients). Cash withdrawal charges – 0.25% (but at least EUR 3.63)
    Distant access to the account By fax, but has to be agreed with the bank officer in advance. There is also a free account viewing system via modem. Instructions by email are permitted (except requests for transfer)
    Financial products Cheque books (Eurocheques) (a cheque book of 10 leaves – EUR 5, stop payment of a cheque – EUR 11). Letters of credit. Bank guarantees. The bank confidently works with all sorts of bank instruments
    Credit/debit cards VISA (VisaCard First, VisaCard Gold, VisaCard Platinum, VisaCard Privat Banking); maintenance fee – from EUR 1.57 to 9.16 per month. MasterCard (MasterCard First, MasterCard Gold); maintenance fee – from EUR 1.57 to 5.82 per month
    Hold mail Provision of bank statements – from EUR 0.04 to 0.90. Shipment of bank statements – EUR 0.85 plus postal expenses

    Account opening procedure

    Days to open for incoming transfers Days to open for outcoming transfers References Business description Purpose of the account
    14 14 Not necessary Detailed Savings & current
    Visit to the bank Оbligatory
    Required Photocopy of international passport. Certificate of Good Standing is required (not older than 3 months) for companies incorporated more than 6 months ago. Additional documents may be requested
    Types of accounts Personal; Corporate; Savings; Current
    Opening procedure and Due Diligence It is possible to open an account without visiting the country where the bank is located
    Chances to open an account Predictable
    Business description Very detailed business description: how the business was established and where it stands now, origin of funds, details of biography and contact details of the beneficial owner of the account
     
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