WSK Bank AG products, services and reviews

About WSK Bank AG

WSK Bank AG is an Aktiengesellschaft licensed to conduct banking business and operates under the banking supervision framework of its home jurisdiction, with deposits protected by the statutory guarantee scheme up to the applicable per‑depositor limit. Its offering is consistent with a universal banking model, covering deposit accounts, payment services, and credit to retail and business clients delivered via branch and remote channels, with product availability and pricing dependent on account type and risk profile. Prospective customers should examine the bank’s published financial statements and regulatory disclosures for capital adequacy (CET1 and total capital ratios), liquidity (LCR/NSFR), asset quality (non‑performing loan levels and coverage), profitability (net interest margin and cost‑to‑income ratio), and funding mix (customer deposits versus wholesale sources). Fee schedules typically distinguish account maintenance, card issuance and usage, ATM withdrawals, domestic and cross‑border transfers, and foreign currency conversion; term deposit conditions may include tiered rates and penalties for early withdrawal. Digital channels generally support balance and transaction views, payments, card controls, and secure login with multi‑factor authentication; users should verify feature scope, processing cut‑offs, and limits before relying on them for time‑critical tasks. Lending decisions are driven by documented income, collateral, and credit history, with pricing linked to risk segmentation and, where relevant, variable reference rates. Customer service follows defined service levels and legal response deadlines; clients should note escalation paths and ombudsman or arbitration options. Before opening an account, confirm identification and residency requirements, current fee and interest notices, and the precise terms of deposit protection applicable to the bank’s domicile.