Sparkonto -Zinssatz, als mein Sparkonto 50k CZK erreichte, fiel das Zinsen von 2.Stweit auf 1.Somding und nach 100.000 auf 1 und jetzt sind es 0,75, sind sie ernst? Sie wollen einfach nicht, dass du mit ihnen spart, es scheint
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Von Cautious_Composer_27
13 Kommentare
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It’s about the same all over the market.
They are trying to force you to use other means of investments.
Czech banks irl
And you haven’t seen their interest rates in Austria! I get amazing 0,01 % p.a. AND I have to pay 5 € a month for that shit😂
But yeah, Česká spořitelna isn’t the best bank on the Czech market…
There are different types of accounts and options to invest with them. This one is basically just for your monthly expenses and maybe keeping up some reserve. It’s not that different from other banks.
You are giving them your capital for practically free. The interest rate isn’t a joke, it’s the price you pay for the convenience of liquidity and the illusion of safety, so yeah…it is what it is, man…
I had a brief stint in a very, very large Austrian banking group. i wasn’t on the retail side of course… I was structuring financial products for the private wealth division. You know what we called the entire retail savings portfolio? The „cash cow.“ It was a massive, incredibly cheap source of capital. We would take the billions from accounts just like yours, bundle it all up, and use it to fund the real profit centers. The spread between the 0.75% they give you and the 8-10% they make on that capital is… well, you can do the math…
… If you want your money to actually work, you need to get it out of the retail ecosystem and into real, performing assets.
it was 1.25% at the begining of the year, then dropped to 1% and recently to 0.75%…it does not matter how much money you have stored on that account, they decreased it globally for everyone. I had account in that bank as well but after that I moved to Air Bank (and closed the account in Ceska Sporitelna) that offers a saving account with 2.5% rate for up to 500k CZK and you only have to pay by card 5 times a month to get that 2.5% next month, and for up to 1M CZK if you get at least 25k CZK on your account every month…I also got email from AirBank that they increase the rate to 2.7% from September
it depends on type of account. there still possible to have 3% in Ceska sporitelna.
The bigger percents are up to 200K, the rest is 0,75%. Also if you use monthly investment (I think 1.500 CZK), they’ll give you extra 1%.
Trading 212 currently has the best „savings account“ for CZK at 3.7%.
Insured up to 20k EUR.
Moved my savings to stocks with dividends. Got much more money now. These saving accounts are joke.
As other say – trading 212, csob or revolut, depending on where you are from and where is your financial residency – they all give above 3.5%
Raiffeisen has 4% p.a. as of rn.