Updated September 29, 2026 · VaultCue Editorial Team
Finanzguru AT vs frankly.ch
Finanzguru AT
Higher score in this comparison
frankly.ch
What sets them apart
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | frankly.chReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 0.15% |
| Rate type | Fixed | Variable |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | Fully digital, app or web, no minimum deposit and no minimum term |
| Monthly fee | €0 | CHF 0 |
| Minimum deposit | Not confirmed | CHF 1 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Account kind (ISA).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finanzguru AT scores higher overall: 9.1 vs 8.8.
- Headline rate is higher at Finanzguru AT: 7% vs 0.15%.
- Support channels: only frankly.ch offers Phone.
Our verdict on each
Finanzguru AT
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.
frankly.ch
Frankly is a digital, fee free isa for people who want an account that costs nothing to hold and asks for almost nothing to open. It suits savers who value convenience over return: the rate is 0.15% and variable, far below where most accounts sit.
Score breakdown
| Area | Finanzguru AT | frankly.ch |
|---|---|---|
| Cost | 9.1HigherThe monthly fee is €0 and the model is no monthly fee, so holding the product costs nothing to run. | 9.0Monthly fee is CHF 0 and the minimum deposit is CHF 1, so the entry cost is close to nothing. |
| Offer | 9.1HigherA fixed rate of 7% on the Sparbooster, above the site median of 3% but mid-table at 56. | 8.7The rate is 0.15% and variable, close to the bottom of the savings ranking. |
How they place
| Ranking | Finanzguru AT | frankly.ch |
|---|---|---|
| Savings accounts | 270 of 1420 | 466 of 1420 |
| Cash ISAs | 3 of 11 | 7 of 11 |
Where each is licensed and available
| Country | Finanzguru AT | frankly.ch |
|---|---|---|
| Germany | IHK Frankfurt am Main D-LVC7-NRKYT-67 | Not confirmed |
| Switzerland | Not confirmed |
Additional countries for Finanzguru AT: 1. Additional countries for frankly.ch: 1.
Sources behind this comparison
Finanzguru AT
- finanzguru.de: 9 facts, checked September 26, 2026
- portal.mvp.bafin.de: 1 fact, checked September 26, 2026
frankly.ch
- frankly.ch: 8 facts, checked September 26, 2026
- play.google.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Finanzguru AT | frankly.ch |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | dwins GmbH | Sparen 3 pension foundation of Zuercher Kantonalbank |
| Headquarters | Germany | Switzerland |
| Support channels | Email, Help centre | Email, Phone, Help centreCovers more |
Everyday accounts
| Fact | Finanzguru AT | frankly.ch |
|---|---|---|
| Features | Digital only | Not confirmed |
Where each stands against the rest
| Fact | Finanzguru AT | frankly.ch | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 0.15%lowest quarter | 3.25% |
Median across 658 listed accounts.
Pros and cons
Finanzguru AT
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.
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.
frankly.ch
Pros
- No monthly charge: the monthly fee is CHF 0 and the model is no monthly fee
- The minimum deposit is CHF 1, so the account opens at a token amount
- Access is fully digital by app or web, with no minimum term attached
Cons
- The rate is 0.15%, far under the 4.5% typical of the savings accounts we track
- The rate is variable and variable, so it can move down in the same way it can move up
- The account is isa, which locks money away from a UK cash ISA even though the monthly fee is CHF 0
Who each suits
Finanzguru AT
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.
frankly.ch
Who it suits
- Anyone starting small, since the minimum deposit is only CHF 1
- People who want a no monthly fee account and never want to see a monthly charge
- Savers who are happy with a variable return and use their own phone or laptop to manage it
Who should look elsewhere
- Anyone chasing return: 0.15% sits well below the 4.5% of the wider savings ranking
- Anyone who wants UK cash ISA tax shelter, as the account kind is isa
- People who want counter service, because access is fully digital and support runs on email, phone and help centre only
Current offers
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Country by country
| Country | Finanzguru AT | frankly.ch |
|---|---|---|
| Germany | Yes | No |
| Switzerland | No | Yes |
Questions about each
Finanzguru AT
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.
frankly.ch
Is there a monthly fee to keep the account?+
No charge is made each month: the monthly fee is CHF 0 and the account model is no monthly fee. That sits alongside a minimum deposit of CHF 1, so the cost of keeping money in the account over a year is limited to the interest you forgo elsewhere.
What rate do I get on the balance?+
The headline rate is 0.15%, and it is variable. Because the rate is variable it can be revised while the account is open, so treat the published figure as a starting point. For scale, the median headline rate across the savings accounts we track is 3.08%.
Other options to compare
Related by the facts
Finanzguru AT
frankly.ch