Hyundai Capital Bank Europe GmbH products, services and reviews

About Hyundai Capital Bank Europe GmbH

Hyundai Capital Bank Europe GmbH is a German credit institution within the Hyundai Capital group, the financial services arm of Hyundai Motor Group. It operates under a full banking license in Germany and is supervised by BaFin and the Deutsche Bundesbank within the European banking framework. The bank’s core business is automotive finance and related services for the dealer networks and retail customers of Hyundai, Kia, and Genesis, covering products such as retail auto loans, leasing, dealer floorplan and working capital facilities, fleet solutions, and insurance intermediation. In addition to captive finance activities, it offers deposit products, including term deposits made available directly or via online marketplaces; customer deposits are protected by the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor. As a GmbH, it is incorporated under German law and subject to capital and liquidity requirements under CRR/CRD, as well as conduct, AML, and consumer protection rules applicable to credit institutions. The risk profile is tied to the European automotive sector, with exposures to borrower credit risk, dealer concentration, residual value risk in leasing, and interest rate and funding risk. Customer onboarding and account servicing are provided through digital channels and partner dealerships across the German market.