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Dieser Erfahrungsbericht zu Savedo wurde uns am 26.03.2015 vom Nutzer JanaK übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich bin Mitte März 2015 über die Zinsvergleichsseite von Kritische-Anleger.de auf das Angebot der J&T Banka aufmerksam geworden. Konkret habe ich mich für das 24-monatige Festgeld entschieden, welches für diese Laufzeit zu dem Zeitpunkt das Festgeld mit dem höchsten Zins war (2,0 % pro Jahr). Ich hatte vor dem Abschluss den Kundendienst von Savedo kontaktiert, um mir das Konstrukt mit der biw Bank und der J&T Banka erklären zu lassen. Die Mitarbeiterin am Telefon war sehr freundlich und hat mir danach auch nochmal eine E-Mail zu meinen Fragen geschrieben, was mich letztendlich überzeugt hatte.
Die Antragstellung ist meiner Meinung nach benutzerfreundlich und übersichtlich gemacht. Ich musste nur die üblichen Informationen für eine Kontoeröffnung in Deutschland angeben. Gut fand ich an dieser Stelle, dass mir rechts in einem blauen Kasten immer erklärt wurde, warum ich die Informationen angeben muss und ob sie zwingend erforderlich sind. Danach musste ich das fertige PDF-Dokument ausdrucken, unterschreiben und das Postident durchführen. Dieses Verfahren war mir bereits von meinem Bankkonto bei einer Direktbank bekannt.
Nach 3 Tagen kam dann die Post der biw Bank zur Eröffnung meines Verrechnungskontos. Darin standen meine Kontonummer und die Zugangsdaten für das Onlinebanking. Nun sollte ich innerhalb von 3 Tagen meinen Betrag für das Festgeld auf das Konto überweisen. Das tat ich dann auch und habe 2 Tage später eine E-Mail von Savedo erhalten, dass mein Geld auf dem Verrechnungskonto eingegangen ist. Wiederum 2 Tage später kam dann die Nachricht, dass das Festgeld bei der J&T Banka eröffnet wurde und damit auch die Laufzeit begann. Zum Schluss habe ich noch ein Dokument per Post erhalten, in dem noch einmal alle Eckdaten meines Festgeldkontos für mich zusammengefasst wurden.
Alles in allem kann ich das Festgeld der J&T Banka durchaus weiterempfehlen. Die Anmeldung bei Savedo war einfach und die Beratung am Telefon für mich persönlich sehr hilfsreich. Die Eröffnung des Festgeldes hat bei mir ingesamt ca. 8 Tage gedauert. Der Prozess könnte in meinen Augen noch etwas schneller sein. Die höhere Rendite war mir persönlich aber die Geduld wert, da die Konditionen meiner Ansicht nach zu den derzeit besten am Markt zählt.