Historically German “Savings Accounts” were legally subject to a preferential treatment. Though the appropriate regulation was abandoned customers still expect savings accounts that meet the following contractual conditions: The savings deposits have a 3 month advance notice for any amount to be withdrawn above EUR 2000,-. The depositor can withdraw a monthly maximum amount of EUR 2000,- per account without a penalty. Any amount over EUR 2000,- comes with a penalty that includes the loss of interests between the date of withdrawal and the contractual maturity date plus a material penalty. This penalty is called “Vorschusszinsen”. Both are regulated in the “Specified conditions of saving deposits” and apply for every depositor. The price of “Vorschusszinsen” is regulated in the banks schedule of price and services which is 25% of the current debit interests. Article 421(5) CRR allows institutions to exclude from the calculation of outflows clearly circumscribed categories of retail deposits provided that a) the depositor is not provided to withdraw the deposit within 30 days, and b) in the case of early withdrawals within the 30-day period the depositor has to pay a penalty which includes loss of interest and a material penalty. Both conditions are met for the deposit amounts above the threshold value of EUR 2000,- for the German “Savings Account”.