Consumer

: Product-specific Business Conditions for Deposit Products PDF (296 KB)

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: Product-specific Business Conditions for Electronic Banking PDF (296 KB)
: Product-specific Business Conditions for Credit cards and Overdraft Facilities PDF (248 KB)

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: Product-specific Business Conditions for Deposit Products PDF (296 KB)
: Product-specific Business Conditions for Mortgages and Instalment Loans PDF (258 KB)

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: Product-specific Business Conditions for Investment Services PDF (168 KB)
: Product-specific Business Conditions for Treasury PDF (302 KB)

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: Payment services conditions – change of the Annex 4 effective from 1. June 2021 PDF (561 KB)

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For Natural Persons Non-Entrepreneurs	PDF (1 MB)
For Natural Persons Non-Entrepreneurs – effective from March 1, 2022	PDF (616 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from June 1, 2021	PDF (248 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Non-Entrepreneurs – effective from March 1, 2022	PDF (216 KB)

List of the Purpose Codes published by the Central Bank of the United Arab Emirates (UAE) for payments credited to the beneficiary accounts situated in the UAE	PDF (1 MB)
List of the Purpose Codes published by the Central Bank of Bahrain for payments credited to the beneficiary accounts situated in Bahrain	PDF (112 KB)
Prohibited Countries and Risky Countries	PDF (99 KB)

Payment Order Deadlines for Cross-Border Transfer (Outgoing and Incoming)	PDF (125 KB)
Payment Terms Allowed for Cross-Border Transfers	PDF (111 KB)
List of SEPA Countries	PDF (66 KB)
List of the Financial Group Erste Group banks for Payment Services	PDF (148 KB)
List of the FIT 2.0 Banks for Payment services	PDF (75 KB)
What is IBAN and What is BIC Code?	PDF (179 KB)

Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation	PDF (498 KB)
Sustainability risks in providing investment service portfolio management	PDF (111 KB)

Contractual Conditions – Consumer