BKM Bausparkasse Mainz review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BKM Bausparkasse Mainz is a savings account in DE for savers who want daily access to their money and no charge for holding a balance. The 0.75% headline rate sits below the savings median of 3.08%, so the value rests on the €0 minimum deposit and daily availability.
Key facts
- Best for
- German savers who want daily access and no monthly charge.
- Headline rate
- 0.75%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- maxTagesgeld: daily availability, no minimum investment, interest from the first euro↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Bausparkasse Mainz Aktiengesellschaft↗
- Headquarters
- Germany↗
- Founded
- 1930↗
- Support channels
- Phone, Email↗
- Pricing model
- No monthly fee
- Official website
- bkm.de
Facts checked September 26, 2026, 3 sources
Apps and profiles
Pros and cons
Pros
- The monthly fee is €0 and the minimum deposit is €0, so keeping money there carries no ongoing charge.
- Access terms allow daily availability with no minimum investment, on an easy access account rather than a fixed term.
- Deposits are held under EU DGS up to EUR 100,000, and the provider is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
- The €0 minimum deposit puts it at position 1 of 370 brands on the site.
Cons
- The 0.75% headline rate is the weak point, well under the savings median of 3.08%.
- The rate is variable, so there is no locked-in return if market rates move down.
- Support runs on phone and email only, so help is limited to phone and email.
Who it suits
- Savers in DE who need their money back on short notice
- Anyone building a pot from a small balance, since the minimum deposit is €0
- Households that want deposits under EU DGS up to EUR 100,000 with no monthly charge
Who should look elsewhere
- Return seekers, who would do better with PayPal Colombia at 3.3%
- Anyone who needs to borrow or spend on a card, better served by Plazo ES at 24.19% or AXI Card Tarjeta y Credito at 21.59%
How BKM Bausparkasse Mainz compares
9.3 vs 8.6
9.3 vs 9.5
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.7- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.1
9.3 vs 8.7
9.3 vs 8.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 9.0
Where BKM Bausparkasse Mainz is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate does BKM Bausparkasse Mainz pay on savings?+
The savings account pays a headline rate of 0.75%, and the rate is variable, so the figure can change rather than being fixed for a set term. That sits below the savings-account median of 3.08%, which shows where the account lands on return.
Is there a monthly fee or a minimum deposit to open the account?+
There is no monthly charge: the fee is €0 and the account runs on a no-monthly-fee model. The minimum deposit is €0, so an account can be opened with a small balance and still earn the headline rate of 0.75%.
Is the money protected and who regulates the provider?+
Deposits are covered by EU DGS up to EUR 100,000, the European deposit guarantee scheme, which protects eligible savings up to that stated limit. BKM Bausparkasse Mainz, whose legal entity is Bausparkasse Mainz Aktiengesellschaft, is based in Germany and supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
How quickly can I get my money back out?+
The account is easy access, and the access terms allow daily availability with no minimum investment. Money can be taken out on a day basis rather than being tied for a notice period or a fixed term, which suits anyone holding a rainy-day pot rather than a planned deposit.
What kind of company is behind this account?+
The provider is Bausparkasse Mainz Aktiengesellschaft, a German building savings bank founded in 1930 and based in Germany. Its savings product is an easy-access account rather than a fixed-term bond, and it is regulated in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin).
How does the rate compare with other savings accounts here?+
On headline rate, BKM Bausparkasse Mainz sits at position 394 of the 473 brands rated, and the overall score is 4.2. The cost part of the score is 6.5 while the offer part is 1.1, and that gap is the trade-off to weigh.
How do I get help if something goes wrong?+
Support runs on phone and email, so you can reach the team by phone or by email. Because the account carries a €0 monthly fee, the help you get does not come with a separate service charge.
Who is this savings account for?+
It suits savers in DE who want their money reachable on short notice and who do not want a monthly charge, since the minimum deposit is €0 and the fee is €0. It is less suited to anyone optimising for return, because 0.75% is the weak point.
Sources
- bkm.de/deine-bkm/ueber-uns checked September 26, 2026
Backs: Founded
- bkm.de/geldanlage/tagesgeld checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“maxTagesgeld, Laufzeit flexibel, Zinsen p.a. 0,75% var., Stand: 31.07.2025”
- bkm.de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels, Licences
“Bausparkasse Mainz Aktiengesellschaft, Kantstraße 1, 55122 Mainz”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
BKM Bausparkasse Mainz
German savers who want daily access and no monthly charge.