Finanzguru AT review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Finanzguru AT suits savers who want to run everything from one online view, and who value a balance covered by EU DGS up to EUR 100,000. Readers who want a rate that follows policy moves, or who need help beyond email and help centre, should read the terms first.
Key facts
- Best for
- Savers wanting a fixed return of 7% with a €0 monthly fee and a protected balance.
- Headline rate
- 7%↗
- Rate type
- Fixed↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR↗
- Monthly fee
- €0↗
- Account kind
- ISA↗
- Legal entity
- dwins GmbH↗
- Headquarters
- Germany↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- finanzguru.de
Everyday accounts
- Features
- Digital-only
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Wikidatachromewebstore.google.com
Pros and cons
Pros
- Balances sit under EU DGS up to EUR 100,000, so the money has a named scheme behind it.
- Registration is free without authentication, and a wide range of banks and providers can be linked into a single view.
- The intermediary registration D-LVC7-NRKYT-67 gives readers a named German body to check and a claim to make.
- The 7% return is well ahead of the 3.3% shown by PayPal Colombia.
Cons
- Support runs on email and help centre only, so a question about the savings product gets no phone answer.
- The service is digital only, which keeps every task on screen with no counter service for readers who prefer face-to-face help.
- On the site's headline rate table the 7% ranks at 56 of 473 brands compared, so it is competitive without sitting among the highest figures.
- Protection stops at EU DGS up to EUR 100,000, so anything above that limit needs a second home.
Who it suits
- Readers in DE who want savings managed entirely online and priced at €0 a month.
- Savers planning ahead who prefer a fixed return of 7% that does not move with policy decisions.
- Anyone who wants many banks and providers gathered in one view rather than a single-provider account.
Who should look elsewhere
- Borrowers rather than savers: AXI Card Tarjeta y Credito and Plazo ES advertise 21.59% and 24.19% on credit terms, so they answer to revolving balances rather than to the EU DGS up to EUR 100,000 cover behind this account.
- Readers after a plain everyday balance: PayPal Colombia pays 3.3%, far below the 7% here, so it suits a small pot that only needs to earn something.
Access to your money
Signing up is free and needs no authentication, and a wide range of banks and providers can be linked so balances sit in one view instead of separate apps. The Sparbooster credit can be withdrawn from a small euro balance, so access to the money does not depend on a long wait, and the fixed rate keeps paying while the balance sits there.
Who regulates it
Two German bodies are listed for this brand. BaFin is the federal supervisor, and the intermediary register entry sits with IHK Frankfurt am Main under D-LVC7-NRKYT-67. That register listing tells German readers which body to approach if a question about the distributor or the savings product needs an official route.
Rates and card terms
The Sparbooster pays a fixed rate of 7%, above the site median of 3% for headline rates. A fixed rate holds through its term, so the return does not follow policy rate decisions in either direction, which makes it easy to plan around. On the site's headline rate ranking the brand sits at 56 of 473 brands compared, competitive without reaching the highest figures on the page.
Deposit protection
Balances are covered by EU DGS up to EUR 100,000, and that limit is the figure to plan around, since anything above it is not covered. The register entry under D-LVC7-NRKYT-67 adds a second check, giving readers a named German body to raise a question with if a balance or a withdrawal does not behave as described.
The company behind it
The brand is run by dwins GmbH, registered in Germany, and the intermediary listing appears under D-LVC7-NRKYT-67. Support runs on email and help centre, which suits readers comfortable writing an email or working through a help centre, and suits those who want to talk to someone far less.
How Finanzguru AT compares
9.1 vs 8.6
9.1 vs 9.5
9.1 vs 8.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.7- 9.1 vs 8.0
9.1 vs 9.0
9.1 vs 8.1
9.1 vs 8.7
9.1 vs 8.0
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 9.0
Where Finanzguru AT is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- IHK Frankfurt am Main (D-LVC7-NRKYT-67), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Sparbooster pay?+
The Sparbooster pays a fixed rate of 7%. A fixed rate means the return does not shift with policy rate decisions during the term, which helps when you are saving towards a set date. The figure sits above the site median of 3%.
What does it cost to hold the account?+
Holding the account costs €0 a month, and the product is built as no monthly fee. Registration is free and needs no authentication, so opening it adds nothing to the running cost, and the site median monthly fee is €0.
Is my money protected?+
Balances are covered by EU DGS up to EUR 100,000. The limit is the figure that matters, since money above it is not covered by the scheme, so anyone holding a larger balance should keep the excess elsewhere. The register entry under D-LVC7-NRKYT-67 also gives a body to check with.
Who regulates this brand?+
Two German regulators are listed for it. BaFin is the federal supervisor, and the intermediary register entry sits with IHK Frankfurt am Main under D-LVC7-NRKYT-67. That registration is the line to quote if a question about the distributor or the savings product needs an answer from a named body.
How do I get started and reach my money?+
Registration is free and needs no authentication, and a wide range of banks and providers can be linked so balances sit in one view. The Sparbooster credit is withdrawable from a small euro balance, which means you do not have to leave money parked for long to reach it.
What kind of account is it?+
The account is listed as isa. Listings of that kind are uncommon on the site, at 1.6% of the savings rows, so a reader comparing like with like should read the rate and the term on this one rather than assume it behaves as a standard easy-access account.
What support can I get?+
Support runs on email and help centre. Email suits questions that need a written record, and the help centre covers common tasks without a call. Phone support is the gap to weigh, and readers who need voice help will find more of it elsewhere on the site.
How does the rate compare with the alternatives?+
The savings rate here is 7%, well ahead of the 3.3% advertised by PayPal Colombia. AXI Card Tarjeta y Credito and Plazo ES sit at 21.59% and 24.19%, but those are credit and card figures, so they are not saving rates to weigh directly.
Where does this brand rank on headline rate?+
On the site's headline rate ranking the brand sits at 56 among 473 brands compared. That is a mid-table position, so the 7% is competitive against the median of 3% without sitting among the highest figures on the page.
Sources
- finanzguru.de checked September 26, 2026
Backs: Access terms, Pricing model, Monthly fee
“Yes, you can link more than 4,000 banks and providers (current account, savings account, crypto exchange or depot) to your Finanzguru account.”
- finanzguru.de/altersvorsorgedepot checked September 26, 2026
Backs: Account kind
“The Finanzguru Altersvorsorgedepot is a state-subsidised securities account for private retirement provision: capital gains and income are tax-free in the accumulation phase and contributions receive...”
- finanzguru.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“dwins GmbH, c/o Design Offices, Wiesenhuettenplatz 25, 60329 Frankfurt am Main”
- finanzguru.de/sparbooster checked September 26, 2026
Backs: Headline rate, Rate type
“Until your Altersvorsorgedepot starts in January 2027, you get a 7 % subsidy per year as a gift - it is not real interest but a subsidy when buying the Altersvorsorgedepot.”
- portal.mvp.bafin.de/database/ZahlInstInfo/zahlinst.do checked September 26, 2026
Backs: Deposit protection, Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit.
Related by the facts
Finanzguru AT
Savers wanting a fixed return of 7% with a €0 monthly fee and a protected balance.