Najboljši Varčevalni računi v Nemčija
Naložba v Varčevalni računi je ključna strategija za prebivalce v Nemčija, ki želijo svoje prihranke zaščititi pred inflacijo.
Ker je inflacija v Nemčija 2.1-odstotna, davčna stopnja pa 26.4-odstotna, je iskanje izdelkov s pozitivnim realnim donosom nujno.
Zgodovinski razvoj
Primerjajte povprečni donos Varčevalni računi z inflacijo
Primerjajte donose Varčevalni računi v Nemčija
| Vrsta | Ustanova | Bruto donos | Po obdavčitvi | Realni donos | Stanje | Podrobnosti |
|---|---|---|---|---|---|---|
| Varčevalni računi | 3.00% | 2.21% | +0.11% | Premaga | 12-month term, €10k-€300k, bonuses for nómina + card | |
| Varčevalni računi | 2.80% | 2.06% | -0.04% | Izgubi | First 4 months promo, then 1.45%, monthly interest | |
| Varčevalni računi | 2.80% | 2.06% | -0.04% | Izgubi | 24-month term, €500-€100k, compound quarterly | |
| Varčevalni računi | 2.55% | 1.88% | -0.22% | Izgubi | French fleet mgmt. bank, usually highest DE rate, self-tax filing | |
| Varčevalni računi | 2.55% | 1.88% | -0.22% | Izgubi | 12-month term deposit via Raisin | |
| Varčevalni računi | 2.50% | 1.84% | -0.26% | Izgubi | First 6 months promo, then 0.75%, quarterly interest | |
| Varčevalni računi | 2.26% | 1.66% | -0.44% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% | |
| Varčevalni računi | 2.20% | 1.62% | -0.48% | Izgubi | UK fintech, investor protection ~€20k, instant access | |
| Varčevalni računi | 2.05% | 1.51% | -0.59% | Izgubi | Estonian deposit guarantee, up to €100k, instant access | |
| Varčevalni računi | 2.00% | 1.47% | -0.63% | Izgubi | Instant access, tracks ECB rate, up to €50k | |
| Varčevalni računi | 2.00% | 1.47% | -0.63% | Izgubi | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit | |
| Varčevalni računi | 2.00% | 1.47% | -0.63% | Izgubi | Metal plan only (€16.90/mo), instant access | |
| Varčevalni računi | 2.00% | 1.47% | -0.63% | Izgubi | Up to €500k, free account, variable quarterly rate | |
| Varčevalni računi | 2.00% | 1.47% | -0.63% | Izgubi | Requires Metal plan (€16.90/mo), instant access, ECB-linked | |
| Varčevalni računi | 1.91% | 1.41% | -0.69% | Izgubi | Estonian broker, monthly interest, no limit | |
| Varčevalni računi | 1.87% | 1.38% | -0.72% | Izgubi | Swedish fintech, instant access, monthly interest | |
| Varčevalni računi | 1.85% | 1.36% | -0.74% | Izgubi | Premium/Metal plans, instant access, up to €100k | |
| Varčevalni računi | 1.80% | 1.33% | -0.77% | Izgubi | Instant access, German neobank, monthly interest | |
| Varčevalni računi | 1.80% | 1.33% | -0.77% | Izgubi | Santander subsidiary, salary required, instant access | |
| Varčevalni računi | 1.56% | 1.15% | -0.95% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest | |
| Varčevalni računi | 1.50% | 1.10% | -1.00% | Izgubi | First 3 months promo, then 1.25%, instant access |