| Interest | Effective rate for a 12-month term | -
•
≥ 3.0% p.a. = full points
-
•
≥ 2.5% = 16 points
-
•
≥ 2.0% = 12 points
-
•
≥ 1.5% = 8 points
-
•
≥ 1.0% = 4 points
-
•
< 1.0% = 0 points
| 20 |
| Interest rate for longer terms (24 to 60 months) | -
•
Well above market average = full points
-
•
Standard market level = 7 points
-
•
Below market average = 3 points
-
•
No terms over 12 months offered = 0 points
| 12 |
| Interest crediting and compound interest | -
•
Annual crediting with compound interest = full points
-
•
Annual crediting without compound interest = 5 points
-
•
Credited only at the end of the term = 2 points
| 8 |
| Deposit protection & credit rating | Deposit protection scheme | -
•
German statutory protection plus voluntary deposit protection fund = full points
-
•
Statutory EU protection of €100,000 in the home country = 8 points
-
•
Protection outside the EU or unclearly documented = 0 points
| 12 |
| Credit rating of the home country | -
•
AAA to AA = full points
-
•
A = 6 points
-
•
BBB = 3 points
-
•
Worse than BBB = 0 points
| 8 |
| Supervision and transparency | -
•
Supervision and protection scheme publicly verifiable = full points
-
•
Only partly documented = 2 points
-
•
No reliable information found = 0 points
| 5 |
| Conditions | Minimum investment | -
•
≤ €1,000 = full points
-
•
≤ €5,000 = 5 points
-
•
≤ €10,000 = 3 points
-
•
> €10,000 = 0 points
| 8 |
| Maximum investment | -
•
At least €100,000 (level of deposit protection) = full points
-
•
≥ €50,000 = 2 points
-
•
< €50,000 = 0 points
| 4 |
| Choice of terms | -
•
At least five terms from 3 to 60 months = full points
-
•
Three to four terms = 5 points
-
•
Two terms = 3 points
-
•
Only one term = 0 points
| 8 |
| Processing & service | Account opening (identification and duration) | -
•
Fully digital via VideoIdent or eID = full points
-
•
Digital with PostIdent = 3 points
-
•
By post only = 0 points
| 6 |
| Management (direct or via deposit platform) | -
•
Opened directly with the bank with its own customer portal = full points
-
•
Opened via a deposit platform with portal access = 3 points
-
•
No online management = 0 points
| 5 |
| Handling of foreign withholding tax | -
•
No withholding tax or automatic exemption = full points
-
•
Withholding tax applies, refund is supported = 2 points
-
•
Withholding tax applies, reclaim must be done yourself = 0 points
| 4 |
