Unfortunately, you do not have an appropriate savings account product. For the Building Reserves functionality to work, one of the products “SparCard”, “Geldmarktsparen” or “Flexgeld” is necessary. The corresponding product (account) has to be enabled in db OnlineBanking. You can open a “Geldmarktsparen" account directly in your db OnlineBanking or contact your advisor.

During the creation of your new Reserve, you can create a standing order automatically. If you make use of this option, you can adapt the corresponding standing order each time you change the Reserve. Entering a TAN for authorization is not required in either case as the transaction concerns two accounts that are in your ownership.

If you choose “Manual entry” during the creation of a Reserve, the monthly contribution and the end date are no longer calculated automatically. This way, you can create your Reserve as you want it to be. Hereby it is possible to reach the Reserve before the end date.

Unfortunately, not every customer has the possibility to use this feature. Precondition is that every authorized agent is allowed to create standing orders. If you want to use this convenient feature, please contact your advisor.

An initially created Reserve will be started and included into the evaluation with the beginning of the next month. A corresponding standing order is started at the beginning of the next month as well. The final rate is triggered by the standing order at the beginning of the target month.

The starting amount can only be defined if there is balance still available on the savings account. This means that the whole savings balance should not already be assigned to Reserves. By definition of a starting amount, the monthly savings contribution can be reduced. However, no payment transactions (bank transfers, standing orders) are initialized in the course of this.
As soon as the savings period of the Reserve is started, the starting amount cannot be changed any more. Moreover, the starting amount cannot be distributed to other Reserves afterwards.

During the creation of your new Reserve, you can create a standing order automatically. If you make use of this option, you can adapt the corresponding standing order each time you change the Reserve. Entering a TAN for authorization is not required in either case as the transaction concerns two accounts that are in your ownership.

The Reserve’s category can be changed later on without any problems. In order to do this, you just need to click on the icon “Edit Reserve“ and afterwards choose the picture that represents the category. You can then click on the icon of the new category. All the other properties of your Reserve will remain unchanged.

The savings amount is not transferred when changing the savings account. You can do this manually with a simple transfer order under “Accounts“ in the top navigation menu.  

You can transfer additional amounts to the savings account that is assigned to a Reserve. However, it is not possible to assign this payment to a specific Reserve. By use of the option "All the balance will be used for distribution to the Reserves" you can distribute the additional amount to the existing Reserves according to the prioritization.

By use of this option, the balance that is not already assigned to the Reserves of a savings account, is distributed to the Reserves. The distribution is done by savings account and the Reserves that are assigned to this account. The available balance is assigned to the topmost Reserve until it is fulfilled. If the available balance does not suffice, it is assigned to the Reserve completely. The part of a Reserve that is already built increases accordingly. If there is still undistributed balance available afterwards, it is assigned to the next Reserve as described above, and so on.   

The order affects the priority of Reserves that are processed if you choose the option "All the balance will be used for distribution to the Reserves". The order can be changed by "drag and drop" of the icon with the 9 squares. The top Reserve will be processed first.

You can close your Reserve via the link “Release and use Reserve”. As a result, the saved amount will no longer be included in the calculation of the other Reserves’ degree of target achievement. As the next step, you should transfer the amount to a checking account, in order to use your Reserve. Please consider the corresponding period of notice and probable fees. The closed Reserves will still be shown in the overview as history at the bottom of the page.

In this case, the affected Reserve(s) will be recategorized as open again. If you do not need the Reserve any longer, you can delete it at any time.

In a second step, after creating the new Reserve, a corresponding standing order can be created as well if you have sufficient rights to do so. If the monthly contribution does not fulfill your expectations, you should create the standing order nevertheless because this way, the standing order stays connected to your Reserve. You can change the Reserve and the corresponding standing order afterwards at any time.

You can create a corresponding standing order under "Accounts" in the top navigation menu. Please note that the standing order will not be adapted to changes made to the corresponding Reserve automatically in this case. For this reason, it is better to create a corresponding standing order during the course of creating a new Reserve and change this Reserve afterwards.

In order to change the source account of an existing standing order, you have to delete the standing order under "Accounts" in the top navigation menu and create a new one afterwards. Please note that after this change, the standing order will no longer be adapted to changes made to the corresponding Reserve.

Standing orders that were created in the course of adding a new Reserve are usual standing orders. You can change or delete them by use of the existing standing order functionality under "Accounts" in the top navigation menu as usual. However, we do not recommend this because the fine adjustment with the Reserve can be interfered.