Wüstenrot Bausparkasse review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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.
Our verdict
Wüstenrot Bausparkasse suits savers who want daily access to their balance and a monthly fee of €0, plus households planning a property purchase or remortgage. The catch is the rate: a variable 1% on easy access sits well below the site median of 3%.
Key facts
- Best for
- An easy-access German savings pot with no monthly fee, plus a Bausparasse-style route to a home.
- Headline rate
- 1%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Daily access to the balance via a linked current account, no minimum term, no notice period, interest credited quarterly↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Wuestenrot Bausparkasse AG↗
- Headquarters
- Germany↗
- Founded
- 1921↗
- Support channels
- Email, Phone, Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- wuestenrot.de
Mortgages
- Initial rate
- 4.85%↗
- APRC
- 4.96%↗
- Fixed period
- 10 years↗
- Maximum loan to value
- 60%↗
- Purpose
- Purchase, Remortgage↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
Pros and cons
Pros
- No monthly fee on the account, at €0
- Minimum deposit of €0, so any amount can start
- Balance reachable the same day through a linked current account, with no notice to serve and nothing to lock in
- Support covers email, phone and chat
Cons
- The easy-access rate is variable, and a variable rate can move
- Headline rate of 1% is well under the site median of 3%
- Access needs a linked current account, which narrows how the money can be reached
Who it suits
- Savers in Germany who want their balance reachable the same day
- Households building a deposit for a home purchase or a remortgage
- Customers who want to deal with one provider for the savings pot and the later mortgage
Who should look elsewhere
- Savers chasing the highest easy-access rate, since bunq pays 3.01%
- Anyone wanting a fixed-rate term deal, as this rate type is variable
How it compares on our data
On headline rate, Wüstenrot Bausparkasse ranks 386 of 488, so the 1% here sits at the quiet end of what the site lists. The easier number to like is the entry point: on minimum deposit it ranks 1 of 379, since €0 is asked of you. In short, joining is cheap and holding is easy to reach, but the rate on the balance is the weak side.
Deposit protection
Balances sit under the EU deposit guarantee scheme at EU DGS up to EUR 100,000. That is the cover that matters for a cash pot, and it comes from the same rule that protects deposits across the single market, so there is no separate claim to chase. The provider is supervised in Germany by the Federal Financial Supervisory Authority (BaFin) and the European Central Bank.
How Wüstenrot Bausparkasse compares
9.5 vs 8.0
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 8.5
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 8.9
9.5 vs 9.2
9.5 vs 8.7
9.5 vs 9.3
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0- 9.5 vs 8.0
9.5 vs 9.0
9.5 vs 8.6
9.5 vs 8.3
9.5 vs 9.5
9.5 vs 9.4
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 8.9- 9.5 vs 8.9
9.5 vs 8.9
9.5 vs 8.8
9.5 vs 8.7
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.5
9.5 vs 8.4- 9.5 vs 8.0
9.5 vs 9.0
Where Wüstenrot Bausparkasse is available
- Available
- Germany
- Licence in Germany
- European Central Bank, checked September 26, 2026
- Licence in Germany
- Federal Financial Supervisory Authority (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Wüstenrot Bausparkasse cost to hold?+
There is no monthly fee on the easy-access account, shown as €0, and the minimum deposit is €0. So running the account costs nothing in the usual way. The trade-off sits on the rate you earn rather than on charges.
What rate do I get on the savings account?+
The headline rate is 1% and it is variable, so the provider can change it. For context, the site median across the products it lists is 3%. The rate is the main reason to look elsewhere if income from savings matters most.
Can I get at my money when I want it?+
Yes. You reach the balance whenever you choose through a linked current account, with nothing locked away and no notice to serve first. Interest is added each quarter rather than each month, which is worth knowing if you rely on that income.
Is my money protected if the provider fails?+
Deposits are covered by the EU deposit guarantee scheme at EU DGS up to EUR 100,000. Supervision in Germany sits with the Federal Financial Supervisory Authority (BaFin) and the European Central Bank. A Bausparkasse is a home finance specialist as well as a savings provider, so the savings side is the part covered by that scheme.
Can I use the same provider for my mortgage later?+
That is the point of the Bausparkasse model. The mortgage side runs at an initial rate of 4.85% with 4.96% as the annual percentage rate of charge over a fixed period of 10 years. The stated purposes are purchase and remortgage, with a maximum loan to value of 60%.
How does this compare with the highest paying accounts?+
The gap is wide. Wise pays a headline rate of 3.29% and bunq 3.01%, against 1% here. Wüstenrot is the pick only if the German home finance route or the daily access matters more than the rate.
What support do I get?+
Support runs on email, phone and chat, so you can reach the provider by phone, email, live chat or a help centre. A named contact and a self-service library both sit behind the account.
Sources
- wuestenrot.de/baufinanzierung/finanzierungsloesungen checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Wuestenrot Wohndarlehen Classic: from 4.96% p.a. effective annual rate, 4.85% fixed nominal interest rate, 10 years fixed; effective annual interest 4.96% p.a.”
- wuestenrot.de/geldanlage/festgeldkonto checked September 26, 2026
Backs: Minimum deposit
“Mindesteinlage Top Tagesgeld: Keine”
- wuestenrot.de/geldanlage/tagesgeldkonto checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“Unser Tagesgeldkonto ist kostenlos”
- wuestenrot.de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels, Licences
“W&W-Platz 1, 70806 Kornwestheim, Deutschland”
- wuestenrot.de/ueber-uns checked September 26, 2026
Backs: Founded
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Wüstenrot Bausparkasse
An easy-access German savings pot with no monthly fee, plus a Bausparasse-style route to a home.