Börse Online Robo-Advisor of the Year 2024

Money for now

Turn your emergency fund into a clever investment

With stable interest on instant-access savings or the returns boost of Cash-Invest. The choice is yours.

Intelligent solutions for your emergency fund

Many short-term expenses simply can't be planned. Whether it's a short break, a new washing machine or a trip to the garage: with our short-term investment solutions you always stay flexible – and still put your emergency fund to work.

Instant-access savings: stable interest

The classic choice for short-term investing offers you maximum stability and flexibility.

Investment horizon:

Very short

Availability:

Daily

Interest:

1 % p.a.

Fees:

0 euros

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Cash-Invest: a smart returns boost

With money-market ETFs you combine attractive returns with the flexibility of instant-access savings.

Investment horizon:

Up to 1 year

Availability:

< 5 days

Target return:

2.26 % p.a.

Fees:

0.48 % p.a. plus 0.1 % TER

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Invest your emergency fund optimally

It's your call: the returns boost of Cash-Invest or the added stability of instant-access savings

2023-08-31, cash: 5000, tagesgeld: 5000
2023-09-30, cash: 5013.50, tagesgeld: 5012.50
2023-10-31, cash: 5028.53, tagesgeld: 5012.50
2023-11-30, cash: 5044.11, tagesgeld: 5012.50
2023-12-31, cash: 5058.23, tagesgeld: 5050.09
2024-01-31, cash: 5075.29, tagesgeld: 5050.09
2024-02-29, cash: 5090.95, tagesgeld: 5050.09
2024-03-31, cash: 5106.63, tagesgeld: 5087.97
2024-04-30, cash: 5121.40, tagesgeld: 5087.97
2024-05-31, cash: 5137.66, tagesgeld: 5087.97
2024-06-30, cash: 5150.93, tagesgeld: 5125.46
2024-07-31, cash: 5166.74, tagesgeld: 5125.46
2024-08-31, cash: 5181.93, tagesgeld: 5125.46
2024-09-30, cash: 5196.14, tagesgeld: 5160.23
2024-10-31, cash: 5211.72, tagesgeld: 5160.23
2024-11-30, cash: 5223.59, tagesgeld: 5160.23
2024-12-31, cash: 5235.84, tagesgeld: 5189.65
2025-01-31, cash: 5248.63, tagesgeld: 5189.65
2025-02-28, cash: 5258.52, tagesgeld: 5189.65
2025-03-31, cash: 5268.11, tagesgeld: 5212.97
2025-04-30, cash: 5276.65, tagesgeld: 5212.97
2025-05-31, cash: 5286.40, tagesgeld: 5212.97
2025-06-30, cash: 5295.48, tagesgeld: 5229.41
2025-07-31, cash: 5304.81, tagesgeld: 5229.41
2025-08-31, cash: 5312.30, tagesgeld: 5229.41
2025-09-30, cash: 5320.25, tagesgeld: 5242.48

Cash-Invest

Instant-access savings

As at: 30.09.2025; own presentation, quirion

Performance including the portfolio management fee (0.48 % p.a.) and product costs (0.10 % p.a.). The figures relate to the past; past performance is not a reliable indicator of future results.

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Even more goals in life?

Global returns are the ideal foundation for reaching your goals in an optimised way. Provide for your retirement, lay the foundations for your home, or build the groundwork for your children's future.

Money for later

Building wealth

An automated ETF portfolio – globally diversified, with no effort.

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Money for retirement

Retirement provision

Optimised retirement provision with your own personal plan, in just minutes.

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Money for your child

Children

Build a financial foundation for your children's future early on.

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quirion. Simply outstanding.

Our investment strategy? Simply outstanding. And it's not just us saying so. That's the verdict of many tests and awards. And of our now more than 90,000 customers. Thank you for that!

Eltern best provider of children's investment accounts

Still have questions? Out with them!

all FAQs

What are money-market financial instruments? Are there any examples?

These are very short-term interest-bearing investments, such as treasury notes, floating-rate bonds, or fixed-rate time deposits from interbank trading.

Is Cash-Invest a good alternative to instant-access savings?

With Cash-Invest you use an offering whose target return is close to the ECB deposit rate. This means the portfolio responds very promptly to general changes in interest-rate levels. You are therefore not dependent on your bank's interest-rate adjustments. The flexibility of the investment is comparable to instant-access savings, as the money-market financial instruments in the Cash-Invest portfolio can be sold daily and are usually very low in volatility. However, Cash-Invest is not an interest-bearing demand deposit but a portfolio management strategy. The aim is the same, but the approach to achieving a target money-market interest rate is fundamentally different.

How high is the interest?

The interest currently stands at 1 % p.a.

When do I receive interest on my balance? Monthly, quarterly?

Interest is credited automatically at the end of each quarter. If you start the investment part-way through a quarter, the interest is credited on a pro-rata basis.

Is there a minimum holding period for the balance in order to earn interest?

With our interest account, too, there is no minimum holding period or minimum investment period for our customers.

Here's where we can help you further