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Dieser Erfahrungsbericht zu Savedo wurde uns am 04.03.2016 vom Nutzer EineAnlegerin übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich habe über Kritische-Anleger.de im November 2015 ein Konto bei Savedo eröffnet. Die Kontoeröffnung empfand ich damals als unerwartet zeitaufwendig und umfangreich. Es bedurfte meinerseits Rückfragen bei der Savedo-Hotline, welche aber streckenweise einen überforderten Eindruck auf mich machte. Stutzig gemacht hatte mich auch, dass von dem Bonus in den Kontoeröffnungsunterlagen keine Rede mehr war. Laut Hotline sei dies aber normal. Man hatte das Ganze wohl automatisch im System vermerkt.
Im Zuge der Kontoeröffnung habe ich mich für eine 1,5-jährige Festgeldanlage bei der portugiesischen Banco Privado Atlântico Europa entschieden. Die Anlage an sich funktionierte insgesamt problemlos. Insgesamt dauerte es dann aber bis zur finalen Festgeldbestätigung ganze 22 Tage, was ich als recht lang empfand.
Die eigentlichen Probleme fingen mit dem Ausfüllen des Steuerformulars zur Reduzierung der Quellensteuer von 28 % auf 15 % an. Savedo verwies mich dazu auf ein Formular auf der Webseite des Bundeszentralamtes für Steuern. Mein Finanzamt sah sich mit dem Ausfüllen dieses Formulars aber genauso wie ich überfordert, da es nur schwer verständlich und zudem nur auf Portugiesisch und Englisch verfasst ist. Anrufe bei Savedo mit der Bitte um Hilfestellung wurden unfreundlich abgewimmelt. Man dürfe keine Steuerberatung anbieten hieß es lapidar.
Mittlerweile verweist Savedo meiner Meinung nach auf ein anderes Formular (Mod. 21 - RFI stattPortugal - Mod. 24) und bietet eine deutsche Übersetzung der portugiesischen Ausfüllhilfe an. Diese hilft aber nur bedingt weiter, da sie zum einen handwerklich schlecht gemacht ist und zum anderen viele Fragen offen lässt. Nach einem erneuten Anruf bei der Hotline wurde immerhin klar, dass Savedo die portugiesische Steuernummer (TIN) für mich beantragen würde. In etwas weniger als einer Woche erhielt ich dann tatsächlich auch die TIN in meine Postbox.
Ich muss das Formular nun noch einmal ausfüllen und an mein Finanzamt schicken. Ich hoffe, es geht dieses Mal alles glatt.
Das Onlinebanking empfinde ich insgesamt als nicht besonders übersichtlich. Der gutgeschriebene Bonus war für mich zunächst nicht sichtbar. Auf Nachfrage wurde mir gesagt, dass er vorliege und einsehbar wäre. Meiner Ansicht nach wird er aber nur sehr versteckt angezeigt.
Insgesamt bin ich von Savedo was Kontoeröffnung, Onlinebanking und insbesondere die Unterstützung bei den steuerlichen Aspekten angeht, enttäuscht. Ich hatte mir das Ganze wesentlich einfacher vorgestellt.