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Flex money

Flexibility Meets Return

At HGI, we understand that modern investors are looking for investments that offer both flexibility and attractive returns. Flexgeld combines these requirements into a solution that can be individually adapted to your financial needs and allows you to access your capital at any time.

What is Flexgeld?

Flexgeld combines the advantages of overnight and fixed-term deposits. It enables you to invest capital at short notice and benefit from better interest rates than with classic savings products.

Compared to conventional savings books or overnight deposit accounts, Flexgeld often offers more attractive conditions, while at the same time you remain flexible and can access your credit balance at any time.

Why Choose Flexgeld through AGw?

As a reliable financial partner, HGI offers not only attractive Flexgeld conditions, but also security, transparency and professional expertise.

We work with selected banks and give you access to flexible investments that are both return-oriented and security-conscious. Discover the advantages of Flexgeld via HGI and open your Flexgeld account in just a few steps.

Your Benefits at a Glance:

  • Higher interest rates: Compared to classic forms of saving, Flexgeld generally offers more attractive interest rates than many overnight or savings accounts.
  • Flexible access: You can access your capital at any time without long waiting times or penalties for premature withdrawals.
  • No long-term commitment: Flexgeld is suitable for investors who do not want to tie up their capital for longer periods of time and are still looking for an attractive interest rate.
  • Security through deposit protection: As with other banking products, Flexgeld deposits are protected by the statutory European deposit protection scheme up to the applicable maximum amounts.

Smart investment solutions for different investment goals

  • Company fixed-term deposits

Company fixed-term deposits

Efficient solution for companies that want to invest free liquidity safely and predictably. Corporate fixed-term deposits offer stable conditions and individually selectable terms for structured financial planning.
  • Savings Accounts

Savings Accounts

Maximum flexibility with daily availability of capital. Overnight deposits are particularly suitable for short-term investments where security and liquidity are paramount.
  • ETF's

Fixed-interest investments

Broadly diversified investment options for long-term asset planning. Fixed-interest investments provide access to various markets with clearly calculable returns.
  • Fixed deposit

Fixed deposit

Fixed interest rates and defined terms ensure predictable returns. A proven investment option for security-oriented investors.

Frequently Asked Questions

What is a Fixed-Term Deposit?
Flexgeld is a modern form of investment that combines the advantages of overnight and fixed-term deposits. Investors benefit from attractive interest rates while retaining the option of accessing their capital at any time.
While overnight deposits are subject to fully variable interest rates, Flexgeld often offers better interest rates with continued high flexibility. Both investment options allow access to the credit balance at any time.
Yes. Flexgeld deposits are subject to the statutory European deposit protection scheme and are protected up to EUR 100,000 per customer and bank.

Yes. One of the key advantages of Flexgeld is the ability to access the invested capital at any time, without fixed terms or notice periods.

Flexgeld is particularly suitable for investors who want to invest their capital flexibly without foregoing attractive interest rates. It is ideal for short- to medium-term investment goals.
Opening a Flexgeld account via HGI is straightforward. After registering and identifying yourself, you will receive access to available Flexgeld offers and can invest your capital directly.

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