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What is the difference between KOMPAS FIXED, KOMPAS VARIABLE, and KOMPAS BASIS?

The main differences between the products are the interest rate and access to your funds.

Interest rate:

  • With KOMPAS FAST, you receive a fixed interest rate throughout the binding period.
  • With KOMPAS VARIABEL and KOMPAS BASIS, you receive a variable interest rate that may change over time.

Access to your funds:

  • KOMPAS FAST has a fixed binding period of 6, 12, 18, 24 or 36 months.
  • KOMPAS VARIABEL has no fixed binding period, but a 31-day notice period for withdrawals.
  • KOMPAS BASIS has no binding period and no notice period. The account serves as the central account for your savings products with kompasbank.

When you transfer funds to kompasbank from another bank, the funds are deposited into your KOMPAS BASIS account. Savings products are also paid out to your BASIS account at maturity or in case of early termination.

From your KOMPAS BASIS account, you can choose to:

  • keep your funds on the account
  • create a new savings product
  • withdraw your balance to your NemKonto

When you create a new savings product, the amount is automatically transferred from your KOMPAS BASIS account if sufficient funds are available. If the full amount is not yet available on the account, you have up to 10 days to fund the remaining amount. As soon as the full amount is available, the savings product is automatically activated.