Consorsbank overnight money experiences: this is what customers say | Ftd.de

Our experiences with the Consorsbank overnight money (Photo: Freepik)

A call money account offers a safe way to invest money flexibly – without price risks and with daily availability.

But not every offer is the same. The Consorsbank is one of the best -known direct banks in Germany and offers a call money account with variable interest. But how satisfied are customers with that Consorsbank’s call money account?

Is the system worth, how good are the conditions and how easy is the account managed? #

This article is about real customer opinions, experience reports and the most important advantages and disadvantages of the offer.

Experiences with the Consorsbank overnight money: This is what customers say about the offer

A call money account is one of the simplest and safest options, money flexible to create and get interest.

The Consorsbank belongs to the leading direct banks in Germany and offers a combination of attractive interest, high security and simple administration.

Particularly New customers benefit from an above -average interest ratewhile existing customers are convinced of the solid security and digital services of the bank. But how did customers rate the offer as a whole? What strengths and weaknesses does the Consorsbank have a call money account?

Customer opinions show Overall positive pictureespecially for interest, security and account management. Some criticisms primarily affect the Interest conditions after the new customer phase and customer service.

A closer look at the experiences helps to make a well -founded decision.

Positive experiences with the Consorsbank call money account

Many customers praise them attractive conditions, the simple use and the high security of the account. Have particularly new customers clear advantagesbut also existing customers benefit from the solid infrastructure of the Consorsbank.

Attractive interest for new customers

• Received new customers 3.25 % PA for the first three monthseven with special actions Up to 3.5 % PA
• Deposits up to 1 million euros Benefit from this interest rate – ideal for customers with larger savings.
• The quarterly interest credit ensures a small compound interest effect, since interest is regularly reinvested.

High security through legal and voluntary protection

• Insoles are up to 100,000 euros per customer.
• In addition, the Consorsbank is a member of the Settlement security fund of the Federal Association of German Banks eVwhat an extended protection of Up to 15 % of the bank’s equity enables.
• As established German direct bank with BNP-Paribas background The Consorsbank is one of the particularly trustworthy financial institutions.

Flexibility and comfortable account management

• No minimum insert requiredthe account can be used with any amount.
• Available at any time – Insoles can be canceled or transmitted daily.
• Completely free account managementno hidden fees.
• Simple account opening in a few minuteswith Fast legitimation by video identification.

Modern banking apps and good digital service

• The Consorsbank app belongs to the best banking apps in the market and receives very good reviews:
  • Apple App Store: 4.0/5 stars (over 10,000 reviews)
  • Google Play Store: 3.8/5 stars (over 19,000 reviews)
• The Clearness, easy operation and quick transfers.

Additional advantages for customers

• New customers benefit from Special promotionse.g. B. premiums from up to 40 euros With certain deposit heights.
• Existing customers also receive regular offers and interest rate increases when the market environment improves.

Criticism: Consorsbank Conditions have potential for improvement

Despite the many advantages, there are some areas in which customers Potential for improvement see.

Interest after the new customer phase lower

• The High new customer interest of 3.25 % PA only applies to three monthsthen he stands out 1.0 % PA for existing customers.
• Some customers would have A longer interest guarantee or a better model for existing customers desired.

Customer service with mixed reviews

• Some customers report longer processing times for inquiriesespecially with more complex topics.
• The Accessibility of customer service is rated differently – while many customers have had good experiences, there are also reports on waiting times.
• The Trust pilot rating of the Consorsbank (1.4/5 stars) However, it is not representative only for the call money account, but refers to all the bank’s services.

Quarterly instead of monthly interest credit

• The quarterly payment payment is generally positive because it increases the compound interest effect.
• However, some customers would Wish monthly interest creditsas you offer some other banks.

Sometimes tied to depot

• In some cases that will Condition account only offered in combination with a securities depot.
• For customers who only want to use a call money account, this could be an unnecessary hurdle.

Consorsbank overnight money Experience: Customer reviews at an overview

The customer opinions are positive overall, especially with Interest, security and app functionality.

The customer service will partly criticizedhowever, this depends heavily on the individual concern.

The app and online banking will be overall very positively ratedwhile the Accessibility of customer service One area is in which the bank could still improve.

So we rate the overnight money from the Consorsbank

The Account opening was lightning -fast – done in a few minutes, by Videoident without paperwork.

The account was still usable on the same day. It couldn’t be easier.

The administration runs Without easy via online banking and the app. Everything is clear, bookings are processed quickly. Especially the Consorsbank app convinced – easy to use and reliable.

The Interest is great for new customers: 3.25 % PA for three monthspartly Up to 3.5 % in actions. After the new customer phase If the sentence is noticeable 1.0 % PAwhat is solid but not outstanding. For Short -term savings save a great choice. High security, easy use, top app – and one of the best new customer interest on the market. If you want to save in the long term, you should look around for the interest phase.

Conclusion: Is the Consorsbank worthwhile?

The Consorsbank Conditional account is an excellent choice, especially for new customers. The high interest rate of 3.25 % PA for three months is one of the best offers on the market, and also the High security, easy use and modern banking apps Make the account attractive.

For Short -term systems are ideal for the offerbecause the combination of High interest rates, daily availability and free account management is optimal for flexible savings targets.

For Long -term savers could be a little too low after the new customer phaseespecially when other providers offer more stable conditions.

For whom is the Consorsbank IDEAL CONSORSBEND IDEAL?

• New customers who want to secure high interest rates for three months
• Savers who are looking for a safe and flexible investment
• People who prefer a well-rated online and app banking

Who could it fit for?

• Customers who are looking for high interest rates in the long term
• Investors who prefer monthly interest credits
• People who value particularly fast customer service

The Consorsbank call money account is a strong option for New customers and short -term investorsthe one of a High interest rate and high security want to benefit. In the long term, a comparison with other providers is worthwhile, but whoever Searches for digital and uncomplicated savings solution is in good hands here.