Honda Bank GmbH products, services and reviews

About Honda Bank GmbH

Honda Bank GmbH is a captive finance institution of the Honda group in Germany, licensed as a credit institution and supervised by BaFin and the Deutsche Bundesbank. Its core activities focus on financing for Honda passenger cars and motorcycles, including installment loans, leasing, and dealer floorplan financing, and it also intermediates ancillary products such as insurance linked to vehicle purchases through the Honda dealer network. It is not a universal retail bank and does not offer day-to-day banking (no current accounts or cards); customer relationships typically stem from credit and leasing contracts originated via dealerships or online applications. To diversify funding, it has offered retail deposit products such as call money and fixed-term deposits to private customers in Germany; eligible deposits are protected up to 100,000 euros per depositor under the German statutory deposit guarantee, with rates and conditions set per product and subject to change. Credit decisions follow standard German underwriting practices, including identity verification and SCHUFA checks, and agreements specify fees, repayment schedules, and early settlement rules aligned with applicable consumer credit law; terms for business customers can differ. The bank publishes annual financial statements and regulatory disclosures in Germany, and prospective customers should review current price lists, prepayment provisions, and contract conditions on official channels before entering into agreements or submitting complaints.