Partner Bank AG offers a wide range of financial solutions and investment opportunities. The exact range of products, which may include shares, funds, ETFs, or gold, is best obtained directly from a cooperating financial advisor.

Asset management is a professional financial service in which you entrust the management and investment of your assets to the bank. Based on a defined strategy, the funds are invested accordingly, and the portfolio is continuously monitored by the bank.

A settlement account is part of the securities account and is used exclusively for processing cash flows related to the purchase and sale of securities as well as deposits and withdrawals. It is not a current account for general payment transactions. Transfers to the customer are generally made to a reference account specified by the customer and held in their name.

Opening a securities account with Partner Bank AG takes place in cooperation with a professionally trained asset manager or financial advisor. You can contact Partner Bank AG to find an advisor near you.

No, opening a securities account without an advisor is not possible.

The fee structure for a securities account may consist of various components, such as custody fees, account maintenance fees for the settlement account, and transaction fees for buying or selling securities. Detailed information on applicable fees can be found in the respective terms and conditions.

You can view your portfolio balance at any time via the online service, giving you an up-to-date overview of your investments.

No, Partner Bank AG does not offer online trading of securities. We work with qualified advisors who support you and assist you with investment decisions.

You have a personal contact person in the form of an advisor or financial service provider who supports you. For questions, please contact this person directly. The contact details can be found in your documents or obtained from Partner Bank AG.

If you wish to change your advisor, please contact Partner Bank AG directly. They will inform you about the further procedure.

Deposits into your settlement account are made via bank transfer from your reference account or by SEPA direct debit, for which you sign a SEPA mandate upon contract conclusion. The settlement account is not intended for general payment transactions; therefore, all deposits must be related to an investment.

The time it takes for deposits to appear in your settlement account depends on the respective bank. Generally, a transfer takes 1 to 2 banking business days.

If you wish to stop your savings plan, this can only be done by submitting a corresponding instruction order. Please contact your advisor for this purpose. The instruction order must be received at least 3 days before the last day of the month.

To withdraw an amount from your securities account, please contact your advisor.

Termination is possible at any time. Sales take place daily on banking business days. The closure of the securities account can only be carried out by means of a termination notice signed by hand or TAN-signed.

After the sale of securities, the payout takes 3 to 5 business days.

Upon termination of the securities account, the proceeds from the sale of securities are first transferred to your settlement account. From there, the balance is paid out to the reference account on file with the bank.

Termination of asset management is possible at mid-month and at the end of the month. The termination notice must be received at least 3 banking business days before the effective date. After the sale of all securities in the asset management portfolio, the payout takes 7 to 10 business days. Termination can only be carried out by means of a termination notice signed by hand or TAN-signed.

You have the right to withdraw from the contract within 14 days of conclusion without stating any reasons.

In the event of separation or divorce of partners or spouses who hold a joint securities account, the handling of the account depends on a court decision or an agreement between the parties. If no agreement is reached, the court decides on the division of the joint assets, including the funds held in the securities account. Upon delivery of the relevant judgment, the joint securities account can either be dissolved and the assets divided accordingly, or the account may continue to be managed in accordance with the agreement or court decision.

In the event of the account holder’s death, a death certificate must be submitted to the bank. The account/securities account will then be blocked until a legally binding certificate of inheritance is presented, confirming who is entitled to the assets. Once this certificate is submitted, the heir can inform the bank how the securities account or assets should be handled.

Yes, you have the option to transfer your securities account to another bank. Detailed information on the procedure and any applicable fees can be obtained from our service department.

Deposits with Partner Bank AG are insured by ESA Einlagensicherung AUSTRIA Ges.m.b.H., Wipplingerstraße 34/4/DG4, 1010 Vienna, Austria, Phone: +43 (1) 533 98 03-0, Fax: +43 (1) 533 98 03-5, Email: office@einlagensicherung.at. Coverage extends up to EUR 100,000 or the equivalent in a foreign currency per depositor and credit institution. If several deposits are held with the same credit institution, all deposits are aggregated and insured up to EUR 100,000 or the equivalent in a foreign currency. This protection applies individually to each depositor. Claims for compensation for unavailable deposits must be asserted with the deposit guarantee scheme within 12 months of the occurrence of the insured event in accordance with § 12 ESAEG.

Partner Bank AG may disclose information about customer data, accounts, securities accounts, or investments only under strictly defined conditions arising from applicable legal regulations. Partner Bank AG is entitled or obliged to disclose information to state and public institutions if required by law (e.g. supervisory authorities, control bodies, courts and police, tax authorities, and other legally designated institutions). With the customer’s explicit written consent, personal data may be disclosed to third parties, such as legal advisors. To properly fulfill contractual obligations, data may also be transmitted to financial intermediaries, technical service providers, and IT providers. Unauthorized disclosure of personal data is prohibited and may result in legal consequences.

In this case, please contact our customer service, which will assist you in restoring your access data. You will receive the appropriate form to request a secure change of your online service access credentials.

In this case, please contact our customer service, which will assist you in updating your contact details. You will receive the appropriate form to update your information easily and securely.

In this case, please contact our customer service, which will assist you in changing your bank details. You will receive the appropriate form to update your bank information easily and securely.