a Minimum of twelve banks have introduced in the new year, negative interest rates, or existing negative interest rates further reduced – you are all a group of the Volks - and Raiffeisen banks. The negative interest rates apply here for days, in cash or in current accounts, or even in both, such as the comparison portal Verivox is telling.the nine institutions require, for the first time negative interest rates:
- Brandenburger Bank : -0.5 percent on day money, 100,000 Euro Allowance
- Heidenheimer Volksbank : -0.5 percent on day money, no answer to the free amount. Note: The negative interest rate does not apply to savings accounts, such as savings books.
- Raiffeisenbank Gilching : -0.5 percent to a daily allowance, € 50,000 Allowance
- Raiffeisenbank Oldenburg : -0.5 percent in the case of current accounts, € 100,000 Allowance. Note: you May also days money systems are affected. It is not clear from the available Unmounting, however.
- Volksbank eg in Warendorf : -0.5 percent in the case of current accounts, no indication of the amount. Note: you May also days money systems are affected. It is not clear from the available Unmounting, however.
- Volksbank Main-Tauber : -0.5 percent on day money, 500,000 euros Allowance
- Volksbank Mosbach : -0.5 percent to a daily allowance of 250,000 euros Allowance
- Volksbank Rottweil : -0,35 percent in the case of current accounts, € 100,000 Allowance. Note: you May also days money systems are affected. It is not clear from the available Unmounting, however.
- Volksbank Gescher: of 0.5 percent on the day money, no indication of the amount
the Volksbank Kaiserslautern pointed to from the 1. January until the middle of this week of 0.5 percent in the case of current accounts from (without specifying the day-to-day money or possible exemptions). According to the report of FOCUS Online, the Bank said on demand, this was due to a "technical error", the area where the notice Board was replaced. The Declaration in the wording:
"in fact was released due to a technical error for a short time on our website a notice of charges, were included in the negative interest rates for private customers. This document was not correct. We calculate at the moment definitely no negative interest rates for private customers and not have done in the past.“
With a FOCUS on Online the best checking accounts compare (display) you can now Find your suitable checking account compared
at the same time, the Bank stressed that such a step could not be excluded for the future. "These conditions in the future make, further depends, of course, as with all banks from the further development of the market situation," said the Bank. Customer had this been on demand, as well explained.Two banks to reduce criminal interest rates still further
Two more banks have pushed their existing negative interest rate even deeper into negative territory. The Volksbank Stendal requires the money now to be -0.5 percent instead of -0.4 percent. The tax-free amount remains unchanged at € 100,000. The VR-Bank ALB now requires also -0.5 percent (exemption amount, one Million Euro) at money market accounts. With FOCUS Online, Tagesgeld compare (display) In the comparison of day money with the best interest rates
ensure That almost all the banks propose a rate of -0.5 percent, this is no coincidence: It corresponds exactly to the Deposit interest rate set by the European required by the Central Bank of banks, if they Park their money with the ECB.banks can be avoided with a Trick, to appear on the list
if you want to avoid penalty interest, is forced to a quasi-exchange of the Bank, provided that the non-negative apply interest rates only for new customers or in the framework of individual agreements, is excluded.
But be careful: The experts of Verivox explicitly point out that some banks do not reach, perhaps by a Trick, that they appear in this list. If you do not offer more day-to-day money for Online statements, you do not need to inform about possible negative interest rates in the price list. With other words: Potential customers before they receive a specific request, what would you bloom.
also read: return on investment instead of Parking: get Here savers the best interest ratesdozens of other banks are already calling for negative interest rates
Fixed: penal interest rates now threaten with far more banks than the listed above. Verivox, 35 banks now demand negative interest rates to private customers and publish the appropriate information in your price list or on the website.
seven banks, in which the actually free money market account that costs fees are Added. This interest arise, in fact, Negative, even if they are not identified as such. PDF Life Changer
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Furthermore, there are 20 banks, according to Reports, negative interest rates request, this is not the posting but I have to say Verivox that either in Price or no price poster publishing.
Finally, five banks had yet to be released, in the meantime, negative interest rates in your Price display. These instructions are out of date however, to. The negative interest rates are also on the table is rather unlikely. Because the European Central Bank remains steadfastly committed to its interest-rate policy of the banks to justify the collection of negative interest rates.
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