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HypoVereinsbank HVB PlusKonto

A current account with emergency cash features and free SEPA ATM withdrawals.

HypoVereinsbank (HVB), a subsidiary of UniCredit, is one of the largest commercial banks in Europe. HVB’s current account, the HVB PlusKonto, comes with plenty of useful features — from free debit and credit cards to “Couple” accounts. In this review, we’ll take a look at the features of the HVB Plus Account and its costs to help you decide whether it is the right account for you.

9.90 €

Management Fee

5 €

Card Fee

Details

Product NameHypovereinsbank HVB Current Account
Management Fee9.90 €
Card deliveryN/A

How does the HVB PlusKonto work in Germany?

The HVB PlusKonto is a standard current account in Germany. Like most bank accounts, a current account is a simple deposit account that you use to hold your cash. You can get your employer to directly deposit your salary into your current account, which you can then access by either withdrawing the cash from an ATM or by making a purchase with your linked debit card.

Key Features

With the HVB PlusKonto, you can look forward to the following features.

  • Complimentary cards. With the HVB PlusKonto, you’ll get your own complimentary Mastercard credit card and Girocard.
  • Free cash withdrawals. Withdraw cash for no additional fees at over 27,000 ATMs throughout the Cash Group network.
  • Mobile Payments. With HVB PlusKonto, you can pay safely and securely through Apple Pay.
  • Reliable security features. Ensure that your app logins are secure using fingerprint or facial recognition-based logins.
  • Prevent fraudulent transactions. With Mastercard Identity Check, you can block your card in seconds should suspicious activity occur.
  • Benefits program. HVB Valyou offers exclusive discounts in securities transactions and real-estate financing, along with complimentary gifts like a €100 Amazon voucher.

The HVB PlusKonto also offers the following features that its competitors in Germany typically do not.

  • 5% reimbursement for travel bookings. You can choose from over 250 travel providers with HVB’s travel booking service. You will receive a 5% refund within six weeks of the trip.
  • Emergency cash. If you ever find yourself with insufficient cash, you can withdraw emergency cash at ATMs in over 120 countries.
  • Card protection hotline. If you lose your HVB debit or credit cards, you can block your cards with just one call.

Fees and limit

Here are some important fees to take note of before you sign up with HVB in Germany. Do note that this list is not exhaustive, and the amount you’ll end up paying depends on how you use your account.

  • Monthly account fee: €9.90
  • Overdraft cost: 10.37%
  • Realtime money transfers: €0
  • Cost of an additional girocard: 5 €
  • Cost of HVB V Pay card: €30 annually
  • HVB Mastercard Gold annual fee: €20 – €80 (depending on your transactions)
  • FCB Mastercard annual fee: €30
  • HVB Visa Card annual fee: €30

Pros and cons of HVB PlusKonto

Pros

  • All SEPA withdrawals and transfers are free
  • Attractive rewards program with vouchers and fee waivers
  • Unique features like emergency cash and card protection hotline
Cons

  • Free cash withdrawals abroad are only applicable to 13 select countries
  • Customer service is not available 24/7, and only available in German
  • Only local residents within Germany are eligible for the account

How to sign up for HVB PlusKonto

To sign up for the HVB PlusKonto in Germany, visit HVB’s website and fill up their online sign-up form.

You will be prompted to choose between creating a PlusKonto for yourself or a joint account. Next, you’ll be asked to provide relevant personal details like your name, birth date, address, mobile number, and email address.

Finally, you’ll have to consent to share your data with the bank and for them to get in touch with you for identity verification. There are two methods of verification, via VideoIdent (online video call) or PostIdent (a printed form). HVB also allows you to switch from an existing bank account provider, which means that they will sort out the transfer of account balances and help you close your old account.

If you are an existing HVB customer, you can sign up for the PlusKonto easily via your mobile banking app. You will not have to provide your personal details or go through any identity verification process.

Bottom Line

HVB PlusKonto is an affordable current account with a useful range of features and a straightforward sign-up process. It is a great choice for those who want a fuss-free current account for everyday spending in Germany.

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