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Bewertet wurden die Zinsen für Laufzeiten von 1, 2 und 3 Jahren sowie die jeweilige Mindestanlagesumme.",[1647,1651,1656],{"start":1173,"end":1648,"type":1033,"data":1649},24,{"link_type":49,"url":1650,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-festgeldzinsen-ntv",{"start":1652,"end":1653,"type":1033,"data":1654},67,70,{"link_type":49,"url":1655,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDas-sind-jetzt-die-besten-Festgeldangebote-article26040304.html",{"start":1652,"end":1653,"type":1151},{"type":1069,"text":1658,"spans":1659,"direction":1036},"Beste Festgeldanbieter mit gesetzlicher Einlagensicherung",[],{"type":1027,"text":1661,"spans":1662,"direction":1036},"Im Bereich der gesetzlichen Absicherung überzeugten die Klarna, Wüstenrot Bausparkasse, J&T Direktbank und der Vermittler Raisin (bestes Angebot aus 27 Banken). Alle vier erhielten die Note „sehr gut“. Diese Anbieter punkten mit attraktiven Zinsen, klaren Konditionen und hoher Transparenz. ",[1663,1666,1668,1671,1674],{"start":1664,"end":1665,"type":1151},56,62,{"start":1191,"end":1667,"type":1151},86,{"start":1669,"end":1670,"type":1151},88,102,{"start":1672,"end":1673,"type":1151},122,128,{"start":1675,"end":1676,"type":1151},190,200,{"type":1069,"text":1678,"spans":1679,"direction":1036},"Beste Festgeldanbieter mit erweiterter Einlagensicherung",[],{"type":1027,"text":1681,"spans":1682,"direction":1036},"Auch unter den deutschen Banken mit zusätzlichem Schutz erreichten mehrere Institute Bestnoten:\nIKB Deutsche Industriebank, Volkswagen Bank, Hanseatic Bank, Bank11 und GRENKE Bank. Durch die erweiterte Einlagensicherung bieten sie ihren Kunden ein deutlich höheres Sicherheitsniveau – teilweise weit über die gesetzliche Grenze von 100.000 Euro hinaus.",[1683,1685,1688,1691,1694],{"start":1684,"end":1672,"type":1151},96,{"start":1686,"end":1687,"type":1151},124,139,{"start":1689,"end":1690,"type":1151},141,155,{"start":1692,"end":1693,"type":1151},157,163,{"start":1695,"end":1696,"type":1151},168,179,{"type":1069,"text":1698,"spans":1699,"direction":1036},"Strategisch anlegen: Laufzeiten clever kombinieren",[],{"type":1027,"text":1701,"spans":1702,"direction":1036},"Wer sein Geld nicht komplett an eine Laufzeit bindet, bleibt flexibler und kann Zinschancen besser nutzen. Diese sogenannte Treppenstrategie (Laddering) verteilt das Kapital auf verschiedene Laufzeiten und schafft damit einen ausgewogenen Renditemix.",[],{"type":1027,"text":1704,"spans":1705,"direction":1036},"Auch ohne mehrere Konten bei unterschiedlichen Banken zu eröffnen, lässt sich mit einem Top-Anbieter aus dem Ranking ein attraktiver Zinsmix erzielen. Gerade in Zeiten schwankender Zinsen sorgt diese Strategie für Stabilität und regelmäßige Verfügbarkeit eines Teils des Guthabens.",[1706],{"start":1669,"end":1707,"type":1033,"data":1708},100,{"id":119,"type":107,"tags":1709,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],{"type":1069,"text":1711,"spans":1712,"direction":1036},"Einlagensicherung und Auszahlung beachten",[],{"type":1027,"text":1714,"spans":1715,"direction":1036},"Beim Festgeld zählt nicht nur der Zins. Ebenso wichtig ist, was am Ende der Laufzeit passiert:\nEinige Banken verlängern automatisch zu den dann gültigen Konditionen, oft für denselben Zeitraum. Wer das vermeiden möchte, sollte gleich nach der Anlage mitteilen, dass keine automatische Wiederanlage gewünscht ist.",[],{"type":1027,"text":1717,"spans":1718,"direction":1036},"Auch die Anlagesumme verdient Aufmerksamkeit:",[],{"type":1093,"text":1720,"spans":1721,"direction":1036},"Bis 100.000 Euro sind Einlagen EU-weit gesetzlich abgesichert.",[1722],{"start":1246,"end":1723,"type":1151},16,{"type":1093,"text":1725,"spans":1726,"direction":1036},"Wer mehr Kapital anlegt, sollte auf eine Bank mit erweiterter deutscher Einlagensicherung setzen.",[1727],{"start":1728,"end":1729,"type":1151},49,89,{"type":1069,"text":1731,"spans":1732,"direction":1036},"Fazit: Attraktive Zinsen bei sicherem Rahmen",[],{"type":1027,"text":1734,"spans":1735,"direction":1036},"Die FMH-Auswertung für ntv zeigt: Festgeld bleibt 2025 eine sichere und rentable Anlageform.\nBesonders die Kombination aus verlässlicher Einlagensicherung und stabilen Zinsen macht Festgeld zur idealen Option für sicherheitsorientierte Anleger.",[1736],{"start":1246,"end":1737,"type":1033,"data":1738},26,{"link_type":49,"url":1650,"target":52},{"type":1027,"text":1079,"spans":1740,"direction":1036},[],{"type":1027,"text":1742,"spans":1743,"direction":1036},"Der FMH-Festgeldvergleich bietet einen transparenten Überblick über die besten Angebote und hilft, das passende Konto zu finden - unabhängig, aktuell und objektiv.",[1744],{"start":1246,"end":1745,"type":1033,"data":1746},25,{"id":119,"type":107,"tags":1747,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],"text_block$a3c33485-f140-4fdd-a6ac-a3f3080d0113","Festgeld im Vergleich: Die besten Angebote | FMH","Festgeld-Angebote 2025 im FMH-Vergleich für ntv: attraktive Zinsen, Einlagensicherung und transparente Bewertungen. Jetzt informieren.",{"dimensions":1752,"alt":1626,"copyright":5,"url":1755,"id":1628,"edit":1756},{"width":1753,"height":1754},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaPn1x7pReVYa3mFe_frau-mit-korallenem-pullover.png?auto=format,compress&rect=0,128,1800,945&w=2400&h=1260",{"x":24,"y":1673,"zoom":25,"background":26},{"id":1758,"uid":1589,"url":1759,"type":319,"href":1760,"tags":1761,"first_publication_date":1762,"last_publication_date":1763,"slugs":1764,"linked_documents":1766,"lang":13,"alternate_languages":1767,"data":1768},"aMLyTBEAACIAioq1","\u002Fartikel\u002Fdie-besten-depots-mit-wertpapierkrediten-2024-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyTBEAACIAioq1%22%29+%5D%5D",[366,145],"2025-11-05T13:58:19+0000","2026-10-16T09:28:18+0000",[1765],"schlusselaspekte-eines-wertpapierkredits-die-sie-kennen-sollten",[],[],{"publication_date":1769,"last_edit_date":1769,"set_last_edit_date_today":45,"title":1770,"subtitle":1771,"breadcrumb_title":5,"topic":1772,"teaser":1775,"author":1779,"cover":1786,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":1793,"slices":1796,"meta_title":1837,"meta_description":1838,"meta_image":1839,"meta_indexed":1258},"2024-10-23","Die besten Depots mit Wertpapierkrediten 2024","Wertpapierkredite auf dem Prüfstand: Welches Depot bietet die besten Konditionen?",{"id":1018,"type":1019,"tags":1773,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":1774,"isBroken":45},[],"f4bdba4d-91aa-4ff2-bc98-0d0f2e140193",[1776],{"type":1027,"text":1777,"spans":1778,"direction":1036},"Besitzer eines umfangreichen Depots, die entweder kurzfristig Aktien hinzukaufen oder finanzielle Engpässe überbrücken möchten, haben zwei Möglichkeiten: Sie können ihre Wertpapiere – wie Aktien, Fonds oder ETFs – ganz oder teilweise verkaufen, oder sie entscheiden sich für einen Wertpapierkredit. Wer diese Option als gute Alternative in Betracht zieht, sollte schon bei der Wahl des passenden Depots darauf achten, dass der Depotanbieter günstige Bedingungen beim Wertpapierkredit bietet.",[],{"id":1780,"type":1039,"tags":1781,"lang":13,"slug":1782,"first_publication_date":1783,"last_publication_date":1784,"uid":1782,"link_type":43,"key":1785,"isBroken":45},"aQtX9hEAACMAT9iA",[],"beate-balke","2025-11-05T14:00:14+0000","2025-11-05T14:04:23+0000","ee89c728-6351-4aee-be50-5a6819c0e5ee",{"dimensions":1787,"alt":1789,"copyright":1273,"url":1790,"id":1791,"edit":1792},{"width":1625,"height":1788},800,"Frau überlegt vor dem Laptop","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl4WGNHVfTPDhV_0b9c68a2bfa448a3204fb527315f4950d0b1772e-Frau-ueberlegt-bruenette.jpg?auto=format,compress","aMLl4WGNHVfTPDhV",{"x":24,"y":24,"zoom":25,"background":26},{"id":1018,"type":1019,"tags":1794,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":1795,"isBroken":45},[],"7fde8476-4432-4790-b836-dad82ae353b4",[1797],{"variation":1063,"version":1064,"items":1798,"primary":1799,"id":1836,"slice_type":1254,"slice_label":5},[],{"text":1800,"chart_alt":5},[1801,1804,1807,1810,1813,1820,1823,1826,1829],{"type":1069,"text":1802,"spans":1803,"direction":1036},"Schlüsselaspekte eines Wertpapierkredits, die Sie kennen sollten",[],{"type":1027,"text":1805,"spans":1806,"direction":1036},"Ein zentraler Faktor bei der Auswahl eines Wertpapierkredits ist, wie bei jedem Darlehen, der effektive Jahreszins. Dieser sollte möglichst niedrig ausfallen. Darüber hinaus spielt das verfügbare Kreditvolumen eine entscheidende Rolle, das sich nach der Beleihbarkeit der im Depot enthaltenen Wertpapiere richtet. Aufgrund der Schwankungen an den Börsen sehen Banken und Broker nicht den gesamten Depotwert als Sicherheit an – die Beleihungssätze variieren je nach Anbieter und Art der Wertpapiere.",[],{"type":1027,"text":1808,"spans":1809,"direction":1036},"Überraschend ist, dass einige Banken Wertpapierkredite immer noch der Schufa melden. Ein solcher Eintrag ist eigentlich unnötig, weil die Sicherheit durch die hinterlegten Wertpapiere ausreichend gegeben ist.",[],{"type":1142,"text":1811,"spans":1812,"direction":1036},"Wo finde ich kostengünstige Depots mit einer Option auf Wertpapierkredite?",[],{"type":1027,"text":1814,"spans":1815,"direction":1036},"Um Anlegern die Entscheidung zu erleichtern, hat ntv die FMH-Finanzberatung damit beauftragt, die besten Depots in Verbindung mit Wertpapierkrediten zu analysieren. Die Erhebung der Daten gestaltete sich jedoch schwieriger als erwartet, da viele Anbieter wenig Transparenz zeigen und keine konkreten Informationen zu Zinssätzen oder Konditionen geben wollten.",[1816],{"start":1728,"end":1817,"type":1033,"data":1818},52,{"link_type":49,"url":1819,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDie-besten-Depots-mit-Angebot-fuer-Wertpapierkredite-article25289261.html",{"type":1027,"text":1821,"spans":1822,"direction":1036},"In die Auswertung flossen neben den Kreditbedingungen vor allem die Depot- und Transaktionsgebühren mit ein, da diese die Gesamtkosten erheblich beeinflussen.",[],{"type":1069,"text":1824,"spans":1825,"direction":1036},"Top-Auswahl für Wertpapierkredite: Diese Depotbanken überzeugen!",[],{"type":1027,"text":1827,"spans":1828,"direction":1036},"Online-Broker schneiden in der Regel besser ab als die Depots von Direkt- oder Filialbanken. Die Depots von finanzen.net zero, Smartbroker+, Scalable Capital, flatex, S Broker und maxblue der Deutschen Bank wurden mit „sehr gut“ bewertet.",[],{"type":1027,"text":1830,"spans":1831,"direction":1036},"Benötigen Sie Unterstützung bei der Suche nach einem passenden Depot? In unserem Depot-Vergleich werden Sie sicher fündig.",[1832],{"start":1833,"end":1684,"type":1033,"data":1834},81,{"id":141,"type":107,"tags":1835,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$66aa643b-875e-4dc5-a46a-cabf41978f69","Wertpapierkredite 2024: Konditionen im Vergleich | FMH","Das passende Depot finden und günstige Wertpapierkredite vergleichen: Erfahren Sie, welche Kriterien bei der Auswahl entscheidend sind.",{"dimensions":1840,"alt":1789,"copyright":1273,"url":1841,"id":1791,"edit":1842},{"width":1753,"height":1754},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl4WGNHVfTPDhV_0b9c68a2bfa448a3204fb527315f4950d0b1772e-Frau-ueberlegt-bruenette.jpg?auto=format%2Ccompress&rect=0%2C0%2C1200%2C630&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1844,"uid":1590,"url":1845,"type":319,"href":1846,"tags":1847,"first_publication_date":1848,"last_publication_date":1849,"slugs":1850,"linked_documents":1852,"lang":13,"alternate_languages":1853,"data":1854},"aMLyLhEAACEAiop5","\u002Fartikel\u002Fdie-besten-tagesgeldzinsen-fuer-neukunden-2024-05","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyLhEAACEAiop5%22%29+%5D%5D",[366,113],"2025-11-05T15:12:25+0000","2026-07-24T09:06:34+0000",[1851],"sind-sie-auf-der-suche-nach-einem-attraktiven-tagesgeldkonto",[],[],{"publication_date":1855,"last_edit_date":1855,"set_last_edit_date_today":45,"title":1856,"subtitle":1857,"breadcrumb_title":5,"topic":1858,"teaser":1861,"author":1865,"cover":1868,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":1875,"slices":1876,"meta_title":1919,"meta_description":1920,"meta_image":1921,"meta_indexed":1258},"2024-05-26","Die besten Tagesgeldzinsen für Neukunden 2024","Schnell noch die hohen Zinsen sichern!",{"id":1018,"type":1019,"tags":1859,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":1860,"isBroken":45},[],"abbd8252-ea35-4553-88e7-7ddcca9e4a72",[1862],{"type":1027,"text":1863,"spans":1864,"direction":1036},"Suchen Sie ein attraktives Tagesgeldkonto? Trotz sinkender Zinsen ist es wichtig, die besten Angebote zu finden – besonders bei Banken mit unterschiedlichen Einlagensicherungen.",[],{"id":1038,"type":1039,"tags":1866,"lang":13,"slug":1041,"first_publication_date":1042,"last_publication_date":1043,"uid":1041,"link_type":43,"key":1867,"isBroken":45},[],"effb48bd-6994-42bb-a0fa-eed3652a83f1",{"dimensions":1869,"alt":1871,"copyright":1273,"url":1872,"id":1873,"edit":1874},{"width":1048,"height":1870},667,"Frau beeilt sich","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmO2GNHVfTPDie_2cc3c0b6ad5ab5f3e77629a9924c21363e74ed0f-jetzt-aber-schnell.jpg?auto=format,compress","aMLmO2GNHVfTPDie",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[1877],{"variation":1063,"version":1064,"items":1878,"primary":1879,"id":1918,"slice_type":1254,"slice_label":5},[],{"text":1880,"chart_alt":5},[1881,1884,1888,1896,1899,1902,1905,1908,1911],{"type":1069,"text":1882,"spans":1883,"direction":1036},"Sind Sie auf der Suche nach einem attraktiven Tagesgeldkonto?",[],{"type":1885,"text":1886,"spans":1887,"direction":1036},"heading4","Gute Zinsen sind wichtig, aber es gibt noch mehr zu beachten.",[],{"type":1027,"text":1889,"spans":1890,"direction":1036},"Aktuell könnte man meinen, die Zeiten der hohen Zinsen sind vorbei. Die Europäische Zentralbank (EZB) denkt über Zinssenkungen nach, und einige Banken haben ihre Zinsen bereits gesenkt. Deshalb ist es jetzt besonders wichtig, genau hinzuschauen, wenn Sie ein Tagesgeldkonto eröffnen möchten. Viele Banken bieten nach wie vor tolle Zinsen für Neukunden, aber die Laufzeit dieser Angebote variiert stark.\nDie FMH-Finanzberatung hat für ntv die besten aktuellen Tagesgeldangebote für Neukunden untersucht. Dabei wurde zwischen Banken, die eine erweiterte deutsche Einlagensicherung bieten, und solchen, die nur die gesetzliche Mindestabsicherung von 100.000 Euro gewährleisten unterschieden.",[1891],{"start":1892,"end":1893,"type":1033,"data":1894},434,437,{"link_type":49,"url":1895,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FHier-gibt-es-jetzt-die-besten-Tagesgeldzinsen-article24956093.html",{"type":1027,"text":1897,"spans":1898,"direction":1036},"Für Anleger mit höheren Summen ist die Einlagensicherung besonders relevant. Deutsche Banken, die bis zu fünf Millionen Euro absichern, bieten zwar oft niedrigere Zinsen, aber die zusätzliche Sicherheit kann für viele Kunden entscheidend sein. Dies hat die FMH-Finanzberatung in der Auswertung berücksichtigt.",[],{"type":1142,"text":1900,"spans":1901,"direction":1036},"Spitzenreiter bei der gesetzlichen Einlagensicherung",[],{"type":1027,"text":1903,"spans":1904,"direction":1036},"Bei den Banken mit gesetzlicher Einlagensicherung bis 100.000 Euro schnitten folgende fünf Anbieter besonders gut ab, und wurden mit einem „sehr gut“ bewertet: Bigbank, Suresse Direkt Bank, Credit Europe Bank, Openbank und Trade Republic. In der Analyse wurden nur Anbieter mit Zinsgarantien oder Zinssätzen über drei Prozent berücksichtigt.",[],{"type":1142,"text":1906,"spans":1907,"direction":1036},"Top-Banken mit erweiterter Einlagensicherung",[],{"type":1027,"text":1909,"spans":1910,"direction":1036},"Unter den Banken mit erweiterter deutscher Einlagensicherung fanden sich folgende Spitzenreiter. Ein „sehr gut“ bekamen die Santander, Consorsbank, Volkswagen Financial Services, BBBank eG, Raiffeisenbank im Hochtaunus und Bank 11. Auch wenn die Zinsen hier etwas niedriger sind, bieten sie für größere Summen eine zusätzliche Sicherheit.",[],{"type":1027,"text":1912,"spans":1913,"direction":1036},"Sie suchen weitergehende Infos? Nutzen Sie unseren Tagesgeld-Vergleich, um die besten Tagesgeld Angebote zu finden.",[1914],{"start":1915,"end":1653,"type":1033,"data":1916},51,{"id":106,"type":107,"tags":1917,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],"text_block$4baf730b-964f-45c5-8994-7d741abef982","Testsieger beim Tagesgeld für Neukunden 2024 | FMH","Die besten Tagesgeldzinsen für Neukunden 2024 im Überblick: Angebote, Zinsgarantien und Einlagensicherung vergleichen.",{"dimensions":1922,"alt":1871,"copyright":1273,"url":1923,"id":1873,"edit":1924},{"width":1753,"height":1754},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmO2GNHVfTPDie_2cc3c0b6ad5ab5f3e77629a9924c21363e74ed0f-jetzt-aber-schnell.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1926,"uid":1592,"url":1927,"type":319,"href":1928,"tags":1929,"first_publication_date":1930,"last_publication_date":1931,"slugs":1932,"linked_documents":1934,"lang":13,"alternate_languages":1935,"data":1936},"aQDilhIAACYAHQs_","\u002Fartikel\u002Fdie-besten-tagesgeldangebote-2025-08","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQDilhIAACYAHQs_%22%29+%5D%5D",[366,113],"2025-10-28T15:37:35+0000","2026-10-16T09:30:56+0000",[1933],"was-ist-zinshopping-uberhaupt",[],[],{"publication_date":1937,"last_edit_date":1609,"set_last_edit_date_today":45,"title":1938,"subtitle":1939,"breadcrumb_title":5,"topic":1940,"teaser":1943,"author":1947,"cover":1950,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1632,"carousel_topic_filter":1956,"slices":1959,"meta_title":2054,"meta_description":2055,"meta_image":2056,"meta_indexed":1258},"2025-08-13","Die besten Tagesgeldangebote 2025","Die Wahl, die sich jetzt auszahlt: So kassieren Sie die besten Tagesgeldzinsen",{"id":1018,"type":1019,"tags":1941,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":1942,"isBroken":45},[],"51c13b03-2948-4b36-8453-0501bfa98525",[1944],{"type":1027,"text":1945,"spans":1946,"direction":1036},"Die EZB hat in den vergangenen Monaten den Leitzins mehrfach gesenkt und mit ihm rutschen auch die besten Tagesgeldangebote. Für Sparer heißt das: Die Top-Konditionen gehen nach unten, und das Tempo des Zinshopping muss sich ändern. Die zentrale Frage: Lohnt sich die Jagd nach den besten Neukundenangeboten noch oder ist man mit einer längeren Zinsgarantie aktuell besser bedient?",[],{"id":1038,"type":1039,"tags":1948,"lang":13,"slug":1041,"first_publication_date":1042,"last_publication_date":1043,"uid":1041,"link_type":43,"key":1949,"isBroken":45},[],"3ed4b136-187d-45b6-bf7a-28f6f4816ec5",{"dimensions":1951,"alt":1952,"copyright":1273,"url":1953,"id":1954,"edit":1955},{"width":1625,"height":1788},"Person muss sich zwischen drei Türen entscheiden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLlkGGNHVfTPDgJ_3102a988d2b1de43ceba285b0bfd09e5351260df-Mann-steht-vor-Entscheidung.jpg?auto=format,compress","aMLlkGGNHVfTPDgJ",{"x":24,"y":24,"zoom":25,"background":26},{"id":1018,"type":1019,"tags":1957,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":1958,"isBroken":45},[],"85697b94-0586-41d6-a2af-37587c3dea86",[1960],{"variation":1063,"version":1064,"items":1961,"primary":1962,"id":2053,"slice_type":1254,"slice_label":5},[],{"text":1963,"chart_alt":5},[1964,1972,1975,1978,1981,1989,1992,1995,1998,2001,2004,2007,2026,2044],{"type":1027,"text":1965,"spans":1966,"direction":1036},"Eine aktuelle Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt, welche Tagesgeldangebote 2025 am meisten bringen, und wann sich ein Wechsel lohnt.",[1967],{"start":1968,"end":1969,"type":1033,"data":1970},63,79,{"link_type":49,"url":1971,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Ftagesgeld-die-besten-tagesgeld-angebote-fuer-zinsjaeger\u002F100147914.html",{"type":1069,"text":1973,"spans":1974,"direction":1036},"Was ist Zinshopping überhaupt?",[],{"type":1027,"text":1976,"spans":1977,"direction":1036},"Zinshopping bedeutet, dass man sein Erspartes regelmäßig zu der Bank bringt, die gerade den besten Tagesgeldzins bietet. Klingt nach viel Arbeit, ist aber im Prinzip wie Schnäppchenjagen im Supermarkt, nur eben mit Zinsen. Viele Banken locken Neukunden mit besonders hohen Zinsen, die allerdings oft nur für einen begrenzten Zeitraum gelten, etwa drei, vier oder sechs Monate. Danach fällt der Zins meist deutlich ab. Wer dann nicht reagiert, lässt bares Geld liegen. Beim Zinshopping nutzt man diese Willkommensangebote gezielt aus: Ist der Bonuszeitraum vorbei, zieht man weiter zur nächsten Bank mit Top-Konditionen. Das kann sich lohnen, vor allem in Phasen, in denen die Zinsen insgesamt hoch oder stabil sind.",[],{"type":1069,"text":1979,"spans":1980,"direction":1036},"Zinshopping bei sinkenden EZB-Leitzinsen",[],{"type":1027,"text":1982,"spans":1983,"direction":1036},"Eine FMH-Analyse der besten Angebote pro Monat von Juli 2024 bis Juni 2025:",[1984],{"start":1985,"end":1986,"type":1033,"data":1987},5,36,{"link_type":49,"url":1988,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-tagesgeldangebote-wirtschaftswoche",{"type":1027,"text":1990,"spans":1991,"direction":1036},"Ein Wechsel zu dem besten Tagesgeldanbieter,",[],{"type":1093,"text":1993,"spans":1994,"direction":1036},"alle 3 Monate: ca. 362,50 €",[],{"type":1093,"text":1996,"spans":1997,"direction":1036},"alle 6 Monate: ca. 335,00 €",[],{"type":1093,"text":1999,"spans":2000,"direction":1036},"nur einmal im Jahr: ca. 375,00 €\nRendite (ohne Zinseszins).",[],{"type":1027,"text":2002,"spans":2003,"direction":1036},"Das Ergebnis überrascht: In einem fallenden Zinsumfeld erweist sich ein langfristiges 12-Monats-Angebot mit attraktivem Festzins oft als die bessere Wahl. Wer sich diesen Zinssatz rechtzeitig gesichert hat, konnte eine höhere Rendite erzielen, als wenn er fortlaufend in leicht sinkende Neukundenangebote gewechselt wäre oder darauf spekuliert hätte, dass ein Anbieter doch noch ein besonders attraktives Neukundenangebot unterbreitet. Ausnahmen bestätigen jedoch die Regel: So hat die Volkswagen Bank ihre Tagesgeldzinsen für Neukunden erst vor Kurzem angehoben.",[],{"type":1069,"text":2005,"spans":2006,"direction":1036},"Die besten Tagesgeldanbieter 2025",[],{"type":1027,"text":2008,"spans":2009,"direction":1036},"Unter den Anbietern mit gesetzlicher Einlagensicherung konnten sich besonders die Suresse Direkt Bank, die Bigbank, die Openbank, die TF Bank, die OPEL Direktbank sowie die Renault Bank direkt mit sehr guten Konditionen durchsetzen. Diese Institute bieten derzeit allerdings meist nur kurze Zinsgarantien von etwa drei bis vier Monaten.",[2010,2013,2016,2018,2020,2023],{"start":2011,"end":2012,"type":1151},82,101,{"start":2014,"end":2015,"type":1151},107,114,{"start":2017,"end":1673,"type":1151},120,{"start":2019,"end":1689,"type":1151},134,{"start":2021,"end":2022,"type":1151},147,162,{"start":2024,"end":2025,"type":1151},173,192,{"type":1027,"text":2027,"spans":2028,"direction":1036},"Auch Banken mit erweiterter Einlagensicherung überzeugten im Test: Hier gehören comdirect, Bank11, Commerzbank, Postbank, Volkswagen Bank sowie Ford Money zu den Spitzenreitern. Bei ihnen sind längere Zinsgarantien noch üblich – oft sechs Monate, bei der Commerzbank sogar bis zu zwölf Monate.",[2029,2031,2034,2037,2039,2041],{"start":2030,"end":1729,"type":1151},80,{"start":2032,"end":2033,"type":1151},91,97,{"start":2035,"end":2036,"type":1151},99,110,{"start":2038,"end":2017,"type":1151},112,{"start":1672,"end":2040,"type":1151},137,{"start":2042,"end":2043,"type":1151},144,154,{"type":1027,"text":2045,"spans":2046,"direction":1036},"Fazit: Zinshopping ist 2025 kein Selbstläufer mehr. Wer flexibel bleibt, sollte die Angebote genau vergleichen und im Zweifel auf einen guten, langfristig garantierten Zins setzen. Der FMH-Tagesgeldvergleich liefert alle aktuellen Konditionen transparent und unabhängig.",[2047,2048],{"start":24,"end":1168,"type":1151},{"start":2049,"end":2050,"type":1033,"data":2051},185,207,{"id":106,"type":107,"tags":2052,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],"text_block$718550a6-b973-42f3-b807-eda627bd144b","Die besten Tagesgeldangebote 2025 | FMH","Die besten Tagesgeldangebote 2025 im FMH-Test: Top-Zinsen, Anbieter und Zinsgarantien vergleichen. Jetzt passende Konditionen entdecken.",{"dimensions":2057,"alt":1952,"copyright":1273,"url":2058,"id":1954,"edit":2059},{"width":1753,"height":1754},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLlkGGNHVfTPDgJ_3102a988d2b1de43ceba285b0bfd09e5351260df-Mann-steht-vor-Entscheidung.jpg?auto=format%2Ccompress&rect=0%2C0%2C1200%2C630&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2061,"uid":1593,"url":2062,"type":319,"href":2063,"tags":2064,"first_publication_date":2065,"last_publication_date":2066,"slugs":2067,"linked_documents":2069,"lang":13,"alternate_languages":2070,"data":2071},"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",[2068],"mehr-sicherheit-und-langere-zinsgarantien",[],[],{"publication_date":2072,"last_edit_date":2072,"set_last_edit_date_today":45,"title":2073,"subtitle":2074,"breadcrumb_title":5,"topic":2075,"teaser":2078,"author":2085,"cover":2088,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":2096,"slices":2099,"meta_title":2209,"meta_description":2210,"meta_image":2211,"meta_indexed":1258},"2026-03-03","Tagesgeld 2026: Wo Sparer jetzt die attraktivsten Konditionen finden","Hohe Aktionszinsen, längere Garantien und sichere Einlagen im Vergleich",{"id":1018,"type":1019,"tags":2076,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2077,"isBroken":45},[],"ef357c28-aa54-45da-874c-629d7491c9f0",[2079],{"type":1027,"text":2080,"spans":2081,"direction":1036},"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.",[2082],{"start":1690,"end":1695,"type":1033,"data":2083},{"link_type":49,"url":2084,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Franking-das-sind-die-besten-und-lukrativsten-tagesgeldkonten\u002F100197805.html",{"id":1038,"type":1039,"tags":2086,"lang":13,"slug":1041,"first_publication_date":1042,"last_publication_date":1043,"uid":1041,"link_type":43,"key":2087,"isBroken":45},[],"df7193c2-7d39-4f7c-86b9-5fe3fccdfa01",{"dimensions":2089,"alt":2091,"copyright":2092,"url":2093,"id":2094,"edit":2095},{"width":1047,"height":2090},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":1018,"type":1019,"tags":2097,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2098,"isBroken":45},[],"bd82ee6a-76ee-42a7-aa6b-b1f62ae3c759",[2100],{"variation":1063,"version":1064,"items":2101,"primary":2102,"id":2208,"slice_type":1254,"slice_label":5},[],{"text":2103,"chart_alt":5},[2104,2107,2110,2112,2120,2123,2126,2129,2132,2135,2138,2141,2144,2152,2159,2162,2170,2177,2184,2190,2193,2196,2199,2206],{"type":1069,"text":2105,"spans":2106,"direction":1036},"Mehr Sicherheit und längere Zinsgarantien",[],{"type":1027,"text":2108,"spans":2109,"direction":1036},"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":1069,"text":1107,"spans":2111,"direction":1036},[],{"type":1027,"text":2113,"spans":2114,"direction":1036},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts insgesamt 75 bundesweite Tagesgeldanbieter untersucht.",[2115],{"start":2116,"end":2117,"type":1033,"data":2118},66,109,{"link_type":49,"url":2119,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-tagesgeldzinsen-handelsblatt",{"type":1027,"text":2121,"spans":2122,"direction":1036},"Im Mittelpunkt standen:",[],{"type":1027,"text":2124,"spans":2125,"direction":1036},"•\tRendite für 4 Monate",[],{"type":1027,"text":2127,"spans":2128,"direction":1036},"•\tDauer der Zinsgarantie",[],{"type":1027,"text":2130,"spans":2131,"direction":1036},"•\tEinlagensicherung",[],{"type":1027,"text":2133,"spans":2134,"direction":1036},"•\tMindestanlage",[],{"type":1027,"text":2136,"spans":2137,"direction":1036},"•\tmögliche Zusatzbedingungen (z. B. Girokonto-Eröffnung)",[],{"type":1027,"text":2139,"spans":2140,"direction":1036},"Sechs Banken erhielten die Bestnote „sehr gut“. Bewertet wurde nicht nur die maximale Verzinsung, sondern die Gesamtattraktivität des Angebots.",[],{"type":1069,"text":2142,"spans":2143,"direction":1036},"Diese Banken liegen vorne",[],{"type":1027,"text":2145,"spans":2146,"direction":1036},"An der Spitze der Auswertung steht Bank11 mit einem Aktionszins von 3,11 Prozent bei dreimonatiger Garantie.",[2147],{"start":2148,"end":2149,"type":1033,"data":2150},35,41,{"link_type":49,"url":2151,"target":52},"https:\u002F\u002Fmoneytrax.de\u002Fclick.php?aid=62&linkid=N48&userid=&subid=",{"type":1027,"text":2153,"spans":2154,"direction":1036},"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.",[2155],{"start":1191,"end":2156,"type":1033,"data":2157},73,{"link_type":49,"url":2158,"target":52},"https:\u002F\u002Fwww.norisbank.de\u002Fgeldanlage\u002Ftagesgeld-festgeld\u002Ftagesgeld.html",{"type":1027,"text":2160,"spans":2161,"direction":1036},"Ebenfalls mit „sehr gut“ bewertet wurden:",[],{"type":1027,"text":2163,"spans":2164,"direction":1036},"•\tcomdirect",[2165],{"start":2166,"end":2167,"type":1033,"data":2168},2,11,{"link_type":49,"url":2169,"target":52},"https:\u002F\u002Fwww.comdirect.de\u002Fgeldanlage\u002Ftagesgeld.html",{"type":1027,"text":2171,"spans":2172,"direction":1036},"•\tVolkswagen Bank",[2173],{"start":2166,"end":2174,"type":1033,"data":2175},17,{"link_type":49,"url":2176,"target":52},"https:\u002F\u002Fpartners.pilot.de\u002Fgo.cgi?pid=34&wmid=162&cpid=1&prid=1&subid=62&target=Tagesgeld_12_2022",{"type":1027,"text":2178,"spans":2179,"direction":1036},"•\tSuresse Direkt Bank",[2180],{"start":2166,"end":2181,"type":1033,"data":2182},21,{"link_type":49,"url":2183,"target":52},"https:\u002F\u002Fwww.suressedirektbank.de\u002Fde\u002Fsparen-anlegen\u002Ftagesgeld?utm_source=fmh&utm_medium=affiliate&utm_campaign=listing&utm_content=tagesgeld",{"type":1027,"text":2185,"spans":2186,"direction":1036},"•\tBBVA",[2187],{"start":2166,"end":1168,"type":1033,"data":2188},{"link_type":49,"url":2189,"target":52},"https:\u002F\u002Fwww.bbva.de\u002Fprivat\u002Fservices\u002Fsmart-banking\u002Fsparbox.html",{"type":1069,"text":2191,"spans":2192,"direction":1036},"Fazit: Attraktive Chancen für sicherheitsorientierte Anleger",[],{"type":1027,"text":2194,"spans":2195,"direction":1036},"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":1027,"text":2197,"spans":2198,"direction":1036},"Wer nicht nur auf den Höchstzins schaut, sondern Garantiezeit, Anschlusszins und Bedingungen vergleicht, kann sein Erspartes gezielt optimieren.",[],{"type":1027,"text":2200,"spans":2201,"direction":1036},"Der FMH Tagesgeld-Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote.",[2202],{"start":1246,"end":2203,"type":1033,"data":2204},27,{"id":106,"type":107,"tags":2205,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1027,"text":1079,"spans":2207,"direction":1036},[],"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":2212,"alt":2091,"copyright":2092,"url":2213,"id":2094,"edit":2214},{"width":1753,"height":1754},"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":2014,"zoom":25,"background":26},{"id":2216,"uid":1594,"url":2217,"type":319,"href":2218,"tags":2219,"first_publication_date":2221,"last_publication_date":2222,"slugs":2223,"linked_documents":2225,"lang":13,"alternate_languages":2226,"data":2227},"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",[2220],"spotlight","2025-11-04T16:30:09+0000","2025-11-20T09:13:56+0000",[2224],"herr-isik-warum-sollten-kunden-zur-garantibank-international-wechseln-was-unterscheidet-sie-von-ihren-mitbewerbern",[],[],{"publication_date":2228,"last_edit_date":2228,"set_last_edit_date_today":5,"title":2229,"subtitle":2230,"breadcrumb_title":5,"topic":2231,"teaser":2234,"author":2238,"cover":2246,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":2251,"slices":2252,"meta_title":2229,"meta_description":1079,"meta_image":2343,"meta_indexed":1258},"2023-09-15","Solide Zinsen und smarter Rundum-Service","Die GarantiBank International überzeugt mit erstklassiger Kundenberatung und interessanten Anlageprodukten",{"id":1018,"type":1019,"tags":2232,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2233,"isBroken":45},[],"0b928b40-e61e-441d-8629-8362757fd07f",[2235],{"type":1027,"text":2236,"spans":2237,"direction":1036},"[Advertorial] FMH im Interview mit Nevzat Isik, Executive Director GarantiBank International, Niederlassung Düsseldorf.",[],{"id":2239,"type":1039,"tags":2240,"lang":13,"slug":2241,"first_publication_date":2242,"last_publication_date":2243,"uid":2244,"link_type":43,"key":2245,"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":2247,"alt":2229,"copyright":1273,"url":2248,"id":2249,"edit":2250},{"width":1047,"height":1048},"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},[2253],{"variation":1063,"version":1064,"items":2254,"primary":2255,"id":2342,"slice_type":1254,"slice_label":5},[],{"text":2256,"chart_alt":5},[2257,2260,2263,2266,2269,2272,2275,2278,2281,2297,2300,2303,2306,2309,2312,2315,2318,2320,2323,2326,2329,2332,2335],{"type":1142,"text":2258,"spans":2259,"direction":1036},"Herr Isik, warum sollten Kunden zur GarantiBank International wechseln? Was unterscheidet Sie von Ihren Mitbewerbern?",[],{"type":1027,"text":2261,"spans":2262,"direction":1036},"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":1142,"text":2264,"spans":2265,"direction":1036},"Sind die Einlagen abgesichert?",[],{"type":1027,"text":2267,"spans":2268,"direction":1036},"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":1027,"text":2270,"spans":2271,"direction":1036},"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":1142,"text":2273,"spans":2274,"direction":1036},"Wie schafft Ihre Bank den Spagat zwischen der Bequemlichkeit digitaler Dienstleistungen und der persönlichen Betreuung und Beratung, die viele Kunden zu schätzen wissen?",[],{"type":1027,"text":2276,"spans":2277,"direction":1036},"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":1142,"text":2279,"spans":2280,"direction":1036},"Welche Hero-Produkte hat die GarantiBank im Produktportfolio?",[],{"type":1027,"text":2282,"spans":2283,"direction":1036},"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.",[2284,2287,2292],{"start":1968,"end":2011,"type":1033,"data":2285},{"link_type":49,"url":2286,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-sparkonto",{"start":2288,"end":2289,"type":1033,"data":2290},579,603,{"link_type":49,"url":2291,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-kündigungsgeld",{"start":2293,"end":2294,"type":1033,"data":2295},617,642,{"link_type":49,"url":2296,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-festgeld",{"type":1142,"text":2298,"spans":2299,"direction":1036},"Welches Produkt ist am flexibelsten?",[],{"type":1027,"text":2301,"spans":2302,"direction":1036},"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":1142,"text":2304,"spans":2305,"direction":1036},"Wer ist Ihr idealer Kunde?",[],{"type":1027,"text":2307,"spans":2308,"direction":1036},"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":1142,"text":2310,"spans":2311,"direction":1036},"Was raten Sie aktuell Kunden mit einem Budget unter 10.000 oder über 100.000 Euro?",[],{"type":1027,"text":2313,"spans":2314,"direction":1036},"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":1027,"text":2316,"spans":2317,"direction":1036},"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":1027,"text":1079,"spans":2319,"direction":1036},[],{"type":1093,"text":2321,"spans":2322,"direction":1036},"Seit 1999 in Deutschland",[],{"type":1093,"text":2324,"spans":2325,"direction":1036},"Niederlassung in Düsseldorf",[],{"type":1093,"text":2327,"spans":2328,"direction":1036},"Gesetzliche Niederländische Einlagensicherung bis 100.000 Euro pro Person",[],{"type":1093,"text":2330,"spans":2331,"direction":1036},"Zinssätze je nach Produkt zwischen 1,25 % und 3,40 %",[],{"type":1093,"text":2333,"spans":2334,"direction":1036},"Kundenservice: 0211-86 222 400",[],{"type":1093,"text":2336,"spans":2337,"direction":1036},"Weitere Informationen unter https:\u002F\u002Fgarantibank.de\u002F",[2338],{"start":2339,"end":1915,"type":1033,"data":2340},28,{"link_type":49,"url":2341,"target":52},"https:\u002F\u002Fgarantibank.de\u002F","text_block$0234198a-6afa-4178-84b8-5b518a91d14b",{"dimensions":2344,"alt":2229,"copyright":1273,"url":2345,"id":2249,"edit":2346},{"width":1753,"height":1754},"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":2348,"uid":1595,"url":2349,"type":319,"href":2350,"tags":2351,"first_publication_date":2353,"last_publication_date":2354,"slugs":2355,"linked_documents":2357,"lang":13,"alternate_languages":2358,"data":2359},"aMLx9xEAACAAiony","\u002Fartikel\u002Fdie-besten-nachhaltigen-etf-sparplaene-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+%22aMLx9xEAACAAiony%22%29+%5D%5D",[366,2352],"etf-sparplan","2025-11-06T12:56:58+0000","2026-10-16T09:26:46+0000",[2356],"regelma%C3%9Fige-kontrollen-zahlen-sich-aus",[],[],{"publication_date":2360,"last_edit_date":2360,"set_last_edit_date_today":45,"title":2361,"subtitle":2362,"breadcrumb_title":5,"topic":2363,"teaser":2366,"author":2370,"cover":2373,"cover_position":1054,"table_of_content":2381,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":2382,"slices":2385,"meta_title":2426,"meta_description":2427,"meta_image":2428,"meta_indexed":1258},"2023-10-31","FMH ermittelt die besten nachhaltigen ETF-Sparpläne","Langfristige Geldanlage",{"id":1018,"type":1019,"tags":2364,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2365,"isBroken":45},[],"3776aed3-5120-4fb8-a872-e61572091e79",[2367],{"type":1027,"text":2368,"spans":2369,"direction":1036},"Die Lage des Planeten war schon einmal rosiger. Viele Anleger wollen mit ihrem Geld daher nicht nur Renditen erwirtschaften, sondern auch etwas fürs Klima oder für mehr Menschlichkeit auf der Welt tun. Wir haben untersucht, mit welchen ETF das am besten gelingen kann.",[],{"id":1780,"type":1039,"tags":2371,"lang":13,"slug":1782,"first_publication_date":1783,"last_publication_date":1784,"uid":1782,"link_type":43,"key":2372,"isBroken":45},[],"57f5fa60-d066-4ce9-97d4-fbbc3478d2a4",{"dimensions":2374,"alt":2377,"copyright":1273,"url":2378,"id":2379,"edit":2380},{"width":2375,"height":2376},2100,1400,"kleiner Keimling auf Geldstücken wird von einer nassen Hand bewässert","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmsWGNHVfTPDkL_53329428b0e656d4941ef1e02ed8188fb7fd9825-etf-nachhaltig.jpg?auto=format,compress","aMLmsWGNHVfTPDkL",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"id":1018,"type":1019,"tags":2383,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2384,"isBroken":45},[],"83288e5d-7e9e-4b84-96e5-93bd27a209c6",[2386],{"variation":1063,"version":1064,"items":2387,"primary":2388,"id":2425,"slice_type":1254,"slice_label":5},[],{"text":2389,"chart_alt":5},[2390,2398,2401,2404,2407,2410],{"type":1027,"text":2391,"spans":2392,"direction":1036},"Sparen mit gutem Gewissen und ansehnlichen Renditen? Für immer mehr Anleger gehen diese beiden Ziele Hand in Hand. Um herauszufinden, welche Produkte diese Vorgaben erfüllen können, hat die FMH-Finanzberatung im Auftrag des Nachrichtensender ntv die besten Angebote für nachhaltige ETF-Sparpläne ermittelt.",[2393],{"start":2394,"end":2395,"type":1033,"data":2396},250,295,{"link_type":49,"url":2397,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FHier-gibt-es-die-besten-nachhaltigen-ETF-Sparplaene-article24497407.html",{"type":1027,"text":2399,"spans":2400,"direction":1036},"Bei unserer Recherche haben wir allerdings nicht die Performance bewertet, sondern primär die Größe des Angebots und die Kosten, die für Einzahlungen und den möglichen späteren Verkauf entstehen. Dieses Vorgehen ist deshalb sinnvoll, weil ETF-Sparpläne monatlich bespart werden – idealerweise über über zehn Jahre und länger. Und weil es nachhaltige ETF-Fonds erst seit ein paar Jahren gibt, lassen sich aus deren bisheriger Performance keine valide Aussage für die Zukunft treffen.",[],{"type":1027,"text":2402,"spans":2403,"direction":1036},"Wir haben uns deshalb bewusst für die Kosten entschieden, auch bei einer Entnahme aus dem Fonds.",[],{"type":1142,"text":2405,"spans":2406,"direction":1036},"Regelmäßige Kontrollen zahlen sich aus",[],{"type":1027,"text":2408,"spans":2409,"direction":1036},"Wichtig ist es auch, darauf hinzuweisen, dass es aktuell noch keine klaren Vorgaben gibt, welche Aktien als „nachhaltig“ tituliert werden dürfen. Anleger, die genau hinschauen wollen, können sich aber an den SFDR-Kategorien und Klassifizierungen orientieren. Dennoch sollten umweltbewusste Sparer damit rechnen, dass sie im Laufe der Jahre umschichten müssen, um den Nachhaltigkeitsfaktor der eigenen Investments (weiter) zu verbessern.",[],{"type":1027,"text":2411,"spans":2412,"direction":1036},"Wer sich heute für den Abschluss eines nachhaltigen ETF entscheidet, findet die besten Angebote bei den folgenden Instituten: Auf dem ersten Platz liegt Scalable Capital mit dem Free Broker Depot, gefolgt von Finanzen.net Zero (Depot), justTRADE (Standard Depot) und der comdirect (comdirect Depot).",[2413,2416,2419,2422],{"start":2414,"end":2415,"type":1151},153,169,{"start":2417,"end":2418,"type":1151},209,226,{"start":2420,"end":2421,"type":1151},236,245,{"start":2423,"end":2424,"type":1151},271,280,"text_block$f274540b-34a6-4e06-b809-71c2c48b9b6b","Nachhaltige ETF-Sparpläne 2023: Rendite im Vergleich","Die besten nachhaltigen ETF-Sparpläne im Vergleich: FMH-Finanzberatung ermittelt für ntv passende Angebote. Jetzt Ergebnisse entdecken.",{"dimensions":2429,"alt":2377,"copyright":1273,"url":2430,"id":2379,"edit":2431},{"width":1753,"height":1754},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmsWGNHVfTPDkL_53329428b0e656d4941ef1e02ed8188fb7fd9825-etf-nachhaltig.jpg?auto=format%2Ccompress&rect=0%2C0%2C2100%2C1103&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":318,"uid":324,"url":325,"type":319,"href":2433,"tags":2434,"first_publication_date":322,"last_publication_date":323,"slugs":2435,"linked_documents":2436,"lang":13,"alternate_languages":2437,"data":2438},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anmRVREAACwAdYoe%22%29+%5D%5D",[],[321],[],[],{"publication_date":2439,"last_edit_date":2439,"set_last_edit_date_today":45,"title":2440,"subtitle":2441,"breadcrumb_title":2442,"topic":2443,"teaser":2446,"author":2453,"cover":2460,"cover_position":1054,"table_of_content":2381,"toc_calculator":1056,"toc_selection":2467,"carousel_topic_filter":2468,"slices":2471,"meta_title":2858,"meta_description":2859,"meta_image":2860,"meta_indexed":1258},"2026-08-10","Tagesgeld-Hopping lohnt sich","Bis zu 846 Prozent Zinsplus für Tagesgeld-Hopper","Tagesgeldhopping",{"id":1018,"type":1019,"tags":2444,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2445,"isBroken":45},[],"ee2b754a-b845-4a46-a4bb-1b7ae50a9232",[2447],{"type":1027,"text":2448,"spans":2449,"direction":1036},"Was bringen die Neukundenangebote beim Tagesgeld wirklich? Um das zu ermitteln, haben wir die Zinserträge von drei sehr verschiedenen Tagesgeld-Anlegern in den letzten vier Jahren verglichen. Das Ergebnis: Treue beim Sparen wird nicht belohnt…",[2450],{"start":24,"end":2451,"type":2452},243,"em",{"id":2454,"type":1039,"tags":2455,"lang":13,"slug":2456,"first_publication_date":2457,"last_publication_date":2458,"uid":2456,"link_type":43,"key":2459,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":2461,"alt":2462,"copyright":2463,"url":2464,"id":2465,"edit":2466},{"width":1625,"height":1788},"Hand hält Münze über drei Spargläsern mit steigenden Geldbeträgen und kleiner Pflanze","Rido, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FAhoawBncsZ-NcyqV_Hand-haelt-Muenze.jpg?auto=format,compress","AhoawBncsZ-NcyqV",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3, h4 + Slices",{"id":1018,"type":1019,"tags":2469,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2470,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[2472,2494,2626,2668,2795,2850],{"variation":1063,"version":1064,"items":2473,"primary":2474,"id":2493,"slice_type":1254,"slice_label":5},[],{"text":2475,"chart_alt":5},[2476,2482,2485,2488,2490],{"type":1027,"text":2477,"spans":2478,"direction":1036},"Wenn es einen Trend gibt, der sich verfestigt hat, dann ist es dieser: Bestandskunden erhalten aufs Tagesgeld überschaubare Zinsen. Neukunden hingegen werden mit attraktiven Renditen umworben. Die gelten zwar nur für wenige Monate. Doch die Aktionen tun noch immer, was sie sollen: Sie bescheren Banken neue Kunden – und neuen Kunden (zumindest vorübergehend) bessere Erträge.",[2479],{"start":1707,"end":2117,"type":1033,"data":2480},{"id":106,"type":107,"tags":2481,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1027,"text":2483,"spans":2484,"direction":1036},"Dahinter steckt folgende Ratio der Geldhäuser: Da nur die wenigsten Kunden alle paar Monate die Bank wechseln wollen, um erneut von einer Werbeaktion zu profitieren, bleibt das Gros der Neukunden ihnen erst einmal erhalten – und das Investment hat sich gelohnt.",[],{"type":1027,"text":2486,"spans":2487,"direction":1036},"In der Regel geht dieses Kalkül auch auf. Wer hat schon Zeit und Lust, alle paar Monate ein neues Konto zu eröffnen und seine Ersparnisse umzuziehen? Doch was wäre, wenn doch? Welche Rendite hätten Anleger wohl erzielt, wenn er in der Zeit zwischen August 2022 und Juli 2026 nach Ablauf des Aktionszeitraums konsequent zur nächsten Bank mit einem attraktiven Neukunden-Angebot gewechselt wäre?",[],{"type":1027,"text":1079,"spans":2489,"direction":1036},[],{"type":1027,"text":2491,"spans":2492,"direction":1036},"Um das herauszufinden, hat FMH.de die Tagesgeld-Erträge von drei verschiedenen Kunden ermittelt und gegenübergestellt. Sie alle hatten zu Beginn des Betrachtungszeitraums 50 000 Euro auf dem Konto.",[],"text_block$5d24abc1-2693-43b2-a144-20a64eaed69f",{"variation":1063,"version":1064,"items":2495,"primary":2496,"id":2624,"slice_type":2625,"slice_label":5},[],{"title":2497,"table":2498},"Drei unterschiedliche Kunden",{"head":2499,"body":2529},{"rows":2500},[2501],{"key":2502,"cells":2503},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[2504,2511,2517,2523],{"key":2505,"type":2506,"content":2507},"b847db47-f7d0-48e6-8d96-4401d428ebf2","header",[2508],{"type":1027,"text":2509,"spans":2510,"direction":1036},"Kundentyp",[],{"key":2512,"type":2506,"content":2513},"72a6111c-412c-4886-93cd-0ece552e73b2",[2514],{"type":1027,"text":2515,"spans":2516,"direction":1036},"Wechselverhalten",[],{"key":2518,"type":2506,"content":2519},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[2520],{"type":1027,"text":2521,"spans":2522,"direction":1036},"Vorgehen",[],{"key":2524,"type":2506,"content":2525},"8d642a71-ec78-4186-a549-5ad69207183a",[2526],{"type":1027,"text":2527,"spans":2528,"direction":1036},"Strategie",[],{"rows":2530},[2531,2569,2597],{"key":2532,"cells":2533},"23020563-390d-4269-9d96-2de11583abeb",[2534,2546,2553,2563],{"key":2535,"type":2506,"content":2536},"81d42ec0-9395-4df3-94bd-de30fb31905b",[2537],{"type":1027,"text":2538,"spans":2539,"direction":1036},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[2540,2541,2543],{"start":24,"end":1723,"type":1151},{"start":2174,"end":2542,"type":1151},18,{"start":2544,"end":2545,"type":1151},31,32,{"key":2547,"type":2548,"content":2549},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf","data",[2550],{"type":1027,"text":2551,"spans":2552,"direction":1036},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":2554,"type":2548,"content":2555},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[2556],{"type":1027,"text":2557,"spans":2558,"direction":1036},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[2559],{"start":1833,"end":2560,"type":1033,"data":2561},103,{"id":106,"type":107,"tags":2562,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":2564,"type":2548,"content":2565},"9aefd59e-6f07-448c-825a-cdffa11e6086",[2566],{"type":1027,"text":2567,"spans":2568,"direction":1036},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":2570,"cells":2571},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[2572,2579,2585,2591],{"key":2573,"type":2506,"content":2574},"56c39935-ab43-4364-a29e-f274cd76b32d",[2575],{"type":1027,"text":2576,"spans":2577,"direction":1036},"Direktbank-Kunde\n\"Dieter Direkt\"",[2578],{"start":24,"end":2174,"type":1151},{"key":2580,"type":2548,"content":2581},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[2582],{"type":1027,"text":2583,"spans":2584,"direction":1036},"Kein Bankwechsel in 4 Jahren",[],{"key":2586,"type":2548,"content":2587},"63731bfc-adff-4d98-a214-980afb1c2878",[2588],{"type":1027,"text":2589,"spans":2590,"direction":1036},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":2592,"type":2548,"content":2593},"9979105c-c445-44a8-9af2-647baae1d3ed",[2594],{"type":1027,"text":2595,"spans":2596,"direction":1036},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":2598,"cells":2599},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[2600,2607,2612,2618],{"key":2601,"type":2506,"content":2602},"504cefbb-d7ff-4103-9758-2a8258b111d2",[2603],{"type":1027,"text":2604,"spans":2605,"direction":1036},"Filialbank-Kunde\n\"Frank Filiale\"",[2606],{"start":24,"end":1723,"type":1151},{"key":2608,"type":2548,"content":2609},"26898e43-782a-45f9-9d86-75b9c2267db0",[2610],{"type":1027,"text":2583,"spans":2611,"direction":1036},[],{"key":2613,"type":2548,"content":2614},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[2615],{"type":1027,"text":2616,"spans":2617,"direction":1036},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":2619,"type":2548,"content":2620},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[2621],{"type":1027,"text":2622,"spans":2623,"direction":1036},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1063,"version":1064,"items":2627,"primary":2628,"id":2667,"slice_type":1254,"slice_label":5},[],{"text":2629,"chart_alt":5},[2630,2633,2636,2639,2642,2645,2648,2661,2664],{"type":1069,"text":2631,"spans":2632,"direction":1036},"Wechselbereitschaft zahlt sich aus",[],{"type":1027,"text":2634,"spans":2635,"direction":1036},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1027,"text":2637,"spans":2638,"direction":1036},"Der Tagesgeld-Hopper hat innerhalb von vier Jahren insgesamt 6.744 Euro Zinsen erwirtschaftet. Der Direktbankkunde kommt auf 1.567 Euro. Der Kunde der regionalen Filialbank schaffte es gerade einmal auf 797 Euro.",[],{"type":1027,"text":2640,"spans":2641,"direction":1036},"Gewisse kleine Ungenauigkeiten bei der Zinsermittlung lassen sich zwar nicht ausschließen, da wir bei unseren Berechnungen nicht berücksichtigt haben, dass pro Kontowechsel ein bis zwei Tage verloren gehen können, weil das Geld in dieser Zeit auf einem Referenzkonto seiner Wahl liegt, bis es zur neuen Bank übertragen wird.",[],{"type":1027,"text":2643,"spans":2644,"direction":1036},"Bei einem ungefähren Zinsplus von 430 Prozent gegenüber dem Direktbank-Kunden und einem Plus von 846 Prozent gegenüber dem Anleger, der stoisch bei seiner Filialbank ausgeharrt hat, zeigt sich jedoch:  Wer bereit ist, etwas Zeit und Aufwand zu investieren, erzielt mit seinem Tagesgeld auch in schlechten Zeiten mehr als nur einen Inflationsausgleich.",[],{"type":1069,"text":2646,"spans":2647,"direction":1036},"Vorsicht bei Konto-Koppelung",[],{"type":1027,"text":2649,"spans":2650,"direction":1036},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[2651,2656],{"start":2652,"end":2653,"type":1033,"data":2654},136,146,{"id":476,"type":107,"tags":2655,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":2657,"end":2658,"type":1033,"data":2659},158,164,{"id":141,"type":107,"tags":2660,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1027,"text":2662,"spans":2663,"direction":1036},"Hier sollten Kunden genau hinschauen und überlegen, ob der Wechsel zu einer solchen Bank wirklich vorteilhaft ist. Denn ein ständiger Girokontowechsel hat in der Regel negative Auswirkungen auf den Schufa-Score.",[],{"type":1027,"text":2665,"spans":2666,"direction":1036},"Die Verpflichtung, ein Depotkonto bei der Bank zu eröffnen, hat hingegen keine großen Auswirkungen, selbst wenn man dieses Depot einfach verkümmern lässt.",[],"text_block$8099bb8b-a151-4db0-9c34-4051c5671379",{"variation":1063,"version":1064,"items":2669,"primary":2670,"id":2793,"slice_type":2794,"slice_label":5},[],{"title":2671,"textblock":2672,"table":2683,"footnotes":2792,"primary_background":45,"primary_column_background":45,"primary_row_background":1258},"Zusammenfassung",[2673],{"type":1027,"text":2674,"spans":2675,"direction":1036},"Fazit: Wer beim Tagesgeld regelmäßig wechselt und attraktive Neukundenangebote nutzt, kann seinen Zinsertrag deutlich steigern. Aus 50.000 Euro wurden beim Zinshopper innerhalb von vier Jahren 56.744 Euro. Damit lag sein Ergebnis 5.947 Euro über dem Filialbank-Kunden und 5.177 Euro über dem Direktbank-Kunden.",[2676,2677,2680],{"start":24,"end":1168,"type":1151},{"start":2678,"end":2679,"type":1151},230,267,{"start":2681,"end":2682,"type":1151},272,309,{"head":2684,"body":2724},{"rows":2685},[2686],{"key":2687,"cells":2688},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[2689,2697,2702,2710,2717],{"key":2690,"type":2506,"content":2691},"aa62905e-715c-44a8-9d6f-0351f557fac3",[2692],{"type":1027,"text":2693,"spans":2694,"direction":1036},"Anlagezeitraum",[2695],{"start":24,"end":2696,"type":1151},14,{"key":2698,"type":2506,"content":2699},"bb497288-d069-4f33-8a8a-2668f731f812",[2700],{"type":1027,"text":1079,"spans":2701,"direction":1036},[],{"key":2703,"type":2506,"content":2704},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[2705],{"type":1027,"text":2706,"spans":2707,"direction":1036},"Hannah 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Filialbank",[],{"key":2813,"type":2548,"content":2814},"8f76abb6-ca45-4ff7-a596-c26af315165f",[2815],{"type":1027,"text":2816,"spans":2817,"direction":1036},"5.947 €",[],{"key":2819,"cells":2820},"9c3b062d-fa11-4b96-ac04-3a9141238db2",[2821,2827],{"key":2822,"type":2548,"content":2823},"bf1e7ab4-78b4-4be9-a89b-f4675ddbf7cf",[2824],{"type":1027,"text":2825,"spans":2826,"direction":1036},"Vorteil Zinshopper gegenüber Direktbank",[],{"key":2828,"type":2548,"content":2829},"f66e7e2f-79ac-4c20-9835-29b190f90271",[2830],{"type":1027,"text":2831,"spans":2832,"direction":1036},"5.177 €",[],{"key":2834,"cells":2835},"29556961-6a12-4f62-b662-1dd9ddf2eb4e",[2836,2842],{"key":2837,"type":2548,"content":2838},"49f1082d-18a3-4bfc-9b69-60ba576ba2a7",[2839],{"type":1027,"text":2840,"spans":2841,"direction":1036},"Vorteil Direktbank gegenüber regionaler Filialbank",[],{"key":2843,"type":2548,"content":2844},"63e46b6c-2412-439e-bb85-09604a610a29",[2845],{"type":1027,"text":2846,"spans":2847,"direction":1036},"770 €",[],[],"table$48532cb7-d1de-46f3-9531-6d07572af5b1",{"variation":1063,"version":1064,"items":2851,"primary":2852,"id":2857,"slice_type":1254,"slice_label":5},[],{"text":2853,"chart_alt":5},[2854],{"type":1027,"text":2855,"spans":2856,"direction":1036},"Zugegeben, das Ergebnis ist etwas außergewöhnlich, weil Banken seit Februar 2024 teilweise Tagesgeldzinsen oberhalb des EZB-Einlagenzinses angeboten haben. Aber auch unabhängig davon gilt: Wer einen Tagesgeldzins erhält, der deutlich über dem Bestandskundenzins liegt, kann mit einem Wechsel spürbar mehr herausholen.",[],"text_block$70db3926-902e-4e7e-b20b-418bf1d66556","Tagesgeld-Hopping: Bis zu 846 % mehr Zinsen | FMH","Tagesgeld-Hopping im Vergleich: Wer regelmäßig wechselt, erzielte in vier Jahren bis zu 846 % mehr Zinsen. Ergebnisse ansehen und Vorteile prüfen.",{},{"id":2862,"uid":1596,"url":2863,"type":319,"href":2864,"tags":2865,"first_publication_date":2866,"last_publication_date":2867,"slugs":2868,"linked_documents":2870,"lang":13,"alternate_languages":2871,"data":2872},"aQR2jhIAACUAI411","\u002Fartikel\u002Fdie-besten-robo-advisor-2025-07","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQR2jhIAACUAI411%22%29+%5D%5D",[366,166],"2025-10-31T08:44:28+0000","2026-10-16T09:34:21+0000",[2869],"warum-robo-advisor-immer-beliebter-werden",[],[],{"publication_date":2873,"last_edit_date":1609,"set_last_edit_date_today":45,"title":2874,"subtitle":2875,"breadcrumb_title":5,"topic":2876,"teaser":2879,"author":2886,"cover":2889,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":2895,"slices":2898,"meta_title":3048,"meta_description":3049,"meta_image":3050,"meta_indexed":1258},"2025-07-23","Diese Robo-Advisor hatten in den letzten drei Jahren die beste Performance","Digitale Vermögensverwaltung mit Köpfchen",{"id":1018,"type":1019,"tags":2877,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2878,"isBroken":45},[],"2fe204b0-8646-4fd5-b6fe-807a88bfffbe",[2880],{"type":1027,"text":2881,"spans":2882,"direction":1036},"Digitale Anlagehelfer sind gefragt wie nie. Robo-Advisor verwalten Portfolios automatisch, auf Basis von Algorithmen und klaren Strategien. Im Auftrag von ntv hat die FMH-Finanzberatung untersucht, welche Anbieter 2025 mit überzeugender Performance, fairen Kosten und smarten Services punkten.",[2883],{"start":1690,"end":2657,"type":1033,"data":2884},{"link_type":49,"url":2885,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FWas-koennen-Robo-Advisor-und-wo-gibt-es-die-besten-Angebote-article25918754.html",{"id":1780,"type":1039,"tags":2887,"lang":13,"slug":1782,"first_publication_date":1783,"last_publication_date":1784,"uid":1782,"link_type":43,"key":2888,"isBroken":45},[],"e6dab729-2cab-4f5e-b8c5-4d81e750a20c",{"dimensions":2890,"alt":2891,"copyright":5,"url":2892,"id":2893,"edit":2894},{"width":1048,"height":1870},"Mädchen mit Roboter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress","aQSLoLpReVYa331t",{"x":24,"y":24,"zoom":25,"background":26},{"id":1018,"type":1019,"tags":2896,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":2897,"isBroken":45},[],"7a6526f0-4a52-4081-8257-05ed220770ed",[2899],{"variation":1063,"version":1064,"items":2900,"primary":2901,"id":3047,"slice_type":1254,"slice_label":5},[],{"text":2902,"chart_alt":5},[2903,2906,2909,2912,2915,2921,2924,2927,2930,2933,2936,2939,2942,2945,2948,2953,2957,2960,2965,2969,2973,2977,2981,2986,2989,2992,2995,2998,3002,3006,3009,3012,3016,3019,3022,3026,3029,3032,3035,3041],{"type":1069,"text":2904,"spans":2905,"direction":1036},"Warum Robo-Advisor immer beliebter werden",[],{"type":1027,"text":2907,"spans":2908,"direction":1036},"In einem Umfeld sinkender Zinsen und unsicherer Märkte suchen viele Anleger nach Alternativen zu klassischen Sparformen. Digitale Vermögensverwalter, sogenannte Robo-Advisor, setzen hier an: Sie treffen Anlageentscheidungen automatisiert, abgestimmt auf Risikoprofil, Anlageziel und Zeithorizont des Kunden.",[],{"type":1027,"text":2910,"spans":2911,"direction":1036},"So entstehen Portfolios, die regelmäßig überprüft und angepasst werden. Der Vorteil: Emotionen bleiben außen vor, und auch Einsteiger können vom Kapitalmarkt profitieren - mit geringen Einstiegshürden und transparenten Kosten.",[],{"type":1069,"text":2913,"spans":2914,"direction":1036},"Was untersucht wurde",[],{"type":1027,"text":2916,"spans":2917,"direction":1036},"Die FMH-Finanzberatung hat im Auftrag von ntv insgesamt 22 Robo-Advisor analysiert. Bewertet wurden:",[2918],{"start":1664,"end":2011,"type":1033,"data":2919},{"link_type":49,"url":2920,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-robo-advisor",{"type":1093,"text":2922,"spans":2923,"direction":1036},"Laufende Performance-Daten der letzten drei Jahre",[],{"type":1093,"text":2925,"spans":2926,"direction":1036},"Transaktions- und Verwaltungskosten",[],{"type":1093,"text":2928,"spans":2929,"direction":1036},"Servicegebühren und Mindestanlagebeträge",[],{"type":1093,"text":2931,"spans":2932,"direction":1036},"Möglichkeiten für Auszahlpläne",[],{"type":1027,"text":2934,"spans":2935,"direction":1036},"Die Auswertung basierte auf einem Anlageprofil mit 40 bis 60 Prozent Aktienanteil, einem typischen ausgewogenen Risiko. Berücksichtigt wurde die Performance nach Kosten, also nach Abzug aller Gebühren, um ein realistisches Bild der Renditen zu erhalten.",[],{"type":1069,"text":2937,"spans":2938,"direction":1036},"So haben die Robo-Advisor abgeschnitten",[],{"type":1027,"text":2940,"spans":2941,"direction":1036},"Im Durchschnitt erzielten die Anbieter im vergangenen Jahr eine Performance von 4,50 % bei klassischen Strategien. Die Dreijahresperformance lag im Schnitt bei 20,36 % bei klassischen Strategien, Spitzenwerte erreichten über 25 Prozent.",[],{"type":1027,"text":2943,"spans":2944,"direction":1036},"Diese Ergebnisse zeigen: Robo-Advisor sind längst nicht mehr nur eine digitale Spielerei - sie können über längere Zeiträume hinweg solide Erträge liefern.",[],{"type":1142,"text":2946,"spans":2947,"direction":1036},"Die besten Anbieter bei einer klassischen Strategie",[],{"type":1027,"text":2949,"spans":2950,"direction":1036},"In der Gesamtbewertung aus Performance, Kostenstruktur und Serviceangebot überzeugten besonders folgende Anbieter mit der Bestnote „sehr gut“:",[2951],{"start":2952,"end":1689,"type":1151},131,{"type":1093,"text":2954,"spans":2955,"direction":1036},"Minveo",[2956],{"start":24,"end":1168,"type":1151},{"type":1093,"text":1155,"spans":2958,"direction":1036},[2959],{"start":24,"end":1158,"type":1151},{"type":1093,"text":2961,"spans":2962,"direction":1036},"easyfolio",[2963],{"start":24,"end":2964,"type":1151},9,{"type":1093,"text":2966,"spans":2967,"direction":1036},"froots",[2968],{"start":24,"end":1168,"type":1151},{"type":1093,"text":2970,"spans":2971,"direction":1036},"cominvest",[2972],{"start":24,"end":2964,"type":1151},{"type":1093,"text":2974,"spans":2975,"direction":1036},"growney",[2976],{"start":24,"end":1158,"type":1151},{"type":1093,"text":2978,"spans":2979,"direction":1036},"MorgenFund",[2980],{"start":24,"end":1163,"type":1151},{"type":1093,"text":2982,"spans":2983,"direction":1036},"Scalable Wealth",[2984],{"start":24,"end":2985,"type":1151},15,{"type":1027,"text":2987,"spans":2988,"direction":1036},"Diese Robo-Advisor boten nicht nur überdurchschnittliche Renditen, sondern auch faire Gebührenmodelle, flexible Auszahlpläne und transparente Konditionen.",[],{"type":1142,"text":2990,"spans":2991,"direction":1036},"Nachhaltige Geldanlage im Aufwind",[],{"type":1027,"text":2993,"spans":2994,"direction":1036},"Auch Anleger, die auf Nachhaltigkeit achten, müssen laut FMH-Auswertung keine Renditeeinbußen hinnehmen.\nDer Durchschnittsertrag bei nachhaltigen Portfolios lag bei 3,98 Prozent im Jahresvergleich, 13,67 Prozent über zwei Jahre und 16,79 Prozent über drei Jahre.",[],{"type":1027,"text":2996,"spans":2997,"direction":1036},"Besonders auffällig: Die meisten nachhaltigen Anbieter lagen leistungsmäßig eng beieinander, ein Hinweis auf ein gereiftes Marktsegment.",[],{"type":1027,"text":2999,"spans":3000,"direction":1036},"Mit der Bewertung „sehr gut“ ausgezeichnet wurden die nachhaltigen Strategien von:",[3001],{"start":2542,"end":2339,"type":1151},{"type":1093,"text":3003,"spans":3004,"direction":1036},"cominvest (comdirect)",[3005],{"start":24,"end":1163,"type":1151},{"type":1093,"text":2978,"spans":3007,"direction":1036},[3008],{"start":24,"end":1163,"type":1151},{"type":1093,"text":1155,"spans":3010,"direction":1036},[3011],{"start":24,"end":1158,"type":1151},{"type":1093,"text":3013,"spans":3014,"direction":1036},"easyfolio Green",[3015],{"start":24,"end":2985,"type":1151},{"type":1093,"text":1206,"spans":3017,"direction":1036},[3018],{"start":24,"end":1173,"type":1151},{"type":1093,"text":1160,"spans":3020,"direction":1036},[3021],{"start":24,"end":1163,"type":1151},{"type":1093,"text":3023,"spans":3024,"direction":1036},"Evergreen",[3025],{"start":24,"end":2964,"type":1151},{"type":1093,"text":2982,"spans":3027,"direction":1036},[3028],{"start":24,"end":2985,"type":1151},{"type":1027,"text":3030,"spans":3031,"direction":1036},"Nachhaltiges Investieren und attraktive Renditen schließen sich also nicht aus – viele Anbieter kombinieren beides überzeugend.",[],{"type":1069,"text":3033,"spans":3034,"direction":1036},"Fazit: Robo-Advisor bleiben auf Wachstumskurs",[],{"type":1027,"text":3036,"spans":3037,"direction":1036},"Die Auswertung der FMH-Finanzberatung im Auftrag von ntv zeigt: Digitale Vermögensverwaltung kann klassische Anlageberatung in puncto Kosten und Effizienz deutlich schlagen. Wer langfristig investiert und auf strukturierte, datengestützte Entscheidungen setzt, findet bei den getesteten Robo-Advisors eine breite Auswahl leistungsstarker Anbieter.\nBesonders positiv: Auch nachhaltige Strategien entwickeln sich zunehmend rentabel und machen digitales Investieren noch zukunftsfähiger.",[3038],{"start":1246,"end":3039,"type":1033,"data":3040},37,{"link_type":49,"url":2920,"target":52},{"type":1027,"text":3042,"spans":3043,"direction":1036},"Der FMH Robo-Advisor-Vergleich bietet einen unabhängigen Überblick über alle bewerteten Anbieter – transparent, aktuell und objektiv.",[3044],{"start":1246,"end":1247,"type":1033,"data":3045},{"id":161,"type":107,"tags":3046,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$f06bba89-7746-45ad-a00b-9026441502f8","Robo-Advisor im Vergleich: Die besten Anbieter | FMH","Die besten Robo-Advisor 2025 im Vergleich: FMH und ntv bewerten Performance, Kosten und nachhaltige Strategien. Jetzt digital investieren.",{"dimensions":3051,"alt":2891,"copyright":5,"url":3052,"id":2893,"edit":3053},{"width":1753,"height":1754},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress&rect=0,71,1000,525&w=2400&h=1260",{"x":24,"y":3054,"zoom":25,"background":26},71,{"id":3056,"uid":1591,"url":3057,"type":319,"href":3058,"tags":3059,"first_publication_date":3060,"last_publication_date":3061,"slugs":3062,"linked_documents":3064,"lang":13,"alternate_languages":3065,"data":3066},"aUUq6hEAAAkd8MWD","\u002Fartikel\u002Fmit-neukunden-angeboten-die-renditen-optimieren","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aUUq6hEAAAkd8MWD%22%29+%5D%5D",[],"2025-12-19T11:12:25+0000","2026-01-07T09:12:58+0000",[3063],"warum-banken-ihnen-jetzt-mehr-zahlen-als-die-ezb",[],[],{"publication_date":3067,"last_edit_date":3067,"set_last_edit_date_today":5,"title":3068,"subtitle":3069,"breadcrumb_title":5,"topic":3070,"teaser":3073,"author":3077,"cover":3080,"cover_position":1054,"table_of_content":1055,"toc_calculator":1056,"toc_selection":1057,"carousel_topic_filter":3089,"slices":3090,"meta_title":3217,"meta_description":3218,"meta_image":3219,"meta_indexed":1258},"2025-12-19","Maximale Zinsen sichern und bis zu drei Prozent erhalten","Mit Neukunden-Angeboten beim Tagesgeld die Renditen optimieren",{"id":1018,"type":1019,"tags":3071,"lang":13,"slug":1021,"first_publication_date":1022,"last_publication_date":1023,"uid":1021,"link_type":43,"key":3072,"isBroken":45},[],"3abb9aa7-4983-4395-97e5-b92bbaab5acc",[3074],{"type":1027,"text":3075,"spans":3076,"direction":1036},"Geld ausgeben, um neue Kunden zu gewinnen? Das haben in den vergangenen Jahren zwar viele Banken getan – wenn auch nur bis zu einer gewissen Grenze. Die allerdings scheint sich gerade zu verwischen. Flexible, Rendite interessierte Kunden können von diesem Trend profitieren.",[],{"id":2454,"type":1039,"tags":3078,"lang":13,"slug":2456,"first_publication_date":2457,"last_publication_date":2458,"uid":2456,"link_type":43,"key":3079,"isBroken":45},[],"81034b5d-420a-474e-be54-c73572453390",{"dimensions":3081,"alt":3084,"copyright":3085,"url":3086,"id":3087,"edit":3088},{"width":3082,"height":3083},8608,5292,"Fröhliche Frau macht das \"OK\"-Zeichen","Jacob Lund, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaUUyw3NYClf9ogXs_shutterstock_2438132027.jpg?auto=format,compress","aUUyw3NYClf9ogXs",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[3091,3176,3203],{"variation":1063,"version":1064,"items":3092,"primary":3093,"id":3175,"slice_type":1254,"slice_label":5},[],{"text":3094,"chart_alt":5},[3095,3098,3101,3104,3112,3114,3123,3125,3128,3130,3133,3136,3139,3142,3144,3147,3150,3158,3162,3170,3172],{"type":1069,"text":3096,"spans":3097,"direction":1036},"Warum Banken Ihnen jetzt mehr zahlen als die EZB  ",[],{"type":1027,"text":3099,"spans":3100,"direction":1036},"In über 40 Jahren Marktbeobachtung durch die FMH-Finanzberatung und Max Herbstgalt es als ausgemacht, dass Banken ihren Tagesgeld-Neukunden nur maximal jene Zinsen zahlen, die sie selbst von der Europäischen Zentralbank (EZB) erhalten, wenn sie dort die Gelder lagern. Von Anfang 2022 bis Anfang 2024 war diese Praxis jedenfalls der Standard der Branche. ",[],{"type":1027,"text":3102,"spans":3103,"direction":1036},"Im vergangenen Jahr experimentierten dann aber einzelne Anbieter mit einem neuen Modell.  Banken wie die OLB oder auch bunq, ein niederländisches Geldhaus, begannen damit, ihren Neukunden mehr als den Einlagenzins der EZB zu bezahlen. Dies bescherte den beiden Anbietern von TOP-Zinsen einen enormen Zulauf an Neukunden und zeigte: Viele Sparer sind es leid, dass ihre Banken sie mit Minizinsen unterhalb des Inflationsausgleichs abspeisen.  ",[],{"type":1027,"text":3105,"spans":3106,"direction":1036},"Zwar sind die großzügigen Neukunden-Angebote stets befristet, so dass Anleger auch bei den Top-Offerten irgendwann wieder niedrigere Zinsen akzeptieren müssen. Wer bereit ist, regelmäßig den Anbieter zu wechseln, um attraktive Neukunden-Angebote mitzunehmen, kann allerdings gute Geschäfte machen. Bei der Auswahl der richtigen Bank hilft der Tagesgeld-Vergleich auf FMH.de.",[3107],{"start":3108,"end":3109,"type":1033,"data":3110},343,373,{"id":106,"type":107,"tags":3111,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1027,"text":1079,"spans":3113,"direction":1036},[],{"type":3115,"url":3116,"alt":3117,"copyright":5,"dimensions":3118,"id":3121,"edit":3122},"image","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaUUuM3NYClf9ogVB_Grafik-1.png?auto=format,compress","Tagesgeld-Aktionszins + EZB-Einlagenzins",{"width":3119,"height":3120},1006,531,"aUUuM3NYClf9ogVB",{"x":24,"y":24,"zoom":25,"background":26},{"type":1027,"text":1079,"spans":3124,"direction":1036},[],{"type":1027,"text":3126,"spans":3127,"direction":1036},"Immer mehr Banken koppeln die Neukundenaktion beim Tagesgeld an die Eröffnung eines neuen Depots oder Girokontos. Der Grund: Auch wenn viele Neukunden nach Ablauf des Aktionszeitraums ihr Tagesgeld wieder abziehen, bleiben das Depot bzw. das Girokonto meist bestehen. Zudem ist die Wahrscheinlichkeit groß, dass die Neukunden das Depot zumindest ausprobieren oder bei dem (günstigen) neuen Girokonto bleiben.  Damit ist das Ziel der Aktionszinsen aus Sicht der Banken erreicht. ",[],{"type":1027,"text":1079,"spans":3129,"direction":1036},[],{"type":1069,"text":3131,"spans":3132,"direction":1036},"Für alle Beteiligten ein lohnendes Geschäft – So rechnen Banken ",[],{"type":1027,"text":3134,"spans":3135,"direction":1036},"Wie die Institute kalkulieren, lässt sich am Beispiel einer Bank illustrieren, die Neukunden beim Tagesgeld drei Prozent für drei Monate auf Einlagen bis zu 50.000 Euro garantiert. ",[],{"type":1027,"text":3137,"spans":3138,"direction":1036},"In diesem Fall garantiert die Bank den Neuzugängen bei obigem Anlagebetrag im ersten Vierteljahr 375 Euro Zinsen. Die EZB bezahlt der Bank in diesem Zeitraum jedoch nur zwei Prozent für die geparkten Kundengelder, im Aktionszeitraum erhält die Bank also nur 250 Euro. Damit zahlt das Geldhaus für die Gewinnung eines neuen Kunden 125 Euro. Hinzu kommen meist noch Provisionen an die Plattformen, die TOP-Zinsen veröffentlichen und der Bank Neukunden zuführen. ",[],{"type":1027,"text":3140,"spans":3141,"direction":1036},"Dieses Geld ist aus Sicht der Bank aber gut investiert: Unterstellt man, dass Neukunden nach dem Ende des Aktionszeitraums noch drei Monate bei der Bank bleiben, die ihnen jetzt nur noch 0,75 Prozent Zinsen zahlt, kommt die Bank schon wieder ins Plus: Sie verdient an der Differenz zwischen den zwei Prozent von der EZB und den 0,75 Prozent für den Kunden in eben jenen drei Monaten bereits 156,25 Euro. Die Kosten für die Neukunden Akquisition wandeln sich damit binnen eines halben Jahres in einen Überschuss von 31,25 Euro.  ",[],{"type":1027,"text":1079,"spans":3143,"direction":1036},[],{"type":1069,"text":3145,"spans":3146,"direction":1036},"So holen Sie die beste Rendite aus Ihrem Tagesgeld heraus ",[],{"type":1027,"text":3148,"spans":3149,"direction":1036},"Kunden, die beim Tagesgeld optimale Renditen erwirtschaften wollen, haben damit im Wesentlichen zwei Möglichkeiten. ",[],{"type":1093,"text":3151,"spans":3152,"direction":1036},"Variante eins: Sie können von Neukunden-Angebot zu Neukunden-Angebot springen (Bankhopping), und sich jeweils die besten Konditionen sichern. Mit dem Zins-Duell Rechner lässt sie dabei berechnen, wie hoch der Anschluss-Tagesgeldzins sein müsste, damit die dreimonatige Tagesgeldgarantie besser ist als ein attraktives Tagesgeld mit sechs Monaten Garantiezeit. ",[3153,3154],{"start":24,"end":2696,"type":1151},{"start":3155,"end":1695,"type":1033,"data":3156},150,{"id":307,"type":107,"tags":3157,"lang":13,"slug":309,"first_publication_date":310,"last_publication_date":311,"uid":312,"url":313,"link_type":43,"isBroken":45},[],{"type":1093,"text":3159,"spans":3160,"direction":1036},"Variante zwei: Sparer, die nicht alle paar Monate ein neues Konto eröffnen wollen, können auch nach einer Bank Ausschau halten, die ihren Bestandkunden derzeit attraktive Konditionen bietet – in der Hoffnung, dass dies auch in ein paar Monaten so der Fall ist. ",[3161],{"start":24,"end":2696,"type":1151},{"type":3115,"url":3163,"alt":3164,"copyright":5,"dimensions":3165,"id":3168,"edit":3169},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaUUugHNYClf9ogVR_Grafik-2.png?auto=format,compress","Tagesgeldzinsen für Neu- und Bestandskunden + EZB-Einlagenzins",{"width":3166,"height":3167},858,543,"aUUugHNYClf9ogVR",{"x":24,"y":24,"zoom":25,"background":26},{"type":1027,"text":1079,"spans":3171,"direction":1036},[],{"type":1027,"text":3173,"spans":3174,"direction":1036},"Der FMH-Zinschart zeigt, dass es solche Angebote durchaus gibt. Man muss jedoch nach ihnen suchen, denn der Großteil der Institute ist bei Bestandskunden sehr sparsam.",[],"text_block$1384be3d-ca06-48d1-b095-6398cdde8360",{"variation":1063,"version":1064,"items":3177,"primary":3178,"id":3201,"slice_type":3202,"slice_label":5},[],{"title":3179,"is_ad":45,"image":3180,"text":3186,"person_description":3190,"button_link":3199,"button_umami_event":5},"Lohnt sich Bankhopping?",{"dimensions":3181,"alt":3182,"copyright":5,"url":3183,"id":3184,"edit":3185},{"width":1048,"height":1048},"Max Herbst: Experte für Baufinanzierung und Zinsentwicklung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQNRo7pReVYa31Yy_max-02.png?auto=format,compress","aQNRo7pReVYa31Yy",{"x":24,"y":24,"zoom":25,"background":26},[3187],{"type":1027,"text":3188,"spans":3189,"direction":1036},"\"Bankhopping ergibt vor allem Sinn, wenn Sie größere Beträge anlegen wollen. Wer Summen bis 2.500 Euro gut verzinst anlegen will, profitiert zwar auch. Er oder sie sollte aber den zeitlichen Aufwand der steten Kontowechsel nicht außer Acht lassen und überlegen, ob die maximal 16,25 Euro zusätzliche Zinsen in drei Monaten die Mühe wert sind. Da Zeit bekanntlich Geld ist, sparen sie sich diese.\"",[],[3191],{"type":1027,"text":3192,"spans":3193,"direction":1036},"Max Herbst, Experte für Baufinanzierung und Zinsentwicklung",[3194,3195,3197],{"start":24,"end":1163,"type":1151},{"start":1648,"end":3196,"type":1151},40,{"start":3198,"end":1113,"type":1151},43,{"link_type":3200},"Any","expert_box$32759000-3076-4dcb-9dad-85e025e782e1","expert_box",{"variation":1063,"version":1064,"items":3204,"primary":3205,"id":3216,"slice_type":1254,"slice_label":5},[],{"text":3206,"chart_alt":5},[3207,3210,3213],{"type":1069,"text":3208,"spans":3209,"direction":1036},"Zinsentwicklung: Prognose fürs Tagesgeld 2026",[],{"type":1027,"text":3211,"spans":3212,"direction":1036},"Und wie geht es beim Tagesgeld weiter? ",[],{"type":1027,"text":3214,"spans":3215,"direction":1036},"Max Herbst und sein Team von der FMH-Finanzberatung gehen nicht davon aus, dass die EZB den Einlagenzins auf absehbare Zeit senken wird. Wahrscheinlicher ist eine Erhöhung der Leitzinsen, zumindest wenn die Inflation weiter steigt. In diesem Fall würden auch die Aktionszinsen für Neukunden beim Tagesgeld noch einmal anziehen – zum Nutzen zinssensibler Tagesgeldsparer.",[],"text_block$93732d18-f1a8-47f9-be86-cbf8f168bb39","3 % Tagesgeld-Zinsen: So nutzen Sie Top-Angebote","Maximale Rendite durch Neukunden-Angebote: Wie Sie Top-Zinsen finden, clever vergleich und wechseln.",{}]