Legal Notice

All elements on the Bethmann HAL website are protected by copyright and all rights are reserved. Downloading or printing of one or more sections is permitted, provided that no copyright notices or other protected designations are removed. Downloading or copying the Bethmann HAL website does not confer on you any rights whatsoever with respect to the software or elements on the Bethmann HAL website. Any duplication, distribution, provision for retrieval or online access (transfer to another website) of our websites, the layout of the websites, their contents (texts, images, programs) in whole or in part in modified or unchanged form is only permitted with the prior written consent of Bethmann HAL, a trademark of ABN AMRO Bank N.V. Frankfurt Branch.

The information published on the Bethmann HAL website does not constitute an advertisement, solicitation of an offer, an offer, an offer, an advice, a recommendation to buy or sell investments or to enter into any other transaction.

Certain links on the Bethmann HAL website lead to third-party websites. Bethmann HAL, a trademark of ABN AMRO Bank N.V. Frankfurt Branch, has not reviewed the sites linked to the Bethmann HAL website and is in no way responsible for their content or the products, services and other elements offered on them.

Links to subpages and subdirectories are only permitted with the prior written consent of Bethmann HAL, a trademark of ABN AMRO Bank N.V. Frankfurt Branch, (hereinafter referred to as "Bethmann HAL"). The integration of the Bethmann HAL websites into a frame structure (frames) is only permitted with the prior written consent of Bethmann HAL.

The use of the website is at the user's own risk. The user bears the risk of loss resulting from the download or use of the website and its content. Bethmann HAL, a brand of ABN AMRO Bank N.V. Frankfurt Branch, (hereinafter "Bethmann HAL") makes all reasonable efforts to obtain its information from sources it deems reliable. Bethmann HAL does not warrant the accuracy, reliability or completeness of the information or opinions published on this website. The information and opinions published on this website are provided by Bethmann HAL for personal use and informational purposes only and may be changed, limited or cancelled at any time without any notice. Bethmann HAL is under no obligation to update or keep the information and opinions up to date. The information and disclosures contained on this website do not constitute investment, legal, tax or other advice and should not be construed as a basis for investment decisions or other decisions. You are required to seek advice from a specialist before making an investment decision.

The legal notice for Hauck Aufhäuser Lampe (HAL) can be found under the following link:

Bethmann HAL, a brand of ABN AMRO Bank N.V. Frankfurt Branch, is part of the globally active ABN AMRO Group. ABN AMRO, its business units and/or its directors, officers and employees may hold or have held interests in or positions in the relevant securities, or may have acted as market makers for such securities. Such business entities or persons may also have or have maintained business relationships with, provide or have provided corporate, finance or other services to them, or participate or have participated in the management of such companies.

Past performance is not necessarily an indication of the future performance of an investment. The value of an investment can rise or fall due to various factors and there is therefore a possibility that investors may not get back the amount originally invested. Due to exchange rate fluctuations, investment assets may increase or decrease.

Bethmann HAL, a brand of ABN AMRO Bank N.V. Frankfurt Branch, excludes any liability (including negligence) for losses, direct, indirect and/or consequential damages that may result from the use, consultation and access to the Bethmann HAL website or from links to third-party websites.

The Bethmann HAL website is not intended for persons who are subject to a jurisdiction that prohibits publication of or access to this website (due to nationality or for any other reason). Persons to whom such restrictions apply are prohibited from accessing the Bethmann HAL website. This website is intended primarily for users in Germany and expressly not for users in or with a residence in the United States of America or for private users in the United Kingdom.

The protection of your personal data is important to us. Details can be found in our privacy policy.

Deposit Protection Fund

1. Scope of protection

ABN AMRO N.V. Frankfurt Branch is affiliated with the Deposit Protection Fund of the Association of German Banks. In accordance with its statutes, subject to the exceptions provided for therein, the Deposit Guarantee Fund shall guarantee deposits, i.e. balances arising in the course of banking operations from amounts remaining in an account or from intermediate positions, which are to be repaid by the bank in accordance with the applicable conditions.

Among other things, deposits that are part of the bank's own funds, liabilities arising from bearer and order bonds, as well as deposits of credit institutions within the meaning of Article 4 (1) no. 1 of Regulation (EU) No 575/2013, financial institutions within the meaning of Article 4 (1) no. 26 of Regulation (EU) No 575/2013, investment firms within the meaning of Article 4 (1) no. 1 of Directive 2004/39/EC and local authorities are not protected.

Deposits from creditors other than natural persons and foundations with legal capacity are only protected if:

• the contribution is not a liability arising from a registered bond or a promissory note loan, and
• the term of the contribution does not exceed 18 months. The maturity restriction does not apply to deposits that already existed before 1 January 2020. After 31 December 2019, the grandfathering pursuant to the preceding sentence shall cease to apply as soon as the contribution in question becomes due, can be terminated or can otherwise be reclaimed, or if the contribution is transferred by way of individual or universal succession.

Banks' liabilities that already existed before 1 October 2017 shall be secured in accordance with and subject to the provisions of the Statute of the Deposit Protection Fund in force until 1 October 2017. After 30 September 2017, the grandfathering pursuant to the preceding sentence shall cease to apply 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.

The Deposit Protection Fund only provides compensation payments if and to the extent that the deposits exceed the guarantee limit of any home country deposit insurance. The scope of any home country deposit insurance can be queried on the Internet on the website of the relevant protection scheme, the address of which will be provided by the bank on request.

2. Safeguarding Limits

The security limit will be disclosed to the customer by the bank upon request. It can also be queried on the Internet at www.bankenverband.de.

3. Applicability of the Statute of the Deposit Guarantee Fund

For further details of the protection, reference is made to § 6 of the Statute of the Deposit Protection Fund, which is made available on request.

4. Subrogation of claims

To the extent that the Deposit Protection Fund or a person commissioned by it makes payments to a customer, the latter's claims against the Bank shall be transferred to the Deposit Protection Fund in the corresponding amount, together with all ancillary rights.

5. Provision of information

The Bank shall be entitled to provide the Deposit Guarantee Fund or any of its agents with all necessary information and documents in this context.

Information about our banking services

Key information on banking services (PDF) (PDF, 411 KB)

Terms and Conditions for Banking Services (PDF) (PDF, 2 MB)

Customer rights for Europe-wide payments (PDF) (PDF, 339 KB)

The new payment law (PSD2) allows third-party service providers (Third Party Provider = TPP) to access payment accounts after the customer's consent. We offer interested TPPs a sandbox to test this interface. For more information, please click on the following link: https://resources.bank-verlag.de/psd2/abn-amro-bank-nv-frankfurt-branch 

Note on bank resolution and bail-in

For more information, please refer to the document "Notice on bank resolution and bail-in" (PDF, 173 KB) (PDF, 301 KB)

Sustainability-related disclosures

PAI Disclosure at Entity Level ABN AMRO Bank N.V. (PDF, 268 KB)

Principles and Procedure of the Appeal Procedure

As a bank, our goal is to offer you as a customer products and services that meet your requirements and the standards you expect. Therefore, it is our highest claim that you are satisfied with our services. Should it nevertheless happen that you would like to make a complaint to us, the dialogue with you will take place in understandable steps so that you receive a prompt and transparent response from us. Your complaint is also an important source for the permanent optimization of our service quality. It is therefore processed by us free of charge individually, objectively and appropriately.

Please refer to the following document "Principles of the Appeal Procedure" (PDF 468 KB) (PDF, 49 KB) for all further information on the filing and procedure of the appeal procedure.

The bank participates in the dispute resolution procedure of the consumer arbitration board "Ombudsman of Private Banks" (www.bankenombudsmann.de). There, the consumer has the option of calling on the ombudsman of the private banks to settle a dispute with the bank. If the subject matter of the complaint concerns a dispute over a payment service contract (Section 675f of the Civil Code), customers who are not consumers can also appeal to the Ombudsman of Private Banks. Further details are regulated in the "Rules of Procedure for the Arbitration of Customer Complaints in the German Banking Industry", which can be made available on request or on the Internet at www.bankenverband.de. The complaint must be submitted in text form (e.g. by letter, fax or e-mail) to the Customer Complaints Office at the Association of German Banks, P.O. Box 04 03 07, 10062 Berlin, Fax: (030) 1663-3169, E-Mail: schlichtung@bdb.de.

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