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Dieser Erfahrungsbericht zu WeltSparen wurde uns am 09.12.2020 vom Nutzer Servatius Wildinger übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Das Verrechnungskonto bei WeltSparen habe ich Mitte Juni 2019 beantragt. Wenige Tage später war der Onlinezugang eingerichtet. Genutzt habe ich damals das Postident-Verfahren. Nach 2 Jahren muss die Identifikation erneuert werden. Auffälligkeiten gab es nicht; es lief alles glatt und zeitnah ab.
Online kann ich die angelegten Gelder im Überblick und im Detail einsehen. Außerdem kann ich den Stand und die Umsätze des Verrechnungskontos, wobei letzteres für mich überraschenderweise unter dem Begriff "Verwaltung" zu finden ist, überprüfen. Kontaktdaten und Passwort kann ich online ändern, die hinterlegte Handynummer (wegen der mTAN) telefonisch, das Referenzkonto nur schriftlich. Ich logge mich mit meiner E-Mail-Adresse und dem Passwort ein, wobei bei der Eingabe der E-Mail-Adresse nur der Teil vor dem @ automatisch ergänzt wird. Vollständig wäre es komfortabler. Vielleicht wurde das aber aus Gründen der Sicherheit unterbunden.
Angelegt habe ich Festgelder bei Hoist Finance (Schweden) am 18.6.2019, bei Bankhaus Obotritia (Deutschland) am 23.9.2020, bei Grenke Bank (Deutschland) und bei River Bank (Luxemburg) jeweils am 13.11.2020. Das Verfahren war immer eindeutig und übersichtlich. Das Geld überweise ich auf das WeltSparen-Verrechnungskonto. Nach Eingang werden die Anlage-Anträge an die entsprechende Bank weitergeleitet. Die erste Festgeldanlage erfolgte 4 Tage nach dem Antrag. Zusätzliche Dokumente wurden nicht angefordert. Informationen zur Bonität der einzelnen Banken habe ich nicht entdeckt. Eher relevant ist die Bonität des Landes, welches hinter der Einlagensicherung steht. Dieses Rating wird angegeben. Ich kann auch gezielt nach verschiedenen Bonitätsstufen selektieren, wobei "Beste Bonität" hier nicht nur als AAA verstanden wird, sondern bis AA- runter geht. In meinen Fällen waren ausländische Quellensteuern oder spezielle steuerliche Unterlagen kein Thema. Anlagegelder waren bisher noch nicht fällig. Die bisher erste Zinszahlung der Hoist Finance ging pünktlich ein.
Die Anlagebestätigung der River Bank erfolgte nicht so prompt wie bisher gewohnt. Der telefonische Kundenservice bestätigte diesen Eindruck. Kurz darauf erhielt ich den zugesagten Rückruf. In der Zwischenzeit war die Bestätigung auch eingegangen. Tatsächlich lag sie noch im erlaubten Zeitrahmen. Die Mitarbeiterin war freundlich, die Warteschleife dauerte nicht allzu lang.