SNIZ - Interest Rate Hopping

XStable

About this app

With SNIZ you keep track of your call money accounts, interest earnings, and tax exemption orders.

Strengths of the app: Everything stays local on your device — no cloud, no login or sign-up, no ads and no tracking... and all of that for free!

If you do rate hopping and hold accounts at several banks, it's easy to lose track:
- Which rate guarantee is about to expire?
- Have tax exemption orders been filed everywhere in the right amount?
- Was the interest payout booked correctly?
- What's my current overall return across all my call money accounts?

SNIZ answers these questions — no bank access, no data sharing, no sign-up - all "offline" on your device!

FEATURES
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› Account overview
All your call money accounts with bank name, interest rate, deposit amount, term end, and status at a glance. Active, cancelled, and already closed accounts are shown clearly. The dashboard shows total capital, average interest rate, and guaranteed annual returns across all banks.

› Rate guarantee reminders
Automatic push reminder before your rate guarantee expires, on the expiry day, and optionally 5 days after — so no account silently slips into the lower follow-up rate, and you can switch in time to get the maximum return!

› Manage tax exemption orders (in DE)
Enter tax exemption orders per bank and check them for completeness. SNIZ warns you if an active account is running without a tax exemption order. Joint assessment for married couples is supported. SNIZ calculates for you how high your tax exemption order should be. If you make deposits or withdrawals on a call money account, SNIZ reminds you to adjust your tax exemption order.

› Track interest payouts
When an account is closed, the interest is calculated for you up to the closing date. You can also adjust it manually if the interest actually paid by the bank differs.

› Tax overview
Interest earnings summarized by bank and tax year, matched against the tax exemption order granted. A helpful basis for your tax return and for keeping track of used or still available exemption volume.

› Security
Optional app access protection via fingerprint or Face ID. Secured with PIN and PUK.


PRIVACY
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Data you enter stays on your device and is stored locally only, with bank-grade encryption. SNIZ uses no tracking and does not share data with third parties. SNIZ does not read out bank data, does not connect to any banking interfaces, and requires neither a user account nor sign-up.


WHO IS SNIZ FOR?
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SNIZ is aimed at call money savers in Germany, Austria, and Switzerland who want to manage their call money accounts and tax information simply, clearly, and securely.

General info
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App languages: German, English
The app can be used for free, with no subscription required.

What’s new

- Daily interest credits can be automatically recorded and confirmed
- Any number of interest rates can be set with future effective dates (supporting ECB key interest rate adjustments)
- Interest credits are visible in the capital history and can be added or edited there
- Confirmed interest credits are marked as "amount already used" within the exemption order