Should you "almost empty" the building savings account?

If I didn't want to use the money as equity, my question wouldn't have arisen at all.

But if I now say, for example, I take out everything except 100€, then that goes quite normally via a form that you send in and voilà, the money is in the account.

The only question is whether BHW will then be nudged to look at the contract because of this payout. And whether that will encourage them to then terminate the contract with us. 1.9% interest on the balance is good, but when I hear that others have significantly more here and have not yet been terminated, there are certainly areas where BHW could save more than with us.

It's less about the interest on the balance for me; it's mainly about keeping the contract active so that the employer's allowance flows month by month. The 26€ is, compared to any interest on the balance, the much bigger chunk.

As I said – unfortunately, my employer no longer offers this for new contracts or only for Riester contracts.

Many years ago, we split two home savings contracts for the purpose of withdrawing the balance, but to be able to continue saving into the contract.