The deposit fee (Verwahrentgelt) is calculated on a daily basis. The account balance overnight is decisive for the calculation. 


Here is an example: There are 30,000 € in your checking account, 25,000 € in your shared account and 10,000 € in your Pocket. So your total balance at Tomorrow is 65,000 €. Because this puts you 15,000 € over the 50,000 € limit, a deposit fee is assessed for this amount. 


This is calculated as follows: 15,000 € x 0.5 % / 360 = 0.21 €. For this day, the deposit fee is therefore 0.21 €.


If you spend 5,000 € the next day, your total balance at Tomorrow is only 60,000 €. This means that a deposit fee is only due for 10,000 €. For this day a deposit fee of 0.14 € will be charged. (10,000 € x 0.5 % / 360 = 0.14 €). 


These amounts are added up day by day and deducted from your account in one sum at the end of the quarter.