GLADBACHER BANK AG von 1922 products, services and reviews

About GLADBACHER BANK AG von 1922

GLADBACHER BANK AG von 1922 is a regional German credit institution headquartered in Mönchengladbach and established in 1922, operating in the legal form of an Aktiengesellschaft under the German Banking Act (KWG) and supervised by BaFin and the Deutsche Bundesbank. The bank’s offering typically covers current and savings accounts, term deposits, domestic and cross‑border payments (SEPA and international wires), card services, overdrafts, consumer and real estate financing, business lending and guarantees, as well as securities brokerage, custody accounts, and investment services provided under MiFID II rules on suitability and appropriateness. Fees and conditions are published in the Preis‑ und Leistungsverzeichnis and generally apply to account packages, card issuance and usage, transfers (particularly cross‑border), cash services, securities custody, and order execution; rates and charges are subject to change and depend on product selection and customer profile. Eligible deposits are protected by Germany’s statutory deposit guarantee scheme up to 100,000 EUR per depositor and per bank; any additional protection through a voluntary scheme depends on the institution’s current participation and applicable limits and should be verified before placing larger balances. Account opening requires identification in line with German AML/KYC rules (e.g., in‑branch legitimation, PostIdent or VideoIdent), with additional documentation for business customers and potential restrictions for non‑residents. As a stock corporation, the bank publishes audited financial statements and regulatory disclosures, which provide the most reliable source on capital adequacy, liquidity, risk management, and business focus. Clients who rely on relationship banking, credit solutions, and regulated investment services in North Rhine‑Westphalia will find a conventional product set typical of a regional private bank, but product availability, digital functionality, and service levels should be confirmed directly with the institution before onboarding.