Experți: Nu vă păstrați niciodată toți banii la o singură bancă

Experts advise diversifying savings across multiple banks to mitigate risks associated with insolvency. In Germany, deposits are insured up to €100,000 per person per bank. With a savings rate of 11.5% in 2024, it's crucial to avoid keeping excessive funds in regular accounts due to inflation. A recommended emergency fund should cover two to three months of net salary. For instance, someone earning €3,000 monthly should have €6,000 to €9,000 saved. Holding more than €100,000 in one bank exposes excess funds to risk, making it wise to distribute larger amounts across different banks for better protection.