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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 is a Frankfurt-based German bank group for borrowers who want a clear fee picture: an APR of 5.29% on loans, a product fee of €0 on mortgages. It suits people with a permanent contract and a clean SCHUFA record who bank in Germany. Its savings account pays 3.5% on easy access.

Key facts

Best for
German residents with a clean credit file who want cheap borrowing and no arrangement fees.
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↗
Lender type
Broker↗
Legal entity
1822direkt Gesellschaft der Frankfurter Sparkasse mbH↗
Headquarters
Germany↗
Founded
1996↗
Support channels
Email, Phone, Help-centre↗
Official website
1822direkt.de

Loans

APR
5.29%↗
Loan amount
€7,500 to €100,000↗
Term
24 to 120 months↗
Arrangement fee
0 EUR (credit application processing is free of charge)↗
Credit check
Hard↗
Funding time
Within 24 hours after digital signing↗
Rate type
Fixed↗
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↗
Pricing model
Fixed rate

Savings

Headline rate
3.5%↗
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↗

Credit cards

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

Brokers

Markets
Stocks, ETFs, Funds, Bonds↗

Facts checked September 26, 2026, 12 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXyoutube.com

Pros and cons

Pros

  • Loans run at an APR of 5.29% with an arrangement fee of 0 EUR (credit application processing is free of charge).
  • Early repayment is free on the instalment loan.
  • Savings pay 3.5% with a monthly fee of €0 and a minimum deposit of €0.
  • Mortgages carry a product fee of €0 and run at a fixed rate for 10.

Cons

  • Credit checks are hard, so a small file blemish blocks the application.
  • A credit check is required and the lender asks for a good credit profile.
  • The credit card pays an annual fee of €36 and offers rewards of none.
1822direkt

Ready to try 1822direkt?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • German residents with a permanent contract and no negative SCHUFA or CRIF Buergel entry who want a fixed-rate instalment loan.
  • Savers who want easy access to their money without a monthly fee or a minimum deposit.
  • Homebuyers and remortgagers looking for a fixed-rate mortgage with no product fee.

Who should look elsewhere

  • Anyone whose file carries a negative credit registry entry, since the lender checks it directly.
  • Borrowers after a very long repayment period, as the term runs only to 24 to 120.
  • Card shoppers wanting cashback or points, as the rewards type is none.

Who runs it

1822direkt is operated by 1822direkt Gesellschaft der Frankfurter Sparkasse mbH, based in Germany and trading since 1996. It is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Europaeische Zentralbank (EZB), so deposits and lending sit inside the German regulatory perimeter. Support runs on email, phone and help centre, giving borrowers a phone line and a help centre as well as email. Customers are a single market: the bank serves German residents, and its savings and loan pages are published in German.

How 1822direkt compares

Where 1822direkt is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Europaeische Zentralbank (EZB), checked September 26, 2026

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

Frequently asked questions

What does a loan from 1822direkt cost?+

The instalment loan runs at an APR of 5.29% with an arrangement fee of 0 EUR (credit application processing is free of charge), and the credit application processing itself is free of charge. Borrowing runs over terms of 24 to 120 for amounts of €7,500 to €100,000. Early repayment is free, so you can settle early without penalty.

What rate does 1822direkt pay on savings?+

The easy-access savings account pays a headline rate of 3.5%. Deposits and withdrawals can happen at any time, with no notice period and no fixed term. A reference account is required. The monthly fee is €0 and the minimum deposit is €0.

Is my money protected at 1822direkt?+

Deposits sit under the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. The bank is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Europaeische Zentralbank (EZB). The protection scheme covers deposit balances, not investments held in a securities account.

How fast is the money after applying for a loan?+

Funding happens Within 24 hours after digital signing. The whole application and signing can be handled digitally, which is why the timetable is short. Approval still depends on the credit check, which is hard, so a decision is not guaranteed on the same day.

What credit score do I need for a loan?+

The lender asks for a good credit profile, so a fair or poor score makes approval harder. Applications are checked against the SCHUFA and CRIF Buergel registers, and a negative entry in either blocks the loan. You also need a permanent contract and a main residence in Germany.

What kinds of loan are available?+

The range covers personal, debt consolidation and car, and the instalment loan is aimed at home improvement. Rates are fixed, at fixed. 1822direkt works as a broker, so applications are matched onward rather than funded solely by the bank itself.

Does 1822direkt offer mortgages?+

It offers home finance for purchase, remortgage and buy to let. The product fee is €0, the opening rate is 3.87% and the APRC is 3.97%. The rate is fixed for 10 and borrowing goes up to a maximum loan to value of 90%.

Can I invest with 1822direkt?+

The securities account covers stocks, etfs and funds, so you can hold the main asset classes rather than a narrow selection. It sits with the same German bank that handles the savings and loan products, and support is available on email, phone and help centre.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

1822direkt

1822direkt

German residents with a clean credit file who want cheap borrowing and no arrangement fees.

9.2/10See alternatives