???????? an account in a very financial institution or put up Business office on which curiosity is paid out. spaarrekening ????? ??????? ????????? ?????? conta poupança spo?itelní ú?et das Sparkonto opsparingskonto ??????????? ???????????? cuenta de ahorros hoiuarve ???? ????? säästötili compte d'épargne ???????? ???????? ??? ???? štedni r