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27.10.2018 07:00
(Act 27.10.2018 07:00)
AK Vienna warns against trapping expenses while sparing.
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Anyone who has savings accounts or online accounts that can be withdrawn daily must expect interest rates to be zero, it is a test. current of the AK.
"The interest on daily savings accounts is between 0.01 and 0.40%, for online savings accounts between 0.01% and 2.5%." The higher interest rates attract new customers as part of their actions, "said Christian Prantner, Consumer Protection at AK. There are also "spending traps that can consume performance". There may also be charges for closing a booklet. You can win between 3.20 (Bank Burgenland) and 7.00 Euro (Hypo Tirol). Of the 14 bank branches, six do not charge any fees if the booklet is abandoned.
"If you block your money on a capital savings account, you also have moderate interest rates," Prantner said. For 12-month capital savings accounts, interest rates range from 0.05% to 0.9% and 36 months from 0.20% to 1.2%.
New booklet signature: caution is recommended
When new accounts for savings accounts, there is a lot to note, the AK. For example, it should be careful with combined products combining two investment products (savings account, investment funds). One should not be blinded by a "Zinszuckerln" attractive in the short term (about 3% to 6 months on the savings account). You need to have an idea of the possible performance and the considerable costs of the funds.
If you have money left now and you have a loan at the same time, you should consider eradicating it. Finally, the lending rates are higher than the savings interest, recalls the AK.
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