Instant access savings: flexible at all times
Staying flexible at all times with instant access savings
Instant access savings are an attractive way for customers to invest capital at short notice and flexibly, on favourable terms. Instant access savings are a flexible investment, because the capital is not tied to a fixed term. It is available to customers daily and without restriction. Unlike other investments, there are no notice periods. You can withdraw your deposit in part or in full at any time. Taking money out of your instant access savings also has no negative effect on the interest. Banks such as DKB use a special method for calculating interest, counting the exact number of days on which interest accrues. Instant access savings are an appealing way to invest money at short notice without losing flexibility to rigid conditions. Over the long term too, instant access savings offer a good investment opportunity with an attractive rate.
Achieving a high return with instant access savings
Despite the high flexibility, considerable returns are possible with instant access savings. The rates on this form of investment are comparatively high compared with other options. On a passbook account, for example, customers often earn interest of only 0.5 to 1 per cent. Savings certificates do offer more return, at two to three per cent. Unlike instant access savings, however, they have a term of up to five years, during which no withdrawals are possible. Attractive rates are generally offered only by direct banks. Branch banks cannot match such terms. It is generally worth looking at comparison sites on the internet where instant access providers can be compared with one another. There, not only possible interest income is set side by side, but also factors such as fees, special terms and security. That makes it possible to find the best provider for instant access savings. Savers should be particularly critical here of "small print", loss-leader offers and new-customer promotions, which are especially widespread in Germany.
Instant access savings, free of charge
If you invest your money in instant access savings it normally costs you nothing. Reputable banks charge no fees, either for opening the account or for running it. An instant access savings account does not replace a current account. You need a current account in order to move money out of the instant access savings account. You cannot make transfers directly from the instant access savings account. The current account is the reference account. You pay money out of the instant access savings account into your current account. The fact that payments out only go to a current account nominated in advance makes instant access savings particularly secure. Money can be paid in by transfer from any account directly into the instant access savings account. Since all transactions involving the instant access savings account can be carried out very simply and easily by online banking, handling this form of investment could hardly be easier, and it is ideally suited to both short-term and long-term investment.
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- Instant access savings offer a high return with particular flexibility
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- Managing your finances easily thanks to online banking
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