Stock market investments

[Sx4]

Its hasstle, if you sick with banks like the royal bank of scotland, because they are normally offering a higher rate for only 3 or 6 months, then you have to look around for a better deal and switch to another bank or you automatically drop to a lower rate of interest.

Yes, this is what I am trying to avoid. Our VR bank periodically send offers for 3% or so (but in small print it says first 6 months, and limited to x only amout).

[GoodGrape]

Trade Republic currently pays 2% interest on cash deposits. It may vary according to the ECB rate ( they pass that on to the customer ) So, if the ECB rate rises to say 3% you get 3% and vice versa if it falls.
Having said that, customer relations suck. I've been with them since around 4.5% and have never had a problem

[GoodGrape]

PS.. It's all App based . They are recognised as a bank and you have Anlage Sicherung until 100k as with a normal bank.
Deposits over 20k get split.. usually between Deutsche Bank and a Blackrock fund