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Finanzguru AT review

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

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Our verdict

Finanzguru AT suits German savers who want a fixed-rate boost, withdrawable credit, and no monthly account charge. Its headline rate is 7%, while savings deposits have EU deposit protection of EU DGS up to EUR 100,000 and investment balances have EU investor protection of EU ICS up to EUR 20,000.

Key facts

Best for
German savers seeking a fixed-rate boost and linked credit.
Headline rate
7%↗
Rate type
Fixed↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR↗
Monthly fee
€0↗
Account kind
ISA↗
Regulators
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)↗
Legal entity
dwins GmbH↗
Headquarters
Germany↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
finanzguru.de

Robo-advisors

Investor protection
EU ICS up to EUR 20,000↗
Portfolio types
ETF↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidatachromewebstore.google.com

Pros and cons

Pros

  • The fixed headline rate of 7% exceeds bunq at 3.01% and Wise at 3.29%.
  • The monthly fee is €0, so the account model has no monthly charge.
  • Savings deposits have EU deposit protection of EU DGS up to EUR 100,000.
  • Investment balances have EU investor protection of EU ICS up to EUR 20,000.
  • Sparbooster credit is withdrawable, adding flexibility beyond the headline rate.

Cons

  • The rate is fixed at fixed, so it may not suit savers who want a variable rate.
  • Support runs through email and help centre only, with no phone support listed.
  • The deposit protection limit is EU DGS up to EUR 100,000, so larger balances may receive less cover.
  • The listed investment protection is EU ICS up to EUR 20,000, below the savings protection of EU DGS up to EUR 100,000.
Finanzguru AT

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • German savers who prioritise the fixed headline rate of 7%.
  • Users who value free registration and a monthly fee of €0.
  • People who want savings and investment protection under the stated limits of EU DGS up to EUR 100,000 and EU ICS up to EUR 20,000.

Who should look elsewhere

  • Savers seeking a variable rate, because the listed rate is fixed at fixed.
  • People wanting phone support, because support runs through email and help centre.
  • Large investment balances seeking the same protection limit as savings, because investment protection is EU ICS up to EUR 20,000 while deposit protection is EU DGS up to EUR 100,000.

Access to your money

Registration is free without authentication, which makes joining straightforward. The service can link a broad range of banks and providers through dwins GmbH, rather than requiring every financial account to sit with one institution. Sparbooster credit is withdrawable, so the flexible feature can provide usable liquidity. The rate associated with Sparbooster is fixed at fixed, giving savers clarity about the rate type but less scope to benefit from future variable-rate changes.

Regulation and registers

Finanzguru AT is operated by dwins GmbH and is based in Germany. Its IHK Frankfurt am Main registration is D-LVC7-NRKYT-67. The service is also supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), as identified in the licence information for Germany. This gives the platform a clear German regulatory and register framework, although the two registrations serve different purposes.

Rates and terms

The headline rate is 7% and the rate type is fixed. This is stronger than the listed bunq rate of 3.01% and Wise rate of 3.29%, while Finteres offers a headline-rate range of 0% to 36%. The fixed structure may help savers plan around the advertised return, but it offers less flexibility than choosing a product that can vary.

How Finanzguru AT compares

Where Finanzguru AT is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
IHK Frankfurt am Main (D-LVC7-NRKYT-67), checked September 26, 2026

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

Frequently asked questions

What rate does Finanzguru AT offer?+

Finanzguru AT advertises a headline rate of 7%. The rate type is fixed, as shown by fixed. This is higher than bunq at 3.01% and Wise at 3.29%.

Does the account charge a monthly fee?+

The monthly fee is €0. Registration is also free without authentication. These features reduce the account's recurring cost burden, although product costs may still need separate consideration.

Can I withdraw Sparbooster credit?+

Sparbooster credit is withdrawable. This makes the credit feature flexible rather than restricted to the same balance from which it is drawn. The associated headline rate is 7%.

Are savings deposits protected?+

Savings deposits have EU deposit protection of EU DGS up to EUR 100,000. This protection is higher than the stated EU investor protection of EU ICS up to EUR 20,000 for investment balances. Readers with substantial savings should pay particular attention to the applicable limit.

Are investments protected?+

Investment balances have EU investor protection of EU ICS up to EUR 20,000. The investment offering uses ETFs, as recorded by etf. Investors should keep this protection limit separate from the savings protection of EU DGS up to EUR 100,000.

Who regulates Finanzguru AT?+

The German service is identified as regulated by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). It is also entered under IHK Frankfurt am Main with registration D-LVC7-NRKYT-67. The operator is dwins GmbH.

How can customers get support?+

Support is available by email and through a help centre, as listed under email and help centre. Phone support is not among the listed channels. Customers who require telephone assistance may need to consider a different service.

Is the rate fixed or variable?+

The rate is fixed, as shown by fixed. The fixed headline rate is 7%. This suits savers who value rate certainty, but it may offer less flexibility than a variable-rate alternative.

Sources

  • finanzguru.de checked September 26, 2026

    Backs: Access terms, Pricing model, Monthly fee

    “Yes, you can link more than 4,000 banks and providers (current account, savings account, crypto exchange or depot) to your Finanzguru account.”

  • finanzguru.de/altersvorsorgedepot checked September 26, 2026

    Backs: Account kind, Portfolio types

    “The Finanzguru Altersvorsorgedepot is a state-subsidised securities account for private retirement provision: capital gains and income are tax-free in the accumulation phase and contributions receive...”

  • finanzguru.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “dwins GmbH, c/o Design Offices, Wiesenhuettenplatz 25, 60329 Frankfurt am Main”

  • finanzguru.de/sparbooster checked September 26, 2026

    Backs: Headline rate, Rate type

    “Until your Altersvorsorgedepot starts in January 2027, you get a 7 % subsidy per year as a gift - it is not real interest but a subsidy when buying the Altersvorsorgedepot.”

  • portal.mvp.bafin.de/database/ZahlInstInfo/zahlinst.do checked September 26, 2026

    Backs: Deposit protection, Investor protection, Regulators, Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit.

Finanzguru AT

Finanzguru AT

German savers seeking a fixed-rate boost and linked credit.

9.0/10See alternatives