Advanzia Bank Lux Promo Rates

I got an email, had to lodge 5k before Sept 30 for higher rate until end of year, a lot of hassle actually but suppose ever little counts! With the reductions and end of special offers was going to shop around when I got the email
 
Also had problems before with "intermediary BIC" before which my bank tells me is no longer an issue as it's all IBAN only now in EU.
I was told my account was open on sept 5th. I had account no and sent €100. Trying to register for online bank since and been stuck in a loop of hitting "no credentials". Must have sent email every 2 days and no response until yesterday. Apparently, they hadn't closed my old accounts fully, and so that was stopping the new account from working.
 
Trying to register for online bank since and been stuck in a loop of hitting "no credentials".
New account opened on August 28th. Yesterday was sent this detailed re register info. I haven't been getting the SMS, so I think that is the issue.

"You have to register your deposit account at our customer protal using the following link: https://mein.advanziakonto.com

• Please click on "Noch nicht registriert"
• Enter your account number and your date of birth.
• You will receive a 6-digit code via SMS to your mobile phone.

Next, you need to choose a username and password for your online service. Repeat the password. After you have chosen your username and password, please click on "weiter".

You will then receive an email confirmation along with your username."
 
I haven't been getting the SMS, so I think that is the issue.
What mobile provider are you with? I've seen people on some of the virtual operators reporting that they sometimes don't get such 2FA text messages. Even though I've never had that problem on 48 myself.
 
don't get such 2FA text messages
Last Friday, I asked Advanzia to ring. In fairness they did and at the correct time as well. I needed to be 2 devices. I needed to follow instructions precisely, and not hit the back button. Once I asked for creditials and link to be sent to email first, I had to use 2nd device to find email and verify. Then on first device I could hit next screen, and immediately received notification code. So problem got solved but only with 2 devices. They were able to explain that the 3 month office only starts once €5000 goes into account, and not on the date of opening.
 
understand either of these sentences.
Sorry. I am probably dyslexic and always leaving out works. I needed to logon using laptop and then verify the 'creditentials' email on my phone. Once I did used 2 devices, the SMS code came to phone.

I was set up on 'new customer' account on August 25th. I still didn't have access to account online by October. The rep explained that the 3 month introductory interest rate only starts from when €5000 goes into account / not when account is set up.
 
Anyone having issues withdrawing from Advanzia? Tried a few times today to withdraw funds and keep getting this error message:
"An unexpected error occurred. Please wait at least five minutes and check if the payment has been recorded before trying again."
Suffice to say the withdrawals have not been processed.
 
Could it be anything to do with verification of payee?
When did you last successfully withdraw money?
 
Could it be anything to do with verification of payee?
Perhaps. I haven't withdrawn recently but you can't add a payee - you can only withdraw to an account you've transferred in from. So you can't edit a payee details as far as I can see.
 
Just jumping through the hoops of closing and opening another account. Am I missing something or is the current teaser 3 months rate actually 2.94% now?
 
An unexpected error occurred. Please wait at least five minutes and check if the payment has been recorded before trying again."
Here is the email address to write to: advanziakonto@advanzia.com

I need the October statement, as it isn't available yet, so I emailed them last night. I have had a few mistakes with this account, and all were rectified once I emailed customer service.
- They had opened a new account, without closing the first account fully.
- There was an issue with registering the new account. I received a phone call from Advanzia and step by step walk through on how I needed to use 2 devices to register.
- I accidentally then sent money to old account, and emailed straight away to explain. Advanzia emailed back within 2 days and money was returned.

So hopefully an email will help.
 
Just jumping through the hoops of closing and opening another account. Am I missing something or is the current teaser 3 months rate actually 2.94% now?
Doing exactly the same. I'm just thankful I noticed the interest rate dropped down to 1.5% in the monthly statement.

Hadn't noticed the interest rate that jumped to 2.94% but I'll take it if it's going :)

Got confirmation this morning my account has closed and now just waiting for the money to come into my bank account before signing up again.
 
Here is the email address to write to: advanziakonto@advanzia.com

I need the October statement, as it isn't available yet, so I emailed them last night. I have had a few mistakes with this account, and all were rectified once I emailed customer service.
- They had opened a new account, without closing the first account fully.
- There was an issue with registering the new account. I received a phone call from Advanzia and step by step walk through on how I needed to use 2 devices to register.
- I accidentally then sent money to old account, and emailed straight away to explain. Advanzia emailed back within 2 days and money was returned.

So hopefully an email will help.
It seems to have been a temporary issue and withdrawals worked today!
 
From January 1, 2026, you will benefit from our attractive interest rate for a further 3 months. We guarantee you our special interest rate of 2.73% eff. p.a. (2.70% nom. p.a.) up to and including March 31, 2026.



Is this interest rate not yet attractive enough for you? Then transfer at least an additional amount of € 5,000 into your Advanzia Deposit account by November 30, 2025, and we will grant you our special interest rate of 3.04% p.a. effective (3.00% nom. p.a.) from the day of the additional payment until March 31, 2026, on your entire balance.
Just hope it's not a Ponzi Scheme!!
 
They've extended the 3.09% offer until 31.01.26, but I just can't seem to get past the AI identification process. I take a photo of my passport and then a selfie photo, both times receiving the 'perfect' message on screen, but then when taken to the 'verifying, please wait' page, it waits for about 20 seconds, and then just loops back to the start of the process.

I emailed them to ask if the AI tool is buggy, and they replied about ensuring my photos aren't too bright or too dark. Tried doing this indoors, outdoors, during the day, and in the evening. I don't have any other form of ID to try with. The only other issue I can think it might be is that my passport photo is over 10 years old. I do still look quite the same to the naked eye, but maybe AI are picking up some wrinkles or aged skin.

Any other pointers would be appreciated.
 
then when taken to the 'verifying, please wait' page, it waits for about 20 seconds, and then just loops back to the start of the process.
Hi - hope you got sorted as I see the rate advertised is now 2.8%.
I had this issue in October 25. I could not get out of the same loop. Advanzia finally telephoned and walked me through some problem solving.
So.lets say you are on you phone, and get to the point that you have to click a button, to send a verification link that comes to your email. At this point, leave phone OPEN. Do not go back or forward. DO NOT LEAVE THAT SCREEN. MOVE to another device and check emails. CLICK THE Verification LINK on email. Then you will immediately see phone screen change and you will be able to progress.
 
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