Ethical Banking Fixed-Term Deposit. Knowing for what.

The Ethical Banking Fixed-Term Deposit offers maximum security while ensuring that your savings are invested responsibls. We deliberately avoid speculation and the pursuit of maximum profits. Instead, we promote local, transparent and sustainable financial cycles that put people and the meaningful use of money at the centre.

With an Ethical Banking Fixed-Term Deposit, savers decide which sustainable sector their money should support. In addition to the traditional investment criteria of security, availability and return, they gain an important additional benefit: they choose themselves how their savings are used.
Another unique feature is that savers can choose the interest rate they wish to receive (up to the applicable maximum rate). This directly influences the interest rate of the preferential loan granted to the supported project.
The participating Raiffeisen banks calculate the average interest rate chosen by savers within each financing line and use it as the basis for the preferential loan, adding only a small margin (1%) to cover their costs. By deliberately waiving part of their potential profit, the banks help make Ethical Banking possible. If a saver chooses to receive a lower interest rate, the difference directly benefits the selected project by enabling more favourable financing conditions.

To open an Ethical Banking Fixed-Term Deposit, customers must hold a current account with the respective partner bank.

Current conditions for Ethical Banking Fixed-Term Deposits (gross interest rates):

Hier finden Sie das aktuelle Informationsblatt zur Ethical Banking Festgeldanlage