Everything important To the spa facility

• Savings deposits

  The savings accounts have notice periods of 3 to 48 months. You can save at any time and for as long as you want. A minimum deposit of just 10 euros is required. The interest rates are variable. After a notice period of 3 months, you can dispose of your credit balance subject to the corresponding notice period. With the savings book with a 3-month notice period, you can withdraw up to 2,000 euros of your balance per calendar month.

• Fixed-interest savings

  From a minimum deposit of just 2,500 euros, we offer you a lucrative investment with a fixed term of 6 to 60 months and a fixed interest rate. You can dispose of your savings at the end of the fixed-interest period subject to a 3-month notice period.

• Growth savings - with rising interest rates

  From a minimum deposit of just €2,500, you can invest your money for up to 5 years. The fixed interest rate increases annually from the first to the fifth year. If you need your balance before then, you can withdraw it in full after 12 months at the earliest, subject to a 3-month notice period.

• Instalments/ VL-Sparen - in small steps to wealth

  You regularly pay a fixed monthly amount from 30 euros into the installment savings contract over 6 years. Alternatively, as an employee you can invest up to 480 euros per year. That's 40 euros per month, which your employer will ideally cover in full. The interest rate is variable. At the end of the installment period, the accumulated balance is available to you on 1 January of the following year.

In principle, interest on all savings products is credited on December 31 of a calendar year.

A termination of your savings deposit must be made in writing. It remains valid for four weeks. During this period, the terminated savings balance is available to you free of advance interest. The notice period depends on the savings deposit you have taken out. Fixed-interest contracts and growth savings contracts must be terminated no later than three months before maturity.

You can set up a power of attorney for your savings accounts during your lifetime and a contract in favor of third parties in the event of death. The powers of attorney are account-related and therefore do not automatically apply to all savings contracts. To set up a power of attorney, a joint appointment with the authorized representative is required at our administration office.

An exemption order can be submitted for your investment income (dividends + interest). Please use our form for this purpose. The exemption order can only be taken into account if it is submitted on time, i.e. before interest is credited.

The prerequisite for the acceptance of savings deposits is membership of the investor or a relative in the BBG. Savings accounts can be opened for individuals or spouses.

Payments and withdrawals are possible in cash and by bank transfer. Transfers are only possible to the account holder. We require a written order with a personal signature and a valid identity card must be presented or submitted.

Cash payments can be made by prior appointment at our administration office. For cash deposits of 10,000 euros or more, we must ask you to provide suitable proof of the origin of the money (e.g. withdrawal receipt from another bank, bank statement, etc.). Cash withdrawals of 5,000.00 euros or more must be notified at least one week in advance.

In order to open a new savings account, a personal appointment is required at our administration office. Valid proof of identity and your personal tax ID are required to open the account.

Savings accounts can be closed free of advance interest, subject to the required notice period. Advance interest will be charged if the account is closed prematurely without notice. The savings book, written instructions and valid proof of identity must be submitted for closure.

All account movements can be found in your savings book. This will be handed over to you after the account has been successfully closed and should be submitted annually for the necessary supplements. Simply make an appointment with our savings department.

Savings accounts can be opened for minors. The savings contract must be signed by both legal guardians.