Call money & time deposit accounts for entrepreneurs: mini interest preprogrammed

Auch entrepreneur and entrepreneurs want her Money Invest well – e.g. call money accounts. However, as it turns out, this is not as easy as one might think, because you often don't get the really good conditions.

Mini rates for entrepreneurs

What turns out to be really difficult is finding good interest-bearing money market accounts for entrepreneurs. Apparently, the entire bankIndustry the attitude: Entrepreneurs only need mini interest rates, they don't have any anyway Wealth.

Of course, house banks carry accounts of Company, however, pay attention to the conditions. I observe with myself and my clients a certain tendency towards the "They depend on a bank like me, others don't make it cheaper and better" attitude when we communicate with house banks.

Attention minicenses

The books on the subject (advertising)

Call money accounts are a convincing investment: You don't need any special knowledge of the financial market, they are flexible and bring you results clear more than the normal checking account. Many banks advertise the high interest rates for money market accounts. But not every Customer she gets.

Recently Stiftung Warentest has taken a close look at overnight money accounts and similar forms of savings with high interest rates. And with good reason: many institutes advertise new customers with enticing-sounding interest income on the daily allowance. The horse's foot is not emphasized as clearly.

Day money accounts - the reality

Because it would be nice if you could use daily money and fixed-term deposits of direct banks - but attention, the reality looks like this:

Diba and Santander do not take any companies as customers. After all, the DKB is open to some professional groups - I'm no longer one of them, but my husband as a freelancer is. CortalConsors has a nice call money lure offer, but only for private individuals. After all, companies get 1,5% and can manage their portfolio there on favorable terms.

Stiftung Warentest reveals dubious promises

Discounts for your success (advertising)!

Stiftung Warentest cites comdirect bank as another negative example: it pays new customers who sign up for their “daily money plus” decide, 4,75 percent interest. However: The interest rate lock is only available for 6 months and for amounts up to 30 euros. Existing customers at comdirect bank, on the other hand, receive significantly lower interest rates – currently 000 percent.

I was particularly interested in the fact that the Stiftung Warentest dealt explicitly with Postbank's complicated interest rate conditions, which always annoyed me as a previous customer. Postbank advertises with “up to 5,25 percent interest”. What you need to know: To get that, you have to invest 50.000 euros or more.

Offers for existing customers

The high interest rate you also get only for the money that is a full quarter in the account. The conditions of the quarterly savings with 5,25 percent interest lists the Stiftung Warentest here again separately. And we are pleased that the offer is also valid for old customers, who bring fresh money to the bank.

But that is also not so easy: If you have another savings account (the current account is not counted!) At the Postbank and have recently withdrawn money, the amount is offset against the new money. At least that was the case with last year's offer. One of the reasons why I finally changed the bank.

Main thing running time

But what about the competition? Here it depends above all on the term: Cortal Consors guarantees 6 percent interest after all for a whole year. Comdirect is less generous: the 6 percent is only available for half a year. But it gets worse:

SEB Bank only pays the 4 percent for its high-interest account until the end of September. According to the current status, anyone who leaves their money in the account afterwards will only receive between 2 and 3,25 percent, depending on the amount [...] The tempting 4,5 percent offer from the netbank will be followed by interest sobering after 100 days, because existing customers are currently taking part fed off a maximum of 2,75 percent. And there are still some unsightly side effects: Cortal Consors and comdirect link their 6 percent with the mandatory to open a depot and with comdirect you can only invest 5.000 euros at the top interest rate (at Cortal Consors at least 25.000 euros). The Lithuanian Parex bank offers 4,3 percent with a minimum investment of 500 euros, you have to open a checking account as a clearing account at the same time. And: The transfer from this account to a non-bank account costs at least 2 euros. And with all banks tested, only new customers receive the high interest rates, and notice periods (usually three months) must be observed. And some details of the offer will be changed at short notice.

High-interest offers without horse foot

The Stiftung Warentest shows, however, that there are also high-interest offers without a horse's foot, sometimes even without a minimum investment. For example, the Akbank, where you can get 4,75 percent from the first Euro, the Bausparkasse Mainz with 4,10 percent or the Amsterdam Trade Bank with 4,40 percent interest (all as of March 2008). The corresponding information document is updated once a month and can be called up here for a fee.

The list does not claim to be complete, if a bank wants me to provide it with top conditions comparable offer, then I'm looking forward to it!

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