- Fair staggered interest rates that increase as agreed
- Customised term
- Continued access to your money
Let your money grow
Invest your money securely and stay flexible if required. BIB Wachstum offers you interest rates that increase with the term.
How BIB Wachstum works
When you sign the contract, you enter into an agreement with us regarding the term and a staggered interest rate that increases over the course of the investment. These conditions remain unchanged over the entire term of the contract.
The minimum investment is EUR 5000. The maximum amount you can invest is limited to EUR 1,000,000.
Customise your access
After a nine-month lock-up period, you can access your money as required for the remaining duration of the term. You decide when you have access to your money.1)
- Accessing your invested money may mean that any special interest rates agreed cease to apply.
No. You decide the amount you would like to invest at the start of the contract. It is not possible to make additional payments during the term.
You can invest your money in BIB Wachstum for up to six years.
The interest will be credited at the end of each calendar year. This amount does not have to be credited to your BIB Wachstum account.
Protecting deposits and institutions
BIB is affiliated with BVR Institutssicherung GmbH, an officially recognised organisation, and the additional voluntary protection scheme of the Federal Association of German Cooperative Banks [Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V.]. As institutional protection schemes, it is their responsibility to avert or remedy imminent or existing financial difficulties at the institutions affiliated with them (institutional protection). All institutions affiliated with these protection schemes help each other to avoid insolvency. In addition to institutions, customers' deposits – generally savings deposits, savings certificates, term deposits, sight deposits and bonds – are also protected.