{"id":4877,"date":"2023-02-06T21:32:55","date_gmt":"2023-02-06T20:32:55","guid":{"rendered":"https:\/\/www.sparweise.de\/weltsparen-experience\/"},"modified":"2023-10-12T20:45:00","modified_gmt":"2023-10-12T18:45:00","slug":"weltsparen-experiences","status":"publish","type":"post","link":"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/","title":{"rendered":"Weltsparen Experiences, Guide, Advantages, Risks, High Interest Rates"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/08\/Titelbild_English-8-1024x538.jpg\" alt=\"World savings experience\" class=\"wp-image-3260\"\/><\/figure>\n\n\n\n<p>Experiences with Weltsparen: Are you looking for information about Weltsparen and would like to know whether it is worth opening a <strong>fixed-term deposit or instant access account<\/strong> there? Then you&#8217;ve come to the right place! In this blog article, we will take an in-depth look at the Weltsparen platform and provide you with all the important information, <strong>testimonials<\/strong>, <strong>instructions<\/strong>, <strong>pros<\/strong> and cons so that you can make an informed decision.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register here for free and get high interest*<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a14b80a38b04\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a14b80a38b04\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#What_is_Weltsparen\" >What is Weltsparen?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Is_Weltsparen_Reputable\" >Is Weltsparen Reputable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Step_by_Step_Guide\" >Weltsparen Step by Step Guide<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Open_a_Weltsparen_Account\" >Open a Weltsparen Account:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Verify_your_Identity\" >Verify your Identity:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Transfer_Money_to_your_Weltsparen_Account\" >Transfer Money to your Weltsparen Account:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Choose_a_Savings_Product\" >Choose a Savings Product:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Make_your_First_Investment\" >Make your First Investment:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Confirm_the_Attachment\" >Confirm the Attachment.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Advantages_-_Experiences\" >Weltsparen Advantages - Experiences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Disadvantages_-_Experiences\" >Weltsparen Disadvantages - Experiences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Which_Weltsparen_Products_are_Available\" >Which Weltsparen Products are Available?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Investment_Products\" >Investment Products<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#How_Much_are_the_World_Savings_Interest_Rates\" >How Much are the World Savings Interest Rates?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Risks_-_Experiences\" >Weltsparen Risks - Experiences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Is_there_a_Weltparen_App\" >Is there a Weltparen App?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Tax_Certificate\" >Weltsparen Tax Certificate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Exemption_Order\" >Weltsparen Exemption Order<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltparen_Sparkasse\" >Weltparen &amp; Sparkasse<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Weltsparen_Alternatives\" >Weltsparen Alternatives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Conclusion_Weltsparen_-_Experiences\" >Conclusion Weltsparen - Experiences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/#Top_3_Providers_for_your_Investment\" >Top 3 Providers for your Investment<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Weltsparen\"><\/span><strong>What is Weltsparen?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\">Weltsparen<\/a><\/strong>* is a platform of <strong>Raisin GmbH<\/strong>, a leading provider of direct banking savings products in Europe. Weltsparen allows customers to <strong>open time deposit and overnight deposit accounts with European banks<\/strong> and benefit from <strong>high interest rates.<\/strong> In this context, Raisin (in the form of Raisin Bank in Frankfurt am Main) acts as an intermediary, handling the transfer of customer deposits to the foreign banks and the management of these accounts. The advantage of this is that you do <strong>not have to open your own account<\/strong> with these banks. You just need to register with Weltsparen, transfer your money and then it can be invested directly with a European bank. In addition to savings products, Weltsparen also offers <strong>its own investment products such as ETFs<\/strong> that you can save on.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Weltsparen_Reputable\"><\/span><strong>Is Weltsparen Reputable?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, Weltsparen is a reputable online service operated by Raisin GmbH, a leading provider of direct banking savings products in Europe. The platform has been in operation since 2013 and has since helped thousands of customers invest their money safely and profitably.<\/p>\n\n\n\n<p>Raisin acts as an intermediary and works only with regulated and licensed banks. In addition, all deposits are protected by the <strong>legal deposit guarantees<\/strong> of the respective European banks, which means that in case of bank insolvency, the deposits are protected up to a certain amount (usually <strong>\u20ac100,000<\/strong>). Even if Weltsparen goes bankrupt and you have money directly on the platform, your money is protected by the deposit insurance (because the money is not directly with Weltsparen, but with the Raisin Bank in Frankfurt am Main).<\/p>\n\n\n\n<p>Weltsparen says it pursues high data security and uses advanced security technologies to protect its customers&#8217; personal and financial information. In addition, the platform has been awarded the <strong>Trustpilot certificate<\/strong>, where it receives an average rating of 4.1\/5 stars based on users&#8217; Weltsparen experiences.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full image-border\"><img decoding=\"async\" width=\"535\" height=\"89\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/3.jpg\" alt=\"Weltsparen certificate\" class=\"wp-image-3252\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/3.jpg 535w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/3-300x50.jpg 300w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/><figcaption class=\"wp-element-caption\">Trustpilot certificate from Weltsparen<\/figcaption><\/figure>\n\n\n\n<p>Overall, my experience with Weltsparen has been good. I classify Weltsparen as a reputable and secure platform operated by an experienced and regulated provider that maintains high standards of data protection and customer security. Nevertheless, you should always carefully inform yourself about the risks and conditions of each savings product before investing your money.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register here for free and get high interest*<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weltsparen_Step_by_Step_Guide\"><\/span><strong>Weltsparen Step by Step Guide<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Registration with Weltsparen is generally very simple and straightforward. All you have to do is fill out an online form and then <strong>verify your identity.<\/strong> After that, you can already deposit your first money and invest it in savings or investment products.<\/p>\n\n\n\n<p>You need to perform the following steps:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Open_a_Weltsparen_Account\"><\/span><strong>Open a Weltsparen Account:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large image-border\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"51\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/6-1024x51.jpg\" alt=\"Open Weltsparen Account\" class=\"wp-image-3253\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/6-1024x51.jpg 1024w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/6-300x15.jpg 300w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/6-768x38.jpg 768w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/6.jpg 1190w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>1. Go to the website of Weltsparen and click there on<em>&#8220;Become a customer&#8221;.<\/em><\/p>\n\n\n\n<p>2. Enter your email and personal information, including your name, address, date of birth and contact information.<\/p>\n\n\n\n<p>3. Set a secure password for your account.<\/p>\n\n\n\n<p>4. Read and accept the terms of use and privacy policy.<\/p>\n\n\n\n<p>5. Check and confirm your information.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Verify_your_Identity\"><\/span><strong>Verify your Identity:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>6. Verify your identity by uploading a valid ID and an invoice with your address.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transfer_Money_to_your_Weltsparen_Account\"><\/span><strong>Transfer Money to your Weltsparen Account:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Log in to your Weltsparen account.<\/p>\n\n\n\n<p>8. deposit money from your checking account to your Weltsparen account using your Weltsparen IBAN.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Choose_a_Savings_Product\"><\/span><strong>Choose a Savings Product:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>9. Click on<em>&#8220;Call money&#8221;<\/em> or <em>&#8220;Time deposit&#8221;<\/em>, depending on which savings product you want to select.<\/p>\n\n\n\n<p>10. Select the desired savings product, for example, a call money account at a specific bank.<\/p>\n\n\n\n<p>Read the terms and conditions carefully.<\/p>\n\n\n\n<p>Click on <em>&#8220;Create now&#8221;.<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Make_your_First_Investment\"><\/span><strong>Make your First Investment:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>13. Specify the Desired Investment Amount. You may need to provide some additional information and confirm legal notices.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Confirm_the_Attachment\"><\/span><strong>Confirm the Attachment.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Go to the TAN entry and confirm the attachment.<\/p>\n\n\n\n<p>Congratulations, you have opened your first savings product at Weltsparen!<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Notice:<\/mark><\/strong> Please note that the exact steps may vary depending on the savings product. It is therefore important to carefully read the terms and conditions of each savings product before investing your money.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register here for free and get high interest*<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Weltsparen Advantages &#8211; Experiences<\/strong><\/h2>\n\n\n\n<p>Weltsparen offers you a variety of benefits that are worth mentioning. Here are the most important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest:<\/strong> One of the biggest advantages of Weltsparen is that you can benefit from attractive interest rates. Compared to German or US banks, the European partner banks often offer higher interest rates on your invested money.<\/li>\n\n\n\n<li><strong>Variety:<\/strong> You have the possibility to choose from a wide range of banks and investment products. This gives you the freedom to choose the offer that suits you best and invest your money in the product that suits you best.<\/li>\n\n\n\n<li><strong>Costs:<\/strong> Weltsparen is a free provider and does not charge any fees for registration or account use.<\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Weltsparen offers you the possibility to withdraw your money from the platform at any time without notice periods (of course, only as long as the money is with Weltsparen -meaning Raisin Bank- and is not permanently invested). In addition, you can also change your investment conditions or cancel your account at any time.<\/li>\n\n\n\n<li><strong>Simplicity:<\/strong> My experience with Weltsparen has been positive, partly because registering with Weltsparen is simple and straightforward. You can sign up from the comfort of your home and don&#8217;t have to worry about long bank visits or paperwork.<\/li>\n\n\n\n<li><strong>Security:<\/strong> All European partner banks of Weltsparen are protected by the European Deposit Guarantee Fund. This means that your money is protected up to the amount of 100,000 euros in case the bank gets into financial difficulties.<\/li>\n\n\n\n<li><strong>Overview:<\/strong> Through the Weltsparen platform or the Weltsparen app, you have an overview of your investment and the developed return at any time.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Weltsparen Disadvantages &#8211; Experiences<\/strong><\/h2>\n\n\n\n<p>Even though my Weltsparen experiences are basically positive, and Weltsparen is a good platform on balance, there are also some disadvantages that you should know before you make an investment. Here are the biggest drawbacks you should be aware of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees:<\/strong> Although Weltsparen itself is free, there may be fees at the banks where you open your accounts. Make sure you find out about all possible fees beforehand to avoid any nasty surprises.<\/li>\n\n\n\n<li><strong>Risks due to regulation,<\/strong> jurisdiction, poor credit rating and currency of the respective country<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_Weltsparen_Products_are_Available\"><\/span><strong>Which Weltsparen Products are Available?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Various investment products are available at Weltsparen:<\/p>\n\n\n\n<p><strong>Savings products<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Instant access account:<\/strong> This is a flexible and daily available investment option with variable interest rates.<\/li>\n\n\n\n<li><strong>Fixed deposit account:<\/strong> This is a long-term investment option with a fixed interest rate for a specified period of time.<\/li>\n\n\n\n<li><strong>Notice money<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Investment_Products\"><\/span><strong>Investment Products<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>ETF savings plans:<\/strong> Weltsparen also offers savings for <strong>ETF portfolios<\/strong> with which you can track the stock market. With <em>&#8220;Raisin Crypto&#8221;<\/em> you also have the opportunity to invest in the crypto sector. In terms of investment products, I could hardly gather any experience with Weltsparen, but I would always use a broker for <strong>saving ETFs<\/strong>, such as <strong><a href=\"https:\/\/ref.trade.re\/bx9g59xg\" target=\"_blank\" rel=\"noreferrer noopener\">Trade Republic*<\/a><\/strong>, which is particularly favorable with costs of just \u20ac1 per purchase or sale. <a href=\"https:\/\/www.sparweise.de\/en\/trade-republic-experiences\/\"><strong>Here is a detailed test and experience report on Trade Republic<\/strong>.<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Much_are_the_World_Savings_Interest_Rates\"><\/span><strong>How Much are the World Savings Interest Rates?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>According to my experience, the amount of interest at World Savings depends on various factors, such as the type of savings product, the duration of the investment and the interest rate level of the respective country.<\/p>\n\n\n\n<p>In general, the time when you got practically 0% interest on call money is over. As of August 2023, you <strong>already<\/strong> earn up to <strong>3% interest<\/strong> per year on overnight deposits. And for <strong>fixed-term deposits<\/strong> (1-year term) already <strong>4.0%.<\/strong><\/p>\n\n\n\n<p>Since at Weltsparen, as a savings product provider, you have a very wide choice of banks from different countries, you can always pick the best offer and make sure that no interest gains slip through your fingers.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large image-border\"><img decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/4-1024x559.jpg\" alt=\"Weltsparen interest\" class=\"wp-image-3254\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/4-1024x559.jpg 1024w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/4-300x164.jpg 300w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/4-768x419.jpg 768w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/4.jpg 1164w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">The best Weltsparen daily deposit accounts<\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register here for free and get high interest*<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Weltsparen Risks &#8211; Experiences<\/strong><\/h2>\n\n\n\n<p>Experiences with Weltsparen shows that risks that may occur when investing money through Weltsparen are the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Market Risk:<\/strong> Interest rates and prices may fluctuate due to changes in the financial market.<\/li>\n\n\n\n<li><strong>Currency Risk:<\/strong> When you invest in assets denominated in foreign currencies, currency risk is present because the exchange rate can change.<\/li>\n\n\n\n<li><strong>Default Risk:<\/strong> There is a risk that the bank with which you have invested a fixed-term deposit may no longer be able to make its payments (in this case, however, the deposit guarantee of \u20ac100,000 applies).<\/li>\n\n\n\n<li><strong>Government Bankruptcy:<\/strong> A government bankruptcy in a country in which you have invested your money can lead to a total loss of your investment. Therefore, you should only invest in countries that have a high credit rating (AAA).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_there_a_Weltparen_App\"><\/span><strong>Is there a Weltparen App?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, there is a Weltsparen app that allows you to manage your investments on the go. The app is <strong>free<\/strong> and easy to use and available for iOS and Android devices. My experience with the Weltsparen app has been mostly positive. Even though it doesn&#8217;t include all the features as the web version, it is a convenient and secure way to manage your assets and stay up to date.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large image-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"311\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/5-1024x311.jpg\" alt=\"Weltsparen app\" class=\"wp-image-3255\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/5-1024x311.jpg 1024w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/5-300x91.jpg 300w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/5-768x234.jpg 768w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/5.jpg 1322w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weltsparen_Tax_Certificate\"><\/span><strong>Weltsparen Tax Certificate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Weltsparen offers its investors an <strong>annual tax report<\/strong>, which they need for their <strong>tax return<\/strong>. This annual overview contains all relevant information on investments with foreign partner banks, including the amount invested, interest and duration of the investment.<\/p>\n\n\n\n<p>You can <strong>download<\/strong> the overview with the relevant tax information <strong>as a PDF<\/strong> in your Weltsparen account. To do this, proceed as follows:<\/p>\n\n\n\n<p>Click on <em>&#8220;My Weltsparen&#8221;<\/em> &#8211;&gt; <em>&#8220;News&#8221;<\/em> &#8211;&gt; there you will find the annual overview of the desired year.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full image-border\"><img loading=\"lazy\" decoding=\"async\" width=\"455\" height=\"428\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/1.jpg\" alt=\"Weltsparen tax certificate\" class=\"wp-image-3256\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/1.jpg 455w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/1-300x282.jpg 300w\" sizes=\"(max-width: 455px) 100vw, 455px\" \/><figcaption class=\"wp-element-caption\">Weltsparen annual overview for tax return<\/figcaption><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weltsparen_Exemption_Order\"><\/span><strong>Weltsparen Exemption Order<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>At Weltsparen, you also have the option of issuing an exemption order. This is an agreement with the tax office whereby the final withholding tax is automatically deducted by the credit institution. This saves you the trouble of calculating and paying the tax yourself every year.<\/p>\n\n\n\n<p>Whether or not you can place an exemption order depends on the facility and the location of the facility. In general, Weltsparen distinguishes between <strong>three bank categories<\/strong> for the issuance of exemption orders within the scope of overnight and fixed-term deposits:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>Foreign partner banks (no fiduciary investment)<\/li>\n\n\n\n<li>German partner banks (no fiduciary investment)<\/li>\n\n\n\n<li>Domestic and foreign partner banks with fiduciary investment<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full image-border\"><img loading=\"lazy\" decoding=\"async\" width=\"799\" height=\"198\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/2.jpg\" alt=\"Weltsparen exemption order\" class=\"wp-image-3257\" srcset=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/2.jpg 799w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/2-300x74.jpg 300w, https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/02\/2-768x190.jpg 768w\" sizes=\"(max-width: 799px) 100vw, 799px\" \/><\/figure>\n\n\n\n<p>As you can see from the figure above, you can <strong>NOT claim an exemption amount for investments abroad (abroad means outside of Germany in this case)<\/strong>. You must <strong>declare<\/strong> foreign interest income <strong>yourself in your tax return<\/strong>. If, on the other hand, you are with <strong>German partner banks<\/strong>, you must submit the exemption order to the <strong>&#8220;Pro Partnerbank&#8221;.<\/strong> You can read all this exactly at Weltsparen under: <em>&#8220;Do you have any questions&#8221;<\/em> &#8211;&gt; <em>&#8220;Exemption order&#8221;<\/em> &#8211;&gt; <em>&#8220;For overnight and fixed-term deposits&#8221;<\/em> &#8211;&gt; <em>&#8220;Where can I submit an exemption order or non-assessment certificate for investment income?&#8221;<\/em>.<\/p>\n\n\n\n<p>You can also find out how your savings investment is taxed and whether an exemption order can be submitted in the <strong>product information sheet<\/strong> of the respective bank under the section <em>&#8220;Taxation&#8221;<\/em>.<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Notice:<\/mark><\/strong> For <strong>investment products<\/strong> (such as ETFs, Raisin Crypto etc.) again different rules apply regarding exemption order than for savings products. You can also read about these under <em>&#8220;Do you have any questions&#8221;<\/em>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weltparen_Sparkasse\"><\/span><strong>Weltparen &amp; Sparkasse<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Weltsparen works closely with the German Sparkasse, which means you benefit from a safe and reputable investment option. This means you have the option to link your Weltsparen account to your Sparkassen account for easy transfer from your Sparkassen account to Weltsparen as well as management of your investments.<\/p>\n\n\n\n<p>However, experience has shown that <strong>not all Sparkassen branches<\/strong> allow a transfer to an account with Weltsparen. Therefore, you must first check whether your Sparkasse has entered into a cooperation with Weltsparen or not.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weltsparen_Alternatives\"><\/span><strong>Weltsparen Alternatives<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Weltsparen is an online provider of savings products (and subordinate investment products), but there are other interest portals that have similar offerings. Here are some alternatives to Weltsparen that I have also had experience with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zinspilot:<\/strong> An online provider of overnight deposit accounts that allows investors to invest their money with various banks in Europe and thus benefit from better interest rates.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/bondora.com\/ref\/danielg288\" target=\"_blank\" rel=\"noreferrer noopener\">Bondora*<\/a>:<\/strong> A P2P lending platform that allows investors to invest in loans in various European countries. But here there is <strong>no deposit insurance<\/strong>! But with the investment product <strong>Bondora Go and Grow passive 6.75% return<\/strong> with funds available at any time.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion Weltsparen &#8211; Experiences<\/strong><\/h2>\n\n\n\n<p>Weltsparen is an online provider of savings products that offers investors easy access to <strong>fixed and overnight deposit accounts<\/strong> in various countries. It is a good way to diversify your money and benefit from better interest rates offered in other countries.<\/p>\n\n\n\n<p>Bottom line, my Weltsparen experiences are positive, a big advantage of Weltsparen is that it is very easy and convenient to open an account and invest money. It is also a good way to invest your money in different currencies to benefit from possible currency gains.<\/p>\n\n\n\n<p>However, it is important to note that there are also risks involved in investing with Weltsparen. These include, for example, exchange rate fluctuations and the risk that the bank where the money is invested will run into financial difficulties. It is therefore important to carefully examine the offers and interest rates before making an investment decision.<\/p>\n\n\n\n<p>Overall, Weltsparen is a good option for investors to park money in the short term (in overnight deposit account) while earning at least 3% interest. For serious investment, however, there are significantly more attractive financial products and platforms with higher returns, which of course entails correspondingly higher risks.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Register here for free and get high interest*<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_3_Providers_for_your_Investment\"><\/span><strong><strong>Top 3 Providers for your Investment<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-uagb-star-rating uagb-block-c49df5ec\"><p class=\"uag-star-rating__title\"><strong>Alle 3 Anbieter mit Top Bewertung:<\/strong><\/p><div class=\"uag-star-rating\" title=\"4.7\/5\"><span class=\"uag-star\">\u2605<\/span><span class=\"uag-star\">\u2605<\/span><span class=\"uag-star\">\u2605<\/span><span class=\"uag-star\">\u2605<\/span><span class=\"uag-star\">\u2605<\/span><\/div><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-white-background-color has-background has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"60\" class=\"wp-image-3738\" style=\"width: 150px;\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/06\/Screenshot-2023-02-05-194041-2.jpg\" alt=\"Weltsparen\"><\/a><a href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/th><th class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/ref.trade.re\/bx9g59xg\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"60\" class=\"wp-image-3739\" style=\"width: 150px;\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/06\/Screenshot-2023-06-18-175552-2.jpg\" alt=\"Trade Republic\"><\/a><\/th><th class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/bondora.com\/ref\/danielg288\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"60\" class=\"wp-image-3740\" style=\"width: 150px;\" src=\"https:\/\/www.sparweise.de\/wp-content\/uploads\/2023\/06\/P2P-Portale-Bondora-go-and-grow-2.png\" alt=\"Bondora\"><\/a><a href=\"https:\/\/bondora.com\/ref\/danielg288\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Provider for instant-access and fixed-term deposits<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stock &amp; Crypto Trading Broker<\/td><td class=\"has-text-align-center\" data-align=\"center\">P2P Platform <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Up to 4% interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">Only 1 \u20ac fee per order (cheapest broker)<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.75% interest with daily availability<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Risk-free due to deposit protection<\/td><td class=\"has-text-align-center\" data-align=\"center\">&gt; 1500 ETF savings plans<\/td><td class=\"has-text-align-center\" data-align=\"center\">High security compared to other P2P offerings<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/www.sparweise.de\/en\/weltsparen-experiences\/\">Read field report<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><strong><a href=\"https:\/\/www.sparweise.de\/en\/trade-republic-experiences\/\">Read field report<\/a><\/strong><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><strong><a href=\"https:\/\/www.sparweise.de\/en\/bondora-go-and-grow-experiences\/\">Read field report<\/a><\/strong><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">&gt;&gt; <a href=\"https:\/\/www.financeads.net\/tc.php?t=58554C67224207T\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:#ff6900\" class=\"has-inline-color has-white-color\"><strong><em>Register Now*<\/em><\/strong><\/mark><\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><mark style=\"background-color:#ff6900\" class=\"has-inline-color has-white-color\"><\/mark>&gt;&gt; <strong><strong><em><a href=\"https:\/\/ref.trade.re\/bx9g59xg\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:#ff6900\" class=\"has-inline-color has-white-color\">Register Now*<\/mark><\/a><\/em><\/strong><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">&gt;&gt; <strong><em><a href=\"https:\/\/bondora.com\/ref\/danielg288\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:#ff6900\" class=\"has-inline-color has-white-color\">Register Now and get 5 \u20ac Bonus*<\/mark><\/a><\/em><\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Personally, I use all three providers &#8211; for a maximally diversified portfolio consisting of instant-access and fixed-term deposits, stocks, ETFs and crypto as well as P2P.<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/bondora.com\/ref\/danielg288\" target=\"_blank\" rel=\"noreferrer noopener\">Bondora Go and Grow<\/a><\/strong>*: P2P product with 6.75% interest with instant liquidity<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/ref.trade.re\/bx9g59xg\" target=\"_blank\" rel=\"noreferrer noopener\">Trade Republic*<\/a><\/strong>: Cheap online broker (only 1 \u20ac per transaction) for stocks, ETF, Crypto<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.sparweise.de\/en\/best-free-finance-apps\/\">Here is an overview of the Best Free Finance Apps<\/a><\/strong><\/li>\n\n\n\n<li><strong>Portfolio Performance:<\/strong> Powerful and even Free financial tool to evaluate your investment performance and display your financial overview. <strong><a href=\"https:\/\/www.sparweise.de\/en\/portfolio-performance-guide\/\">Here is a step-by-step guide<\/a>.<\/strong> <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Experiences with Weltsparen: Are you looking for information about Weltsparen and would like to know whether it is worth opening a fixed-term deposit or instant access account there? Then you&#8217;ve come to the right place! 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