Bang for the weekend. A bank from France replaces the previous leader in the call money ranking and offers 1.25 percent. They are now followed by three German banks with interest rates between 1.0 and 1.11 percent.
At the weekend, dei Deutsche Bank11 has to give up its pole position in the overnight money ranking: My Money Bank from France has moved to the top with 1.25 percent. The French also score with a low minimum deposit (from 1 euro) and a 14-day interest credit on the 1st and 15th of each month, which increases the compound interest effect a bit; if only cosmetically. The EU deposit insurance applies up to 100,000 euros, for which the state of France is liable.
Bank11 now ranks behind it with 1.11 percent, guaranteed for four months and with German deposit insurance. This is followed by 1822 direct, which belongs to the savings bank group, with 1.0 percent and a whopping six months interest guarantee, together with ING (4 months interest guarantee, German deposit insurance) and Qliro from Sweden.
Among the German banks, Bank11 continues to offer savers the highest interest rate on call money at 1.11 percent. The offer includes a four-month interest rate guarantee, but only applies to new customers. Anyone who has not yet invested money with Bank11 is considered such. For existing customers, on the other hand, the previous offers of 0.3 or 0.5 percent interest per annum continue to apply, depending on the date on which the account was opened. These conditions only apply up to a credit of 100,000 euros. In addition, there is only 0.05 percent for new customers. If the deposit exceeds 1,000,000 euros, there is only 0.01 percent interest.
The ING offers smooth 1.0 percent interest, the German deposit insurance and a four-month interest rate guarantee also apply here. The 1822 direct even grants a six-month interest rate guarantee. Qliro from Sweden offers 1.0 percent without guarantees.
Take out a call money account with 1822 here. Open a call money account with ING here
At Qliro, the general EU deposit insurance applies up to 100,000 euros. In the case of the two German banks, the German deposit protection funds of the Association of German Banks (BdB, in the case of ING) and the savings banks (in the case of 1822 directly) also attack, so that customer deposits there are secured with even higher sums.
Are these call money rates still too low for you? Then take a look at our fixed deposit comparison. Interest rates of up to 2.5 percent for a term of only one year lure there. With two years, even 2.90 percent per year is possible. The best time deposit offer in German banks comes from pbb direct and Bank11, each with 1.75 percent for one year. The swk bank offers 2.38 percent per annum for a two-year term with German deposit insurance.