You can now cross off financial bottlenecks
With DispoEasy at top conditions

Simply broaden your financial freedom

As an employee, civil servant or worker, you will receive a favourable overdraft facility which you may use as freely as you wish. In order to fulfil spontaneous wishes, for unexpected expenses or in order to settle the often expensive overdraft rate charged by your regular bank. The rate of interest with DispoEasy is generally more attractive than that offered by your regular bank. It's worth comparing!

• Low interest rate: only 4.95%* p.a. debit interest for the first 3 months, thereafter, only 9.95%* p.a. debit interest
• Flexible: up to EUR 50,000.00 available at any time, flexible repayment, unlimited term**
• Free of charge: No account management fees and no handling fees
• Convenient: settle your regular bank overdraft or pay bills at the click of a mouse
• No risk: guaranteed 14-day cooling off period

Compare DispoEasy with the terms of your bank.

Typical example:

An overdraft facility entirely to your wishes

• Low interest rate:
  You pay only 4.95%* p.a. debit interest for the first three months after opening the account – thereafter, only 9.95%* p.a. debit interest. Compare these conditions with those offered by your regular bank: at just 2% difference, you save EUR 300.00 per year (based on a utilised credit of EUR 15,000.00).
• Greater financial freedom:
  With a credit limit of up to EUR 50,000.00 and an unlimited term,** you are free to finance spontaneous wishes and required purchases. You can stay faithful to your regular bank. Your DispoEasy offers you additional freedom. It is good to have a financial reserve which you can fall back on at any time.
• Great flexibility:
  You repay only 3% per month (at least EUR 50.00) of the sum withdrawn, incl. interest, but you can pay back more at any time. If you settle your DispoEasy you will incur no costs. You can draw on your DispoEasy within your credit limit as often as you wish. It's simple and flexible!
• Simple, convenient access:
  Access your DispoEasy around the clock, online, by fax or in writing – to settle your regular bank overdraft or to pay bills, for example. We can handle telephone transfers (to your reference bank) from 9 am to 6 pm Monday to Friday on
  069 770750-444.
• Free service:
  There are no account management fees. Your monthly statements are provided free of charge in your online banking PostBox or by post if required (subject to postage fee).
• If required, with KONTOPROTECTcomfort:
  Take out an affordable residual debt insurance for your DispoEasy and protect your family and yourself from the financial consequences of unforeseen emergencies. For further details, please click here. (available only in German)

Our interest rate bears up to any comparison

A comparison with our competitors' offers shows just how inexpensive the Standard Chartered Bank's DispoEasy is. See for yourself!

Source: FMH-Finanzberatung, version 05.11.2012
Comparison of the DispoEasy interest rate with the overdraft rates for private current accounts. All interest rates are debit interest rates p.a.

Fair and safe: the residual debt insurance for DispoEasy

No one knows what the future brings. With KONTOPROTECTcomfort, the residual debt insurance for your DispoEasy, we offer you a reasonable and affordable insurance for the worse case scenario.

• Effective protection:
  Payment obligations from your DispoEasy will be accepted in case of unforeseen emergency and you and your family are protected from financial burdens.
• Needs-based protection:
  Depending on your professional situation, you have the possibility of protecting yourself against the risks of disability, unemployment through no fault of your own, serious illness and death.
• Extensive benefits:
  With KONTOPROTECTcomfort, you will receive extensive benefits based on your personal situation. You will receive professional assistance in the event of unemployment or disability in order to be able to return to work as soon as possible.
• High age limits:
  Life assurance ends on reaching your 70th birthday and for all other risks on reaching your 65th birthday.
• Low premiums:
  An insurance contribution is only due if your DispoEasy actually shows a debit balance. You pay for the residual debt insurance only 0.89% per month of the average sum withdrawn.
• Voluntary decision:
  The conclusion of the residual debt insurance is voluntary and is not a requirement for setting up DispoEasy.

More details are available in our information sheet on residual debt insurance. (available only in German) The General Conditions of Insurance apply. Please read these carefully. (available only in German)

Secure your DispoEasy now!

There are three ways to apply for your DispoEasy:

• The quickest and easiest is the online application. (available only in German)
• Alternatively, you can also fill out your DispoEasy application on-screen and then print it off for dispatch by fax or post. Download the PDF application form here. (available only in German)
• Or call us and we will send you the application documents by post:
  069 770750-444 (from 9 am to 6 pm Monday to Friday).