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You pay 13% to the balance of the account and this is calculated in the current account in the exact day.

Example:

Today you have 500 euros, which costs 18 cents for this one day if nothing else changes the whole month will cost you 5.42 euros.

Then comes a deposit of 50 euros, the target level is reduced to 450 euros again for a month 4.88 euros.

As private current accounts are usually billed quarterly, a further month will be added, i.e. the next 50 euros, target level 400 euros = 4.33 euros

For the quarter-year, you will pay €12.63 to target interest rates that are charged to the current account, i.e. the next target is 412,63.

But: any account movement, whether desired or have, changes the interest rate calculation.

Gruss