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Wer regelmäßig investiert und Angebote vergleicht, kann seine Rendite langfristig verbessern.",[],{"type":1034,"text":1742,"spans":1743,"direction":1037},"Der FMH-Robo-Advisor-Vergleich bietet einen transparenten Überblick über die besten Anbieter 2026.",[1744],{"start":1158,"end":1745,"type":1080,"data":1746},30,{"link_type":49,"url":1747,"target":1748},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Frobo-advisor","_self",{"type":1034,"text":1176,"spans":1750,"direction":1037},[],"text_block$d4573078-1b2d-4796-97a7-b88733c25230","Robo-Advisor 2026: Die besten Sparpläne im Test | FMH.de","Die besten Robo-Advisor 2026: FMH & WirtschaftsWoche zeigen Top-Sparpläne, Renditen & Kosten im Vergleich. Jetzt digital Vermögen aufbauen.",{},{"id":1756,"uid":1526,"url":1757,"type":319,"href":1758,"tags":1759,"first_publication_date":1761,"last_publication_date":1762,"slugs":1763,"linked_documents":1765,"lang":13,"alternate_languages":1766,"data":1767},"aMLx6hEAACAAionK","\u002Fartikel\u002Fgaranti-bank-solide-zinsen-und-smarter-rundum-service","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx6hEAACAAionK%22%29+%5D%5D",[1760],"spotlight","2025-11-04T16:30:09+0000","2025-11-20T09:13:56+0000",[1764],"herr-isik-warum-sollten-kunden-zur-garantibank-international-wechseln-was-unterscheidet-sie-von-ihren-mitbewerbern",[],[],{"publication_date":1768,"last_edit_date":1768,"set_last_edit_date_today":5,"title":1769,"subtitle":1770,"breadcrumb_title":5,"topic":1771,"teaser":1774,"author":1778,"cover":1786,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":1791,"slices":1792,"meta_title":1769,"meta_description":1176,"meta_image":1886,"meta_indexed":1195},"2023-09-15","Solide Zinsen und smarter Rundum-Service","Die GarantiBank International überzeugt mit erstklassiger Kundenberatung und interessanten Anlageprodukten",{"id":1025,"type":1026,"tags":1772,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":1773,"isBroken":45},[],"0b928b40-e61e-441d-8629-8362757fd07f",[1775],{"type":1034,"text":1776,"spans":1777,"direction":1037},"[Advertorial] FMH im Interview mit Nevzat Isik, Executive Director GarantiBank International, Niederlassung Düsseldorf.",[],{"id":1779,"type":1040,"tags":1780,"lang":13,"slug":1781,"first_publication_date":1782,"last_publication_date":1783,"uid":1784,"link_type":43,"key":1785,"isBroken":45},"aIc9vxEAACEAFoMr",[],"ania-scholz-orfanidis","2025-07-28T09:09:13+0000","2025-10-27T16:08:35+0000","ania-scholz","058b173a-21ec-4a25-bd47-558550c46257",{"dimensions":1787,"alt":1769,"copyright":1210,"url":1788,"id":1789,"edit":1790},{"width":1558,"height":1518},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmzWGNHVfTPDki_5abbd5a3b0b19c9ecee70ae99615a8c09929cd80-experten-interview.jpeg?auto=format,compress","aMLmzWGNHVfTPDki",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[1793],{"variation":1065,"version":1066,"items":1794,"primary":1795,"id":1885,"slice_type":1186,"slice_label":5},[],{"text":1796,"chart_alt":5},[1797,1800,1803,1806,1809,1812,1815,1818,1821,1839,1842,1845,1848,1851,1854,1857,1860,1862,1865,1868,1871,1874,1877],{"type":1644,"text":1798,"spans":1799,"direction":1037},"Herr Isik, warum sollten Kunden zur GarantiBank International wechseln? Was unterscheidet Sie von Ihren Mitbewerbern?",[],{"type":1034,"text":1801,"spans":1802,"direction":1037},"Wir sind der passende Partner für all diejenigen Kunden, die sich nicht ausschließlich nach den ultimativen Zinsen ausrichten. Unsere Zinssätze rangieren im Mittelfeld und variieren je nach Produkt aktuell zwischen 1,25 und 3,40 Prozent. Wir punkten ganz klar mit unserer exzellenten Servicekompetenz und sind stolz darauf, dass unsere 50.000 Kunden ihre Zufriedenheit mit 9 von 10 Punkten bewerten. Im Detail bedeutet dies, dass Sie Ihr Konto per Online-Banking oder via App verwalten können. Ergänzend ist auch die klassische Kontoführung per Mail, Telefon, Brief, Fax oder in einem persönlichen Gespräch mit einem Mitarbeitenden in unserer Niederlassung in Düsseldorf möglich. Darüber hinaus steht unser Kundenservice mit unserem kompetenten deutschsprachigen Team für alle Rückfragen zur Verfügung.",[],{"type":1644,"text":1804,"spans":1805,"direction":1037},"Sind die Einlagen abgesichert?",[],{"type":1034,"text":1807,"spans":1808,"direction":1037},"Die Zentrale der GarantiBank International sitzt in Amsterdam und ist durch die gesetzliche Einlagensicherung der Niederlande abgesichert. Was bedeutet das für unsere Kunden in Deutschland? Die Ersparnisse von Kunden mit Wohnsitz in Deutschland, die ein Konto bei einer deutschen Filiale eines niederländischen Kreditinstituts haben, sind nach europäischem Standard bis zu einer Summe von 100.000 Euro pro Person zu 100 % geschützt.",[],{"type":1034,"text":1810,"spans":1811,"direction":1037},"Darüber hinaus agiert die GarantiBank International mittlerweile seit über 24 Jahren erfolgreich auf dem deutschen und seit über 33 Jahren auf dem niederländischen Finanzmarkt. In dieser langen und in Teilen auch schwierigen Zeit haben wir nie Verluste verzeichnet. Unser Eigenkapital beträgt derzeit über 700 Mio Euro. Diese kontinuierliche Stabilität und die Tatsache, dass wir im Gegensatz zu vielen Mitbewerbern noch nie Negativzinsen verlangt haben, wird von unseren Kunden sehr geschätzt.",[],{"type":1644,"text":1813,"spans":1814,"direction":1037},"Wie schafft Ihre Bank den Spagat zwischen der Bequemlichkeit digitaler Dienstleistungen und der persönlichen Betreuung und Beratung, die viele Kunden zu schätzen wissen?",[],{"type":1034,"text":1816,"spans":1817,"direction":1037},"Da die Kundenzufriedenheit und damit unser Service bei uns im Mittelpunkt steht, investieren wir fortlaufend in unser hochflexibles Leistungsspektrum und in unser engagiertes Team. Neben Online-Banking oder App können sich unsere Kunden auf Wunsch auch weiterhin sämtliche Bankinformationen und Belege per Post zusenden lassen und mit uns via Mail, Telefon, Brief oder Fax kommunizieren. Darüber hinaus besteht unser Kundenservice-Team aus sachkundigen Mitarbeitenden, die sich von Montag bis Freitag in der Zeit von 9:00 bis 17:00 Uhr gerne persönlich um alle Fragen unserer Kunden und Neukunden kümmern.",[],{"type":1644,"text":1819,"spans":1820,"direction":1037},"Welche Hero-Produkte hat die GarantiBank im Produktportfolio?",[],{"type":1034,"text":1822,"spans":1823,"direction":1037},"Zentrales Element unseres Portfolios für Privatkunden ist das „Kleeblatt-Sparkonto“ – ein Kombinationsprodukt aus klassischem Sparkonto und Tagesgeldkonto. Es bietet die Möglichkeit einer Sparanlage zu einem variablen Zinssatz. Unsere Kunden können jederzeit über ihr Guthaben verfügen und bleiben somit besonders flexibel. Das „Kleeblatt-Sparkonto“ bildet auch die Basis für die Festgeldanlage, da sämtliche Zinsen hier gutgeschrieben werden. Betonen möchte ich, dass wir weder für die Eröffnung des Kontos noch für die Kontoführung Gebühren verlangen. Beliebt sind auch unser „Kleeblatt-Kündigungsgeld“ und unsere „Kleeblatt-Festgeldanlagen“ im Zeitraum von drei bis hin zu sechzig Monaten. Des Weiteren offerieren wir für Firmen spezifische Tagesgeld und Festgeldanlagen.",[1824,1829,1834],{"start":1825,"end":1826,"type":1080,"data":1827},63,82,{"link_type":49,"url":1828,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-sparkonto",{"start":1830,"end":1831,"type":1080,"data":1832},579,603,{"link_type":49,"url":1833,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-kündigungsgeld",{"start":1835,"end":1836,"type":1080,"data":1837},617,642,{"link_type":49,"url":1838,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-festgeld",{"type":1644,"text":1840,"spans":1841,"direction":1037},"Welches Produkt ist am flexibelsten?",[],{"type":1034,"text":1843,"spans":1844,"direction":1037},"Größte Flexibiliät bieten aktuell das Kleeblatt Sparkonto (Tagesgeld) und das Kleeblatt-Kündigungsgeld. Das Kündigungsgeld ist eine gute Alternative zum Kleeblatt-Sparkonto, um von noch höheren Zinssätzen zu profitieren und dennoch variabel zu bleiben.",[],{"type":1644,"text":1846,"spans":1847,"direction":1037},"Wer ist Ihr idealer Kunde?",[],{"type":1034,"text":1849,"spans":1850,"direction":1037},"Ganz bewusst richten wir uns in unserer Neukundenansprache nicht an eine bestimmte Ziel- oder Altersgruppe. Unser Kundenspektrum ist sehr breit, wobei der aktuelle Altersdurchschnitt bei Anfang 50 liegt. Wir bieten aber auch spezifische Sparkonten für Kinder und Jugendliche.",[],{"type":1644,"text":1852,"spans":1853,"direction":1037},"Was raten Sie aktuell Kunden mit einem Budget unter 10.000 oder über 100.000 Euro?",[],{"type":1034,"text":1855,"spans":1856,"direction":1037},"Da aktuell die Zinsen schwanken, empfehlen wir bei einem Budget unter 10.000 Euro Festgeldanlagen mit unterschiedlichen Laufzeiten. Um finanziell beweglich zu sein, kann auch ein kleiner Anteil auf dem Tagesgeldkonto verbleiben.",[],{"type":1034,"text":1858,"spans":1859,"direction":1037},"Bei einem Budget über 100.000 Euro ist derzeit eine Kombination aus 45 % Tagesgeld- und 55 % Festgeldanlage sinnvoll. Auch hier gilt für das Festgeld eine geschickte Mischung aus kürzeren und längeren Laufzeiten zu wählen, um bestmöglich auf steigende oder sinkende Zinssätze reagieren zu können.",[],{"type":1034,"text":1176,"spans":1861,"direction":1037},[],{"type":1154,"text":1863,"spans":1864,"direction":1037},"Seit 1999 in Deutschland",[],{"type":1154,"text":1866,"spans":1867,"direction":1037},"Niederlassung in Düsseldorf",[],{"type":1154,"text":1869,"spans":1870,"direction":1037},"Gesetzliche Niederländische Einlagensicherung bis 100.000 Euro pro Person",[],{"type":1154,"text":1872,"spans":1873,"direction":1037},"Zinssätze je nach Produkt zwischen 1,25 % und 3,40 %",[],{"type":1154,"text":1875,"spans":1876,"direction":1037},"Kundenservice: 0211-86 222 400",[],{"type":1154,"text":1878,"spans":1879,"direction":1037},"Weitere Informationen unter https:\u002F\u002Fgarantibank.de\u002F",[1880],{"start":1881,"end":1882,"type":1080,"data":1883},28,51,{"link_type":49,"url":1884,"target":52},"https:\u002F\u002Fgarantibank.de\u002F","text_block$0234198a-6afa-4178-84b8-5b518a91d14b",{"dimensions":1887,"alt":1769,"copyright":1210,"url":1888,"id":1789,"edit":1889},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmzWGNHVfTPDki_5abbd5a3b0b19c9ecee70ae99615a8c09929cd80-experten-interview.jpeg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1891,"uid":1527,"url":1892,"type":319,"href":1893,"tags":1894,"first_publication_date":1895,"last_publication_date":1896,"slugs":1897,"linked_documents":1899,"lang":13,"alternate_languages":1900,"data":1901},"aMLx9REAACEAionq","\u002Fartikel\u002Fdie-besten-robo-advisor-fuer-einsteiger-2023-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx9REAACEAionq%22%29+%5D%5D",[366,166],"2025-11-05T14:57:39+0000","2026-07-24T09:04:02+0000",[1898],"nachhaltig-investieren-gewinnt-an-bedeutung",[],[],{"publication_date":1902,"last_edit_date":1902,"set_last_edit_date_today":45,"title":1903,"subtitle":1904,"breadcrumb_title":5,"topic":1905,"teaser":1908,"author":1912,"cover":1919,"cover_position":1056,"table_of_content":1927,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":1928,"slices":1929,"meta_title":1972,"meta_description":1973,"meta_image":1974,"meta_indexed":1195},"2023-10-23","Die besten Robo-Advisor für Einsteiger 2023","Digitale Vermögensverwaltung mit gutem Gewissen",{"id":1025,"type":1026,"tags":1906,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":1907,"isBroken":45},[],"b9fdd0bf-78ce-4e57-bd89-6644c59a39d0",[1909],{"type":1034,"text":1910,"spans":1911,"direction":1037},"Im Vergleich zu konservativen Anlageprodukten, ist der Wertpapierhandel aktuell nicht besonders verlockend. Tagesgeld- und Festgeldanlagen bieten aktuell hohe Zinssätze und sind damit konkurrenzfähig.",[],{"id":1913,"type":1040,"tags":1914,"lang":13,"slug":1915,"first_publication_date":1916,"last_publication_date":1917,"uid":1915,"link_type":43,"key":1918,"isBroken":45},"aQtX9hEAACMAT9iA",[],"beate-balke","2025-11-05T14:00:14+0000","2025-11-05T14:04:23+0000","286d5f63-4276-475c-93e9-fc92cdc4fff6",{"dimensions":1920,"alt":1923,"copyright":1210,"url":1924,"id":1925,"edit":1926},{"width":1921,"height":1922},2100,1400,"Zwei Menschen halten einen kleinen Globus in den Händen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmtWGNHVfTPDkP_e54eab217bb3631ae949bb9645a4393801d0c3a1-robo-advisor-fuer-einsteiger.jpeg?auto=format,compress","aMLmtWGNHVfTPDkP",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"link_type":43},[1930],{"variation":1065,"version":1066,"items":1931,"primary":1932,"id":1971,"slice_type":1186,"slice_label":5},[],{"text":1933,"chart_alt":5},[1934,1937,1940,1948,1951,1959,1964],{"type":1071,"text":1935,"spans":1936,"direction":1037},"Nachhaltig investieren gewinnt an Bedeutung",[],{"type":1034,"text":1938,"spans":1939,"direction":1037},"Wenn ein Kunde Festgeld und Tagesgeld bei seiner Bank anlegt, fragt er bestimmt sehr selten, für welche Zwecke die Geldanlage eingesetzt wird. Anders sieht es aus, wenn Kunden in Aktien, Fonds oder Anleihen investieren. Dann spielt auch die Nachhaltigkeit der Geldanlage eine größere Rolle. Dass Kunden genauer hinsehen und nachfragen, finden wir gut. Wir haben schließlich nur eine Erde und auf diese sollten wir Acht geben.",[],{"type":1034,"text":1941,"spans":1942,"direction":1037},"Im Auftrag vom Handelsblatt hat die FMH-Finanzberatung in Erfahrung gebracht, welche Robo-Advisor die besten nachhaltigen Anlagemöglichkeiten bieten. Bei der Auswahl der digitalen Vermögensverwalter waren wir kritisch. In unserer Auswertung wurden nur Robo-Advisor berücksichtigt, die seit mindestens drei Jahren eine nachhaltige Geldanlage anbieten.",[1943],{"start":1944,"end":1945,"type":1080,"data":1946},15,54,{"link_type":49,"url":1947,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Ftrends\u002Fvermoegensverwaltung-diese-robo-advisors-eignen-sich-fuer-einsteiger\u002F29448630.html",{"type":1644,"text":1949,"spans":1950,"direction":1037},"Bewertet wurden Performance und Kosten",[],{"type":1034,"text":1952,"spans":1953,"direction":1037},"Was die Produktmerkmale anbelangt, wollten wir nicht nur die Performance bewerten, sondern auch die Servicekosten generell. Am Rechenbeispiel von 5.000 Euro haben wir die Gebühren der einzelnen Anbieter verglichen. Aber auch die Bedingungen für Einmalanzahlungen und die Mindesthöhe für einen möglichen Sparplan haben wir unter die Lupe genommen. Wer für sich den besten Robo-Advisor finden will, sollte unseren Robo-Advisor Vergleich nutzen.",[1954],{"start":1955,"end":1956,"type":1080,"data":1957},412,434,{"id":161,"type":107,"tags":1958,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],{"type":1034,"text":1960,"spans":1961,"direction":1037},"Bei diesen Kriterien sind die besten Robo-Advisor für nachhaltige Produkte: quirion, growney, Scalable Capital.",[1962],{"start":1963,"end":1054,"type":1089},76,{"type":1034,"text":1965,"spans":1966,"direction":1037},"Aber auch Peaks, Smavesto, bevestor und VisualVest haben mit „gut“ abgeschnitten.",[1967,1969],{"start":1664,"end":1968,"type":1089},35,{"start":1970,"end":1882,"type":1089},40,"text_block$aca5256a-ab1d-44b6-bd26-1f62866dabed","Nachhaltige Robo-Advisor 2023: Die Testsieger | FMH","Nachhaltige Robo-Advisor für Einsteiger vergleichen: Performance, Kosten und ESG-Kriterien im Blick. Jetzt passend und digital investieren.",{"dimensions":1975,"alt":1923,"copyright":1210,"url":1976,"id":1925,"edit":1977},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmtWGNHVfTPDkP_e54eab217bb3631ae949bb9645a4393801d0c3a1-robo-advisor-fuer-einsteiger.jpeg?auto=format%2Ccompress&rect=0%2C0%2C2100%2C1103&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1979,"uid":1528,"url":1980,"type":319,"href":1981,"tags":1982,"first_publication_date":1983,"last_publication_date":1984,"slugs":1985,"linked_documents":1986,"lang":13,"alternate_languages":1987,"data":1988},"afBBAhEAACMAYfdN","\u002Fartikel\u002Fwarum-gerade-jetzt-so-viele-hohe-aktionszinsen","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22afBBAhEAACMAYfdN%22%29+%5D%5D",[],"2026-04-29T06:48:35+0000","2026-11-06T10:23:11+0000",[1528],[],[],{"publication_date":1989,"last_edit_date":1989,"set_last_edit_date_today":45,"title":1990,"subtitle":5,"breadcrumb_title":5,"topic":1991,"teaser":1994,"author":1998,"cover":2005,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":2012,"slices":2015,"meta_title":2065,"meta_description":2066,"meta_image":2067,"meta_indexed":1195},"2026-04-28","Der Aktionszins beim Tagesgeld verrät die Absicht der Bank",{"id":1025,"type":1026,"tags":1992,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":1993,"isBroken":45},[],"e903cb56-1008-4ce3-bcf7-6ca6a81b9bd9",[1995],{"type":1034,"text":1996,"spans":1997,"direction":1037},"Wer Tagesgeld zu Höchstzinsen anlegen will, achtet natürlich auf den Zinssatz und den Zeitraum der Zinsgültigkeit. TOP-Zinsen beim Tagesgeld sind attraktiv, zeigen aber zusätzlich auch eins: Die Bank will Neukunden gewinnen.",[],{"id":1999,"type":1040,"tags":2000,"lang":13,"slug":2001,"first_publication_date":2002,"last_publication_date":2003,"uid":2001,"link_type":43,"key":2004,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","62303495-25de-4fae-a771-27ad5cdd8916",{"dimensions":2006,"alt":2007,"copyright":2008,"url":2009,"id":2010,"edit":2011},{"width":1558,"height":1518},"EZB, Frankfurt bei Nacht","Wirestock Creators, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FafBq1sBOoF08xXIO_EZB-Nacht-Frankfurt.jpg?auto=format,compress","afBq1sBOoF08xXIO",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":2013,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2014,"isBroken":45},[],"7567712b-32d4-4d55-8972-15cf868a2ae7",[2016],{"variation":1065,"version":1066,"items":2017,"primary":2018,"id":2064,"slice_type":1186,"slice_label":5},[],{"text":2019,"chart_alt":5},[2020,2023,2026,2029,2032,2035,2038,2041,2044,2047,2050,2053,2056],{"type":1071,"text":2021,"spans":2022,"direction":1037},"Warum gerade jetzt so viele hohe Aktionszinsen?",[],{"type":1034,"text":2024,"spans":2025,"direction":1037},"Weil man davon ausgehen kann, dass die EZB die Einlagenzinsen am 30. April um mindestens 0,25 Prozentpunkte erhöhen wird, ist jetzt eine gute Zeit für Aktionsangebote. Man kann Neukunden akquirieren und dann von der EZB die erhöhten Einlagenzinsen von 2,25 Prozent  erhalten, wenn die neuen Kundengelder bei der EZB kurzfristig geparkt werden können. Die Bank garantiert einem Anleger 2,25 Prozent und erhält diese auch wieder von der EZB verzinst, wenn die Bank oder Sparkasse, das Geld anschließend dort anlegt. In diesem Fall hat die Bank einen Neukunden gewonnen, der ihr außer Installationskosten keine Unkosten bereitet. Und Neukunden zu werben kostet normalerweise richtig Geld.",[],{"type":1071,"text":2027,"spans":2028,"direction":1037},"Drei Modelle – ein Ziel",[],{"type":1034,"text":2030,"spans":2031,"direction":1037},"Aktionszinsen folgen einem bestimmten Muster, wo bei es drei Gruppen von Neukundenangeboten gibt: Es gibt die Gruppe der Girokonto-Eröffner, dann die Gruppe der Depotkonto-Eröffner und dann noch Angebote, die vor allem auf die Trägheit der Neukunden abzielen.",[],{"type":1034,"text":2033,"spans":2034,"direction":1037},"Mit Blick auf den Schufa-Score ist es nicht immer empfehlenswert, regelmäßig ein neues Girokonto zu eröffnen, um Aktionszinsen für drei bis sechs Monate zu erhalten. Zusätzlich sollten Kunden genau darauf achten, ob das neue Girokonto wirklich kostenfrei ist oder von Anfang an Kontoführungsgebühren und oder andere Fixkosten für Debit- oder Kreditkarte anfallen. Hier ist es besonders wichtig neben dem Tagesgeldzins auch die verpflichtende Girokonto-Eröffnung zu beachten. Monatlich zehn Euro Kontogebühr machen einen augenfälligen Aktionszins schnell uninteressant.",[],{"type":1034,"text":2036,"spans":2037,"direction":1037},"Ähnlich funktioniert das Modell beim Depot: TOP-Tagesgeldzinsen gibt es nur mit Eröffnung eines Anlagedepots. Will man dann dort regelmäßig Geld anlegen oder nur einmalig einen größeren Betrag investieren? Sind Sie bereits erfahren mit Investmentanlagen? Oder machen Sie dies alles nur wegen der TOP-Zinsen und wollen eigentlich gar kein Depot nutzen? Dann sollten Sie die Zusatzbedingungen genau lesen, unter welchen die hohen Zinsen bezahlt werden und welche Kosten später entstehen, wenn der Zeitraum der Garantiezinsen vorbei ist und nur noch das eröffnete Depot genutzt wird.",[],{"type":1034,"text":2039,"spans":2040,"direction":1037},"Und dann haben wir noch die dritte Gruppe der Aktionszinsen: die Banken, die mit der Trägheit der Kunden rechnen. Aktionszinsen gelten nur eine begrenze Zeit und die Zinsen werden anschließend auf das Niveau der Bestandskunden zurückgestuft – was allerdings auch bei den meisten Banken der beiden oberen Gruppen zutrifft. Viele Kunden reagieren darauf nicht und lassen ihr Geld einfach liegen und genau darauf setzen die Banken.",[],{"type":1034,"text":2042,"spans":2043,"direction":1037}," ",[],{"type":1644,"text":2045,"spans":2046,"direction":1037},"Ein Rechenbeispiel",[],{"type":1034,"text":2048,"spans":2049,"direction":1037},"Ein typisches Szenario verdeutlicht das Prinzip. Wenn die Bank dem Neukunden 2,5 Prozent garantiert und die EZB bei einer Wiederanlage 2,25 Prozent der Bank vergütet, dann hat die Bank einen Zinsbetrag von 312,50 Euro für drei Monate an den Neukunden zu bezahlen und würde bei einer Komplettanlage bei der EZB lediglich Zinsen in Höhe von 281,25 Euro erhalten. Also eigentlich ein Verlustgeschäft von 31,25 Euro. Dafür hat die Bank aber einen neuen Kunden gewonnen. Noch kein allzu großes Verlustgeschäft. Bleibt dieser Kunde nach Ablauf der Aktion noch vier Wochen bei der Bank und gibt sich mit 0,75 Prozent für einen Bestandskunden zufrieden, dann macht die Bank in diesem einen Monat einen Überschuss. Der Kunde erhält 31,25 Euro Zinsen und die Bank erhält von der EZB bei diesem Beispielkunden immerhin 93,75 Euro. Ergibt also folgende Rechnung: EZB-Gutschrift 93,75 Euro minus 31,25 Euro Zinszahlung an Bestandskunden gleich 62,50 Euro Gewinn für die Bank. Minus dem „Verlust“ für die ersten drei Aktionsmonate macht die Bank immer noch einen Gewinn von 31,25 Euro. Nicht viel aber doch etwas und man hat einen Neukunden, der vielleicht sogar länger bei der Bank sein Tagesgeld liegen lässt.",[],{"type":1071,"text":2051,"spans":2052,"direction":1037},"Aktionszinsen dienen meist der Neukundengewinnung",[],{"type":1034,"text":2054,"spans":2055,"direction":1037},"Diese Beispiele sollten Sie nicht davon abhalten, Neukundenangebote zu nutzen. Sie sollten aber auch an eventuelle Nebenkosten denken und auch daran, was mit diesen passiert, wenn die Garantiezeit zu Ende ist.",[],{"type":1034,"text":2057,"spans":2058,"direction":1037},"Nutzen Sie unseren Vergleichsrechner von fmh.de, der auch bei längerem Anlagezeitraum errechnet, wie viele Tagesgeldzinsen Sie am Ende erhalten. Am Ende der Garantiezeit wird mit den derzeit gültigen Bestandskundenangeboten weitergerechnet: Dies ist eine faire Betrachtung, die Sie nicht bei allen Vergleichsangeboten finden werden.",[2059],{"start":2060,"end":2061,"type":1080,"data":2062},19,47,{"link_type":49,"url":2063,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ftagesgeld","text_block$f4aeb35d-c1a1-4dd7-8269-b8290973972e","Tagesgeld-Aktionszinsen: Was Banken damit bezwecken | FMH.de","Max Herbst erklärt anschaulich, welche Vorteile Banken durch zeitlich begrenzte Aktionszinsen haben",{"dimensions":2068,"alt":2007,"copyright":2008,"url":2069,"id":2010,"edit":2070},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FafBq1sBOoF08xXIO_EZB-Nacht-Frankfurt.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2071,"zoom":25,"background":26},106,{"id":2073,"uid":1529,"url":2074,"type":319,"href":2075,"tags":2076,"first_publication_date":2077,"last_publication_date":2078,"slugs":2079,"linked_documents":2081,"lang":13,"alternate_languages":2082,"data":2083},"aaWmHREAACcAyjCP","\u002Fartikel\u002Fdie-besten-tagesgeldzinsen-2026-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aaWmHREAACcAyjCP%22%29+%5D%5D",[],"2026-03-03T09:45:34+0000","2026-11-06T12:11:51+0000",[2080],"mehr-sicherheit-und-langere-zinsgarantien",[],[],{"publication_date":2084,"last_edit_date":2084,"set_last_edit_date_today":45,"title":2085,"subtitle":2086,"breadcrumb_title":5,"topic":2087,"teaser":2090,"author":2097,"cover":2100,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":2108,"slices":2111,"meta_title":2220,"meta_description":2221,"meta_image":2222,"meta_indexed":1195},"2026-03-03","Tagesgeld 2026: Wo Sparer jetzt die attraktivsten Konditionen finden","Hohe Aktionszinsen, längere Garantien und sichere Einlagen im Vergleich",{"id":1025,"type":1026,"tags":2088,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2089,"isBroken":45},[],"ef357c28-aa54-45da-874c-629d7491c9f0",[2091],{"type":1034,"text":2092,"spans":2093,"direction":1037},"Tagesgeld bleibt gefragt. Flexible Verfügbarkeit trifft auf stabile Zinsen – zumindest während der Zinsgarantie. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts analysiert, welche Banken 2026 mit den besten Tagesgeldangeboten überzeugen.",[2094],{"start":1124,"end":1129,"type":1080,"data":2095},{"link_type":49,"url":2096,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Franking-das-sind-die-besten-und-lukrativsten-tagesgeldkonten\u002F100197805.html",{"id":1039,"type":1040,"tags":2098,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":2099,"isBroken":45},[],"df7193c2-7d39-4f7c-86b9-5fe3fccdfa01",{"dimensions":2101,"alt":2103,"copyright":2104,"url":2105,"id":2106,"edit":2107},{"width":1558,"height":2102},1002,"Lächelndes Senioren Paar auf dem Küchen Boden mit einem Kaffee in der Hand","PeopleImages, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress","aaasoFxvIZEnjQxz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":2109,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2110,"isBroken":45},[],"bd82ee6a-76ee-42a7-aa6b-b1f62ae3c759",[2112],{"variation":1065,"version":1066,"items":2113,"primary":2114,"id":2219,"slice_type":1186,"slice_label":5},[],{"text":2115,"chart_alt":5},[2116,2119,2122,2124,2132,2135,2138,2141,2144,2147,2150,2153,2156,2163,2170,2173,2181,2188,2195,2201,2204,2207,2210,2217],{"type":1071,"text":2117,"spans":2118,"direction":1037},"Mehr Sicherheit und längere Zinsgarantien",[],{"type":1034,"text":2120,"spans":2121,"direction":1037},"In wirtschaftlich unsicheren Zeiten setzen viele Anleger wieder stärker auf Stabilität und schnelle Verfügbarkeit. Tagesgeld erfüllt diese Anforderungen: Das Guthaben ist jederzeit verfügbar und durch die gesetzliche Einlagensicherung bis 100.000 Euro je Bank geschützt; teils sichern Banken darüber hinaus deutlich höhere Beträge ab. Gleichzeitig passen viele Institute ihre Aktionszinsen an, um neue Kundinnen und Kunden zu gewinnen. Zudem verlängern immer mehr Anbieter die Zinsgarantie – statt nur drei Monaten werden zunehmend sechs oder sogar zwölf Monate feste Konditionen angeboten, was die Planungssicherheit spürbar erhöht.",[],{"type":1071,"text":1609,"spans":2123,"direction":1037},[],{"type":1034,"text":2125,"spans":2126,"direction":1037},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts insgesamt 75 bundesweite Tagesgeldanbieter untersucht.",[2127],{"start":2128,"end":2129,"type":1080,"data":2130},66,109,{"link_type":49,"url":2131,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-tagesgeldzinsen-handelsblatt",{"type":1034,"text":2133,"spans":2134,"direction":1037},"Im Mittelpunkt standen:",[],{"type":1034,"text":2136,"spans":2137,"direction":1037},"•\tRendite für 4 Monate",[],{"type":1034,"text":2139,"spans":2140,"direction":1037},"•\tDauer der Zinsgarantie",[],{"type":1034,"text":2142,"spans":2143,"direction":1037},"•\tEinlagensicherung",[],{"type":1034,"text":2145,"spans":2146,"direction":1037},"•\tMindestanlage",[],{"type":1034,"text":2148,"spans":2149,"direction":1037},"•\tmögliche Zusatzbedingungen (z. B. Girokonto-Eröffnung)",[],{"type":1034,"text":2151,"spans":2152,"direction":1037},"Sechs Banken erhielten die Bestnote „sehr gut“. Bewertet wurde nicht nur die maximale Verzinsung, sondern die Gesamtattraktivität des Angebots.",[],{"type":1071,"text":2154,"spans":2155,"direction":1037},"Diese Banken liegen vorne",[],{"type":1034,"text":2157,"spans":2158,"direction":1037},"An der Spitze der Auswertung steht Bank11 mit einem Aktionszins von 3,11 Prozent bei dreimonatiger Garantie.",[2159],{"start":1968,"end":2160,"type":1080,"data":2161},41,{"link_type":49,"url":2162,"target":52},"https:\u002F\u002Fmoneytrax.de\u002Fclick.php?aid=62&linkid=N48&userid=&subid=",{"type":1034,"text":2164,"spans":2165,"direction":1037},"Mit einem noch höheren Einstiegszins von 3,33 Prozent folgt die norisbank. Allerdings sinkt der Zinssatz nach Ablauf der Garantie deutlich. Zudem ist ein Girokonto beim Anbieter Voraussetzung.",[2166],{"start":1100,"end":2167,"type":1080,"data":2168},73,{"link_type":49,"url":2169,"target":52},"https:\u002F\u002Fwww.norisbank.de\u002Fgeldanlage\u002Ftagesgeld-festgeld\u002Ftagesgeld.html",{"type":1034,"text":2171,"spans":2172,"direction":1037},"Ebenfalls mit „sehr gut“ bewertet wurden:",[],{"type":1034,"text":2174,"spans":2175,"direction":1037},"•\tcomdirect",[2176],{"start":2177,"end":2178,"type":1080,"data":2179},2,11,{"link_type":49,"url":2180,"target":52},"https:\u002F\u002Fwww.comdirect.de\u002Fgeldanlage\u002Ftagesgeld.html",{"type":1034,"text":2182,"spans":2183,"direction":1037},"•\tVolkswagen Bank",[2184],{"start":2177,"end":2185,"type":1080,"data":2186},17,{"link_type":49,"url":2187,"target":52},"https:\u002F\u002Fpartners.pilot.de\u002Fgo.cgi?pid=34&wmid=162&cpid=1&prid=1&subid=62&target=Tagesgeld_12_2022",{"type":1034,"text":2189,"spans":2190,"direction":1037},"•\tSuresse Direkt Bank",[2191],{"start":2177,"end":2192,"type":1080,"data":2193},21,{"link_type":49,"url":2194,"target":52},"https:\u002F\u002Fwww.suressedirektbank.de\u002Fde\u002Fsparen-anlegen\u002Ftagesgeld?utm_source=fmh&utm_medium=affiliate&utm_campaign=listing&utm_content=tagesgeld",{"type":1034,"text":2196,"spans":2197,"direction":1037},"•\tBBVA",[2198],{"start":2177,"end":1669,"type":1080,"data":2199},{"link_type":49,"url":2200,"target":52},"https:\u002F\u002Fwww.bbva.de\u002Fprivat\u002Fservices\u002Fsmart-banking\u002Fsparbox.html",{"type":1071,"text":2202,"spans":2203,"direction":1037},"Fazit: Attraktive Chancen für sicherheitsorientierte Anleger",[],{"type":1034,"text":2205,"spans":2206,"direction":1037},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt: Tagesgeld bleibt 2026 eine solide Option für Anleger, die Wert auf Sicherheit und Flexibilität legen.",[],{"type":1034,"text":2208,"spans":2209,"direction":1037},"Wer nicht nur auf den Höchstzins schaut, sondern Garantiezeit, Anschlusszins und Bedingungen vergleicht, kann sein Erspartes gezielt optimieren.",[],{"type":1034,"text":2211,"spans":2212,"direction":1037},"Der FMH Tagesgeld-Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote.",[2213],{"start":1158,"end":2214,"type":1080,"data":2215},27,{"id":106,"type":107,"tags":2216,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1034,"text":1176,"spans":2218,"direction":1037},[],"text_block$5c4f0484-75a5-47ff-8620-7a618dc50a24","Die besten Tagesgeldzinsen 2026 | FMH.de","Tagesgeldvergleich 2026: Entdecken Sie attraktive Tagesgeldkonten mit hohen Zinsen und Zinsgarantie. FMH-Auswertung für das Handelsblatt.",{"dimensions":2223,"alt":2103,"copyright":2104,"url":2224,"id":2106,"edit":2225},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress&rect=0,107,1500,788&w=2400&h=1260",{"x":24,"y":2226,"zoom":25,"background":26},107,{"id":2228,"uid":1530,"url":2229,"type":319,"href":2230,"tags":2231,"first_publication_date":2232,"last_publication_date":2233,"slugs":2234,"linked_documents":2236,"lang":13,"alternate_languages":2237,"data":2238},"aMLyAxEAACIAiooY","\u002Fartikel\u002Fdie-besten-etf-broker-2023-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyAxEAACIAiooY%22%29+%5D%5D",[366,145],"2025-11-05T14:20:28+0000","2026-10-16T09:28:52+0000",[2235],"etf-anlagen-bleiben-attraktiv--trotz-steigender-zinsen",[],[],{"publication_date":2239,"last_edit_date":2239,"set_last_edit_date_today":45,"title":2240,"subtitle":2241,"breadcrumb_title":5,"topic":2242,"teaser":2245,"author":2249,"cover":2252,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":2259,"slices":2262,"meta_title":2315,"meta_description":2316,"meta_image":2317,"meta_indexed":1195},"2023-12-13","Die besten Broker für ETF-Geldanlagen 2023","Wo sich ETF-Investments besonders lohnen – und welche Broker überzeugen",{"id":1025,"type":1026,"tags":2243,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2244,"isBroken":45},[],"bbf92441-2a1e-49e8-8cdf-e52c4cb2b986",[2246],{"type":1034,"text":2247,"spans":2248,"direction":1037},"Die Negativzinsen sind Geschichte, erste Anbieter bieten wieder vier Prozent fürs Tagesgeld. Dennoch kann es sich lohnen, weiterhin auf Indexfonds zu setzen. Wo Anleger die besten Broker für ETF-Anlagen finden.",[],{"id":1913,"type":1040,"tags":2250,"lang":13,"slug":1915,"first_publication_date":1916,"last_publication_date":1917,"uid":1915,"link_type":43,"key":2251,"isBroken":45},[],"2810c245-05df-4b28-81e3-b39a468d85c3",{"dimensions":2253,"alt":2255,"copyright":1210,"url":2256,"id":2257,"edit":2258},{"width":1049,"height":2254},800,"Frau überprüft Datensätze am Computer und Smartphone","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmk2GNHVfTPDjw_767ff0ac657ffdcbca4ca705e1384c6bcbb9d176-frau_am_computer.jpg?auto=format,compress","aMLmk2GNHVfTPDjw",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":2260,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2261,"isBroken":45},[],"c3a44212-c6fd-46dc-8e83-4def71c47bda",[2263],{"variation":1065,"version":1066,"items":2264,"primary":2265,"id":2314,"slice_type":1186,"slice_label":5},[],{"text":2266,"chart_alt":5},[2267,2270,2273,2276,2279,2282,2285,2287,2295,2298,2301,2304,2307],{"type":1071,"text":2268,"spans":2269,"direction":1037},"ETF-Anlagen bleiben attraktiv – trotz steigender Zinsen",[],{"type":1034,"text":2271,"spans":2272,"direction":1037},"Es ist noch gar nicht lange her, da waren festverzinsliche Geldanlagen in Deutschland ein dramatisches Verlustgeschäft. Selbst vorsichtige Sparer wandten sich daher von Fest- und Tagesgeldkonten ab und suchten ihr Glück in ETF-Anlagen. Die meisten von ihnen sind damit gut gefahren.",[],{"type":1034,"text":2274,"spans":2275,"direction":1037},"Angesichts der steigenden Zinsen werden zwar auch festverzinsliche Angebote wieder attraktiver. Echte Renditen – jenseits des Inflationsausgleichs – erzielen Anleger aber nach wie vor nur, wenn sie sich an den Kapitalmarkt wagen. Das gilt umso mehr, als der Zinsanstieg bereits ins Stocken geraten ist.",[],{"type":1034,"text":2277,"spans":2278,"direction":1037},"Aktien, und damit auch die ETF-Anlagen, machen hingegen wieder Boden gut und sind auf dem Weg zu neuen Spitzenwerten.",[],{"type":1644,"text":2280,"spans":2281,"direction":1037},"Warum sich ETF-Sparpläne für Anleger lohnen",[],{"type":1034,"text":2283,"spans":2284,"direction":1037},"Wer von dieser Entwicklung profitieren, aber die Risiken überschaubar halten will, ist mit einem ETF-Sparplan gut beraten. Einsteiger müssen sich im Vorfeld allerdings einen Broker suchen, der die Geschäfte für sie abwickelt. Doch welche Anbieter sind zu empfehlen?\nWelche ETF-Broker sind am günstigsten?",[],{"type":1644,"text":1609,"spans":2286,"direction":1037},[],{"type":1034,"text":2288,"spans":2289,"direction":1037},"Dieser Frage ist die FMH-Finanzberatung im Auftrag der WirtschaftsWoche nachgegangen.",[2290],{"start":2291,"end":2292,"type":1080,"data":2293},43,71,{"link_type":49,"url":2294,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Ftarifvergleich-die-besten-broker-fuer-etf-anleger\u002F29360082.html",{"type":1034,"text":2296,"spans":2297,"direction":1037},"Unser Augenmerk lag dabei ausschließlich auf den Kosten für Kauf und Verkauf von Papieren sowie die den Depotgebühren. Die Wertentwicklung der einzelnen ETFs floss nicht in die Bewertung ein.",[],{"type":1071,"text":2299,"spans":2300,"direction":1037},"Top-Anbieter 2023 im Überblick",[],{"type":1034,"text":2302,"spans":2303,"direction":1037},"Bei den Online und Neo-Brokern konnten nach diesen Kriterien vor allem Traders Place, finanzen.net I zero; Trade Republic, Scalable Capital und just Trade überzeugen.",[],{"type":1034,"text":2305,"spans":2306,"direction":1037},"Die besten ETF-Broker aus dem Lager der Direkt- und Geschäftsbanken sind ING, Targobank und Santander.",[],{"type":1034,"text":2308,"spans":2309,"direction":1037},"Einen umfassenden Überblick über ETF-Broker finden Sie in unserem Depot-Vergleich.",[2310],{"start":2128,"end":2311,"type":1080,"data":2312},81,{"id":141,"type":107,"tags":2313,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$511a9e41-f628-4181-a6cf-58a99bafe45e","ETF-Broker 2023 im Vergleich: Die besten Anbieter | FMH","Die besten ETF-Broker 2023 im Vergleich: Kosten und Leistungen prüfen, passenden Anbieter finden und ETF-Investments gezielt optimieren.",{"dimensions":2318,"alt":2255,"copyright":1210,"url":2319,"id":2257,"edit":2320},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmk2GNHVfTPDjw_767ff0ac657ffdcbca4ca705e1384c6bcbb9d176-frau_am_computer.jpg?auto=format%2Ccompress&rect=0%2C0%2C1200%2C630&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":364,"uid":370,"url":371,"type":319,"href":2322,"tags":2323,"first_publication_date":368,"last_publication_date":369,"slugs":2324,"linked_documents":2325,"lang":13,"alternate_languages":2326,"data":2327},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQIk3hIAACYAHznu%22%29+%5D%5D",[366,145],[367],[],[],{"publication_date":2328,"last_edit_date":1021,"set_last_edit_date_today":45,"title":373,"subtitle":2329,"breadcrumb_title":5,"topic":2330,"teaser":2333,"author":2337,"cover":2340,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":2346,"slices":2349,"meta_title":2452,"meta_description":2453,"meta_image":2454,"meta_indexed":1195},"2025-09-09","So sparen Anleger Gebühren und sichern sich bessere Renditen",{"id":1025,"type":1026,"tags":2331,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2332,"isBroken":45},[],"7960af36-a641-412e-95e6-223210201a08",[2334],{"type":1034,"text":2335,"spans":2336,"direction":1037},"Bei der Wahl ihres Brokers achten viele ETF-Anleger vor allem auf niedrige Kosten - zu Recht. Doch was auf den ersten Blick günstig wirkt, kann schnell teuer werden. Die FMH-Finanzberatung hat für die WirtschaftsWoche untersucht, welche Anbieter 2025 besonders gute Konditionen für ETF-Anleger bieten.",[],{"id":1039,"type":1040,"tags":2338,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":2339,"isBroken":45},[],"22a04aa5-cd51-4fac-afcb-f8c143ea5732",{"dimensions":2341,"alt":2342,"copyright":5,"url":2343,"id":2344,"edit":2345},{"width":1048,"height":1049},"Eine Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress","aQIvy7pReVYa3zOO",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":2347,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2348,"isBroken":45},[],"e6feac33-3d24-488f-abab-7b196fe8560d",[2350],{"variation":1065,"version":1066,"items":2351,"primary":2352,"id":2451,"slice_type":1186,"slice_label":5},[],{"text":2353,"chart_alt":5},[2354,2356,2365,2368,2371,2374,2379,2384,2389,2393,2398,2403,2411,2414,2426,2429,2435,2438,2444],{"type":1071,"text":1072,"spans":2355,"direction":1037},[],{"type":1034,"text":2357,"spans":2358,"direction":1037},"Für die aktuelle Auswertung hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche insgesamt 24 Anbieter verglichen – 11 Onlinebroker sowie 13 Geschäfts- und Direktbanken. Bewertet wurden die Depotkosten, Transaktionsgebühren, Orderkosten beim Wertpapierkauf, die Gebühren für Sparplan-Ausführungen sowie das Vorhandensein von Auszahlplänen. Untersucht wurden zwei Szenarien: geringe Transaktionsvolumen von 500 Euro und hohe Volumen von 10.000 Euro pro Trade.",[2359,2362],{"start":1078,"end":2214,"type":1080,"data":2360},{"link_type":49,"url":2361,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-broker-f-r-den-etf-handel-wirtschaftswoche",{"start":1085,"end":1101,"type":1080,"data":2363},{"link_type":49,"url":2364,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fvergleich-die-besten-broker-fuer-etf-anleger\u002F100153729.html",{"type":1071,"text":2366,"spans":2367,"direction":1037},"Kosten sind entscheidend für die Rendite",[],{"type":1034,"text":2369,"spans":2370,"direction":1037},"Was auf den ersten Blick günstig aussieht, kann sich bei genauer Betrachtung als Renditekiller erweisen. Eine scheinbar niedrige Ordergebühr von 0,25 Prozent kann ohne Obergrenze bei hohen Beträgen stark ins Gewicht fallen. Umgekehrt verteuern fixe Mindestgebühren kleine Ordervolumina erheblich. Wer selten handelt, sollte vor allem auf ein kostenloses Depot achten. Wer regelmäßig investiert, profitiert stärker von niedrigen Orderkosten. Wichtig ist außerdem, ob eine Mindest- oder Höchstgebühr gilt - sie entscheidet, ob ein Modell für kleine oder große Summen geeignet ist.",[],{"type":1071,"text":2372,"spans":2373,"direction":1037},"Beste Broker bei kleinen Transaktionsvolumen",[],{"type":1034,"text":2375,"spans":2376,"direction":1037},"Bei einem Ordervolumen von 500 Euro pro Trade wurden fünf Onlinebroker mit „sehr gut“ ausgezeichnet:",[2377],{"start":2378,"end":1616,"type":1089},75,{"type":1154,"text":2380,"spans":2381,"direction":1037},"Smartbroker+ – 1,00 Euro pro Order bis 499,99 Euro, darüber kostenlos",[2382],{"start":24,"end":2383,"type":1089},12,{"type":1154,"text":2385,"spans":2386,"direction":1037},"Traders Place – 0,95 Euro pro Order bis 499,99 Euro, ab 500 Euro gebührenfrei",[2387],{"start":24,"end":2388,"type":1089},13,{"type":1154,"text":2390,"spans":2391,"direction":1037},"Scalable Capital – pauschal 0,99 Euro pro Order",[2392],{"start":24,"end":1159,"type":1089},{"type":1154,"text":2394,"spans":2395,"direction":1037},"Trade Republic – pauschal 1,00 Euro",[2396],{"start":24,"end":2397,"type":1089},14,{"type":1154,"text":2399,"spans":2400,"direction":1037},"N26 – keine Transaktionskosten",[2401],{"start":24,"end":2402,"type":1089},3,{"type":1034,"text":2404,"spans":2405,"direction":1037},"Alle ausgezeichneten Anbieter führen das Depot kostenlos, ebenso die Ausführung der Sparpläne. Unter den Geschäfts- und Direktbanken, konnte in dieser Kategorie die ING, sowie die 1822direkt mit einem „sehr gut“ überzeugen.",[2406,2408],{"start":2407,"end":1129,"type":1089},165,{"start":2409,"end":2410,"type":1089},180,191,{"type":1071,"text":2412,"spans":2413,"direction":1037},"Beste Broker bei hohen Transaktionsvolumen",[],{"type":1034,"text":2415,"spans":2416,"direction":1037},"Auch bei einem Ordervolumen von 10.000 Euro pro Trade überzeugen die gleichen fünf Anbieter mit Top-Konditionen. Zusätzlich erhielt Flatex die Bewertung „sehr gut“. Bei hohem Transaktionsvolumen überzeugte außerdem die ING und die Merkur Privatbank unter den Geschäfts- und Direktbanken.",[2417,2420,2423],{"start":2418,"end":2419,"type":1089},132,138,{"start":2421,"end":2422,"type":1089},219,223,{"start":2424,"end":2425,"type":1089},231,248,{"type":1071,"text":2427,"spans":2428,"direction":1037},"Onlinebroker bleiben klar im Vorteil",[],{"type":1034,"text":2430,"spans":2431,"direction":1037},"Die Auswertung zeigt: Neobroker und Onlinebroker bieten meist einheitlich niedrige Gebühren und kostenlose Depots. Geschäfts- und Direktbanken haben in den vergangenen Jahren aufgeholt, liegen preislich aber weiterhin höher. Onlinebroker arbeiten überwiegend mit Pauschalpreisen, wodurch die Kosten auch bei höheren Volumina stabil bleiben. Klassische Banken verlangen dagegen häufiger prozentuale Ordergebühren, die mit dem Anlagevolumen steigen.",[2432],{"start":1158,"end":2433,"type":1080,"data":2434},20,{"link_type":49,"url":2361,"target":52},{"type":1071,"text":2436,"spans":2437,"direction":1037},"Fazit: Günstig handeln zahlt sich aus",[],{"type":1034,"text":2439,"spans":2440,"direction":1037},"Die FMH-Auswertung zeigt, dass Anleger mit der richtigen Brokerwahl ihre Rendite deutlich verbessern können. Vor allem Online- und Neobroker punkten mit niedrigen Gebühren, kostenlosen Depots und attraktiven Sparplanangeboten.",[2441],{"start":1158,"end":2442,"type":1080,"data":2443},18,{"link_type":49,"url":2361,"target":52},{"type":1034,"text":2445,"spans":2446,"direction":1037},"\nDer FMH Depot-Vergleich liefert einen transparenten Überblick über alle getesteten Anbieter – unabhängig, aktuell und praxisnah.",[2447],{"start":2448,"end":1079,"type":1080,"data":2449},5,{"id":141,"type":107,"tags":2450,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$a4f35377-565c-4bc7-ad79-5f0c205b7099","Broker-Vergleich: Die besten Anbieter für ETFs | FMH.de","ETF-Broker im Test: FMH & WirtschaftsWoche zeigen 2025 die besten Anbieter für geringe & hohe Ordervolumen. Jetzt günstig handeln.",{"dimensions":2455,"alt":2456,"copyright":5,"url":2457,"id":2344,"edit":2458},{"width":1191,"height":1192},"Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress&rect=0,128,1800,945&w=2400&h=1260",{"x":24,"y":1107,"zoom":25,"background":26},{"id":330,"uid":335,"url":336,"type":319,"href":2460,"tags":2461,"first_publication_date":333,"last_publication_date":334,"slugs":2462,"linked_documents":2463,"lang":13,"alternate_languages":2464,"data":2465},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22acVE0BEAAB8Apqh6%22%29+%5D%5D",[],[332],[],[],{"publication_date":2466,"last_edit_date":2466,"set_last_edit_date_today":45,"title":338,"subtitle":2467,"breadcrumb_title":5,"topic":2468,"teaser":2471,"author":2475,"cover":2478,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":2485,"slices":2488,"meta_title":2577,"meta_description":2578,"meta_image":2579,"meta_indexed":1195},"2026-03-27","Warum steigen im Moment die Zinsen für kurzfristige Festgeldanlagen?",{"id":1025,"type":1026,"tags":2469,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2470,"isBroken":45},[],"4c408a1d-e002-44e4-b4d8-659e4fa16142",[2472],{"type":1034,"text":2473,"spans":2474,"direction":1037},"Nicht nur in der Weltpolitik scheinen die alten Gewissheiten derzeit wenig zu gelten. Auch auf dem Zinsmarkt gibt es aktuell erstaunliche Dynamiken. Wir haben genau hingeschaut, eine Erklärung gefunden – und eine Anlagestrategie für konservative Sparer entwickelt.",[],{"id":1999,"type":1040,"tags":2476,"lang":13,"slug":2001,"first_publication_date":2002,"last_publication_date":2003,"uid":2001,"link_type":43,"key":2477,"isBroken":45},[],"35a20f50-e55e-4d82-af71-ca5586b898c0",{"dimensions":2479,"alt":2480,"copyright":2481,"url":2482,"id":2483,"edit":2484},{"width":1558,"height":1518},"Soldat schaut auf Hubschrauber","shutterstock, Maria Taran","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FacVMV5GXnQHGZAPg_Soldat-schaut-auf-Hubschrauber.jpg?auto=format,compress","acVMV5GXnQHGZAPg",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":2486,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2487,"isBroken":45},[],"0a3e8dc5-d162-48a4-bb04-12bc2253ce58",[2489,2514,2528],{"variation":1065,"version":1066,"items":2490,"primary":2491,"id":2513,"slice_type":1186,"slice_label":5},[],{"text":2492,"chart_alt":5},[2493,2496,2499,2501,2504,2507,2510],{"type":1034,"text":2494,"spans":2495,"direction":1037},"Eigentlich ist es ja so, dass die Renditen festverzinslicher Geldanlagen mit der Dauer der Festlegung steigen.  Festgeld, mit dem eine Bank zehn Jahre lang planen kann, ist daher rentabler als einjähriges Festgeld. Zumindest war dies früher meist der Fall.  ",[],{"type":1034,"text":2497,"spans":2498,"direction":1037},"In der jüngeren Vergangenheit haben sich viele alte Gewissheiten aber verschoben. Und weil wir bei der FMH-Finanzberatung seit mehr als 40 Jahren Zinsvergleiche anstellen, haben wir sogar die Daten, um diese Verschiebungen grafisch darzustellen.",[],{"type":1034,"text":1176,"spans":2500,"direction":1037},[],{"type":1071,"text":2502,"spans":2503,"direction":1037},"Historische Rückblicke",[],{"type":1034,"text":2505,"spans":2506,"direction":1037},"Die Geschichte wiederholt sich, auch wenn sich die Auslöser unterscheiden. Den ersten bemerkenswerten Anstieg bei einjährigen Festgeldanlagen haben wir im Oktober 2008 gesehen. Die Pleite der amerikanischen Investmentbank Lehmann Brothers markierte den Höhepunkt der globalen Finanzkrise – und beeinflusste damit auch den deutschen Markt.",[],{"type":1034,"text":2508,"spans":2509,"direction":1037},"Das zweite dramatische Ereignis, das (auch) den deutschen Zinsmarkt zu solch ungewöhnlichen Entwicklungen veranlasste, war der russische Angriffskrieg in der Ukraine. Als die Energiekrise im Dezember 2023 spürbar wurde, zeigten unsere Daten erneut einen Anstieg bei den kurzfristigen Festgeldern.",[],{"type":1034,"text":2511,"spans":2512,"direction":1037},"Und auch heute stehen wir wieder an einem Wendepunkt. Der Krieg im Iran und dem mittleren Osten schürt erneut die Sorge vor einer Energiekrise. Die Ölpreise von einem Höchststand zum nächsten - und man muss kein Prophet sein, um vorherzusagen, dass die Inflation wieder steigen und das Wirtschaftswachstum zurückgehen wird.  ",[],"text_block$048451c6-29ea-4a2d-a414-241e40724a46",{"variation":1065,"version":1066,"items":2515,"primary":2516,"id":2527,"slice_type":1186,"slice_label":5},[],{"text":2517,"chart_alt":2526},[2518],{"type":2519,"oembed":2520},"embed",{"embed_url":2521,"type":2522,"version":2523,"provider_name":2524,"thumbnail_url":2521,"html":2525,"url":2521},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Ff81eb407-3228-4750-833e-69a3d3c6f508\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Ff81eb407-3228-4750-833e-69a3d3c6f508\u002F\">\u003C\u002Fdiv>","Zinsentwicklung beim Festgeld seit Mitte der 1990er Jahre","text_block$229632eb-dd11-4851-a51d-4de3334ee33b",{"variation":1065,"version":1066,"items":2529,"primary":2530,"id":2576,"slice_type":1186,"slice_label":5},[],{"text":2531,"chart_alt":5},[2532,2535,2538,2540,2543,2546,2549,2552,2555,2557,2560,2567,2570,2573],{"type":1071,"text":2533,"spans":2534,"direction":1037},"Die Psychologie hinter kurzen Laufzeiten",[],{"type":1034,"text":2536,"spans":2537,"direction":1037},"Doch warum steigen in Krisenzeiten die Zinsen auf kurzfristige Geldanlagen? In unsicheren Zeiten sehnen sich viele Anleger nach Planbarkeit.  Und wollen sich die aktuellen Zinsen möglichst lange sichern. Viele tun dies vielleicht auch in der Erwartung, dass die Krisen bald wieder vorbei sind – und sie dann auch in guten Zeiten von den aktuell recht hohen Renditen profitieren. Weil die Nachfrage nach langlaufenden Festgeldern deshalb aber immens hoch ist, sinken die Renditen in diesem Bereich. Und wir sehen stattdessen steigende Zinsen in den Segmenten, in denen die Banken dringender auf Kundengelder angewiesen sind: den weniger gefragten, kurzfristigeren Festgeldanlagen.",[],{"type":1034,"text":1176,"spans":2539,"direction":1037},[],{"type":1071,"text":2541,"spans":2542,"direction":1037},"Und wenn die Zinsen auf langfristige Anlagen doch wieder steigen?",[],{"type":1034,"text":2544,"spans":2545,"direction":1037},"Anleger, die auf der Suche nach der richtigen, festverzinslichen Geldanlage sind, stehen derzeit also vor einem Dilemma: Einerseits ist es verständlich, nicht benötigte Ersparnisse langfristig anlegen zu wollen, um Planungssicherheit zu haben.",[],{"type":1034,"text":2547,"spans":2548,"direction":1037},"Was den Ertrag angeht, ist dieses Vorgehen allerdings nicht unbedingt empfehlenswert. Vor allem, wenn man, aus nachvollziehbaren Gründen eine Inflationsrate (weit) oberhalb der Zwei-Prozent-Marke erwartet: Selbst, wenn man drei Prozent Rendite für zehnjähriges Festgeld bekommt, wäre die Realverzinsung bei 2,5 Prozent Inflation nur minimal. Bei noch höheren Teuerungsraten könnten Sparer mit ihrer Festgeldanlage sogar reale Verluste einfahren.",[],{"type":1034,"text":2550,"spans":2551,"direction":1037},"Ebenfalls nachvollziehbar ist der Ansatz, abzuwarten, zu beobachten und auf dem Höhepunkt des Zinswachstums ein Festgeldkonto zu eröffnen, kurz bevor es wieder abwärts geht. Dieses Poker kann sich zwar rentieren – er kann aber auch böse nach hinten losgehen.",[],{"type":1034,"text":2553,"spans":2554,"direction":1037},"Denn wenn viele Sparer so verfahren, werden die Banken die länger laufenden Festgelder bei hoher Nachfrage geringer verzinsen als die kurzfristigen Angebote. Wer dann über Monate hinweg sein Geld auf dem Girokonto oder einem schlecht verzinsten Tagesgeldkonto parkt, könnte sich verkalkuliert haben.",[],{"type":1034,"text":1176,"spans":2556,"direction":1037},[],{"type":1071,"text":2558,"spans":2559,"direction":1037},"Strategie-Check von fmh.de",[],{"type":1034,"text":2561,"spans":2562,"direction":1037},"Mit unserem Rechner \"Anlage-Duell\" können sie solche Überlegungen mathematisch überprüfen.",[2563],{"start":2192,"end":2564,"type":1080,"data":2565},33,{"link_type":49,"url":2566,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Frechner\u002Fanlage-duell",{"type":1034,"text":2568,"spans":2569,"direction":1037},"Ein Beispiel:",[],{"type":1034,"text":2571,"spans":2572,"direction":1037},"Ihr aktueller Tagegeldzins beträgt 0,75 Prozent. Wenn Sie stattdessen das beste Festgeldangebot aus der FMH-Datenbank mit fünf Jahren Laufzeit wählen (Stand 25.03.2026) können Sie dafür sofort einen Zins von 3,05 Prozent erhalten. Wer abwartet, ob die Zinsen steigen, muss also darauf spekulieren, dass der Zins fürs fünfjährige Festgeld in nur drei Monaten auf 3,18 Prozent steigt. Bleibt die Rendite unter diesem Wert, war das Warten ein Verlustgeschäft.",[],{"type":1034,"text":2574,"spans":2575,"direction":1037},"Unser Fazit: Ein gutes Festgeld mit drei Jahren Laufzeit ist derzeit eine solide Option. Sparer mit einem längerfristigen Anlagehorizont sollten hingegen sehr genau überlegen, ob festverzinsliche Anlagen wirklich das Richtige sind. In diesem Segment gibt es wesentlich lukrativere Anlageformen – bei überschaubaren Risiken.",[],"text_block$9b020c04-4994-4c80-b5ee-8364f7d2487d","Festgeld-Zinsen: Warum kurze Laufzeiten boomen | FMH","Erfahren Sie, wie Krisen die Zinskurve invertieren und welche Anlagestrategie FMH-Experten jetzt für 2026 empfehlen.",{},{"id":2581,"uid":1531,"url":2582,"type":319,"href":2583,"tags":2584,"first_publication_date":2587,"last_publication_date":2588,"slugs":2589,"linked_documents":2590,"lang":13,"alternate_languages":2591,"data":2592},"aMkuShIAACcA7fBk","\u002Fartikel\u002Fbaufinanzierung-staatliche-leistungen","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMkuShIAACcA7fBk%22%29+%5D%5D",[2585,2586],"vermögenswirksame leistungen","investmendfonds","2025-10-09T10:33:26+0000","2026-01-14T13:44:22+0000",[239],[],[],{"publication_date":239,"last_edit_date":2593,"set_last_edit_date_today":5,"title":2594,"subtitle":2595,"breadcrumb_title":5,"topic":2596,"teaser":2599,"author":2604,"cover":2607,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":2614,"slices":2615,"meta_title":4401,"meta_description":4402,"meta_image":4403,"meta_indexed":1195},"2026-01-13","Staatliche Leistungen","Die FMH-Tabellen zur staatlichen Förderung",{"id":1025,"type":1026,"tags":2597,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2598,"isBroken":45},[],"511bfd3b-5662-4231-87dd-814caa6ec82f",[2600],{"type":1034,"text":2601,"spans":2602,"direction":1037},"Viele Arbeitnehmer wissen nicht, was Vermögenswirksame Leistungen sind, welchen Anspruch sie darauf haben und welche Investitionsmöglichkeiten ihnen zur Verfügung stehen. Obendrein gibt’s auch noch Geld als Wohnungsbauprämie, für Denkmalschutz-Abschreibung, Kindergeld und Riester-Förderung. Deshalb finden Sie an dieser Stelle wichtige Informationen zum Thema – und alle Zahlen auf einen Blick.",[2603],{"start":24,"end":2292,"type":1089},{"id":1779,"type":1040,"tags":2605,"lang":13,"slug":1781,"first_publication_date":1782,"last_publication_date":1783,"uid":1784,"link_type":43,"key":2606,"isBroken":45},[],"92c119a2-bfe1-446d-b666-1df53b872844",{"dimensions":2608,"alt":2594,"copyright":1210,"url":2611,"id":2612,"edit":2613},{"width":2609,"height":2610},225,116,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMkuNmGNHVfTPRJD_33d844fca9ce204a9b3caff50850fd9de34ea4b5-staatliche_foerderungen.jpg?auto=format,compress","aMkuNmGNHVfTPRJD",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2616,2828,3018,3312,3405,4204],{"variation":1065,"version":1066,"items":2617,"primary":2618,"id":2826,"slice_type":2827,"slice_label":5},[],{"title":2619,"textblock":2620,"table":2624,"footnotes":2822,"primary_background":45,"primary_column_background":1195,"primary_row_background":45},"Vermögenswirksame Leistungen – Bausparen",[2621],{"type":1034,"text":2622,"spans":2623,"direction":1037},"Der Staat bietet finanzielle Anreize (Arbeitnehmer-Sparzulage), um den Aufbau von Vermögen in Arbeitnehmerhand zu erreichen. Arbeitnehmer können insgesamt 870 € zulagenbegünstigt anlegen. Dieser Betrag setzt sich zusammen aus 400 € für Beteiligungssparen, insbesondere Aktienfonds, und 470 € für Bausparen.",[],{"head":2625,"body":2657},{"rows":2626},[2627],{"key":2628,"cells":2629},"97ee033e-7fc4-46f6-bd8a-d8c5f76b849a",[2630,2636,2643,2650],{"key":2631,"type":2632,"content":2633},"37691654-1689-403c-9722-d66844d30916","header",[2634],{"type":1034,"text":1176,"spans":2635,"direction":1037},[],{"key":2637,"type":2632,"content":2638},"7c06460b-982b-45f5-b7b0-76883b5de061",[2639],{"type":1034,"text":2640,"spans":2641,"direction":1037},"2004 - 2020",[2642],{"start":24,"end":2178,"type":1089},{"key":2644,"type":2632,"content":2645},"0d8bad98-38d0-4cf5-ac82-ec1125dfeeb8",[2646],{"type":1034,"text":2647,"spans":2648,"direction":1037},"2021 - 2023",[2649],{"start":24,"end":2178,"type":1089},{"key":2651,"type":2632,"content":2652},"c15a9a3a-907f-4387-874b-c1a74a566409",[2653],{"type":1034,"text":2654,"spans":2655,"direction":1037},"ab 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Die Zulage wird im Rahmen der persönlichen Einkommenssteuererklärung jährlich beantragt.\nQuelle: FMH-Finanzberatung",[],"table$93cce178-259c-4a8e-956c-5545b5f2bd46","table",{"variation":1065,"version":1066,"items":2829,"primary":2830,"id":3017,"slice_type":2827,"slice_label":5},[],{"title":2831,"textblock":2832,"table":2837,"footnotes":3014,"primary_background":45,"primary_column_background":1195,"primary_row_background":45},"Vermögenswirksame Leistungen – Beteiligungssparen",[2833],{"type":1034,"text":2834,"spans":2835,"direction":1037},"Investmendfonds, betriebliche Beteiligung\nDer Arbeitnehmer hat die Möglichkeit, 400 € zulagenbegünstigt im Unternehmen des Arbeitgebers (betriebliche Beteiligung), in deutsche oder ausländische Wertpapier, Sondervermögen, Dachfonds oder gemischte Wertpapier- und Grundstücks-Investmentfonds (mit der Voraussetzung, das der Aktienanteil jeweils mindestens 60 % beträgt) zu 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erklärt.",{"dimensions":4404,"alt":2594,"copyright":1210,"url":4405,"id":2612,"edit":4406},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMkuNmGNHVfTPRJD_33d844fca9ce204a9b3caff50850fd9de34ea4b5-staatliche_foerderungen.jpg?auto=format%2Ccompress&rect=0%2C0%2C221%2C116&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":853,"uid":858,"url":859,"type":319,"href":4408,"tags":4409,"first_publication_date":856,"last_publication_date":857,"slugs":4410,"linked_documents":4411,"lang":13,"alternate_languages":4412,"data":4413},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22abF2fxIAACoA47Cz%22%29+%5D%5D",[],[855],[],[],{"publication_date":4414,"last_edit_date":4414,"set_last_edit_date_today":45,"title":861,"subtitle":4415,"breadcrumb_title":5,"topic":4416,"teaser":4419,"author":4423,"cover":4426,"cover_position":1056,"table_of_content":1927,"toc_calculator":1058,"toc_selection":1564,"carousel_topic_filter":4433,"slices":4434,"meta_title":4513,"meta_description":4514,"meta_image":4515,"meta_indexed":1195},"2026-03-11","Neukunden könnten bald wieder vier Prozent Zinsen aufs Tagesgeld erhalten",{"id":1025,"type":1026,"tags":4417,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4418,"isBroken":45},[],"96481356-9880-4646-a4a5-38679ab23759",[4420],{"type":1034,"text":4421,"spans":4422,"direction":1037},"Krisen beeinflussen immer auch die Wirtschaft – und im Gefolge die Geldpolitik der EZB. Das hat direkte Auswirkungen auf die Zinsen. Sparer können, mit etwas Engagement, schon heute wieder erfreulich hohe Tagesgeldzinsen einstreichen.",[],{"id":1999,"type":1040,"tags":4424,"lang":13,"slug":2001,"first_publication_date":2002,"last_publication_date":2003,"uid":2001,"link_type":43,"key":4425,"isBroken":45},[],"fa6d3bc1-42ff-4b2b-8c98-0d6a606c60af",{"dimensions":4427,"alt":4428,"copyright":4429,"url":4430,"id":4431,"edit":4432},{"width":1558,"height":1518},"Mehrere Ölbohrungen an der Küste","zhengzaishuru, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FabF7_lxvIZEnjkyJ_Oel_bohrungen_konflikt.jpg?auto=format,compress","abF7_lxvIZEnjkyJ",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4435,4501],{"variation":1065,"version":1066,"items":4436,"primary":4437,"id":4500,"slice_type":1186,"slice_label":5},[],{"text":4438,"chart_alt":5},[4439,4442,4445,4448,4451,4454,4457,4464,4467,4470,4473,4476,4479,4482,4485,4488,4498],{"type":1034,"text":4440,"spans":4441,"direction":1037},"Die Konflikte im Mittleren Osten und der Krieg im Iran haben den Ölpreis dramatisch in die Höhe getrieben. Man muss kein Prophet sein, um zu weissagen, dass damit auch die Inflationsrate wieder deutlich steigen wird.  Vor diesen Hintergrund stellt sich die Frage, wie die Europäische Zentralbank (EZB) auf diese Entwicklung reagieren wird – und wie schnell.",[],{"type":1034,"text":4443,"spans":4444,"direction":1037},"Grundsätzlich haben die Währungshüter die Aufgabe, die Preisstabilität in der Eurozone zu sichern. Sollte die Inflation also tatsächlich wieder steigen, wäre die logische Konsequenz, dass die EZB die Leitzinsen erhöht. ",[],{"type":1034,"text":4446,"spans":4447,"direction":1037},"Die Folgen: Höhere Leitzinsen führen zu höheren Kreditzinsen und die Verbraucher sind daher gezwungen, ihr Geld zusammenzuhalten. Die EZB würde aber nicht nur Hauptrefinanzierungszinssatz erhöhen, sondern auch den Einlagenzins. Das sind jene Zinsen, die die Banken erhalten, wenn sie Kundengelder bei der EZB kurzfristig parken. ",[],{"type":1034,"text":4449,"spans":4450,"direction":1037},"Aktuell liegt dieser Wert bei zwei Prozent.  Wenn eine Bank ihren Kunden also 0,5 Prozent Zinsen fürs Tagesgeld bezahlt, bekommt sie von der EZB zwei Prozent gutgeschrieben, macht sie 1,5 Prozent Gewinn. Bei einem Anlagebetrag von 50.000 Euro sind das innerhalb von drei Monaten 187,50 Euro.",[],{"type":1644,"text":4452,"spans":4453,"direction":1037},"Investitionen in neue Kunden lohnen sich meist – vor allem für die Banken",[],{"type":1034,"text":4455,"spans":4456,"direction":1037},"Allerdings verfolgen etliche Banken dieser Tage – zumindest bei Neukunden – eine andere Strategie und bezahlen ihnen nicht niedrigere, sondern höhere Zinsen als den Einlagenzins der EZB. ",[],{"type":1034,"text":4458,"spans":4459,"direction":1037},"Würde unser Beispielskunde also die Bank wechseln und bei dem neuen Anbieter ebenfalls 50.000 Euro Tagesgeld anlegen, ergäbe sich folgendes Bild. Im Aktionszeitraum von drei Monaten könnte unser Kunde beim derzeit besten Aktionszins von 3,4 Prozent stolze 425 Euro Zinsen erwirtschaften. ",[4460],{"start":4461,"end":2425,"type":1080,"data":4462},206,{"id":106,"type":107,"tags":4463,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1034,"text":4465,"spans":4466,"direction":1037},"Die Rechnung für die Bank sieht auf den ersten Blick weniger gut aus: Der neue Kunde bekommt 3,4 Prozent; die EZB zahlt aber nur zwei Prozent. Das ergibt eine Differenz von 1,4 Prozent und damit 175 Euro „Verlust“ für die Bank (bei drei Monaten Zinsgarantie). Gemildert wird dieser Verlust zwar durch die Tatsache, dass die Bank das Kundengeld auch für Kreditvergaben nutzen und damit Geld verdienen kann.  Dennoch ist das Engagement für Neukunden bemerkenswert, denn die EZB ist absolut sicher und macht im Vergleich zum klassischen Kreditgeschäft wenig Arbeit. ",[],{"type":1034,"text":4468,"spans":4469,"direction":1037},"Noch bemerkenswerter ist es, dass die Zahl der Banken, die sich für neue Kunden derartig ins Zeug legen, gerade weiter steigt.",[],{"type":1644,"text":4471,"spans":4472,"direction":1037},"Konsequentes Tagesgeld-Hopping als Rendite-Treiber",[],{"type":1034,"text":4474,"spans":4475,"direction":1037},"Zwar haben in den vergangenen Wochen drei Banken unter den 41 TOP-Anbietern der FMH-Datenbank ihre Zinsen gesenkt (insgesamt enthält die Datenbank 121 Institute). Im selben Zeitraum habe aber vier der TOP-Banken ihre Zinsen für Neukunden deutlich angehoben. Und dass obwohl sie schon vor diesem Schritt mehr als die zwei Prozent der EZB gezahlt haben. Über die Gründe für diese – sicher nicht ganz selbstlose – Großzügigkeit lässt sich derzeit nur spekulieren.",[],{"type":1034,"text":4477,"spans":4478,"direction":1037},"Denkbar ist zum einen, dass die Institute sich deshalb so sehr für das Neukundengeschäft einsetzen, weil sie davon ausgehen, dass die meisten Sparer nach dem Ende des Aktionszeitraums erst einmal bleiben – und sich das investierte Geld auf diese Weise schnell wieder hereinholen lässt.  ",[],{"type":1034,"text":4480,"spans":4481,"direction":1037},"Ebenfalls möglich ist es, dass die Banken die Neukunden auch als Giro- und Depotbank-Kunden gewinnen wollen, weil mit dem Aktionszins oft auch die Eröffnung eines Giro- oder Depotkontos verbunden ist.",[],{"type":1034,"text":4483,"spans":4484,"direction":1037},"Ob diese Rechnungen aufgehen, entscheidet am Ende aber der Kunde. Wer bereit ist, für die jeweils besten Angebote konstant die Bank zu wechseln, kann derzeit massiv von den immer neuen Offerten immer neuer Tagesgeldanbieter profitieren und sich für seine (immer neuen) Tagesgeldanlagen hervorragende Zinsen sichern.",[],{"type":1071,"text":4486,"spans":4487,"direction":1037},"Vier Prozent aufs Tagesgeld sind realistisch",[],{"type":1034,"text":4489,"spans":4490,"direction":1037},"Ich gehe davon aus, dass viele Banken sogar schon bald noch höhere Aktionszinsen für Neukunden auflegen werden. Denn je länger der Krieg im Iran dauert und je teurer das Öl wird, desto wahrscheinlicher wird auch eine Leitzinserhöhung der EZB. Ein Zinssatz von vier Prozent fürs Tagesgeld ist dann – zumindest für Neukunden – durchaus möglich. Für die große Masse der Bestandskunden wird sich hingegen kaum etwas ändern.",[4491],{"start":4492,"end":4493,"type":1080,"data":4494},243,287,{"id":4495,"type":4496,"tags":4497,"lang":5,"slug":1058,"first_publication_date":5,"last_publication_date":5,"link_type":43,"isBroken":1195},"aQSp8BAAACEAh0w-","broken_type",[],{"type":1034,"text":1176,"spans":4499,"direction":1037},[],"text_block$49397114-e93f-4345-98cf-462498f85a8c",{"variation":1065,"version":1066,"items":4502,"primary":4503,"id":4511,"slice_type":4512,"slice_label":5},[],{"image":4504,"image_url":5,"caption":4510},{"dimensions":4505,"alt":4506,"copyright":1210,"url":4507,"id":4508,"edit":4509},{"width":1558,"height":1518},"Entwicklung der Tagesgeldangebote","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FabGHFFxvIZEnjk8d_EntwicklungTagesgeld20260311.jpg?auto=format,compress","abGHFFxvIZEnjk8d",{"x":24,"y":24,"zoom":25,"background":26},[],"image$1e054c3d-74d2-4644-a92a-287bf72d1206","image","Politik und Tagesgeldzinsen: Bald bis zu 4 % für Neukunden?","Lesen Sie, welchen Einfluss Politik und EZB haben und worauf Sparer jetzt achten sollten.",{"dimensions":4516,"alt":4428,"copyright":4429,"url":4517,"id":4431,"edit":4518},{"width":1191,"height":1192},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FabF7_lxvIZEnjkyJ_Oel_bohrungen_konflikt.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2071,"zoom":25,"background":26}]