Updated September 28, 2026 · SumCue Editorial Team
Airwallex vs J&T Direktbank
Airwallex
J&T Direktbank
Higher score in this comparison
Airwallex vs J&T Direktbank: the differences
| Compare | AirwallexReviewVisitVisit | J&T DirektbankReviewVisitVisit |
|---|---|---|
| Headline rate | 2.18% to 3.83%Higher | 2.25% |
| Minimum deposit | HK$0 | €0 |
| Deposit protection | FSCS up to GBP 85,000 | EU DGS up to EUR 100,000 |
| Access terms | Airwallex Yield: no lock-up, no minimum balance, daily returns, funds settle to and from Yield balances within 2 business days | Daily availability; interest paid monthly to the Tagesgeld account |
| Monthly fee | £0 | €0 |
| Regulators | Not confirmed | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Ceska narodni banka (CNB) |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- J&T Direktbank scores higher overall: 9.3 vs 9.0.
- Founded is lower at J&T Direktbank: 1998 vs 2015.
- Airwallex is available in 15 more countries.
- Headline rate is higher at Airwallex: 2.18% to 3.83% vs 2.25%.
- Support channels: only Airwallex offers Help centre, Chat.
- Support channels: only J&T Direktbank offers Email.
Our verdict on each
Airwallex
Airwallex suits businesses that collect and pay in several currencies and want a card on the same balance. The account is a easy access one with a monthly fee of £0, and spare cash earns 2.18% to 3.83% while a debit card handles day to day spend.
J&T Direktbank
J&T Direktbank suits savers who want euro cash parked without paying a monthly charge, and who do not need to lock the money away. Its overnight account pays 2.25% at a variable rate, with an account fee of €0 and a minimum deposit of €0.
Score breakdown
| Area | Airwallex | J&T Direktbank |
|---|---|---|
| Cost | 9.2A monthly fee of £0 leads the field, but the conversion fee of 0.5% sits well above Wise. | 9.5Higher |
| Offer | 9.4HigherCovers 20 currencies with a yield rate of 2.18% to 3.83% and help centre, phone and chat support. | 8.8Account fee of €0 and a minimum deposit of €0 are the strong side, while 2.25% trails the site median of 3%. |
| Trust | 8.5 | 9.4Higher |
How they place
| Ranking | Airwallex | J&T Direktbank |
|---|---|---|
| Savings | 8 of 1492 | 19 of 1492 |
| Savings accounts | 5 of 658 | 12 of 658 |
Which one suits you
Pick Airwallex if offer and headline rate matter most.
Pick J&T Direktbank if cost and trust matter most.
A third option
XTB has headline rate at 4%, against 2.18% to 3.83% for Airwallex and 2.25% for J&T Direktbank.
XTB reviewEvery fact side by side
| Fact | Airwallex | J&T Direktbank |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee |
| Legal entity | Airwallex (Singapore) Pte. Ltd. | J&T BANKA, a.s., Zweigniederlassung Deutschland |
| Headquarters | Singapore | Czechia |
| Founded | 2015 | 1998Lower |
| Support channels | Help centre, Phone, Chat | Email, Phone |
Credit cards
| Fact | Airwallex | J&T Direktbank |
|---|---|---|
| Currency conversion fee | 0.5% | Not confirmed |
| Features | Multi currency, Virtual card, Travel | Not confirmed |
| Audience | Business | Not confirmed |
Where each stands against the rest
| Fact | Airwallex | J&T Direktbank | Median |
|---|---|---|---|
| Headline rate | 2.18% to 3.83%above the median | 2.25%below the median | 3.3 |
Median across 710 listed providers.
Pros and cons
Airwallex
Pros
- A monthly fee of £0 on the business account, with a conversion fee of 0.5% on currency changes.
- The yield balance is easy access, takes a minimum deposit of HKD 0 and pays 2.18% to 3.83% on a variable rate.
- A debit card on the visa network, plus virtual cards, with access to 20 currencies.
Cons
- The conversion fee of 0.5% is well above Wise at 0.1%, which puts Airwallex at 116 of 258 on that measure.
- The account is for business users, so personal savers have no product to open.
- Money settles to and from the yield balance within a short settlement window, which can hold up a same-day supplier payment.
J&T Direktbank
Pros
- The account fee is €0 and the minimum deposit is €0, so small balances work.
- Deposits are covered by EU DGS up to EUR 100,000.
- Daily availability, with interest paid monthly on a variable rate of 2.25%.
Cons
- The rate is variable, so the 2.25% figure can fall with monetary policy.
- Support runs on email and phone only, with no branch network and no in-app chat.
- The account is a German branch of a Czech bank, J&T BANKA, a.s., Zweigniederlassung Deutschland, with a home country of CZ.
Who each suits
Airwallex
Who it suits
- Companies paid in several currencies, since the account holds 20.
- Firms that want a debit card and virtual cards for staff spending and subscriptions.
- Businesses parking spare cash in a easy access yield balance paying 2.18% to 3.83%.
Who should look elsewhere
- Anyone whose main spend is currency conversion, because Wise charges 0.1% against 0.5% here.
- Personal savers, since the account is for business use and bunq offers a personal plan at €0 a month.
- Borrowers rather than spenders, since Varo Believe Secured Credit Card is a credit card with a monthly fee of $0.
J&T Direktbank
Who it suits
- Euro savers who want daily access and can leave the balance in place.
- Savers who value a fee-free account, with an account fee of €0 and a minimum deposit of €0.
- Readers comfortable with a variable rate paid monthly, under supervision by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB).
Who should look elsewhere
- bunq, which lists a minimum deposit of €10 where this account takes €0.
- CFI, whose minimum deposit of $0 is set in dollars rather than euro, for anyone saving in US currency.
- Fiesta Credito MX, supervised by CONDUSEF rather than Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and Ceska narodni banka (CNB), if you need cover in another market.
Country by country
| Country | Airwallex | J&T Direktbank |
|---|---|---|
| Australia | Yes | No |
| Canada | Yes | No |
| China | Yes | No |
| Czechia | No | Yes |
| France | Yes | No |
| Hong Kong | Yes | No |
| Israel | Yes | No |
| Japan | Yes | No |
8 of 18 countries where either is available.
Questions about each
Airwallex
What does it cost to keep an Airwallex account?+
The business account carries a monthly fee of £0. Converting money costs 0.5%, which is the main charge to watch, and card spending earns cashback of 2%. The yield balance takes a minimum deposit of HKD 0.
Is my money protected?+
Deposit protection is FSCS up to GBP 85,000. The group also appears on the registers of the Monetary Authority of Singapore and De Nederlandsche Bank, and the legal entity named in the records is Airwallex (Singapore) Pte. Ltd..
J&T Direktbank
What does J&T Direktbank pay on its euro cash account?+
The overnight deposit pays 2.25%, and the cash interest is listed as 2.25%. The rate is variable, so it can move with monetary policy rather than being fixed for a term. Money stays available daily and interest is credited to the account monthly.
What does it cost to hold the account?+
Nothing to hold. The account fee is €0, the monthly fee is €0 and the minimum deposit is €0, so there is no balance to maintain and no charge to avoid. The only thing that matters is leaving enough in the account to earn the rate.
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