Here you will find mandatory legal disclosures as well as other relevant information and the Terms and Conditions of Bank Gutmann Aktiengesellschaft.
General Terms and Conditions and other terms of business.
General Terms and Conditions of Bank Gutmann AG – Version February 2014
General Terms and Conditions of Bank Gutmann AG - Version December 2022
Comparison General Terms and Conditions - 2014-2022
Customer Guidelines for Card Service, Contactless Function and Quick Service – Version January 2016
Customer Guidelines Debit Card Service and Contactless-Function - Version December 2022
Comparison Amendment Customer Guidelines Debit Card Service and Contactless-Function - 2016-2022
Terms and Conditions Online Reporting of Bank Gutmann AG – Version October 2018
Gutmann Online User Manual
General Terms and Conditions for Clearing Services of Bank Gutmann AG – Version March 2019
Client Information of Bank Gutmann AG pursuant to the Austrian Securities Supervision Act 2018 (WAG 2018) - Version April 2023
Client Information of Bank Gutmann AG pursuant to the Austrian Payment Services Act 2018 (ZaDiG 2018) – Version April 2019
Leaflet of the European Commission – the rights of consumers under Payment Services Directive (PSD2) and other related EU legislation
Client Information on Account Switching Service – Version September 2016
Fee Information Document Select – Version December 2020
Fee Information Document Access – Version December 2020
Fee Information Document Full Access – Version December 2020
Investment Universe Self Management Standard
Investment Universe Advisory
Deposit Guarantee Scheme and Investor Compensation.
Information regarding the Common Reporting Standard (CRS/GMSG) and the Foreign Account Tax Compliance Act (FATCA).
Information on GMSG (German)
Information on FATCA (German)
CRS self certification
Relationship & Network Management will be happy to provide Forms W-8BEN-E and W-8IMY of Bank Gutmann Aktiengesellschaft upon request. Kindly reach out to firstname.lastname@example.org and include details about the intended use of the form in your request.
Disclosure pursuant to Part 8 CRR (Regulation (EU) Nr. 575/2013 ), § 43 BaSAG and § 65a BWG of the Gutmann Group as of December 31, 2022 (German)
Disclosure pursuant to Part 8 CRR (Regulation (EU) Nr. 575/2013 ), § 43 BaSAG and § 65a BWG of the Gutmann Group as of December 31, 2021 (German)
Disclosure of Engagement Policy pursuant to §185 para 1 no 1 Stock Exchange Act 2018
Miscellaneous (payment transactions, securities settlement).
In accordance with the joint committee-guidelines concerning the procedures for handling complaints for security transactions (ESMA) and the banking industry (EBA) as well as according to the Austrian Payment Services Act 2018 (ZaDiG 2018), Bank Gutmann AG has introduced effective and transparent procedures for dealing with investor and payment service user (clients) complaints promptly and appropriately. All complaints received as well as all actions taken to resolve them are documented and archived. Complaints provide important information about potential weaknesses in serving clients and contribute to the enhancement of service quality.
Investors may report complaints to the following address free of charge:
Bank Gutmann AG
Schwarzenbergplatz 16, 1010 Vienna
Phone: +43-1-502 20-211
(on weekdays 9:00 to 16:00 CET)
Bank Gutmann AG ensures that all complaints which are received are handled promptly and that the customer concerned is contacted by us as soon as possible in order to provide an adequate solution. Our dedicated complaints management department is responsible for handling all incoming complaints.
There are further options available to the customer if the complaint is not been satisfactorily resolved:
Bank Gutmann AG has joined the Joint Conciliation Board of the Austrian banking industry (Wiedner Hauptstraße 64, 1045 Vienna, Austria www.bankenschlichtung.at). A further option for lodging a complaint can be made with the Consumer Arbitration Board (Mariahilfer Strasse 103/1/18, 1060 Vienna, Austria www.verbraucherschlichtung.at). As a final recourse, it is also possible to file a civil lawsuit.