It has been almost exactly two years since Germany’s largest direct bank Per diem for new customers has deleted. Now the “Extra-Konto” der ING a brilliant comeback. New customers now receive 1.00 percent per year, guaranteed for four months and up to 50,000 euros. A new customer is anyone who has not had an overnight money account with ING in the past six months.
For existing customers, ING will then pay a variable 0.30 instead of the current 0.001 percent per year from December 6th, the maximum investment is one million euros. “We started early on to pass on the positive effects of the turnaround in interest rates to customers: we eliminated the custody fee and started paying interest on the savings bond. Now we are also bringing call money rates back for everyone,” says Nick Jue, CEO of ING in Germany. ING is also raising interest rates for savings certificates by 30 to 50 basis points, depending on the term. ING only put the product back in its range in August. The conditions in detail:
- 1.0% pa for 1 year
- 1.1% pa for 2 years
- 1.5% pa for 3 years
- 1.6% pa for 4 years
- 1.8% pa for 5 years
Biallo tip
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stable dividend of 2.5 percent pour out With a maximum investment of EUR 25,000 per person, a family of four can expect a dividend of up to EUR 2,500 per year – without any price risk.
The best overnight interest rates in October
With the new offer, ING has catapulted itself to second place in the Overnight Allowance Comparison from biallo.de. The Maltese takes first place FCM Bank, which offers 1.08 percent for both new and existing customers. Renault Bank follows in the other places directly as well Pbb directly each with 0.75 percent per year.
You can get even more interest if you put your savings in fixed deposit invested. Those who opt for a one-year term receive 1.75 percent Pbb directly and the Yapi Kredi Bank. The Swedish Klarna is just behind with 1.70 percent.
In uncertain times like these, however, many people do not want to decide on longer periods of time and avoid fixed deposits because they usually do not get their money before the end of the agreed term. What to do if a car repair is suddenly due or a hefty utility bill bill flutters into the house due to increased energy prices?
The new product “termination fee’, also known as ‘flexible fixed deposit’. The interest rate is significantly higher than with overnight money, but lower than with fixed-term deposits. In return, you can get some of the money in the short term without suffering any loss of interest.
The Italian FCA Bank offers 2.30 percent interest for its “Fixed Deposit Plus” with a term of 48 months and a minimum investment of 5,000 euros. Anyone can cancel part or all of their investment. Anyone who meets the deadline of 32 days receives the full amount of interest for the shortened term.
Under the same name sells the German Pbb directly her termination fee. Here you can choose between three terms. There is 1.00 percent interest for one year, 1.50 percent for two years and 1.60 percent for three years. If you have an urgent financial need, you can have 20 percent of the invested amount paid out. Minimum investment also here: 5,000 euros.