Similar Posts

Subscribe
Notify of
19 Answers
Oldest
Newest Most Voted
Inline Feedbacks
View all comments
Jespa666
1 year ago

Fixed money: You put a certain amount at a fixed interest rate and get your money back after the end of the contract term.

During the daily money you deposit the money, the interest varies depending on the market situation, for that you can always get to your money. However, interest rates are also slightly lower.

Here you can compare: http://www.modern-banking.de/

19Bernburg97
1 year ago
Reply to  jetskir

At first I would recommend a daily money account. You stay very flexible. The money is available virtually daily. And interest rates are currently quite decent at 3 to 4% depending on the provider.

19Bernburg97
1 year ago

In the case of daily money accounts, the generated interest on the capital day is calculated accurately. The month is set at 30 interest days. The total calendar year therefore counts 360 interest days (so-called German interest rate calculation or German interest rate method)

19Bernburg97
1 year ago

No, you don’t have to pay daily. Daily allowances are sight deposits which are available daily. You put a sum of X, for example, 5,000 euros, but the money is available daily and does not require prior notice. That’s why day money. On the other hand, the money is fixed for a certain period (e.g. 6 months). Early repayment of the facility is then not possible. I only make day money

19Bernburg97
1 year ago

Probably the total amount you want to make

Singuli
1 year ago

At the Stiftung Warentest you can check in the current issue Financial Test there are the best holiday offers and day money offers listed. The difference is that you get your money at any time at the time of the day money, and in case of fixed money you only get to the money after the agreed term expires.

You can save monthly in the case of daily allowances, not at fixed costs.

Singuli
1 year ago
Reply to  jetskir

If you don’t have to get to your money then fixed money is usually better because it brings higher interest rates, but you won’t get to the money during the runtime.

You can deposit and cancel your daily allowance as you like.

In the case of daily allowances, the interest rate may change during the duration of the term, and may not change for fixed allowances.

christl10
1 year ago

That’s Rechnen 5th grade. If you can’t calculate it yourself, you shouldn’t do anything.

Singuli
1 year ago

You have to leave it if you can’t count it. Then you can’t do anything

Singuli
1 year ago

You can’t make a monthly deposit for fixed money. You have to pay for something and that will last for half a year or a year or for how long. You won’t get any more ran during the runtime.

For fixed money, you also usually have to make at least €5,000.

TraderJoe455
1 year ago

At Traderepublic you get 4% unbound.

Of all 100% safe facilities, this is the best.

KaffeemitMilf
1 year ago

For monthly savings, only daily money makes sense. Fixed money is for one-off systems.