© European Standard Bank. All rights reserved.

Terms of use

  • European Standard Bank

European Standard Bank is operated by European Standard Bank only, independent financial institution and is subject to European Standard Bank's terms of use.


European Standard Bank requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

You agree that your use of this Site shall be governed by International law and agree that jurisdiction and venue shall be located in European Union.

European Standard Bank maintains this Site to provide you with information about European Standard Bank products and services and to facilitate communication with European Standard Bank and its related companies. From time to time we may revise these terms and conditions.

Copyright in the images, text, screens, and web pages appearing at the Site are owned by European Standard Bank or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of European Standard Bank.

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. European Standard Bank reserves the right to determine the eligibility for any product or service. Investment products and services offered through the Site (i) (CSA accounts) are not bank deposits and are not insured by the FDIC, (ii) are not bank guaranteed, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.

Unless otherwise prohibited by law, any communication or material you transmit to us via the Site or Internet electronic mail is on a non-confidential basis and European Standard Bank may use such communication or material for any legal purpose whatsoever, including reproduction, publication, broadcast and posting. We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

With regard to services or products purchased or obtained by you through the Site from a person or entity other than European Standard Bank, European Standard Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and European Standard Bank specifically disclaims all other warranties with regard to such services or products.

European Stardand Bank does not provide the next services for clients:

  • Credit and Debit Cards
  • Documentary Letter of Credits
  • Cash services
  • Loans
  • Bank Guarantee and any other securities
  • Using of clients funds for Futures and FOREX trading
  • any SWIFT confirmations and other SWIFT related documents


SSA account (Standard Saving Account) - is transactional account give you rights to make any transactions inside and outside ESB without limitations. Because money is available on demand these accounts are also referred to as demand accounts or demand deposit accounts.Transactional accounts are meant neither for the purpose of earning interest nor for the purpose of savings, but for convenience of the business or personal client; hence they tend to not bear interest. Instead, a customer can deposit or withdraw any amount of money any number of times, subject to availability of funds.

CSA account (Combined Saving Account) - it's a subaccount used for deposits, loans, automatic letters of credit, as well as for escrow transactions and internal settlements (clearing transactions). CSA accounts should be managed by financial professionals or with the assistance of professional financial advisors. Information on the use of this type of sub-account can be found in the personal account of the client bank of the European Standard Bank, in the "Help" section.

CCA account (Cash Currency Account) - is analog of the Austrian account with a password. Only one difference is that instead of issuing password book, the customer buys banknote at a local bank or Currency Exchange of the same currency that is equal of currency of bank account he want to open. Series and number of this banknote indicates when registering as the number of his bank account. This account provides privacy for one level higher after the numbered account, as well as any personal information of customer bank does not hold. With this type of account the customer hold also a secret code word. All bank operations should be performed only in behalf of person who knows the login and password, and additional password for transactions. This is an account payable to bearer, a note - "bearer instrument". Whoever owns the notes and passwords, controls the account. If you have lost any of them, you lose all rights to your account, along with rights to the money which it is stored, just as you would have lost your wallet with the money. It is recommended that you passwords reserve (duplicate) several times by different methods and store in secure place. Please also keep in secure place your registered with bank banknote, which now replaces the Passport in any your relations (communication) with the bank.