Margin Pooling is a special form of Notional Pooling that can be used for accounts in multiple currencies and in multiple countries. Under Margin Pooling, the customer is awarded an interest bonus that is based on
A key component for the calculation of the bonus is the simultaneous presence of debit and credit balances on the customer's different current accounts managed by our banking group. This method is very similar to Interest Compensation, but Margin Pooling also allows other criteria to be included in the calculation of the bonus, for example average balances or transaction volumes. As no balances are actually transferred under Margin Pooling, and as there is therefore no currency risk, this product can be used for accounts in multiple countries and in multiple currencies.
Margin Pooling is an ideal instrument for optimising interest earnings when Effective Pooling cannot be used due to the country-specific fiscal or corporate legal framework, or due to transfer restrictions. This product is also especially ideal for companies with decentralised treasury or cash management systems.