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thijsniks's profile
Thijs Niks
Thijs Niks
Thijs Niks
@thijsniks

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Thijs Niks

@thijsniks

Product Manager for ☎️ at @WhatsApp / ❤️ retweets

San Francisco, CA
thijs.niks.nu
Joined February 2009

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    1. Thijs Niks‏ @thijsniks Apr 3

      Moedigt de ING klanten sinds kort aan om spaargeld weg te schrijven omdat de centrale bank rente negatief is? https://www.ing.nl/particulier/sparen/sparen-bij-andere-banken/index.html …pic.twitter.com/tPMrQHUE1L

      39 replies 55 retweets 185 likes
      Show this thread
    2. Will Fang‏ @willjfang Apr 4
      Replying to @thijsniks

      Has been going on in Germany for a while. And probably will continue until ECB reverses out of negative rate territory.

      1 reply 0 retweets 2 likes
    3. Thijs Niks‏ @thijsniks Apr 4
      Replying to @willjfang

      I knew banks were asking people with large savings to pay or move. Do German banks also tell small savers to move away?

      1 reply 0 retweets 1 like
    4. Will Fang‏ @willjfang Apr 4
      Replying to @thijsniks

      It varies but most start charging negative interest (or a "custody fee" 🙄) above a certain balance, usually €50k or €100k: https://www.verivox.de/geldanlage/themen/negativzinsen/ … IIRC, ING's threshold in NL is €250k, right? Has it changed?

      1 reply 0 retweets 2 likes
    5. Thijs Niks‏ @thijsniks Apr 4
      Replying to @willjfang

      Yeah, ING goes negative over €250k https://www.ing.nl/particulier/wijziging-saldoklassen/index.html … I expect they will continue to lower that numberpic.twitter.com/GLzDU7aOvo

      1 reply 0 retweets 2 likes
    6. Will Fang‏ @willjfang Apr 4
      Replying to @thijsniks

      At least ING discloses it clearly and provides some advance notice. The most annoying part about some of the German banks is how cagey they are about this. Wringing an answer out of Sparkasse about their threshold was like pulling teeth.

      1 reply 0 retweets 1 like
      Thijs Niks‏ @thijsniks Apr 4
      Replying to @willjfang

      Ouch, that’s sneaky. ING sends every customer a letter when they adjust the interest rate 👍

      10:34 AM - 4 Apr 2021
      • 2 Likes
      • The Butterfly Effect Will Fang
      1 reply 0 retweets 2 likes
        1. New conversation
        2. Will Fang‏ @willjfang Apr 4
          Replying to @thijsniks

          The explanation Sparkasse gave me is that they don't have a "blanket policy" and make "case-by-case determinations". Seems like they want to have their cake (avoid bad press about an unpopular policy) and eat it too (still be able to get rid of their most expensive customers).

          1 reply 0 retweets 3 likes
        3. Will Fang‏ @willjfang Apr 4
          Replying to @willjfang @thijsniks

          Btw, this is a bit of a tangent, but I've wondered for a while why EU government bond yields are lower than US ones since it seems divorced from default risk. The answer:https://www.economist.com/the-economist-explains/2017/03/26/why-are-american-bond-yields-higher-than-europes …

          0 replies 0 retweets 3 likes
        4. End of conversation

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