Crezu ES review

The monthly fee is €0 on the easy access account, and Crezu states None charged by Crezu for transfers. The no monthly fee model means there is no account charge to plan around. Across the site the median monthly fee is €0, while the highest is €449, so Crezu sits at the cheap end.

The headline rate is 0% to 36% and it is variable, so the figure can move rather than stay locked in place. The median headline rate for savings accounts on the site is 3%, with the top of the range reaching 105%. Anyone saving a large sum should check the rate the balance actually earns.

You can apply online at any time with a phone number, an ID and a bank account, and the money can arrive within minutes. The account is easy access and the service is digital only, so opening and managing the balance happens in the app. It is an adults-only service, so a minimum age applies.

Support runs on email and phone, so a phone call is an option alongside email. There is no live chat or counter service, since the setup is digital only, which matters if you prefer to talk a problem through. The legal entity behind the service is Fininity OÜ, the name to quote if you escalate.

The provider is Fininity OÜ, based in Estonia, and it has been running since 2018. Its monthly fee is €0, and the balance sits in an easy access account earning a variable rate. Anyone comparing providers can weigh that against the 3 alternatives listed here.

The Crezu headline rate runs 0% to 36%. AXI Card publishes 21.59% and Plazo ES publishes 24.19%, both under the top of that range, while PayPal Colombia lists 3.3%. Because the Crezu rate is variable, the number is not guaranteed to stay there.

It is an easy access account, the most common type in this group, with 76.7% of the brands sharing it. Crezu also states None charged by Crezu for transfers, so taking money out adds nothing at their end. The digital only setup means you manage the balance from the app rather than a branch.