CosmosDirekt review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CosmosDirekt runs an easy-access savings account under Cosmos Versicherung Aktiengesellschaft, watched by BaFin, paying 2.2% with a monthly fee of €0. It suits savers in Germany who want the whole balance back at any time, though the rate sits under the savings-account median of 3.08%.
Key facts
- Best for
- Easy-access saving in Germany with a set rate and a fee-free balance.
- Headline rate
- 2.2%↗
- Rate type
- Fixed↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Interest credited quarterly; full balance available at any time; no fixed term, free cancellation at any time↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Cosmos Versicherung Aktiengesellschaft↗
- Headquarters
- Germany↗
- Founded
- 1950↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- cosmosdirekt.de
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Deposit protection here is EU DGS up to EUR 100,000.
- Interest is credited quarterly and the full balance is available at any time on an easy access account.
- Support runs on phone, email and help centre.
- A fixed rate of 2.2% on a savings balance rather than a card.
Cons
- 2.2% sits below the savings-account median of 3.08%.
- Interest is credited quarterly on an easy access balance, so the return lands in steps rather than every month.
- The offer score is 2.8 against 5.3 for cost.
Who it suits
- Savers in Germany who want the full balance back at any time.
- People who want their savings protected under EU DGS up to EUR 100,000.
- Customers happy to be helped by phone, email and help centre.
Who should look elsewhere
- Not for chasing the top end of the rate table: PayPal Colombia lists 3.3%.
- Not for card and credit users: AXI Card Tarjeta y Credito lists 21.59% and Plazo ES lists 24.19%, both on card offers rather than savings.
- Not for locking money into a term: the account kind is easy access and access terms allow free cancellation at any time.
Rates and card terms
CosmosDirekt lists a fixed rate of 2.2%. The rate type is the part that matters here: the figure is set rather than tracked against a market benchmark, so it holds for as long as the provider keeps it. The balance is a savings account, so card terms such as annual fees or credit rates do not come into it.
How CosmosDirekt 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 CosmosDirekt is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Industrie- und Handelskammer des Saarlandes (IHK Saarland), authorisation under Sec. 34d GewO (D-JKOV-EB4EH-53), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does CosmosDirekt pay on savings?+
The account pays a fixed rate of 2.2% with no term attached. That is below the savings-account median of 3.08% in the ranking, so the balance trades yield for the freedom to withdraw at any time.
Is there a monthly fee?+
The monthly fee is €0, so nothing is deducted from the balance each month. The savings-account ranking puts the median monthly fee at €0 and the highest at €449, so a fee-free balance is a real saving.
Is my deposit protected?+
Deposits sit under EU DGS up to EUR 100,000. The account belongs to Cosmos Versicherung Aktiengesellschaft, based in Germany, and the licences on file list BaFin and the Industrie- und Handelskammer des Saarlandes, so the money is held by a supervised provider.
How fast can I get my money out?+
The full balance is available at any time and cancellation is free whenever you want it, so there is no term to run out. The account kind is easy access. Interest is credited quarterly, which means the return lands in steps rather than every month.
Who is behind the account?+
The legal entity is Cosmos Versicherung Aktiengesellschaft, founded 1950 and headquartered in Germany. It is an insurance company rather than a bank, and the listed licences cover BaFin and the Industrie- und Handelskammer des Saarlandes.
How do I get help?+
Support runs on phone, email and help centre, so a phone line, email and a help centre are all listed. Help centres are common across the site and chat is not, so the help centre and the phone line do most of the work here.
Who is this account for?+
It suits savers in DE who want the whole balance back at any time and are not chasing the highest headline rate. The monthly fee is €0 and support runs on phone, email and help centre, so there is little to set up and a fee-free balance to hold.
How does CosmosDirekt compare with other savings accounts?+
It scores 4.2 overall, with 5.3 for cost and 2.8 for offer. On headline rate it ranks 311 of 473 brands, which places the 2.2% on offer well down the field.
Sources
- cosmosdirekt.de checked September 26, 2026
Backs: Support channels
“Our customer service is available to you - by phone, by e-mail or via our customer portal”
- cosmosdirekt.de/geldanlage/tagesgeld checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“You can access your entire balance at any time”
- cosmosdirekt.de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Halbergstr. 50, 60661 21 Saarbruecken”
- de.wikipedia.org/wiki/Cosmos_Direkt checked September 26, 2026
Backs: Founded
“The company was founded in 1950 as 'Vereinigte Saarlaendische Volkshilfe und Terra Volks- und Lebensversicherungs-Aktiengesellschaft'”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit.
Related by the facts
CosmosDirekt
Easy-access saving in Germany with a set rate and a fee-free balance.