Updated September 29, 2026 · VaultCue Editorial Team
Finanzguru AT vs Tandem Bank
Finanzguru AT
Higher score in this comparison
Tandem Bank
Finanzguru AT vs Tandem Bank: the differences
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | Tandem BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 4% |
| Rate type | Fixed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | 24/7 access, unlimited withdrawals and replacements in the same tax year |
| Monthly fee | €0 | 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 8.9.
- Headline rate is higher at Finanzguru AT: 7% vs 4%.
- Support channels: only Tandem Bank offers Chat, 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.
Tandem Bank
Tandem Bank's cash ISA pays a variable rate of 4% with access around the clock and deposit protection of FSCS up to GBP 85,000, which suits UK savers wanting money they can reach. The trade-off is a rate that can move, and the offer sits below the cash ISA median across the site.
Score breakdown
| Area | Finanzguru AT | Tandem Bank |
|---|---|---|
| Cost | 9.1The monthly fee is €0 and the model is no monthly fee, so holding the product costs nothing to run. | Not confirmed |
| Offer | 9.1A fixed rate of 7% on the Sparbooster, above the site median of 3% but mid-table at 56. | 9.6HigherA variable 4% on a isa account, where the cash ISA median across the site is 4.25%. |
| Trust | Not confirmed | 8.5 |
Where each is licensed and available
| Country | Finanzguru AT | Tandem Bank |
|---|---|---|
| Germany | IHK Frankfurt am Main D-LVC7-NRKYT-67 | Not confirmed |
| United Kingdom | Not confirmed |
Additional countries for Finanzguru AT: 1. Additional countries for Tandem Bank: 1.
If neither fits
Amonatbonk has headline rate at 13%, against 7% for Finanzguru AT and 4% for Tandem Bank.
Amonatbonk reviewWhere these facts come from
Finanzguru AT
- finanzguru.de: 9 facts, checked September 26, 2026
- portal.mvp.bafin.de: 1 fact, checked September 26, 2026
Tandem Bank
- tandem.co.uk: 9 facts, checked September 26, 2026
How they place
| Ranking | Finanzguru AT | Tandem Bank |
|---|---|---|
| Savings accounts | 270 of 1420 | 445 of 1420 |
| Cash ISAs | 3 of 11 | 6 of 11 |
Every fact side by side
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | dwins GmbH | Tandem Bank Limited |
| Headquarters | Germany | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Everyday accounts
| Fact | Finanzguru AT | Tandem Bank |
|---|---|---|
| Features | Digital only | Not confirmed |
Where each stands against the rest
| Fact | Finanzguru AT | Tandem Bank | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 4%above the median | 3.25% |
| Monthly fee | €0at the median | Not confirmed | €0 |
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.
Tandem Bank
Pros
- A isa account with access around the clock, unlimited withdrawals and unlimited replacements in the same tax year.
- Deposit protection of FSCS up to GBP 85,000, with a regulated UK bank behind the balance.
- Help is offered across chat, email and phone, covering chat, email, phone and a help centre.
Cons
- The rate is variable, so 4% is a level the bank can change rather than a return held for a term.
- On headline rate it ranks 142 of 473 brands. The cash ISA median across the site is 4.25%, so 4% sits under it.
- Support is limited to chat, email and phone, so a question outside that list is not covered by the published support routes.
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.
Tandem Bank
Who it suits
- UK savers who want a tax sheltered cash account they can draw on at any time.
- Readers who prefer holding money with a regulated UK bank, with deposit protection and a phone support line, rather than with a wallet provider.
- People keeping a flexible pot for bills and short term goals, who accept that the rate can move.
Who should look elsewhere
- Anyone who needs a guaranteed return, because the variable rate can move, and Plazo ES lists a headline rate of 24.19%.
- Readers looking for savings outside the UK tax system, such as PayPal Colombia at 3.3%.
- Readers shopping purely on the biggest advertised figures, since AXI Card Tarjeta y Credito lists 21.59% and Plazo ES lists 24.19%.
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 | Tandem Bank |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | 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.
Tandem Bank
What rate does the Tandem Bank cash ISA pay?+
The account pays a variable rate of 4%. Variable means the bank sets the level and can move it, so this is a rate for today rather than a return locked for a term. For scale, the median cash ISA rate across the site is 4.25% and the lower quartile is 3.97%.
Can I withdraw money whenever I need to?+
The account gives access around the clock with unlimited withdrawals, and replacements are also unlimited in the same tax year. Money can leave the moment a bill or a transfer needs it, and a lost card can be replaced without a yearly cap running out. That flexibility is the reason to hold a buffer here, and the variable rate is the price of it.
Other options to compare
Related by the facts
Finanzguru AT
Tandem Bank