• Ruling sets new market standards: Interest offers must be communicated openly and transparently

• Ginmon ties TopZins interest rate to ECB deposit facility and focuses on maximum transparency

• Precedent strengthens consumer interests and obliges all providers to transparent communication

Frankfurt am Main, 16 October 2025 – The Regional Court of Frankfurt am Main ruled on 16 September 2025 (Az. 3-06 O 30/24) that interest offers for overnight deposits or comparable products are only permissible when communicated completely and understandably to consumers. The ruling is now legally binding.

Ginmon explicitly welcomes the decision and emphasizes that the company has already gone beyond industry-standard requirements since the end of 2024. In addition to the clear disclosure of interest mechanisms, Ginmon also places value on transparency in other areas – for example, in customer reviews, the authenticity of which the company transparently marks and verifies. Thus, Ginmon already meets the requirements that the court has now also made mandatory for the entire industry.

• Tying to the ECB deposit facility: With Ginmon TopZins, the interest rate is directly linked to the ECB deposit facility. Adjustments occur exclusively in response to changes by the European Central Bank – not at the provider's discretion. Investors therefore always know how the interest is composed and when it may change.

• Early transparency: In coordination with the Consumer Advice Center, Ginmon has already revised its communication early and clearly highlighted the variable nature of the interest rate – an approach that has now also been legally confirmed as standard.

• Benefit for consumers: Customers benefit from fair, objective interest design without limited-time promotional offers or hidden conditions.

“The ruling confirms our approach to make interest rates open and transparent,” says Lars Reiner, CEO and Co-Founder of Ginmon. “With Ginmon TopZins, the interest rate is always linked to the ECB deposit facility – with no surprises for investors. This builds trust and sets a benchmark that all providers will have to follow in the future.”

The ruling is regarded as an important precedent. It obliges banks and overnight and money market providers to present their interest rates clearly in the future. This creates a uniform transparency standard in the interests of consumers, further improving the comparability of offers.

At the same time, the decision provides guidance for the entire industry: It clarifies which requirements must be met in the communication of interest offers in the future and thus strengthens both legal certainty for providers and trust on the customer side. For Ginmon, the ruling confirms the path the company has been following for years to maintain higher transparency toward customers than is common in the market