RCI Banque S.A. Niederlassung Deutschland

RCI Banque S.A. Niederlassung Deutschland is the German branch of RCI Banque S.A., the captive finance company of Renault Group that operates commercially as Mobilize Financial Services; it supports the group’s brands in Germany by providing auto loans, leasing, balloon financing, dealer and fleet solutions, and related insurance and service products, marketed under brand names such as Renault Bank, Dacia Bank and Nissan Bank. For retail funding, the branch offers online savings products via Renault Bank direkt, including variable-rate easy-access accounts and fixed-term deposits, with account opening and servicing handled digitally and without a branch network; transfers typically route through a designated reference account and early termination of fixed terms is generally restricted by contract. As a branch of a French credit institution, customer deposits are protected by the French deposit guarantee scheme (Fonds de Garantie des Dépôts et de Résolution) up to 100,000 euros per depositor and per institution; there is no additional coverage from the German private bank protection scheme. The entity operates in Germany under the EU passport regime, with the French ACPR as home supervisor and host-state oversight by BaFin and Deutsche Bundesbank; it is subject to EU banking rules and, where applicable, the Single Supervisory Mechanism. Pricing, credit approval, and promotional rates are set by the bank and can change, and financing offers are typically distributed through brand dealerships and online channels. Interest earned on savings is handled under German tax procedures for residents (including the use of exemption orders and non-assessment certificates), and product availability and onboarding are generally limited to individuals with German residence who complete standard identity verification.