Centraal Beheer Achmea and a safe deposit guarantee scheme

How much do you save with the interest plus account from Centraal Beheer Achmea? Is that safe? After all, an insurance company is not covered by the deposit guarantee scheme, because this guarantee scheme only applies to banks. The interest is nice, but there is no guarantee at all on your savings. So no deposit guarantee scheme for Achmea if it goes bankrupt?

Centraal Beheer Achmea

We mainly know Centraal Beheer Achmea from the advertisements where calling Apeldoorn seems to offer a solution in all kinds of difficult situations involving damage. Achmea is not only an insurer for your car, home contents or your trip, but as a bank this institution also offers the interest plus savings account. As a bank, not as an insurer. Fortunately, in our country we have an extensive guarantee scheme for the banks for your money and savings at the bank, the deposit guarantee scheme. But does that not apply to an insurance company, or is this going well with Achmea?

Deposit Guarantee Scheme and Centraal Beheer Achmea

The deposit guarantee scheme does indeed apply to Centraal Beheer Achmea, because this group also has its own banking license through the Achmea Hypotheekbank. It is not a system bank, but it is safe to save up to 100,000 euros per person for all Achmea savings products. If the bank were to go bankrupt and you do not have more than this amount in the account, you will get your money back in full. You cannot open a current account with Achmea, but only a savings account. The checking account at another bank is then the counterparty of your savings account. The savings account is easy to manage online. If you want to withdraw your money, transfer your money back to your contra account online.

A contra account is required

When saving online, we often see that it is not possible to open a checking account at the same institution. You have a checking account at another bank, where you also do your other banking affairs and receive a salary, and then save in the online savings account by depositing money into it. This separation of payments and savings has several advantages:

  • The bank does not have to maintain and offer a current account. That is cheaper for the bank.
  • You manage your money under two guarantees. Your checking account at one bank and your savings at another. The double guarantee on your money can easily increase to 200,000 euros for two people.

Open the interest plus account via the internet

The interest plus account is an online savings account and can be opened by anyone in our country who lives here and, as indicated, has a contra account with another bank. Children can also open this savings account with the permission of their parent or parents. The savings interest is credited to your account every month. While other banks sometimes wait until January 1 of the following year, you receive your interest every month. Transfers and withdrawals can actually be made at any time of the day. Debited before 9 p.m. means the bill will be invoiced the next working day.

Conclusion on deposit guarantee scheme and Centraal Beheer Achmea

If Centraal Beheer were only a giant in insurance, you would not be able to use the deposit guarantee scheme for your credit on the interest plus account, but Centraal Beheer Achmea also has its own banking license. This means that your money is guaranteed to be safe up to an amount of 100,000 euros per person.