What is the best % rate for savings account in your country.

[tjmorton]

@annies What bank ?

 

[annies]

@tjmorton tatra bank

 

[roxanne1011]

@annies To ma zarazilo som klient TB a nie maly, ale o takom uroku sa mi ani nesniva. Ako ste ho ziskali?

 

[annies]

@roxanne1011 Je to produkt, ktorý sa ponúka v rámci TB private bankingu pre dlhoročných klientov. Pre retail zrejme nie je.

 

[roxanne1011]

@annies Dakujem za odpoved. Tak som sa s nimi dnes porozpraval, velmi sa mi nepaci "odovzdat im kluc" (rovnake ako pred 10 rokmi). Btw pozrite si vyrocnu spravu (som ich drobny akcionar tak to citavam), cast o likvidite, dost ma to znervoznilo (hoci podobny problem maju vsetky SR banky).

 

[annies]

@roxanne1011 super, dík za tip, mrknem.

TB má zatiaľ rating AA+, ale mimo tejto investície som od nich stiahol všetko ostatné, aby som bol diverzifikovaný. Inak medzitým tá úroková sadzba vzrástla a podľa mňa po ECB hike-u 16.3. pôjde ešte mierne hore.

 

[roxanne1011]

@annies Je to problem likvidity, kriteria LCR (kratkodobe 30dni) a NSFR (dlhofobe 1 rok) . Banky si pozicali obrovske peniaze od ECB v ramci TLTRO III, Tatra nie
kde okolo 2 mld, pricom ako kolateral emitovala vlastne dlhopisy. Podmienky tltro sa znacne zhorsili a cca za rok a pol musia byt cele splatene. Na strane pasiv zas pouzivaju "behavioralnu analyzu" cim sa zazracne z cca 9mld vkladov na poziadanie stane len potencialny odtok cca 3mld za rok. Pri uroku 0% ked male banky ponukaju uz 2 az 3%. Podobne je na tom aj VUB co som pozrel.

 

[sourchier]

@annies Could you share more details?

Mainly currency and for how many months is this?

Can't find relevant details in Tetra's bank website

 

[annies]

@sourchier It changed in the meantime, last time I checked it was 3,3% p.a. for 2 years (around 3% for 1 year as far as I remember). Currency EUR. Rate changes weekly (or even more) so current rates are available only when you talk to them directly.

 

[stryker7200]

@sunflowers24 Poland 8% in PLN

 

[bobbydust]

@stryker7200 please provide more details, I can't find anything more than 12 months with that rate

 

[readc]

@sunflowers24 Fidelity in the US is 4.15% for reference

 

[erin81]

@sunflowers24 Portugal - zero or event Negative interest

 

[sunflowers24]

@erin81 How is it even possible - negative interest. You are better off to keep money in literal cash at home?

 

[byrd123]

@sunflowers24 8 or 8.25% in Poland up to 6 months.

 

[sholay2011]

@sunflowers24 In Slovakia - Fio Bank 2%, paid monthly

 

[redruthie7889]

@sholay2011

Bank 2%, paid monthly

FTFY.

Although payed exists (the reason why autocorrection didn't help you), it is only correct in:

• Nautical context, when it means to paint a surface, or to cover with something like tar or resin in order to make it waterproof or corrosion-resistant. The deck is yet to be payed.
• Payed out when letting strings, cables or ropes out, by slacking them. The rope is payed out! You can pull now.

Unfortunately, I was unable to find nautical or rope-related words in your comment.

Beep, boop, I'm a bot

 

[barberjorge11]

@sunflowers24 Bank Norwegian put mine up to 2.95% today.

 

[kaytiedid]

@sunflowers24 3% france (livret a)

 

[lhuzie]

@sunflowers24 3% in France with a stupid 22K cap (official), I've managed to get 4.4% with diverse placement like live insurance, buildings, American, 3rd world countries, obligations etc but if I had do to again no, too much work for nothing, also last year y had 1.2% lost.

Societe General Fr.