- Save Internet;
- Monthly Savings;
- Open a savings deposit.
If you choose to save the internet savings account, your money is always freely available and you can deposit and withdraw whenever you want. Red can not stand, but otherwise there are no conditions that limit your savings behavior. No compulsory deposits or withdrawals, but a variable rate. The interest rate is 1.25% and is in the top of the savings market. The interest you receive in January.
Monthly Savings has the obligation of every month between ?? And 100 ?? 1000 to save and gives a higher interest rate of 1.35%. If you have a few months to save less, which is possible in consultation with the bank and high one-time deposit is also allowed. The interest is credited in January.
Deposits can save only for a period of 10 years at 1.85% fixed savings. Characteristic of a savings in general is that you can not get at your money during the term. If you choose to save for deposit, but you must be sure that you do not need short term money. At Zwitserleven it is possible to record the savings earlier, but that costs money. The bank charges 1.25% per year and it is not filled up to a maximum of 4.5%. If you takes your deposit terminates within one year, it can also net interest because the penalty is greater than the savings you accrue, but after about two years, this balance is to prematurely cancel positive. Leave your money for ten years, you will receive every year 1.8% savings rate.
The choice is whether what is for you. The interest in the big banks is at least in most cases much lower.