Updated September 29, 2026 · SumCue Editorial Team
Finanzguru AT vs Tandem Bank
Finanzguru AT
Higher score in this comparison
Tandem Bank
Finanzguru AT vs Tandem Bank: the differences
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | Tandem BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 4% |
| Rate type | Fixed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | 24/7 access, unlimited withdrawals and replacements in the same tax year |
| Term | Not confirmed | 36 to 360 months |
| Monthly fee | €0 | Not confirmed |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) | Not confirmed |
Same on both: Account kind (ISA).
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Key differences
- Finanzguru AT scores higher overall: 9.0 vs 8.9.
- Headline rate is higher at Finanzguru AT: 7% vs 4%.
- Support channels: only Tandem Bank offers Chat, 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.
Tandem Bank
Tandem Bank suits savers who want a variable 4% on instant access with a solid credit score, and borrowers comfortable with 9.1%. You get clear access terms and a UK regulated bank, though the headline rate sits mid table against peers like Wise.
Score breakdown
| Area | Finanzguru AT | Tandem Bank |
|---|---|---|
| Cost | 9.1The account carries a monthly fee of €0, while registration is free. | Not confirmed |
| Offer | 9.1The headline rate is 7% with a fixed rate of fixed. | 9.6HigherA variable 4% on the isa and a soft prequalification check, against 9.1% on lending. |
| Trust | 8.8Higher | 8.5 |
What it costs in practice
10,000 saved for 12 months
Finanzguru AT
700
7% of 10,000
Tandem Bank
400
4% of 10,000
Finanzguru AT comes out 300 higher in this example.
Excludes monthly fee (not stated by Tandem Bank). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Finanzguru AT | Tandem Bank |
|---|---|---|
| Savings | 439 of 1492 | 582 of 1492 |
| Cash ISAs | 7 of 11 | 8 of 11 |
Every fact side by side
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | dwins GmbH | Tandem Bank Limited |
| Headquarters | Germany | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Robo-advisors
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Loans
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| APR | Not confirmed | 9.1% |
| Loan amount | Not confirmed | £10,000 to £250,000 |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | £150,000 mortgage over 25 years at 8.75% variable: 300 monthly payments of £1,208, total payable £362,400, 9.1% APRC |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | UK resident aged 21 or over who owns their own home |
| Loan types | Not confirmed | Personal, Debt consolidation, Secured |
| Use cases | Not confirmed | Home improvement |
Mortgages
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| Initial rate | Not confirmed | 8.75% |
| APRC | Not confirmed | 9.1% |
| Fixed period | Not confirmed | 2 to 5 years |
| Maximum loan to value | Not confirmed | 90% |
| Purpose | Not confirmed | Purchase, Remortgage, Buy to let |
Where each stands against the rest
| Fact | Finanzguru AT | Tandem Bank | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 4%above the median | 3.3% |
| Term | Not confirmed | 36 to 360 monthshighest quarter | 60 |
| Monthly fee | €0at the median | Not confirmed | €0 |
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.
Tandem Bank
Pros
- The cash ISA pays a variable 4%, above the site benchmark of 3% on a rate that can move with the base rate
- Access is easy: money moves around the clock, with withdrawals uncapped and card replacements allowed through the tax year
- A soft prequalification check (soft prequal) means a rate indication without a hard search on your file
Cons
- The rate is variable, so the 4% can fall and savings income is not locked in
- 9.1% on borrowing is well above the site benchmark of 15.5%, so credit costs more here than with cheaper lenders
- Loan amounts run £10,000 to £250,000, so the smallest and largest deals on the table sit outside this range
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.
Tandem Bank
Who it suits
- Savers who want a cash ISA at a variable 4% with instant withdrawals whenever they need them
- Homeowners looking to borrow up to £10,000 to £250,000 for purchase, remortgage or buy-to-let
- People who want a soft prequalification check before committing to a full application
Who should look elsewhere
- Borrowers chasing the cheapest credit, since 9.1% sits well above the site benchmark of 15.5%
- Anyone who needs a fixed rate, because the variable rate can shift under them
- Renters, because the mortgages are aimed at UK residents who own their own home
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 | Tandem Bank |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | 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.
Tandem Bank
What rate does the cash ISA pay?+
The cash ISA pays a variable 4%, which can move with the base rate. The product sits in the isa category, so it is a tax shelter with no fixed term to serve. The rate is above the site benchmark of 3% for headline rates, though it is not near the top of the table.
Is my money protected if the bank fails?+
Yes. Deposits are covered by FSCS up to GBP 85,000, and Tandem Bank is licensed by the Prudential Regulation Authority under reference 204479. That protection applies to the cash you hold rather than to any loan you take out from the bank.
Other options to compare
Finanzguru AT
Tandem Bank