Frequently asked questions (FAQ)

You are at least 18 years old.

You have your main residence in Austria.

You are acting on your own account, i.e. you are not opening the account for someone else.

You have an Austrian current account (reference account) in the name of the same account holder as the direct savings account to be opened.

You have a mobile phone for the mTAN procedure

The reference account is a current account at your house bank, which is used for payment processing and payment transactions (Attention: please do not specify savings accounts, profit and loss accounts or similar). Payments and deposits can only be made to or from the specified reference account.

The IBAN (International Bank Account Number) is the international bank account number of your reference account. You need this 20-digit code to open an account. You will find it on every account statement of your reference account or on your ATM card or you can ask your bank for it. Please enter the IBAN without spaces.

During the identification process, you will be identified as a customer by Porsche Bank. Porsche Bank is obliged to do this for legal reasons.

For legitimation we require a clearly legible copy of an official photo ID. We accept the following types of ID for legitimation:

valid passport

valid identity card

You have collected all your documents in your ePostbox. These can also be saved separately.

Disposition and interest rate change emails are stored in your ePostbox and sent directly to your email address. This means that you can have important information at your fingertips and have e-mail messages and documents collected in your e-Postbox.

1. enter as usual via https://www.direktsparen.porschebank.at/

2. in the overview you will find the menu item ePostbox

3. click on the ePostbox menu item and follow the instructions.

Porsche Bank's experts assess the residual value of your leased vehicle based on the agreed mileage and term in line with current market conditions. Our experience as a market leader enables a realistic residual value estimate.

If the intensity of use is as agreed and the market develops as expected, Porsche Bank's professional liquidation structures ensure the lowest possible residual value risk for the customer and a smooth end to the contract.

A residual value leasing contract can be terminated by you in writing at any time. The difference between the termination value and the used car proceeds will be settled with you.

Ongoing operating costs, such as comprehensive and liability insurance, engine-related insurance tax, maintenance and repair costs. The statutory contract and handling fee is incurred upon conclusion of the contract.

When the contract expires, return the vehicle to the dealer who delivered it. He/she will be happy to advise you on the exchange of the vehicle and the conclusion of a new contract. If you wish to continue using your vehicle, you can simply continue the leasing contract.

Wear and tear and accident repairs are taken into account in the final contract settlement, unless they are covered by a maintenance contract or comprehensive insurance. Deviations from the agreed mileage are included in the final settlement.

For contracts concluded with fixed interest rates, nothing changes until the end of the contract.

Contracts with variable interest rates are adjusted. The 3-month EURIBOR serves as the basis for calculation. If this changes by more than 0.25% points, the fee will be adjusted as of the first of the month of the following quarter.

A loan is a form of financing in which the purchase price plus accruing financing interest is divided into monthly installments over a specific term. Special payments are possible at any time. Upon payment of the last loan installment, the vehicle becomes your property.

The great advantage with a loan is that you can make special payments at any time and thus reduce the total term of the loan. You can also pay the entire outstanding loan amount at once and thus become the unrestricted owner of the vehicle.

When the debt waiver is concluded, the outstanding loan is covered upon the borrower's death. This protects your heirs from unforeseen payments and the vehicle becomes their property.

In addition to the monthly loan installments, ongoing operating costs such as comprehensive and liability insurance, engine-related insurance tax, and maintenance and repair costs must be paid. Processing costs are incurred upon conclusion of the contract.

GAP coverage ensures that nothing can happen to you financially in the event of a total loss or theft. Why not? Quite simply, if GAP coverage is not included in the comprehensive insurance policy for a leased vehicle, insurance companies generally only cover the market value of your car. This is usually lower than the outstanding financing amount. Policyholders would have to pay the difference out of their own pocket.

This is not the case with Porsche insurance. GAP coverage is a fixed component of the partKASKO and guarantees you financial protection.

For example, if a car has a lease payment of EUR 14,000 but a market value of only EUR 11,000, the GAP coverage will cover the outstanding EUR 3,000.

Regardless of whether it was your own fault or someone else's: with teilKASKO, you can sit back and relax. As soon as you have submitted the claim, the specialists at Porsche Insurance will take care of all the details for you.

You can safely leave your wallet at home for the time being. When you pick up your repaired car, you don't need any cash. The agreed deductible only becomes due when it is clearly established that you were at fault.

Hand in the damaged car at a brand workshop and fill out the damage report at the workshop. Porsche Insurance will then take care of the entire claims process and arrange payment for the repair directly with the workshop.

After an accident, the question of fault is often unclear. Justified claims by the other party are covered by your vehicle's motor vehicle liability insurance, while unjustified claims are defended against. For the enforcement of your own claims for damages (e.g. compensation for pain and suffering), on the other hand, you need motor vehicle legal protection insurance in order not to be burdened with unexpected lawyer and court costs when enforcing your claims in court.

Unlike many other legal protection insurance policies, Porsche Versicherung does not have a deductible. The costs of necessary legal action (up to a maximum of the sum insured) are covered in full. You can therefore face a legal dispute with peace of mind.

You are free to choose which lawyer represents you in court. With Porsche Versicherung's motor vehicle legal protection, you alone decide who you trust to represent your good law.

Porsche Insurance specializes in your needs as an owner and driver. Therefore, damages, criminal and driving license legal protection for your car are insured.

Passenger accident insurance is an important safety cushion for you and your family. It can quickly happen that you, as the driver of the vehicle, are at fault for an accident and injure yourself. This is then no longer part of the motor vehicle liability. But it's a good thing that passenger accident insurance is available for this. Regardless of whether the accident was caused by someone else or by you - we guarantee cash benefits for you and all passengers.

You can read about the dismemberment schedule in the General Terms and Conditions for Motor Vehicle Passenger Accident Insurance of Porsche Versicherungs AG, as amended from time to time. You will receive your personal copy of the conditions together with the insurance policy.

Porsche Insurance offers the so-called seat system. This means that the same agreed sum insured applies to each approved seat.

The TopGarantie covers damage to specific components listed in detail in the terms and conditions (also known as an assembly warranty). The TopGarantie is perfect for vehicles with above-average mileage, as the end of coverage does not occur until the vehicle reaches 250,000 kilometers. A mileage-based deductible applies to the components required for the repair. The maximum benefit per claim is EUR 2,500 from a mileage of 150,000.

In contrast, the TopGarantie PLUS corresponds to the scope of the manufacturer's warranty. It ends at 120,000 kilometers. This means that the scope of benefits goes far beyond the assembly warranty - and all without a deductible.

To receive the full benefits of the TopGarantie or TopGarantie PLUS from Porsche Insurance, it is necessary to carry out the ongoing maintenance and service work prescribed by the manufacturer. They must also be recorded in the service manual by a recognized authorized workshop or at the dealer from which you purchased the car.

The factory warranty exists in addition to the legally binding warranty claims. It pays for repair costs incurred due to defects in the vehicle within the first two years after new purchase of the car.

The extended warranty from Porsche Versicherung, on the other hand, is a separate contract between the customer and Porsche Versicherung. It serves to extend the manufacturer's warranty. With the TopGarantie PLUS, for example, you enjoy the same protection as with the factory warranty.

Modifications to your car that have not been approved by the manufacturer pose a high risk of damage to mechanics and electronics. In this case, therefore, the insurance coverage of the extended warranty does not apply.

The product can be taken out in just a few minutes both at your retailer and online on our website at identical prices.