Zinskonto

quirion Zinskonto at a Glance

The quirion Zinskonto (marketed on the provider's landing page as "Notgroschen", or rainy-day fund) is an instant-access savings account from the Berlin-based robo-advisor quirion, better known for its digital ETF wealth management. The account targets savers who want to park part of their money flexibly and without market risk — for example as an emergency reserve or as a cash component alongside an existing investment portfolio.

Interest Rate

quirion currently pays 1.00% p.a. on the Zinskonto balance. The stored product data lists two interest tiers, both carrying the same 1.00% rate — one up to a balance of €50,000, one with no practical upper limit shown. Unlike many other savings accounts, there is therefore no step-down to a lower rate for larger balances: the 1.00% p.a. rate applies uniformly regardless of balance size.

According to the provider's offer page, interest is credited at the end of each quarter; if money is deposited during a quarter, a pro-rata amount is credited for the actual holding period. There is no minimum holding period, and the balance is available daily.

Terms and Fees

Account maintenance is free according to the provider — the landing page explicitly states "0 Euro" in fees. No minimum deposit or notice period is apparent. Opening the Zinskonto does not require an additional quirion checking account or securities portfolio. No time-limited promotion or new-customer bonus is visible on the offer page — the 1.00% p.a. rate is presented as an ongoing condition, though like any instant-access savings rate it can change at any time.

Who Is It For

The Zinskonto is particularly interesting for customers who already invest in ETF portfolios via quirion and want a simple, free cash component for short-term available funds alongside that. Anyone looking purely for the highest possible instant-access savings rate, with no existing relationship to quirion as a wealth manager, should compare the rate against dedicated savings specialists.

Verdict

The quirion Zinskonto scores on simplicity: free, available daily, no minimum holding period, and a uniform rate regardless of balance size. However, the 1.00% p.a. rate is noticeably below what leading dedicated instant-access savings providers currently pay. For quirion customers who want an uncomplicated cash component alongside their wealth management, it remains a solid, fee-free addition — but the rate alone is currently not a strong reason to open an account.