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1822direkt review

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

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Our verdict

1822direkt is an easy-access savings account run by Gesellschaft der Frankfurter Sparkasse mbH in Germany, built for savers who want their money available at any time rather than locked into a term. At 3.5% it pays above the savings-account median of 3.08%, and the bank has been running since 1996.

Key facts

Best for
Savers in Germany who want a variable rate, a monthly fee of €0 and access to their money at any time.
Headline rate
3.5%↗
Rate type
Variable↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily deposits and withdrawals at any time, no notice period or fixed term, reference account required↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Gesellschaft der Frankfurter Sparkasse mbH↗
Headquarters
Germany↗
Founded
1996↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee
Official website
1822direkt.de

Everyday accounts

Features
Joint account

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXde-de.facebook.com

Pros and cons

Pros

  • Deposits are protected under the EU scheme at EU DGS up to EUR 100,000.
  • Help is available on email, phone and help centre.
  • A joint account is offered, listed under account features as joint account.
  • It ranks 1 of 370 brands on minimum deposit.

Cons

  • The variable rate is set by the bank and can be changed, so 3.5% is a starting point rather than a promise.
  • Access needs a reference account, so an existing current account has to be linked before deposits and withdrawals work.
  • It ranks 184 of 473 brands on headline rate.
1822direkt

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Scored 9.3 / 10 by VaultCue.

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Who it suits

  • Savers who need access to their balance at any time rather than money locked in a term.
  • Households that want deposits protected at EU DGS up to EUR 100,000.
  • Couples or families saving together, since joint account is offered.

Who should look elsewhere

  • Savers chasing a higher headline number, who should compare AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
  • People who keep savings inside a payments wallet, who may prefer PayPal Colombia at 3.3%.

Deposit protection

1822direkt is operated by Gesellschaft der Frankfurter Sparkasse mbH in Germany, under supervision from the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and the Europäische Zentralbank (ECB). Savings balances in the easy-access account sit under the EU deposit guarantee scheme at EU DGS up to EUR 100,000, so deposits stay inside the German deposit insurance arrangement rather than outside it. The limit is set by the scheme itself, not by the account terms.

Rates and card terms

The easy-access account pays a variable rate of 3.5%, so the return follows the bank's pricing rather than being locked for a set period. Deposits and withdrawals can be made daily at any time, with no notice period and no fixed term, and a reference account is required to run it. Savers should treat the headline figure as a starting point, since the bank reviews the rate.

How 1822direkt compares

Where 1822direkt is available

Available
Germany
Licence in Germany
Europäische Zentralbank (ECB), checked September 26, 2026
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

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

Frequently asked questions

What rate does 1822direkt pay, and can it change?+

The easy-access savings account pays a variable rate of 3.5%, above the savings-account median of 3.08%. Because the rate is variable, the bank sets the level and can move it, so the figure is worth reading as a starting point that tracks the bank's own pricing.

What does it cost to keep the account open?+

The easy-access savings account carries a monthly fee of €0, so there is nothing to pay each month for holding the balance. The account model is no monthly fee, which keeps the cost side simple to check against the return earned on the money held in the account.

Do I need to deposit a minimum amount to start?+

The minimum deposit is €0, so a small first transfer is enough to open the balance. A reference account is required to move money in and out, and transfers can be made daily at any time, which lets savers build the balance in stages rather than waiting for a lump sum.

Is my money protected if the bank fails?+

Deposits sit under the EU deposit guarantee scheme at EU DGS up to EUR 100,000. The account is run by Gesellschaft der Frankfurter Sparkasse mbH in Germany, where it is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and the Europäische Zentralbank (ECB), so the balance sits inside the regulated banking system rather than outside it.

Can two people share the account?+

A joint account is available, listed among the account features as joint account, which suits couples, families or shared household saving. Both people work from the same balance, and the easy-access terms still apply, so daily deposits and withdrawals remain part of the arrangement rather than being locked away.

How do I contact the bank if a payment looks wrong?+

Support runs on email, phone and help centre, so savers can reach the team by email, by phone or through the help centre. For an account that allows daily movements in and out, a phone channel matters on the days a transfer needs checking, and the same channels cover rate and account questions.

Who is this account designed for?+

It suits savers based in Germany who want an easy-access balance with no term attached and a monthly fee of €0. People who keep savings inside a payments wallet may weigh a different option, and anyone chasing a fixed-term product would be looking at a different market entirely.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

1822direkt

1822direkt

Savers in Germany who want a variable rate, a monthly fee of €0 and access to their money at any time.

9.3/10See alternatives