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Saving up to reach a big goal
Are you dreaming of a new car, a trip to a distant country or a state-of-the-art multimedia centre? With the new "ErfolgsSparbuch zum Ansparen" savings account you can save up to make your wish come true.
You decide how you will reach your goal. Because there are no set monthly amounts. The minimum deposit is EUR 30 per quarter and you can make deposits of up to EUR 12,000 per quarter to your "ErfolgsSparbuch zum Ansparen" - whenever you want.
Short term
The short term of three years means that you can reach your goal quickly. If you need your money before the term ends, you can of course access your savings deposit earlier; in the case of early withdrawal of the deposit, the interest rate will be determined on the basis of the relevant terms and conditions.
Interest rates are regularly adjusted
The interest rate on deposits in your "ErfolgsSparbuch zum Ansparen" savings account is regularly adjusted to prevailing interest rate levels. The automatic adjustment of your interest rate to the European interbank rate 6-month EURIBOR2) with a discount takes place on 1 January and 1 July of each year. With your "ErfolgsSparbuch zum Ansparen" you benefit from a guaranteed minimum interest rate of 0.125 %1) p.a.
Reach your goal quickly and reliably
A standing savings order will let you reach your goal more quickly. If you select this option, a fixed amount will be transferred automatically from your current account to your "ErfolgsSparbuch zum Ansparen" on a monthly or quarterly basis.
If you want to reach your goal even faster, you can set up a dynamic standing order to regularly increase your periodic savings transfer by a fixed amount or a specific percentage. This way, your savings will grow continually, and you will benefit from compound interest.
1) Interest rate p.a. before withholding tax.
2) Adjustment to the 6-month EURIBOR, average for the middle month of the preceding quarter (November for the adjustment on 1 January, May for the adjustment on 1 July), discount: 0.375, rounding to the nearest 0.125.
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