Najboljši Varčevalni računi v Avstrija
Naložba v Varčevalni računi je ključna strategija za prebivalce v Avstrija, ki želijo svoje prihranke zaščititi pred inflacijo.
Ker je inflacija v Avstrija 3.1-odstotna, davčna stopnja pa 27.5-odstotna, je iskanje izdelkov s pozitivnim realnim donosom nujno.
Zgodovinski razvoj
Primerjajte povprečni donos Varčevalni računi z inflacijo
Primerjajte donose Varčevalni računi v Avstrija
| Vrsta | Ustanova | Bruto donos | Po obdavčitvi | Realni donos | Stanje | Podrobnosti |
|---|---|---|---|---|---|---|
| Varčevalni računi | Scalable Capital (PRIME+) AT | 2.50% | 1.81% | -1.29% | Izgubi | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Varčevalni računi | DADAT Flexibel (3M Promo) AT | 2.40% | 1.74% | -1.36% | Izgubi | 2.40% for 3 months promo, then 1.30%, Austrian deposit guarantee, April 2026 |
| Varčevalni računi | Erste Bank Fixzins 12M AT | 2.35% | 1.70% | -1.40% | Izgubi | 12-month fixed, €5k-€250k, quarterly interest |
| Varčevalni računi | Bunq Easy Savings (Weekly) AT | 2.26% | 1.64% | -1.46% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% |
| Varčevalni računi | Trading 212 Flexible Savings AT | 2.20% | 1.60% | -1.50% | Izgubi | UK fintech, investor protection ~€20k, instant access |
| Varčevalni računi | Bigbank Flexible Savings AT | 2.05% | 1.49% | -1.61% | Izgubi | Estonian deposit guarantee, up to €100k, instant access |
| Varčevalni računi | Trade Republic Cash Account AT | 2.00% | 1.45% | -1.65% | Izgubi | Instant access, tracks ECB rate, up to €50k |
| Varčevalni računi | N26 Savings Account AT | 2.00% | 1.45% | -1.65% | Izgubi | Metal plan only (€16.90/mo), instant access |
| Varčevalni računi | N26 Metal Savings AT | 2.00% | 1.45% | -1.65% | Izgubi | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Varčevalni računi | Lightyear Cash Account AT | 1.91% | 1.38% | -1.72% | Izgubi | Estonian broker, monthly interest, no limit |
| Varčevalni računi | Bank99 Sparkonto AT | 1.90% | 1.38% | -1.72% | Izgubi | Instant access, Austrian Post subsidiary, no fees |
| Varčevalni računi | Klarna Savings Account AT | 1.87% | 1.36% | -1.74% | Izgubi | Swedish fintech, instant access, monthly interest |
| Varčevalni računi | Revolut Savings Vault EU | 1.85% | 1.34% | -1.76% | Izgubi | Premium/Metal plans, instant access, up to €100k |
| Varčevalni računi | Easybank Sparkonto AT | 1.80% | 1.30% | -1.80% | Izgubi | Instant access, Austrian neobank, monthly interest |
| Varčevalni računi | Bawag PSK Flexkonto AT | 1.75% | 1.27% | -1.83% | Izgubi | Instant access, major Austrian bank, deposit guarantee |
| Varčevalni računi | Bunq EasyBank Savings AT | 1.56% | 1.13% | -1.97% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest |