The basic account allows you to deposit funds and make cash withdrawals in accordance with the provisions of the Payment Accounts Act (Zahlungskontengesetz).

You can also use it to participate in cashless payment transactions (e.g. bank transfers). There is generally no overdraft facility.

The FIB International Bank AG basic account offers the following services:

- current account on a credit basis

- account management exclusively online

- account statements online

- Mastercard Debit

- SEPA transfers in online banking

- direct debits from third parties

- free cash withdrawals with the debit card in euros at ATMs (it is possible that merchants or ATM operators may charge additional fees for use) as well as at counters of our cooperation partner Reisebank AG.

All fees incurred in connection with the basic account can be viewed in the List of Prices and Services Verlinkung PLV

As part of the account opening process, the relevant contractual terms and conditions are agreed with the account opening form. These also refer to our regulations in the General Terms and Conditions and the Terms and Conditions for Credit Transfers, Direct Debits and Mastercard Debit. These can be accessed here Verlinkung AGB Seite

How to apply for a basic account:

- Complete the application to open a basic account online Verlinkung auf Antrag Eröffnung Basiskonto

- Print out and sign the application

- Provide proof of identity using one of the legitimation procedures offered

- Send the application to us

- The opening application will be checked after proof of identity has been provided and you will receive written feedback on the decision.

The opening of a basic account and its use are not subject to membership of a particular professional group, the acquisition of shares or the agreement of additional services (e.g. account overdraft facility).