Dornbirner Sparkasse Bank AG

Sparkassenplatz 1, A-6850 Dornbirn www.sparkasse.at

It may perform the following services:

  • 1. Acceptance of deposits and other repayable funds
  • 2. Lending including, inter alia: consumer credit, mortgage credit, factoring, with or without recourse, financing of commercial transactions (including forfeiting))
  • 3. Financial leasing
  • 4. Payment services as defined in the Article 4(3) of the Directive 2007/64/EC
  • 4a. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 4b. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 4c. Execution of payment transactions, including transfers of funds on a payment account with the user's payment service provider or with another payment service provider:
    • execution of direct debits, including one-off direct debits,
    • execution of payment transactions through a payment card or a similar device
    • execution of credit transfers, including standing orders.
  • 4d. Execution of payment transactions where the funds are covered by a credit line for a payment service user:
    • execution of direct debits, including one-off direct debits,
    • execution of payment transactions through a payment card or a similar device,
    • execution of credit transfers, including standing orders
  • 4e. Issuing and/or acquiring of payment instruments
  • 4f. Money remittance
  • 4g. Execution of payment transactions where the consent of the payer to execute a payment transaction is given by means of any telecommunication, digital or IT device and the payment is made to the telecommunication, IT system or network operator, acting only as an intermediary between the payment service user and the supplier of the goods and services.
  • 5. Issuing and administering other means of payment (e.g. travellers' cheques and bankers' drafts) insofar as this activity is not covered by point 4
  • 6. Guarantees and commitments
  • 7. Trading for own account or for account of customers in
  • 7a. money market instruments (cheques, bills, certificates of deposit, etc.)
  • 7b. foreign exchange
  • 7c. financial futures and options
  • 7d. exchange and interest-rate instruments
  • 7e. transferable securities
  • 10. Money broking
  • 11. Portfolio management and advice
  • 12. Safekeeping and administration of securities
  • 13. Credit reference services
  • 14. Safe custody services
  • 15. Issuing of electronic money
  • M. Services related to financial instruments according to Directive 2004/39/EC (MiFID)