{"id":857,"date":"2025-04-27T14:52:10","date_gmt":"2025-04-27T14:52:10","guid":{"rendered":"https:\/\/allgemeinegeldwechsel.de\/savings-accounts\/"},"modified":"2026-03-06T15:18:45","modified_gmt":"2026-03-06T15:18:45","slug":"savings-accounts","status":"publish","type":"page","link":"https:\/\/augustavw.de\/en\/savings-accounts\/","title":{"rendered":"Savings Accounts"},"content":{"rendered":"\t\t
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What is overnight money?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Call money is a flexible form of investment where you can park your capital safely and still access it at any time. It is ideally suited as a short-term liquidity reserve with an attractive interest rate.<\/p>

In contrast to fixed-term deposits, the credit balance remains available on a daily basis. The account is not used for payment transactions, but for the structured management of free funds. Deposits and withdrawals are made via a deposited reference account.<\/p>

As they are not securities, there are no price fluctuations. As a rule, there are no notice periods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How are interest rates on call money developing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The interest rate is influenced by various factors, in particular the interest rate environment of the European Central Bank and the respective bank.<\/p>

Current call money interest rates vary depending on market conditions and provider. Different conditions may apply depending on the institution and country.<\/p>

You can get an overview of currently available offers via our comparison options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Who is a call money account suitable for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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A call money account is particularly suitable for investors who want access to their capital at any time and at the same time value security.<\/p>

Typical areas of application:<\/p>

– Short-term parking solution for free funds
– Reserves for unforeseen expenses
– Supplement to longer-term investments such as fixed-term deposits<\/p>

Banks outside Germany can sometimes offer competitive interest rates, especially in a European comparison.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Payout from call money account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can decide at any time whether partial amounts or the entire balance should be paid out.<\/p>

The transfer is usually made to your reference account within one bank working day. Capital and accrued interest are automatically taken into account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Advantages of a call money account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The biggest advantage is the high degree of flexibility. Investors can make deposits and withdrawals or change providers at any time.<\/p>

Further features:<\/p>

– Daily availability
– Variable interest rate
– No fixed terms
– Statutory deposit protection up to EUR 100,000 per customer and bank within the EU<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How Safe is an Overnight Deposit?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Call money is a low-risk form of investment. Deposits are protected by statutory guarantee schemes.<\/p>

Within the European Union, the statutory deposit guarantee applies up to 100,000 euros per customer and bank. Additional voluntary security systems may also exist.<\/p>

In the event of a bank insolvency, the responsible guarantee fund takes over the repayment within the legal limits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How the deposit guarantee works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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There are no price risks with call money as there are with securities. The deposit guarantee takes effect automatically and protects the credit balance up to the statutory maximum limit.<\/p>

This does not result in any additional obligations for investors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Additional voluntary security systems<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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In some countries, there are voluntary guarantee funds in addition to the statutory deposit guarantee.<\/p>

Depending on the respective country and institution, these can go beyond the statutory cover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Call money at a glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAugusta Verm\u00f6gensverwaltung GmbH offers structured advice on all aspects of flexible forms of investment.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • \n\t\t\t\t\t\t\t\t\t\t- Access to audited partner banks<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t- Structured comparison options<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t- Transparent processes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
  • \n\t\t\t\t\t\t\t\t\t\t- Individual advice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Difference between call money and fixed-term deposits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    The main difference lies in the availability and interest rate structure.<\/p>

    With call money, the capital can be withdrawn at any time and the interest rate is variable. With fixed-term deposits, the capital is invested for a fixed term at an agreed interest rate.<\/p>

    Call money is suitable for flexible liquidity reserves, while fixed-term deposits are more geared towards predictability and fixed income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    What is overnight money? Call money is a flexible form of investment where you can park your capital safely and still access it at any time. It is ideally suited as a short-term liquidity reserve with an attractive interest rate. In contrast to fixed-term deposits, the credit balance remains available on a daily basis. The […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-857","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/comments?post=857"}],"version-history":[{"count":6,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/857\/revisions"}],"predecessor-version":[{"id":1585,"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/pages\/857\/revisions\/1585"}],"wp:attachment":[{"href":"https:\/\/augustavw.de\/en\/wp-json\/wp\/v2\/media?parent=857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}