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Dieser Erfahrungsbericht zu WeltSparen wurde uns am 13.09.2016 vom Nutzer KSebastian übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Anfangs war ich skeptisch, was das Sparen und Investieren im Ausland betrifft. Mit WeltSparen habe ich aber eine Möglichkeit gefunden, als Sparer strukturiert und übersichtlich bei diversen ausländischen Banken Geld anzulegen.
Die Anmeldung führte ich Anfang Juli 2016 über ein Cashback-Portal durch. Die Daten, die abgefragt wurden, waren für mich nicht zu viel. Ich konnte sie leicht und unmissverständlich eingeben. Ich führte auch Videoident durch, was ich als sehr simpel und schnell empfand. Danach musste ich nur noch 2-3 Tage auf die PIN warten, um mich einloggen zu können.
Im Onlinebanking finde ich die Kategorisierung in Angebote, Meine Anlagen und Verwaltung sehr einfach zu überblicken. Toll finde ich die übersichtliche Darstellung der Angebote nach Laufzeit, Betrag, Art (also ob Tages-, Fest- oder Flexgeld). Auch die Informationen zur Bank und ein detailliertes, deutschsprachiges Begleitdokument in PDF-Form finde ich super.
Das Überweisen und Abschließen von Anlagen fand ich nicht sonderlich schwer. Es dauerte bei mir jeweils 2 Tage. Aktuell besitze ich eine Anlage bei der österreichischen Euram Bank. Heute kam die Bestätigung für eine Flexgeld-Anlage bei der Alior Bank aus Polen.
Etwas schade finde ich, den höheren Aufwand infolge der Quellensteuer, aber dafür kann WeltSparen ja nichts. So weit ich weiß kann ich (je nach Bank und Land) per erhaltenem Formular einen Antrag auf Steuerreduzierung stellen: z. B. von 30 % auf 0 %. Das bedeutet für mich auch einen kleinen Mehraufwand in der Steuererklärung. Aber wer sich, wie ich, mit ausländischen Anlagen beschäftigt, nimmt auch dies in Kauf.
Toll finde ich den Service, mich frühzeitig per E-Mail zu informieren, wenn Zinskürzungen anstehen und sogar den Zeitpunkt zu nennen, zu dem ich überweisen sollte, um noch die besseren Konditionen zu erhalten. Hier merke ich die Trennung zwischen Bank und Portal. Auch Aktionen wie 50 € bei Abschluss einer weiteren Anlage oder 75 € Willkommensbonus finde ich gute Anreize.
Gut gefällt mir auch, dass zwischenzeitlich das Portfolio deutlich ums Tagesgeld und Flexgeld erweitert wurde. Das Flexgeld kannte ich von Direktbanken oder Filialbanken nicht. Das finde ich echt eine tolle Sache. So wie ich das erlebt habe, gibt es dabei eine gute Verzinsung: bei einer Laufzeit von mehr als 1 Jahr grob gesagt 0,5 %, (Stand: September 2016). Bei einer Kündigung vor 1 Jahr aber meist nichts. Das kann sich meiner Meinung nach sehen lassen.
Mit dem Kundenservice hatte ich bis dato nur wegen der Quellensteuer Kontakt. Hier kam mir die Antwort leider etwas verhalten und barsch vor. Das fand ich nicht so gut, aber noch akzeptabel.
Unterm Strich bereue ich die Kontoeröffnungen nicht. Jedoch empfehle ich, genau abzuwägen, in welche Länder man investiert. Hier ist etwas Glück, Sachverstand und Recherche nötig. Das Portal liefert mir einige Informationen, dennoch finde ich eine unabhängige Meinung oftmals besser.