Advanzia Bank Lux Promo Rates

Advanzia's Web/IT and customer service response have been very poor from the get-go - read the first 10 or so pages of this thread if you doubt me. I don't have any fear for my capital, but I wouldn't rely on them for timely withdrawals.

What I do wonder about outfits like this is whether I can rely on them to have world class security in place when other aspects of their operation are so consistently awful
 
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Portal has a message when you arrive at the login screen today 10/08/2026 saying as follows:

Due to technical issues, our portal is currently unavailable. We are working hard to find a solution and will ensure that the service is available again shortly. Thank you for your understanding.
 
Patricia23 said:
I see the promo rate is now 3.76, it was 3.97 when I set it up 3 weeks ago but I ever received any notification of the rate and can't find anything referencing the 3.97. does anyone have a link to info showing the promo rate of 3.97 and the conditions attached?
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Sorry - I can't screenshot and edit my statement. I opened my account on July 1st, and I got my first statement on Aug 3rd.
This states the opening balance and the interest added, and a line underneath says:

"The interest rate on your Advanzia deposit account is currently 3.97 % effective (3.9000 % nom.)."

I don't think I have had anything else so far that quoted the interest rate.
So i reckon you will have to wait a week or so till your monthly statement arrives!
 
Working ok for me, although I never did get a reply from them about the last outage. Poor customer service.
 
Anyone having trouble with OTP today? Up until now I’ve always received it despite it being flagged as spam. Today no code arriving after multiple attempts.
 
Should have said I’m on iOS and checked the spam folder but it ain’t in there either.

Edit: After a long delay they all arrive at the one time so all good technically but I’m 50/50 on leaving money with them now as I’ve had a couple of issues and their customer service is non existent.
 
adox said:
customer service
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I've had a couple of long waits etc for account to open, however partly the 'Likely scam' verification text was the delay. When I wasn't able to fix by email, I rang and then was able to fix the issue easily. Fixing required using 2 devices and keeping both open while going through the sequence.
 
I'm on my 5th Advanzia. So couldn't believe that after reading your message @Banquo that they sent an extension.


Good news for you!
Starting October 1, 2026, we are extending the attractive special interest rate for an additional 2 months.
This means that your entire balance will continue to earn the profitable special interest rate of 3.97% effective p.a. (3.90 % nominal p.a.) until and including November 30, 2026.
As usual, you will see the interest rate on your next account statement.
 
Strange that it's effective 1st October - wonder if the rate temporarily drops if the existing promo expires in early/mid September
 
blackdog said:
Strange that it's effective 1st October - wonder if the rate temporarily drops if the existing promo expires in early/mid September
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There's more than one offer doing the rounds it would appear

In my case the 2 month extension (from 1 October to end November) followed on from an increase in rates on an existing account in late June. At that time they emailed to say that the rate on the account was increasing to 3.97% until the end of September. So the extension is relatively seamless.

Whereas:

MoolaMgr said:
I received the email with the current rate extended for 4 months to the end of January at 3.1%.
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Let's see what next week's new customer offer is but it would seem there could be at least three vintages of rates on offer which could create some confusion on here.
 
I got a 3 month extension! They are clearly segmenting customers with some criteria.

Good news for you!



Starting October 1, 2026, we are extending the attractive special interest rate for an additional 3 months.



This means that your entire balance will continue to earn the profitable special interest rate of 3.40% effective p.a. (3.35 % nominal p.a.) until and including December 31, 2026.
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Lightning said:
I got a 3 month extension! They are clearly segmenting customers with some criteria.
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You got a 3 month extension on 3.4%.
MoolaMgr above has 4 months extension at 3.1%.
The people on 3.97% including myself have got a two month extension.

It appears the higher the rate your on, the lower the extension which makes sense from a business point.
 
It's smart from them as the rate will become less attractive if or when the ECB raise rates twice in the coming months. So any premium they were paying will erode.
 
Consistent with the above, this is what i received by email

Good news for you!

Starting October 1, 2026, we are extending the attractive special interest rate for an additional 3 months.

This means that your entire balance will continue to earn the profitable special interest rate of 3.40% effective p.a. (3.35 % nominal p.a.) until and including December 31, 2026.

As usual, you will see the interest rate on your next account statement.
Click to expand...

This will mean that I’ll be have the benefit of the 3.4% rate for 9 months in total, 1st April to 31st December
 
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