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This month of November promises to be particularly fruitful for savers! According to MoneyVoxsome bank accounts reach record rates of 5%. This is a rare offer in an economic context marked by generally lower rates.
An opportunity to seize for those looking to grow their savings in a secure manner. Discover in the lines which follow these new attractive offers.
The rate war is on
It is undeniable that bank accounts remain a safe bet for savers looking for secure investments. In times of economic uncertainty, many people turn to these products to grow their savings. However, if the interest rate generally remain moderate, this month of November they are experiencing a real surge.
This month, banks are waging a real battle to attract new customers. And the current offers are particularly attractive. MoneyVox reveals that 11 online banks offer attractive boosted rates, between 2.25% and 5%.
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These rates are significantly higher than those of traditional banks. Many of them struggle to compete with these attractive offers. This difference also explains the growing enthusiasm of savers for virtual establishments.
The principle of bank books?
THE online bankswith their competitive and transparent offers, are starting to redefine the rules of the bank book game. They are therefore beginning to overshadow traditional institutions. So how do they attract the attention of savers?
The principle is simple: to attract investors, they offer boosted rates for an initial period of a few months. During this phase, savings generate attractive yield.
For example, the Cashbee booklet offers a 5% rate for the first two months. It goes down to 2.50% once the promotional period ends. For savers looking for short-term returns, this type of booklet seems to be an advantageous choice.
However, those who wish to save over the long term may prefer savings accounts with more stable rates. THE Livret Zesto for example, offers a base rate of 2.75%. It remains slightly higher than the post-promotion rate of Cashbee (2,50 %).
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So, depending on your savings goalonline banks offer a varied range of solutions to make your money grow.
Choose your bank account wisely
A bank account with a boosted rate has appealed to you and would you like to subscribe? However, before committing, take the time to compare the offers. The choice of a savings account is not simply limited to the interest rate. Indeed, according to MoneyVoxseveral criteria must be examined.
First, check the base rate and boosted rate offered by each establishment. But don't stop there! It is crucial to take into account the duration for which the boosted rate is practiced. Also consider the amount on which it applies. These elements of bank books obviously vary depending on the institutions.
As an example, the booklet Cashbee offers a boosted rate of 5% on the 200,000 euros deposited. For his part, the Meilleurtaux booklet offers a boosted rate of 4% with a similar threshold. As for the Zesto booklet, it offers a boosted rate for 3 months for a maximum deposit of 100,000 euros. However, it is imperative to make a minimum payment of 500 euros.
Source : MoneyVox
