Multiple accounts at different financial institutions – is that allowed? And how does this affect the Schufa score? An overview. There is no alternative to a current account for participating in cashless payment transactions and processing banking transactions. It serves as a wage and salary account or for cash receipts such as pension or maintenance. … Read more
If owners of a P account want to increase their seizure allowance, they must submit an application to the enforcement court. Here’s how to do it. When expenses consistently exceed your income, debt grows. More and more bills remain unpaid – but at some point creditors want their money back and have your account seized. … Read more
Interest rates for savers remain high, but there are already signs of a turnaround in the trend for fixed-term deposits. Where you can currently get the best conditions. The most important things at a glance The positive real interest rates are back: savers can now compensate for the loss in value caused by inflation with … Read more
Interest rates for savers remain high, both for fixed-term deposits and for overnight money. We show where you can currently get the best conditions for your money. The most important things at a glance The positive real interest rates are back: For the first time in years, savers can compensate for the loss in value … Read more
Holiday pay is a voluntary employer bonus that many employees receive. Are you allowed to use the money if your account is seized? In the event of an existing account seizure, any amount that exceeds the seizure exemption amount will be paid out to the creditors. A so-called P account is required. The seizure protection … Read more
Save a lot of money, pay it off much faster: If you are smart when buying an electric car, you have a few advantages. You just have to pay attention to a few details. The state purchase bonus makes electric cars cheaper by up to 4,500 euros (new regulations since the turn of the year, … Read more
Only a few payment methods are available to everyone without Schufa, the prepayment transfer is one of them. But how does it work and what are the pitfalls? Most online shops also offer prepayment transfer as a payment method. The advantage from your point of view is that no Schufa check is necessary and therefore … Read more
As interest rates rise, the topic of current account accounts becomes more topical. But transfers are often not possible here. What differences there are. To open a current account, you need a checking account. It serves as a reference account and is necessary for transactions. Despite the similar functionality, there are clear differences: Direct transfers … Read more
Which accident insurance makes sense when and what alternatives are there to private and statutory accident insurance? An accident and suddenly you can no longer work – a nightmare scenario for which there is a solution: private accident insurance. However, this is often relatively expensive and does not cover all accidents. It is also important … Read more
Buy Now, Pay Later is becoming increasingly popular. When it comes to deferred payments, consumers need a good sense of the day of reckoning. E-commerce is booming – even if sales in Germany have fallen by around three percent from 86.7 billion euros in 2021 to 84.5 billion euros in 2022. A record value of … Read more