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Dieser Erfahrungsbericht zu Zinspilot wurde uns am 19.05.2017 vom Nutzer baery übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Kontoeröffnung
Ich habe im Mai 2017 ein Konto bei Zinspilot eröffnet. Das Postident hatte dabei wie bei jeder Bank funktioniert. Nach ca. einer Woche war der Zugang freigeschaltet und meine Tagesgeldanlage bei der Oney Bank bestätigt. Die Eröffnung war für mich insgesamt verständlich und positiv. Sie funktionierte prima.
Online-Verwaltung und Kundenservice
Sofort habe ich einen größeren Geldbetrag auf das Tagesgeldkonto eingezahlt. Dazu habe ich die Sofortüberweisung benutzt. Das Geld wurde am gleichen Tag auf das Zinspilot-Konto gutgeschrieben.
Nach meiner Überprüfung, was mit dem Geld passiert ist, habe ich festgestellt, dass unter der Rubrik „Meine Anlagen“ - „Umsätze/Verwalten“ der Vermerk „Eingreifen erforderlich" zu sehen war. Da ich hier weder eine Anweisung noch einen Button sah, habe ich den Kundenservice kontaktiert. Die Rückmeldung vom Kundenservice per E-Mail hatte ca. 1 Woche gedauert. Darin hatte mir der Mitarbeiter verständlich geklärt, was ich unter den Einstellungen noch vornehmen muss. Hier hätte ich mir direkt im Online-Banking einen Hinweis gewünscht, der (wie in der Antwort-E-Mail) erklärt, was zu tun ist. Auch eine E-Mail an den Anleger mit einer Anleitung, was er tun muss, wäre denkbar gewesen.
Fazit
Ich kannte diese Form der gleichzeitigen Anlage bei vielen Banken über einen Anbieter noch nicht. Ich bin deshalb positiv überrascht und gespannt, wie es weiter geht. Steuerliche Dinge habe ich bisher nicht benötigt und weitere Informationen ebenfalls nicht.
Bisher hatte alles gepasst und geklappt.