Updated September 29, 2026 · SumCue Editorial Team
Finanzguru AT vs frankly.ch
Finanzguru AT
Higher score in this comparison
frankly.ch
Finanzguru AT vs frankly.ch: the differences
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | frankly.chReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 0.15% |
| Rate type | Fixed | Variable |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | Fully digital, app or web, no minimum deposit and no minimum term |
| Monthly fee | €0 | CHF 0 |
| Minimum deposit | Not confirmed | CHF 1 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) | Not confirmed |
Same on both: Account kind (ISA).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finanzguru AT scores higher overall: 9.0 vs 8.8.
- Headline rate is higher at Finanzguru AT: 7% vs 0.15%.
- Support channels: only frankly.ch offers Phone.
Our verdict on each
Finanzguru AT
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.
frankly.ch
frankly.ch suits Swiss savers who want a digital tax shelter account with no standing monthly charge. The catch is the interest: 0.15% sits far below the 3.29% from Wise and the 3.01% from bunq. That gap decides the choice for anyone comparing on yield alone.
Score breakdown
| Area | Finanzguru AT | frankly.ch |
|---|---|---|
| Cost | 9.1HigherThe account carries a monthly fee of €0, while registration is free. | 8.9Monthly fee CHF 0 on a no monthly fee model, with a minimum deposit of CHF 1, so running costs sit near the floor. |
| Offer | 9.1HigherThe headline rate is 7% with a fixed rate of fixed. | 8.6Headline rate 0.15% on a variable rate, ranked 442 of 488 brands on rate. |
| Trust | 8.8 | Not confirmed |
Licences and countries
| Country | Finanzguru AT | frankly.ch |
|---|---|---|
| Germany | IHK Frankfurt am Main D-LVC7-NRKYT-67 | Not confirmed |
| Switzerland | Not confirmed |
Additional countries for Finanzguru AT: 1. Additional countries for frankly.ch: 1.
Positions in our rankings
| Ranking | Finanzguru AT | frankly.ch |
|---|---|---|
| Savings | 439 of 1492 | 624 of 1492 |
| Cash ISAs | 7 of 11 | 9 of 11 |
A third option
Plazo ES has headline rate at 24.19%, against 7% for Finanzguru AT and 0.15% for frankly.ch.
Plazo ES reviewEvery fact side by side
| Fact | Finanzguru AT | frankly.ch |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | dwins GmbH | Sparen 3 pension foundation of Zuercher Kantonalbank |
| Headquarters | Germany | Switzerland |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Robo-advisors
| Fact | Finanzguru AT | frankly.ch |
|---|---|---|
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | Finanzguru AT | frankly.ch | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 0.15%lowest quarter | 3.3% |
Median across 710 listed providers.
Pros and cons
Finanzguru AT
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.
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.
frankly.ch
Pros
- The monthly fee is CHF 0, so there is no standing charge on the account.
- The account is fully digital by app or web, with no minimum deposit and no minimum term.
- A variable rate means the return can move rather than being locked for a set period.
Cons
- The headline rate of 0.15% sits well below the 3.29% from Wise and the 3.01% from bunq.
- A variable rate leaves the return exposed to policy moves rather than locking it in.
- The balance sits inside a isa wrapper held by Sparen 3 pension foundation of Zuercher Kantonalbank, so the money is tied to retirement saving rather than sitting as plain cash savings.
Who each suits
Finanzguru AT
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.
frankly.ch
Who it suits
- Swiss residents setting aside money in a tax shelter through an app
- Savers who want a digital account with no standing monthly charge and no minimum term
- Savers who can accept a variable rate and a return well below the 3.29% that Wise pays
Who should look elsewhere
- Anyone chasing the highest interest, since Wise pays 3.29% against 0.15% here
- Savers who need a fixed deal, as the rate here is variable while Finteres runs a band reaching 0% to 36%
Current offers
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Country by country
| Country | Finanzguru AT | frankly.ch |
|---|---|---|
| Germany | Yes | No |
| Switzerland | No | Yes |
Questions about each
Finanzguru AT
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.
frankly.ch
What rate does frankly.ch pay and is it fixed?+
The headline rate is 0.15% and the rate type is variable, so the return is one the provider can move rather than a figure locked for a set period. A saver who budgets around a future yield takes on that uncertainty. Readers who want a predictable return should treat a fixed product as the more comfortable choice.
Is there a monthly fee on the account?+
The monthly fee is CHF 0 and the account runs on a no monthly fee model, so there is no standing charge to weigh. That makes the cost side the strongest part of the offer, and the gap shows in the scores: 4.7 for cost against 0.6 for offer. A reader can treat the quoted rate as the full return on the balance.
Other options to compare
Finanzguru AT
frankly.ch