Tasso di interesse del conto di risparmio, quando il mio conto di risparmio ha raggiunto 50k CZK l’interesse è sceso da 2.Noning a 1.something e dopo 100k è sceso a 1 e ora è 0,75, sono seri? Semplicemente non vogliono che tu salvi con loro sembra
https://i.redd.it/0szswme2tgff1.jpeg
di Cautious_Composer_27
8 commenti
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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.