Magazine

With ECB key interest rates at 2% in 2025, leaving cash sitting in a current account represents a significant loss of earnings. For an SME with an average surplus of €500K, this equates to €15K in lost financial income annually. Term accounts are becoming attractive instruments again, but their effectiveness depends on the flexibility offered and the ability to quickly adjust the amounts blocked. Memo Bank has developed a range of term accounts with no early withdrawal penalties, combining competitive returns with fund availability. This category analyzes the various investment options available, compares their net returns and liquidity, and proposes allocation strategies tailored to the cash flow cycles of growing businesses.