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1822direkt review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

1822direkt pays a headline rate of 3.5% on an easy-access account, with a monthly fee of €0 and a minimum deposit of €0. It suits savers who want instant access with no commitment, deposits sit under EU DGS up to EUR 100,000, and the ECB and BaFin supervise the bank.

Key facts

Best for
A German easy-access account paying 3.5% with a monthly fee of €0 and a minimum deposit of €0.
Headline rate
3.5%↗
Rate type
Variable↗
Term
24 to 120 months↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily deposits and withdrawals at any time, no notice period or fixed term, reference account required↗
Monthly fee
€0↗
Account kind
Easy access↗
Regulators
Europäische Zentralbank (ECB), Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Versicherungsvermittlerregister↗
Legal entity
Gesellschaft der Frankfurter Sparkasse mbH↗
Headquarters
Germany↗
Founded
1996↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
1822direkt.de

Loans

APR
5.29%↗
Loan amount
€7,500 to €100,000↗
Arrangement fee
0 EUR (credit application processing is free of charge)↗
Credit check
Hard↗
Funding time
Within 24 hours after digital signing↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car, Credit-line↗
Credit needed
Good↗
Use cases
Home-improvement↗

Brokers

Markets
Stocks, ETFs, Funds, Bonds↗
Investor protection
EU ICS up to EUR 20,000↗
Account types
Joint↗

Mortgages

Initial rate
3.87%↗
APRC
3.97%↗
Fixed period
10 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, Buy-to-let↗

Credit cards

Annual fee
€36↗
Rewards type
None↗
Card kind
Credit↗

Robo-advisors

Management fee
0%↗
Minimum investment
€25↗
Portfolio types
ETF, Cash↗

Facts checked September 26, 2026, 14 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXde-de.facebook.com

Pros and cons

Pros

  • Headline rate of 3.5% on an easy access account, with daily withdrawals and no notice period.
  • A monthly fee of €0 and a minimum deposit of €0, so a small balance can sit there.
  • Deposits are covered by EU DGS up to EUR 100,000, and support runs on email, phone and help centre.
  • A securities account alongside, with a management fee of 0% and a minimum investment of €25.

Cons

  • The rate is variable, so interest can fall as well as rise, and there is no fixed term to lock a rate in.
  • A reference account is needed, so money moves in and out through another account at the same bank.
  • The headline rate ranks 189 of 488 here, so the yield sits mid field.
1822direkt

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Savers in DE who want their money available daily with no notice period or fixed term.
  • Anyone starting small, since the minimum deposit is €0 and there is no monthly charge.
  • Households who also want to borrow, since consumer credit runs at 5.29% APR from the same provider.

Who should look elsewhere

  • bunq, whose headline rate is 3.01%, if you want to weigh the rate against another savings brand first.
  • Wise, which pays 3.29%, if that rate appeals more than an easy-access account at a German bank.

Who runs it

1822direkt is operated by Gesellschaft der Frankfurter Sparkasse mbH, a bank headquartered in Germany and trading since 1996. Customers open and run the savings account with the bank itself rather than a middleman. Support runs on email, phone and help centre: email, phone and a help centre, with the same channels behind the wider product range.

How 1822direkt compares

Where 1822direkt is available

Available
Germany
Licence in Germany
Europäische Zentralbank (ECB), checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does 1822direkt pay on its savings account?+

The headline rate is 3.5% and it is variable, so it moves rather than being locked in for a set period. That flexibility suits money that may be needed, though the rate on offer now is not the rate you are guaranteed later. The account is easy access.

What does it cost to keep money there?+

The monthly fee is €0 and the minimum deposit is €0, so a small balance earns the same headline rate of 3.5% as a large one. The account runs with no monthly charge, and money can go in and out daily without a notice period.

Is my deposit safe?+

Deposits are covered by EU DGS up to EUR 100,000, the German guarantee. Because the money sits with a bank in DE rather than with an investment platform, the cover sits with the bank itself. Keep in mind this is a savings account, so the return is interest rather than market gains.

Who supervises 1822direkt?+

Regulator status is listed as Europäische Zentralbank (ECB), Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Versicherungsvermittlerregister, which covers the ECB and BaFin in DE as well as the insurance intermediary register. Cash deposits fall under the deposit guarantee, while anything held in a securities account is covered by EU ICS up to EUR 20,000 instead.

Can I withdraw money whenever I want?+

It is an easy access account: deposits and withdrawals can be made daily, with no notice period and no fixed term, and a reference account is needed to run it. That suits emergency savings, since nothing has to be locked away to earn the headline rate of 3.5%.

What else can I do with the bank?+

The same provider runs a securities account with a management fee of 0%, a minimum investment of €25 and stocks, etfs and funds available. Portfolios are listed as etf and cash plans, so a cash buffer and a longer term investment can sit under one roof.

How does the rate compare with other savings brands?+

The 1822direkt headline rate of 3.5% sits against a site median of 3%, with bunq on 3.01% and Wise on 3.29%. It ranks 189 of 488 on rate, so the figure is competitive without reaching the highest rate here.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

1822direkt

1822direkt

A German easy-access account paying 3.5% with a monthly fee of €0 and a minimum deposit of €0.

9.4/10See alternatives