FAQ

Akbank N.V. Essen Branch is open from 9:00 to 17:00 hours during the weekdays

For all you banking business with Akbank N.V. Essen Branch and your inquiries you may contact us at (0180) 225 22 65.

Akbank N.V.
Essen Branch
Taunustor 2
60311 Frankfurt am Main

Akbank N.V.
Essen Branch
Taunustor 2
60311 Frankfurt am Main

The fax number of Akbank N.V. Essen Branch is (069) 29717 229.

The e-mail address of Akbank N.V. Essen Branch is info@akbanknv.de.

You can send your question by e-mail to info@akbanknv.de.

There are two ways you can follow to open a savings account:

1. You can click apply now button and fill the application form. Naturally, you will need to enclose a POSTIDENT coupon and printed application form with the applicant(s) signatures and send them to Akbank N.V. Essen Branch by post.
2. You can call Akbank N.V. Essen Branch and ask for a information package about our savings products. In the information package you will find the relevant application forms also. Naturally, you will need to enclose a POSTIDENT coupon and application form with the applicant(s) signatures and send them to Akbank N.V. Essen Branch by post.

No, Akbank N.V. Essen Branch offers savings accounts only for residents in Germany.

You can open two types of savings accounts at Akbank N.V. Essen Branch. AK Savings Account which you can operate by traditional direct banking methods and the other is the AK-Online Savings Account which you operate solely through the online banking application.

Reference account is your current account at another resident bank in Germany where you can make your trasnfers to and from your savings account at Akbank N.V. Essen Branch. Your reference account must bear the same name as your savings account in Akbank N.V. Essen Branch as per specified by yourself in the application form.

No, your savings account is primarily a non-cash transaction account. You may only withdraw and deposit funds to your savings account by means of your reference account.

You can transfer funds to your savings account by Akbank N.V. from your reference account which you mentioned on your application form.

You can place a call to our branch for your withdrawal request via telephone number (0180) 225 22 65 or send a fax to (069) 29717 229 or you can send an e-mail to info@akbanknv.de. If you are an online savings account holder than you can only make withdrawals to your reference account by using your online banking application provided to you by Akbank N.V. Essen Branch.

No, you can not make withdrawal to any other account than your reference account.

No, you can only use one reference account per savings account.

Yes, you can change you reference account. We would require you to make the change in a written form by means of a letter (no fax, e-mails accepted) signed by the accountholder (in case of a joint account both accountholders will need to sign the letter). We would also require you to transfer at least 1,- EUR from the new reference account to your savings account so that we can identify that the new reference account is also bearing the same name as the savings accounts you have at Akbank N.V. Essen Branch.

No, there is no minimum balance required for savings account opened at Akbank N.V. Essen Branch.

This entirely depends upon the type of account you choose. If you choose a yearly interest paying account then you will receive your interest on the first day of each year thus 1st of January. If you have opted for quarterly interest paying account you will receive the interest on the first day of the new quarter being fixed on 1st of January, 1st of April, 1st of July and 1st of October.

Interest is calculated on an actual by actual basis. This means that the interest is calculated by taking into account the actual number of days which the funds are in the account and actual number of days in the year. This means that for the leap year 366 days are taken into consideration.

Yes, interest rate on savings accounts is variable and can be changed on a daily basis.

You will receive an account statement once a month, provided that there is a movement on your savings account. If there are no movements on your account, you will not receive a statement.

Applicable interest rates are is shown on your monthly statements with their validity date. However, you can always visit our website www.akbanknv.de and find what the actual interest rates are.

You can send your question by e-mail to helpdesk@akbanknv.de.

In order to be able to open a time deposit you will need to open or already have a savings account by Akbank N.V. Essen Branch.

There are two ways you can follow to open a time deposit:
1. You can click apply now button and fill the application form online and submit the application via our website. You will need to print the application form with the applicant(s) signatures and send them to Akbank N.V. Essen Branch by post or per fax.
2. If you are an online savings account holder than you can only open deposits using your online banking application.

Yes, in order to be able to open a time deposit you will need to open or already have a savings account by Akbank N.V. Essen Branch.

No, Akbank N.V. Essen Branch offers time deposits only for residents in Germany.

No, since your deposit will be attached to your savings account which will function as a reference account for your time deposit you will only get a unique contract reference number for your time deposit.

Interest is calculated on an actual by actual basis. This means that the interest is calculated by taking into account the actual number of days which the funds are kept in the time deposit and actual number of days in the year. This means that for the leap year 366 days are taken into consideration.

Yes, interest rate on time deposits is fixed throughout the tenor of the time deposit.

No, partial or full redemption is not possible. This is only allowed under special circumstances which are specified in our special terms and conditions.

When your deposit reaches maturity, the principal and interest amounts are liquidated automatically to your savings account at Akbank N.V. Essen Branch.

Yes, there is a minimum balance of EUR 2,000 required for a time deposit.

For time deposits with a tenor longer than a year you may choose to have the interest paid annually or quarterly.

You can send your question by e-mail to info@akbanknv.de.

After receiving your application for online savings account we process it and send you an account opening confirmation letter. Within this letter you will also receive your user id for online banking. Following the account opening confirmation you will receive your password for logging in to the Online Banking System in a separate letter. Within few days after this, you will also receive a separate letter containing your Transaction PIN which you will need for your transactions. Once you receive all your letters for your online banking you can begin using it.

Due to security and safety reasons you will need to change your password right away as you try to login for the first time. This way you can create your own password.

Yes, you can convert your savings accounts to online savings accounts by completing the application form. You can download the application form by clicking this link.
Once you have online savings account you can also view your other savings accounts and deposits via Online Banking. However, you will not be able perform transactions for these accounts.

You will need to apply with a standard form provided on our website and print this form and send to Akbank N.V. Essen Branch. You will receive your user id and a new password within a few days.

You can enter payments 24 hours a day 7 days a week. If you enter your payment order before 16:00 hours, it will be processed the same day. When you enter payments later than 16:00 hours they will be processed the next business day.

Possibly you have entered wrong password three times. This is a standard safety and security procedure. You can send an e-mail to helpdesk@akbanknv.de to be reset and try to login again if you are sure about your password. Otherwise you will need to apply with a standard form provided on our website and print this form and send to Akbank N.V. Essen Branch. You will receive your user id and a new password within a few days.

No, for security and safety reasons Akbank N.V. Essen Branch applies a policy of a static user id.

You can change your logon password any time you wish using the menu options under My Details.

Transaction PIN is a code which you will need to use to authorize your payments and open time deposits online.

No, you will need to apply with a standard form provided on our website and print this form and send to Akbank N.V. Essen Branch. You will receive your new transaction PIN within a few days.

It can be the case that for technical maintenance Online Banking is temporarily out of use. Naturally we try to limit these possible outages to a minimum. When you will need to make a payment during an outage you can place a call to our branch for your withdrawal request via telephone number (0180) 225 22 65 or send a fax to (069) 29717 229 or you can send an e-mail to info@akbanknv.de.

You can send your question by e-mail to helpdesk@akbanknv.de.

You can run through the security checklist provided below and make sure you apply these measures

Security Checklist:

When you click to login to Online Banking make sure that you see the URL address is beginning with https://online.akbanknv.com/onlinebanking

Be very careful with your personal details. Online Banking of Akbank N.V. is strictly personal and that is why Akbank N.V. employees will never ask you to provide your username, password or transaction PIN code. Not by e-mail, telephone or any other means.

Make sure that your anti virus software is up-to-date and enabled.

Scan your computer regularly against viruses.

Pay attention to spyware, these do not get blocked by anti-virus software that is why we advise you to use anti-spy software.

Make use of a firewall

Check your internet connection regularly. Click on the icon “locked padlock” in your browser. Here you will see the secured connection details. Check your URL address if what you see on the URL address is different than what you see on the details commit no transactions because you are not in a secure connection session with Akbank N.V.

Never respond to e-mails in which your personal codes are asked. This is known as “phishing”. It is a method whereby criminals send e-mails, in the name of the bank, in which they ask your personal information and passwords.

Following measures are taken by Akbank N.V. to protect your safety and privacy:

Login ID and Password
You need to input the correct combination of your Login ID and Password to log on to Online Banking. Access will be denied after 3 incorrect consecutive attempts for the same Login ID.

Secured Connection
SSL (Secure Socket Layer) protocol which provides a secure environment for information exchange is used for all information being transferred between online Banking System and your browser.

Automatic log off
If you don’t use online banking system for 5 minutes the system will terminate your current session automatically.

Safeguard
We are monitoring and guarding our systems continuously to prevent any unauthorized access and to protect your privacy and your personal details.

Testing
Akbank N.V. performs tests on its systems on a regular basis to detect possible vulnerabilities (by means of ‘hackers test’).

Following measures are recommended to customers for protecting your own safety and privacy:

Protect your PIN code and password
Never give your Password to someone else (including Akbank N.V. employees). Akbank N.V. never asks customers to give their passwords. Akbank N.V. never asks third parties to contact you regarding your banking business with our bank. If you receive an e-mail that directs you to give your personal information or password, please do not react and immediately inform us. *Please enter our website by writing www.akbanknv.de on your internet explorer address tab only. Change Password when necessary If you think someone else knows your Password, change the Password immediately (you can change your PIN code 24 hours a day, 7 days a week through Akbank N.V. Online Banking).

Log off
Don’t forget to log off when you are finished working with Online Banking system. Never leave your computer unattended when you use the internet in a public area.

Safety Certificate
You can check the safety certificate of the site by double clicking on the padlock sign which will appear in the top right corner of your screen. Here you should see the following URL (https://online.akbanknv.com/onlinebanking/..) and the name of Akbank N.V..

E-mail
Akbank N.V. never sends unsolicited e-mail messages with an attachment nor distributes software or updates by e-mail. Never open e-mail attachments from someone you do not know. Remove such attachments from your computer immediately (also from the Deleted Items folder). Be very careful with unexpected e-mails with an attachment from someone you do know, when necessary verify the request with the (real) sender by using another communication channel. Never react to unasked for e-mail where you are asked to provide your personal details, user ids and passwords.

Installing software
Be careful with downloading and/or installing programs. When you make use of the internet or e-mail, there is always the risk of downloading viruses or unknown programs. This can have an effect on your existing programs which can have undesirable consequences.

Install anti-virus program and firewall
Protect your computer against viruses with virus protection software and a firewall. A firewall is a program that prevents others from hacking into your computer. Please make sure to install any recent updates in time.

Spyware
Spyware is not always blocked by anti virus programs. Spyware can among others be hidden in unsafe internet pages and viruses. Spyware are files that are installed on your computer covertly to collect information about your activity on the internet. Spyware adversely affects your computer’s performance. You can scan your computer regularly for spyware.

Protect your computer and network
Protect your computer and (wireless) network with a password and encryption. If you do this unauthorized persons cannot have access.

Identity fraud
Identity fraud holds that criminals can collect your personal and financial details and try to misuse these. Therefore, you are advised to handle your personal details carefully, for instance when throwing away copies of ID’s or bank statements in the trash can, sending personal information to strangers by e-mail and when giving personal/financial details to strangers by phone or using Online Banking system from the untrusted computers.

You can send your question by e-mail to helpdesk@akbanknv.de.

To kind attention of our customers;

Akbank N.V. will cease it remittances to Turkey service as of 31.12.2011. As of this date it will no longer be possible to transfer funds to Akbank T.A.S. and other bank’s branches via Akbank N.V.

So-called acceptgiros of Akbank N.V. which are in circulation will not be valid after 31.12.2011. Your payments to our account 2002002159 (BLZ 36010800) will not be processed and sent back to you automatically.

Akbank N.V.

Which deposit guarantee scheme Akbank N.V. Essen Branch savings and time deposits are covered by?
Your savings accounts and deposits are covered by the Dutch Deposit Guarantee Scheme.

What is the coverage amount?
The Deposit Guarantee Scheme guarantees an amount of EUR 100,000 per person per bank (regardless of the number of accounts held). Two persons holding a joint account (oder) each qualify for full compensation.

Which products of Akbank N.V. Essen Branch are covered by the deposit guarantee scheme?
All savings accounts and time deposit products are fully covered by the deposit guarantee scheme.

Where can I get more detailed information about the Dutch Deposit Guarantee Scheme?
You may surf to the official website of the Dutch Central Bank for more detailed information which is www.dnb.nl.

My question is not on this FAQ. What can I do?
You can send your question by e-mail to info@akbanknv.de