anadi bank

What anadi bank does

Anadi Bank is an Austrian-licensed digital bank (legal entity: Austrian Anadi Bank AG) headquartered in Klagenfurt am Wörthersee, operating across three explicit business divisions: Digital Banking, Public Finance, and Corporate Banking. Its retail product portfolio centers on consumer loans up to €50,000 (fixed or variable rate, with optional credit insurance), digital current accounts (including free salary/pension accounts), debit and credit cards, Tagesgeld flexible savings, and Festgeld fixed-term deposits. The bank also operates a corporate banking brand (anadiCORPORATE) and a public finance segment, which adds a non-retail revenue dimension relative to pure-play neobanks.

Name

anadi bank

Legal name

Austrian Anadi Bank AG

Website

https://austrian-anadi-bank.com

Company type

Public

Operating status

Operating

Headcount range

101–250 employees

Short description

Austrian-licensed digital bank offering consumer loans up to €50,000, current accounts, savings products, and corporate and public finance banking services to retail and business customers in Austria.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Digital retail banking
• Consumer credit lending
• Online savings accounts
• Corporate banking services
• Mobile banking platform

Headquarters

HQ city

Klagenfurt am Wörthersee

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Credit/Lending: Online consumer loans up to €50,000 with fixed or variable interest rates. Credit insurance is also offered.
2. Deposit Taking: Savings products including fixed-term deposits (Festgeld) and flexible daily savings (Tagesgeld/Online-Sparen) with competitive interest rates
3. Current Account Services: Giro accounts, salary/pension accounts, debit cards, credit cards, with associated fees
4. Payment Services: Real-time SEPA transfers, IBAN validation, and other payment transaction services
5. Corporate Banking: Business banking services under anadiCORPORATE brand

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Anadi Bank is an Austrian digital bank that provides consumer loans up to €50,000, online current and salary accounts with debit and credit cards, flexible daily savings (Tagesgeld/Online-Sparen) and fixed-term deposits (Festgeld), plus corporate banking services under the anadiCORPORATE brand and a public finance business line. Customers access the full product portfolio digitally via the Anadi website, internet banking portal, and native iOS/Android mobile apps, with secure transaction authorization through the TresorTAN app. The bank combines its online banking stack with personal customer support (phone, co-browsing, callback) and partner Trafiken cash points.

Product overview

Anadi Bank is an Austrian digital banking institution offering a digital-first banking product portfolio comprising Online-Kredit (consumer loans up to €50,000), Online-Konto (digital current and salary accounts with debit/credit cards), Anadi Online-Sparen (flexible Tagesgeld savings), and Anadi Festgeld-Sparen (fixed-term deposits). The core digital experience is delivered via Anadi Internetbanking (web platform) and native Anadi Mobile Banking App for iOS and Android, with Anadi TresorTAN App providing secure transaction authorization. The bank's three business divisions are Digital Banking, Public Finance, and Corporate Banking.

Differentiator

Problem solved

Functional benefit

Products and services

• Online-Kredit (Online Consumer Credit) Consumer installment loan up to €50,000 for personal needs, available with fixed or variable interest rate, with optional credit insurance and a fully online application process; targeted at Austrian retail customers seeking personal borrowing.
• Online-Konto (Online Current Account) Digital current account offered as a standard Giro account or free salary/pension account, with an optional debit card and credit card and full internet banking access; targeted at Austrian retail customers for everyday banking.
• Anadi Online-Sparen (Flexible Savings / Tagesgeld) Flexible daily savings account (Tagesgeld) combining attractive interest rates with maximum accessibility and no lock-in period; targeted at Austrian retail customers seeking liquid, interest-bearing deposits.
• Anadi Festgeld-Sparen (Fixed-Term Deposit) Fixed-term deposit product with guaranteed interest rates for the agreed maturity period; targeted at Austrian retail customers seeking term deposits with locked-in returns.
• anadiCORPORATE (Corporate Banking Services) Corporate banking services delivered under the separate anadiCORPORATE brand and dedicated site (anadicorporate.com), covering business accounts and related corporate banking products; targeted at Austrian business and corporate clients.
• Public Finance One of the bank's three business divisions alongside Digital Banking and Corporate Banking, providing public finance banking services; targeted at Austrian public-sector or related finance engagements.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• BAWAG Group: Austrian retail and corporate bank with strong consumer lending, savings, and digital channels; competes directly with Anadi across Online-Kredit, current accounts, and Tagesgeld/Festgeld offerings in the Austrian market.
• Volksbank Austria: Austrian cooperative bank group offering consumer credit, current accounts, and savings products to retail and SME customers — a direct comparable for Anadi's retail product suite within Austria.
• ING-DiBa Austria: Austrian branch of ING's German digital-first retail bank; competes head-on with Anadi on online current accounts, consumer credit, and Tagesgeld savings in Austria.
• Santander Consumer Bank (Austria): Austrian consumer-finance specialist offering installment credit and related retail products — a directly comparable competitor for Anadi's Online-Kredit up to €50,000.

Broad incumbents

• Erste Group Bank: Leading Austrian universal bank (parent of Sparkassen) offering retail deposits, consumer credit, corporate banking, and public finance — overlapping substantially with Anadi's three divisions but at much greater scale and brand reach.
• Raiffeisen Bank International: Austrian-headquartered universal bank providing retail, corporate, and public/institutional finance across CEE — directly comparable to Anadi's Public Finance and Corporate Banking pillars in addition to retail.
• Bank Austria (UniCredit): Major Austrian universal bank (UniCredit subsidiary) covering retail deposits, consumer credit, corporate banking, and public finance — a broad incumbent comparable to Anadi's full product set.

Others

• HYPO-Bank Burgenland (parent): Parent company and sole shareholder of Anadi Bank; comparable regional Austrian bank offering retail, corporate, and public finance products in a similar Austrian mid-tier profile.

Emerging players

• DKB (Deutsche Kreditbank): German digital-direct bank offering consumer current accounts, Tagesgeld-style savings, and consumer credit; a relevant comparable for Anadi's digital banking model and product economics.
• Revolut Bank (Austria / EU): Digital-first multi-currency account and payments provider operating across Europe; competes with Anadi for digitally active Austrian retail customers seeking app-based banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCIDSSsR4Wtf36qwEay2qH8g
• LinkedInlinkedin.com/company/anadibank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about anadi bank