Invest safely and easily with the Allianz interest-rate portfolio.
An offer from Allianz Bank AG. Please note the risk disclosures.
The interest rate portfolio represents money market instruments and short-term bonds from issuers with good credit ratings. This keeps risk to a minimum, and the interest rate is not dependent on bank pass-through.
Details about the investment strategy in the interest rate portfolio can be found here.
The foundation for wealth preservation.
Higher interest rates than a typical call money account, without the risks of the capital market.
Higher return potential, but also significant fluctuations. For example, with our asset management.
Conditions in the interest rate market are constantly changing. To get the best return, you need to monitor the market, follow interest rate decisions, and understand political implications. Or you can simply leave it to our investment team, who keep an eye on all of these things.
We offer a range of savings products to suit your goals. This helps you easily find the right balance between return, flexibility, and security.
| Interest Portfolio | Instant Access Account | Fixed Deposit | |
|---|---|---|---|
| Interest | Variable, based on money market rates | Variable, set by bank | Fixed for agreed term |
| Interest Optimization | Automatic | None | None |
| Availability | Daily | Daily | At maturity |
| Protection | Fund shares fully protected from insolvency (segregated assets)* | Deposit protection up to €100,000 | Deposit protection up to €100,000 |
| Protection | Unlimited as segregated assets | Up to €100,000 per customer and bank | Up to €100,000 per customer and bank |
| Tax Handling | Automatic | Manual for many offers | Manual for many offers |
* Details on protection in the interest portfolio can be found here.
Our interest rate portfolio is the ideal solution for you if you:
The interest portfolio is designed for investors who seek high security and are willing to take only minimal risk. It includes ETFs that invest exclusively in bonds issued by entities with good or very good credit ratings. In cases where ETFs use a synthetic replication method, the swap counterparties also hold strong credit ratings. Additionally, all ETFs used are fully collateralized to further minimize the risk of loss.
Learn MoreThe interest portfolio consists of exchange-traded index funds (ETFs) that are specifically designed to invest in the following money market instruments:
All investments are made exclusively in euros, which helps avoid currency exchange risks.
Learn MoreThe money market is a segment of the financial system where funds are borrowed and lent for short periods—typically ranging from a few days to one year. Common instruments used include short-term bonds, covered bonds, and bank deposits.
The main participants are banks, governments, and large corporations that need to manage short-term liquidity or invest surplus capital. With the Allianz interest portfolio, private investors can also benefit from stable interest returns with low risk and high flexibility.
Learn MoreInterest in the interest portfolio is calculated daily and credited to the fund assets. Since only accumulating ETFs are used, which automatically reinvest distributions, there are no direct payouts to your Allianz account. Instead, the value of your fund units increases continuously, enabling efficient reinvestment and saving on transaction costs. Thanks to daily interest crediting, the portfolio achieves a higher effective return compared to overnight accounts, where interest is typically paid monthly or quarterly.
The portfolio management fee is 0.25% per year based on the managed assets. Additionally, the ETFs used incur product costs of 0.10% per year. This results in a total annual cost of 0.35% for the interest portfolio. There are no additional transaction fees. The interest rate shown on our website and in your Allianz dashboard is already net of all applicable fees.
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