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 2.8-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 | Consorsbank Tagesgeld+ (3M) DE | 3.40% | 2.50% | -0.30% | Izgubi | First 3 months promo for new customers, April 2026 |
| Varčevalni računi | TF Bank Flexible DE | 3.00% | 2.21% | -0.59% | Izgubi | Variable rate, monthly interest, April 2026: 3.00% |
| Varčevalni računi | BBVA Germany (6M Promo) DE | 3.00% | 2.21% | -0.59% | Izgubi | 3.00% for first 6 months, then 0.50%, up to €500k, free account, April 2026 |
| Varčevalni računi | Deutsche Bank Depósito Confianza (12M) DE | 3.00% | 2.21% | -0.59% | Izgubi | 12-month term, €10k-€300k, bonuses for nómina + card |
| Varčevalni računi | Consorsbank Fixed 24M DE | 2.80% | 2.06% | -0.74% | Izgubi | 24-month term, €500-€100k, compound quarterly |
| Varčevalni računi | Comdirect Tagesgeld PLUS (6M) DE | 2.75% | 2.02% | -0.78% | Izgubi | First 6 months promo, then 0.75%, quarterly interest, April 2026 |
| Varčevalni računi | Ayvens Bank (DE) DE | 2.55% | 1.88% | -0.92% | Izgubi | French fleet mgmt. bank, usually highest DE rate, self-tax filing |
| Varčevalni računi | Volkswagen Bank (12M) DE | 2.55% | 1.88% | -0.92% | Izgubi | 12-month term deposit via Raisin |
| Varčevalni računi | Scalable Capital (PRIME+) DE | 2.50% | 1.84% | -0.96% | Izgubi | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Varčevalni računi | Bunq Easy Savings (Weekly) DE | 2.26% | 1.66% | -1.14% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% |
| Varčevalni računi | Trading 212 Flexible Savings DE | 2.20% | 1.62% | -1.18% | Izgubi | UK fintech, investor protection ~€20k, instant access |
| Varčevalni računi | Bigbank Flexible Savings DE | 2.05% | 1.51% | -1.29% | Izgubi | Estonian deposit guarantee, up to €100k, instant access |
| Varčevalni računi | Trade Republic Cash Account DE | 2.00% | 1.47% | -1.33% | Izgubi | Instant access, tracks ECB rate, up to €50k |
| Varčevalni računi | N26 Savings Account DE | 2.00% | 1.47% | -1.33% | Izgubi | Metal plan only (€16.90/mo), instant access |
| Varčevalni računi | N26 Metal Savings DE | 2.00% | 1.47% | -1.33% | Izgubi | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Varčevalni računi | Lightyear Cash Account DE | 1.91% | 1.41% | -1.39% | Izgubi | Estonian broker, monthly interest, no limit |
| Varčevalni računi | Klarna Savings Account DE | 1.87% | 1.38% | -1.42% | Izgubi | Swedish fintech, instant access, monthly interest |
| Varčevalni računi | Revolut Savings Vault EU | 1.85% | 1.36% | -1.44% | Izgubi | Premium/Metal plans, instant access, up to €100k |
| Varčevalni računi | C24 Smart Account DE | 1.80% | 1.33% | -1.47% | Izgubi | Instant access, German neobank, monthly interest |
| Varčevalni računi | Openbank Cuenta Nómina DE | 1.80% | 1.33% | -1.47% | Izgubi | Santander subsidiary, salary required, instant access |
| Varčevalni računi | Bunq EasyBank Savings DE | 1.56% | 1.15% | -1.65% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest |
| Varčevalni računi | ING Extra Account (3M) DE | 1.50% | 1.10% | -1.70% | Izgubi | First 3 months promo, then 1.25%, instant access |