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Dieser Erfahrungsbericht zu WeltSparen wurde uns am 15.10.2022 vom Nutzer grossefrau7 übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Ich nutze Weltsparen seit über vier Jahren. Hauptsächlich nutze ich es für Tagesgelder von nordeuropäischen Banken, die meist etwas höhere Zinsen bieten als die deutschen.
Ein wenig störend ist es, dass es einige Tage dauern kann, bis man an sein Geld kommt. Möchte man Geld vom Tagesgeldkonto abheben, muss es erst auf das Verrechnungskonto von Weltsparen. Erst dann kann man beantragen, es auf das eigene Girokonto bei der Hausbank zu übertragen. Mir wäre es lieb, wenn das Procedere etwas schneller laufen würde.
Auf der Webseite finde ich mich gut zurecht. Dort finde ich auch jährlich eine Aufstellung der Zinserträge, die ich bei der Steuererklärung angeben muss. Denn - das sollte man wissen - die Kapitalertragssteuern werden nicht automatisch abgeführt, wenn die Zinsen bei einer Bank außerhalb Deutschlands erwirtschaftet wurden. Aber das finde ich nicht aufwendig. Man tippt einfach die Zahlen aus der jährlichen Übersicht, die man von Weltsparen bekommt, in die Steuererklärung ein und gut ist.
Wenn man das weiß und in Kauf nimmt, kann ich nichts gegen die Nutzung von Weltsparen sagen. Es hat bisher alles geklappt und wenn das so weiter läuft, werde ich es weiterhin nutzen.