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Dieser Erfahrungsbericht zu WeltSparen wurde uns am 22.04.2018 vom Nutzer Meike übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Am 15.08.2017 habe ich mich bei WeltSparen registriert. Den Eröffnungsprozess empfand ich als sehr effizient. Ich konnte die Unterlagen direkt herunterladen und ausdrucken und habe mich dann via Postident bei einer selbstgewählten Postfiliale verifiziert. Ab dem 18.08.2017 stand mir der Online-Login bei WeltSparen zur Verfügung, sodass ich bereits an diesem Datum meine erste Anlage, ein sechsmonatiges Festgeld bei der Wyelands Bank, abschließen konnte.
Die Kontoeröffnung empfand ich als selbsterklärend und problemlos. Alle notwendigen Unterlagen und die Anlagebestätigung standen mir am gleichen Tag in meinem elektronischen Postfach zur Verfügung. Weitere Unterlagen musste ich nicht einreichen, da diese für mich nicht erforderlich waren. Die Auszahlungen erfolgten fristgerecht und es gab für mich keinerlei Schwierigkeiten.
Ich finde die Online-Plattform sehr übersichtlich gestaltet und klar strukturiert. Die wesentlichen Informationen finde ich direkt auf der Startseite. Ich habe auf dieser einen Überblick über all meine getätigten Anlagen und mittels einer Menüauswahl kann ich die Details zu den aktuellen Anlagen einsehen sowie Anlageangebote, die Postbox und meine Kontoverwaltung abrufen. Über die Umsatzanzeige im Menüpunkt „Verwaltung“ kann ich Zahlungsdetails zu jeder Transaktion abrufen. Die Sicherheit entspricht aus meiner Sicht den aktuellen Standards. Die Seite verfügt über einen 15-minütigen Timer, der mich nach Ablauf der Zeit automatisch ausloggt, wenn keine Aktion erfolgt.
Ein paar Nachteile sind mir bei der Plattform jedoch aufgefallen. Die Versteuerung der Zinserträge, bei denen kein Quellensteuerabzug erfolgt, muss ich selbst über die Einkommensteuererklärung vornehmen. Weiter ist es, wenn ich einmal eingeloggt bin, sehr schwer zu erkennen, bei welchen Banken ein Quellensteuerabzug erfolgt. Die Information über einen möglichen Quellensteuerabzug ist für mich lediglich im nicht eingeloggten Zustand ohne Weiteres erkennbar. Im eingeloggten Zustand muss ich diese Information im Produktinformationsblatt suchen. Das Produktinformationsblatt ist ein PDF-Dokument, somit muss ich mehrere Dokumente gleichzeitig öffnen, um einen Überblick über die Steuersituation aller Anlagen zu erhalten.
Zusätzlich finde ich den Prozess zur Reduktion des Quellensteuerabzugs (Einreichung einer Ansässigkeitsbescheinigung nach Bestätigung durch das Finanzamt) sehr aufwendig. Die steuerrelevanten Unterlagen wurden mir in meiner Postbox zur Verfügung gestellt. Diese musste ich ausgedruckt an das Finanzamt schicken und nach Erhalt wiederum an WeltSparen senden. Falls ich mehrere Anlagen bei einer ausländischen Bank getätigt habe, war es mir nicht ersichtlich, ob die Ansässigkeitsbescheinigung einmalig oder pro Anlage eingereicht werden muss.
Mit dem Service des Anbieters hatte ich bereits via Telefon Kontakt. Hierbei ging es beispielsweise um die o. g. Einreichung der Ansässigkeitsbescheinigungen. Der Kontakt war stets freundlich und kompetent. Auch mit der Erreichbarkeit bin ich zufrieden, in weniger als 5 Minuten hatte ich einen Mitarbeiter am Telefon.