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7.2.2018: Not every person wants to switch the current account to a direct bank. For some people, it is enough to have a free credit card to the existing current account at the Sparkasse and the like. The customer-richest direct banks DKB and ING-DiBa offer their free Visa Card only in combination with a free current account. How … read more
1.2.2018: Which is the best month for banks? December. Why? In the yearly average, every fourth current account is in the red. In December, this value increases. More accounts are in the red and the amount per account is higher. In general, especially the Sparkasse should rejoice; its average overdraft facility interest rate is at 10.47 per cent. … read more
23.1.2018: Due to my activities in America, I am frequently asked on how to transfer higher amounts at best cheaply and safe or how to get them back from abroad to Germany. The background of my question is often the purchase or sale of real estate abroad, business or emigration. But sometimes also a special car, which could … read more
16.1.2018: In the end of the 1990s, the triumph of the free current account – first as a salary account, later completely without requirements. Drivers were the new direct banks, who wanted and also had to acquire customers. At first, a trend towards secondary and third account developed – as it was free of charge. Now, it passes over to … read more
11.1.2018: The ING-DiBa is Germany’s biggest direct bank and this has an important reason: It is the optimal bank within Germany for a whole lot of people regarding price, performance, product scope and service. How does it look like with the use abroad? First of all, I show you the conditions for the use abroad and depict my … read more
29.12.2017: In this article, we share with you a strategy of how to get a current account with a connected credit line of Euros 30,000 or more. It provenly works! Of course, not for everyone. You need a regular income; however, this does not have to be transferred to the bank. An electronic proof is enough. You also … read more
22.12.2017: Due to the many replies to the article “How I got a credit line of Euros 25,000”, we have a second part today, with: new details and tips answers to your important questions feedback of granted credit lines a link-tip for all trainees/students and self-employed persons among us. Through the information of this article, the probability to … read more
15.12.2017: As you might know, being a regular reader, I have legal foreign accounts since years, not just because of journeys, but also because of business partners in other currency areas. For the money transfer, I preferably use TransferWise. When I was in London some days ago, I visited the company – as so often with the camera … read more
15.11.2017: More and more banks turn the salary payment –, partially even with a certain minimum amount –, into a requirement for the free account management. Well, and many banks generally charge account management fees or fees for the cards. Is there a free alternative? Yes! It exists … and you will find out all the important details about it. … read more
3.11.2017: Just like it is meaningful to build asset with a strategy, it is meaningful to build financing options strategically for life. Never heard of it? No wonder. As in any area in life, there is also little known, partially hidden knowledge when dealing with the personal finances. In our circle of smart bank customers, we reveal such … read more
