Die Sparkasse Nürnberg hat vielen Prämiensparer:innen nach Ansicht des Verbraucherzentrale Bundesverbands (vzbv) jahrelang zu wenig Zinsen gezahlt. Der vzbv hat deswegen mit Unterstützung der Verbraucherzentrale Bayern im Juli 2020 eine Musterfeststellungsklage gegen die Sparkasse Nürnberg erhoben. Mehr als 3.000 Verbraucher:innen haben sich angeschlossen. Am 28. Februar 2024 hat das Bayerische Oberste Landesgericht sein Urteil verkündet. Trotz eines Teilerfolgs wird der vzbv Revision einlegen und vor den Bundesgerichtshof ziehen.
Sebastian Reiling, Referent Team Musterfeststellungsklagen, kommentiert:
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Quelle: Gert Baumbach - vzbv
Die in den Prämiensparverträgen verwendete Zinsklausel ist unzulässig. Die Sparkasse Nürnberg muss die Höhe der Zinsen der Sparer:innen neu berechnen. Das ist eine gute Nachricht für Kund:innen der Sparkasse Nürnberg. Jedoch unterscheidet sich die Einschätzung des Bayerischen Obersten Landesgerichts sehr stark von der Auffassung des Bundesgerichtshofs, wie die Zinsen neu berechnet werden müssen. Der vzbv wird daher Revision gegen das Urteil einlegen. Wir wollen höhere Nachzahlungen für Prämiensparer:innen erreichen.
Der Bundesgerichtshof hatte in vergleichbaren Verfahren bereits mehrfach geurteilt, dass Prämiensparverträge neu zu berechnen sind. Für die Neuberechnung sei die Methode des „relativen Zinsabstands“ anzuwenden. Das Bayerische Oberste Landesgericht setzt in seinem Urteil hingegen den „absoluten Zinsabstand“ für die Neuberechnung an, was für Sparkasse-Kund:innen geringere Rückzahlungen mit sich bringen würde.
Für den vzbv hat die Kanzlei Rotter (München) das Verfahren geführt.
Der vzbv und Verbraucherzentralen führen aktuell 17 Musterfeststellungsklagen zu fehlerhaften Zinsberechnungen bei Prämiensparverträgen von Sparkassen.
Mehr Informationen unter https://www.sammelklagen.de/themen/praemiensparen
Datum der Urteilsverkündung: 28.02.2024
Aktenzeichen: 101 MK 1/20
Gericht: Bayerisches Oberstes Landesgericht
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Alles zum Thema: Rechtsdurchsetzung
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![Verbraucherrechte? Wir setzen sie durch!]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=-ML7kKlq","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=kXQ8HE9X","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=gxu0xFLa","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_800\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=y1vTdq6Y","913":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_912\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=KM75QFP4","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=xU1n4sfa","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1200\/public\/2023-09\/RD-Signet-1200x400-Kontur.png?itok=ddfbwy3F"})
Quelle: vzbv
![Icon für Kontakt für Verbraucher]({"50":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_50x50_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=a16HLcK1","100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_100x100_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=Oso9oXn-","200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_200x200_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=xPMUS0F4","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_300x300_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=dBY4yUIV","400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_400x400_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=VMZ_MU5w","500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_500x500_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=YmN22arq","600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_600x600_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=webA0nYM","700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_700x700_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=D3Qy3QeX","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_800x800_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=ED6lGcst","900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_900x900_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=w5BylG91","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1000x1000_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=ZPKqAwSu","1100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1100x1100_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=QA2DCxAX","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1200x1200_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=Gj7V73dQ","1300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1300x1300_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=YZMPtG0u","1400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1400x1400_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=JdzYTwdR","1500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1500x1500_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=8u4AGxld","1600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1600x1600_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=MOaz2Syv","1700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1700x1700_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=UPjWUhLR","1800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1800x1800_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=p1mxbb-u","1900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1900x1900_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=GbKZ1fR2","2000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_2000x2000_focal_point_crop\/public\/2021-10\/b_vzbv_new_contact_Verbraucher_iconv2.png?h=cc872d96\u0026itok=meo7GIU0"})
![Zu sehen ist auf hellem Grund der rot gezeichnete Rahmen eines Telefonhörers.]({"50":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_50x50_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=fFsSgICD","100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_100x100_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=NZD2w3iv","200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_200x200_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=w_TIAIeN","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_300x300_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=ObHd7Zkp","400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_400x400_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=pHIjvI_F","500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_500x500_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=uNJVmOVP","600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_600x600_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=qIHasLcR","700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_700x700_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=vC06TtmT","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_800x800_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=jotZyLh9","900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_900x900_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=XM7YN20e","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1000x1000_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=odRDhYVr","1100":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1100x1100_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=V988hHS7","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1200x1200_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=zEg8si8L","1300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1300x1300_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=troeTHr5","1400":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1400x1400_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=dEFyFLS_","1500":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1500x1500_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=AE54xXLW","1600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1600x1600_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=IF5E4LIE","1700":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1700x1700_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=XQkD3dTS","1800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1800x1800_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=JKKym749","1900":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_1900x1900_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=UQajp7aY","2000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_1_1_2000x2000_focal_point_crop\/public\/2021-04\/Telefon%20neu_Zeichenfl%C3%A4che%201_0.png?h=a05dec19\u0026itok=X3uf8CiK"})
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