Oberbank AG, Niederlassung Deutschland products, services and reviews

About Oberbank AG, Niederlassung Deutschland

Oberbank AG, Niederlassung Deutschland is the German branch of Oberbank AG, an Austrian bank headquartered in Linz and part of the 3‑Banken‑Gruppe, operating across Austria and selected Central European markets. The German branch is not a separate legal entity; customers contract with Oberbank AG, and deposits are covered by the Austrian deposit guarantee scheme (Einlagensicherung AUSTRIA) up to EUR 100,000 per eligible depositor, with investor protection for securities services under EU rules. Prudential supervision lies primarily with Austria’s FMA within the EU Single Supervisory Mechanism, while activities in Germany are subject to local regulatory requirements and oversight by BaFin and the Deutsche Bundesbank. In Germany, the bank’s business is geared toward corporate and private banking rather than mass‑market retail, with a focus on services for SMEs and mid‑cap companies, including working capital and investment financing, real estate and project finance, trade finance and documentary business, and day‑to‑day cash management, alongside investment and wealth services for private clients. Pricing for lending is typically relationship‑ and risk‑based (often referenced to market benchmarks), and fees for accounts, payments, custody, and advisory are set out in published price lists or negotiated individually for corporate mandates. The branch network is limited to a small number of offices, primarily in southern Germany, and service is delivered through relationship managers supported by online banking channels. Standard KYC/AML, MiFID II, and consumer‑protection disclosures apply, including cost and charges information and target‑market assessments for investment products. Prospective clients should verify current product availability, eligibility, and applicable terms directly with the branch.