banks and rising interest rates for fixed and per diem to Touting 
Interest rates for day and time deposits are in motion - but in both directions: Some banks, including Bank of Scotland, ING-Diba or the Targobank, have raised their rates or offer new services in order to intensify the hunt for new customers. But there are also examples that have reduced their incentives to clients.
for the interest on call money and hard money is the prime rate of the European Central Bank (ECB) is the most important indicator. Basically, the following rule: interest rates rise, followed by the banks and raise their interest rates on the day and time deposits. The prime rate is constant since almost a year low. Only last week, in the interest round the ECB decided to leave the base rate unchanged at 1.0%. With rising interest rates, savers can not therefore be expected in the foreseeable future. And yet the first banks to go back with better or new offers to customers fishing.
go when overnight interest rates up Who wants to invest his money at any time, and therefore looks around at the overnight offerings, has reason to rejoice. Comdirect raises its overnight rate for all amounts to 5,000 € from 1.75% to 2.10%. This results in an increase of 0.35 percentage points proud. Another 2.1% of the flexible saver, for example, gets at the Bank of Scotland and Cosmos. After all, 2.0% currently offers the ING-Diba. The advantage of the daily allowance is its flexibility. For the investor takes into account that its interest rate can change daily, while it is secured in fixed deposit for the investment period.
experts recommend for short-term deposit For time deposits, which will be parked for more than a year, high interest rates are also few and far between. Up it went at the Bank of Scotland: they recently raised the interest rate for all maturities. For two years, there are now 2.10 percent, for three years, there are now 3.0 percent, and who wants to tie their money risk-free for four years, and even receives 3.50 percent. The situation is different in Wüstenrot. Here, interest rates were lowered. Time deposits with a maturity of 48 months and a sum of 5,000 € will now be paid at once instead of 2.33% to 2.11%. For a sum of 25,000 € are for the same period, 2.33% (previously 2.55%) that were previously offered from 5000 €. Experts advise because of the current development of the depositors, to compare offers and to focus on periods of between six and twelve months.
But whether the day or time deposit, a comparison is worthwhile in any case. To preserve the many changes the desired page and get the top deals in seconds.
Reference price and Targobank create short-term incentives that lower interest rates netbank ING reiterates DiBa savers an incentive to want to park their money in the short term and gives the 3-month fixed deposit at 1.5% a comeback in the product portfolio. In addition, the ING-Diba has raised its rates for time deposits with a maturity of 6 months, a flat rate of 2.0%. So far, the interest here were graded according to investment amount: from 10,000 €, it was 1.5%, from 25,000 €, it was 1.6% for amounts from 50,000 €, there has been a return of 1.7%. For those who want to invest their money for one-year, has at ING-Diba done nothing. This is currently the best offer is at the former Citibank, now Targobank: Here the new customer gets at the "welcome hard money" 3.0% with an investment period of 6 months from the first € up to a maximum investment limit of 24,999 €.
Unlike Targobank and ING-Diba netbank their fixed deposit rates have been adjusted downwards. Here the customer can invest his money already for the minimum term of 30 days, do not get paid as before but 1.5% but only 1.4%. The interest for 3 months reduced by 0.1% to 1.5% at 6 months, even by 0.15% to 1.6%. . Those who have money for a year to the NetBank binds is only paid at 1.75% instead of 2.0% previously.
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Source: openPR