The analysis of the comparison portal biallo.de nearly 1300 banks and savings banks. It is the lucrative savings contracts without a fixed term, which is reached after 15 years, the maximum interest rate.

top tab in the case of terminations is Bayern, said the Portal. In the free state of 34 savings banks, premium savings had terminated contracts. It is of lower Saxony followed with 13, and North Rhine-Westphalia, with seven savings banks. Since the beginning of the wave of redundancies in the year 2015 have been sent according to the figures, a total of more than 90 Sparkassen terminations.

premiums, savings contracts are characterized by a comparatively low variable interest rate, to be compensated with after the maturity of tiered bonus interest rates. Many of these savings contracts have reached after 15 years, the highest reward level, and must be terminated.

2020 threatens new wave of redundancies is

And also 2020 a wave of redundancies is, again threatens to reports the "Bild-Zeitung". Christian Urban, banking expert at the consumer advice centre of North Rhine-Westphalia, told the blade: "We fear that by 2020, more savings banks will terminate." the hard money comparison, Here are the Top deals for one-year fixed Deposit

The penalty interest rate on hold. Currently, they are at 0.5 per cent. So it is for banks always more expensive if you put money at the European Central Bank (ECB) behind. And the more customers your money in the banks, warehouses, the higher the cost it incurs.

In may had ruled the German Federal court of justice (BGH) in Karlsruhe, Germany that long-term rewards to savers to accept the termination of their existing contracts by the savings banks, if they have exhausted the once agreed-to bonus season. In the case of customers of the kreissparkasse Stendal in Saxony had complained Anhalt, who wanted to lead three relevant contracts from the years 1996 and 2004. (BGH-judgment from the 14.5.2019 AZ XI ZR 345/18)

What do customers, if your savings Bank announces the premium savings contract:

The notice in writing contradict - best by registered mail.

Not too fast, an alternative offer to accept. Often, the conditions were identical to those of the premium savings contract are not comparable, warns Madlen Müller of the consumer advice centre of Saxony, in the "image". Depending on the product, costs, customers might even pay for it.

Check your entitlement to an interest payment of arrears. Consumer advocates Urban declared in the "image": "clients should ask your savings Bank to recalculate the interest. From our point of view, the high interest payments to the customers partially.“

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pli/dpa Date Of Update: 30 December 2019, 01:01