>Nieuw is echter dat de hogere getrouwheidspremie, die van 0,65 procent op 1,05 procent gebracht wordt (plus 0,40 procent), alleen van toepassing is op geld dat na 1 juli op de rekening wordt gestort. Op bestaand spaargeld wordt dus vanaf 1 juli alleen een licht hogere basisrente betaald (0,20 procent in plaats van 0,15 procent), plus de oude getrouwheidspremie van 0,65 procent – of in totaal 0,85 procent op het ‘oud geld’. Dat komt neer op een beperkte verhoging van 0,05 procent.

[De Standaard](https://www.standaard.be/cnt/dmf20230607_93970412?utm_source=facebook&utm_medium=social&utm_term=dso&utm_content=article&utm_campaign=seeding&fbclid=IwAR2_n8Lrlc1ssc8_BL69cd097D23fn15apy46mwaw3ZqOPUKtW6JoB87cOg)

So… What is keeping me from closing my account, then opening a new one? I don’t understand why this seems such a difference with just raising the interest rate for everyone?

4 comments

  1. Isn’t the trick the “getrouwheidspremie”. I assume you lose that one when you move the money to a new account?

    Their reasoning is that they still have lots of mortgages open at low interests rates now. These interest rates are supposed to finance the savings accounts. So they claim they can’t raise the interest rate on savings accounts too much.

    The reasoning might make some sense, I only assume they will ‘forget’ to apply the opposite strategy in the future when they will still have mortgage interests while the interest rates are lowered on savings accounts. The latter will probably happen in an instant …

  2. What is this stupidity? THAT’S JUST HOW GETROUWHEIDSPREMIE WORKS!

    If I stort 100 euro on 1/1, I will start accumulating base interest every day, and my getrouwheidsperiod starts that day, AT THE RATE THAT IT WAS THAT DAY. So let’s say basisrente is 0.25 and getrouwheids is 1. On 1/4 I stort another 100 euro, and the bank changes their rates to 0.5 and 0.5. I have accumulated one quarter of a year at 0.25 on 100 euro so far, and from now on I’ll start accumulating basisrente of 0.5 on 200 euro. I only get the new getrouwheidspremie rate on the new storting, so my period starts for 100 euro at 0.5 on 1/4.

    If we go forward to 1/1 the next year, I will receive all my basisrente: a quarter year at 0.25 on 100 euro, so about 6 cents, three quarters at 0.5 on 200 euro, so 75 cents. I will also receive the getrouwheidspremie on the first amount, since I let it on the account for a full year, so 1% on 100 euro is 1 euro. The second getrouwheidspremie has only been on my account for 3 quarters of a year, so I will not receive the getrouwheidspremie yet.

    Now, the FIRST 100 euro, that just came free, will start a NEW period of getrouwheidspremie AT THE CURRENT RATE OF .5!

    So this DUMB article saying “oooooohhh, the getrouwheids is only for new money!” makes me go YES OBVIOUSLY, THAT’S HOW GETROUWHEIDSPREMIES WORK, YOU DIMWITS! IT WILL ALSO COUNT FOR THE EXISTING MONEY ONCE THEY’VE FINISHED THEIR CURRENT ACCUMULATION PERIOD!!

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    AAAAARGH, I HATE BEING BLESSED WITH THIS KNOWLEDGE FROM WORKING IN A SAVINGS BANK WHEN I GOT OUT OF COLLEGE!!! DON’T ASK ME FOR THE ERRORS THAT TAKE PLACE DURING SCHRIKKELJAREN, IT’S DARK MAGIC!

  3. I really don’t get why people are so hung up on interest rates on savings accounts. Except for an emergency fund you shouldn’t keep money on a savings account anyway.

    I’ve got €3k on a savings account. Even with an interest rate of 2% that would only be like €5/month.

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