growney review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
growney is a German easy-access savings account that suits savers who want their money reachable every day and no monthly fee. The variable rate of 2.25% sits below the savings median 3%, so the appeal is access and low costs rather than the top rate.
Key facts
- Best for
- Savers who need daily access to their money and want no monthly fee.
- Headline rate
- 2.25%↗
- Rate type
- Variable↗
- Minimum deposit
- €1↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Daily access to Tagesgeld at any time, no notice period, no cancellation fees↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- growney GmbH↗
- Headquarters
- Germany↗
- Founded
- 2014↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- growney.de
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- LinkedInXfacebook.cominstagram.com
Pros and cons
Pros
- No monthly fee: the account runs at €0 a month, the same as the listed median €0.
- Tagesgeld can be reached on any day, with no notice period and nothing owed for closing the account.
- Minimum deposit of €1, low enough for a first deposit or a small top-up.
- Support runs through phone, chat and email, so help is not limited to email.
Cons
- The variable rate of 2.25% sits below the savings median 3%.
- The rate type is variable, so the return can move and there is no fixed term to lock a rate into.
- The minimum deposit of €1 sits above the savings median €0.11, so it is not the lowest entry point.
Who it suits
- Savers who keep a buffer they may need quickly and want daily access.
- Readers comparing on running cost, since the monthly fee is €0.
- People who want several ways to reach support: phone, chat and email.
Who should look elsewhere
- PayPal Colombia, listed at 3.3%, for readers who put the rate above daily access.
- Plazo ES, listed at 24.19%, for anyone chasing the highest headline number.
Fees and FX
The savings account carries a monthly fee of €0, so the cost of keeping money there is nothing. The minimum deposit is €1, which makes a first deposit or a small top-up easy to place. The account follows a no-monthly-fee model, and that no-fee structure is the main number to compare against other savings accounts.
Deposit protection
Deposits are covered by EU DGS up to EUR 100,000, the European deposit guarantee that applies to balances held in the euro area. growney is run by growney GmbH, based in Germany, and works under the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Deutsche Bundesbank. The company has been operating since 2014.
How growney compares
8.9 vs 8.6
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8.9 vs 9.1
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8.9 vs 8.7- 8.9 vs 8.0
8.9 vs 9.0
8.9 vs 8.1
8.9 vs 8.7
8.9 vs 8.0
8.9 vs 9.5
8.9 vs 9.4
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.0
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8.9 vs 8.5
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8.9 vs 8.5
8.9 vs 8.4
8.9 vs 8.3
8.9 vs 9.0
Where growney is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
- Licence in Germany
- Deutsche Bundesbank, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does growney charge to hold savings?+
The savings account has a monthly fee of €0, and growney sells it on a no-monthly-fee model. The minimum deposit is €1, so opening an account takes a small amount. For a saver, the running cost of the balance is the number to weigh.
What rate does growney pay, and can it change?+
The headline rate is 2.25% and the rate type is variable, so the return follows the provider rather than being fixed for a term. It sits below the savings median 3%, which is why access and fees do more of the work here than the rate itself.
How much do I need to open the account?+
The minimum deposit is €1, which is above the savings median €0.11 but still a small sum to start. Because there is no monthly fee, the deposit size rather than any account charge sets what you need.
Is my money safe with growney?+
Deposits are covered by EU DGS up to EUR 100,000, so the balance sits inside the European deposit guarantee. growney operates as growney GmbH in Germany and is overseen by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Deutsche Bundesbank. The company has been running since 2014.
Can I get my money out quickly?+
The account is listed as easy access, and the access terms let savers reach Tagesgeld on any day, with no notice period and nothing owed for closing. Money moves when the saver wants rather than after a waiting period or against a withdrawal charge.
How do I contact growney if something goes wrong?+
Support runs through phone, chat and email, which covers phone, chat, email and a help centre. That mix suits readers who want to pick the channel, and the presence of phone and chat means help is not limited to written requests.
Who runs growney and for how long?+
growney is run by growney GmbH, a company based in Germany that has been operating since 2014, and it works under the watch of the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the Deutsche Bundesbank. Those are the German authorities named for the firm, the pairing a reader should check before opening an account.
Sources
- growney.de/kosten checked September 26, 2026
Backs: Access terms, Pricing model, Monthly fee
- growney.de/legal/impressum checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Licences
“Gegründet: 2014 in Berlin”
- growney.de/sparen checked September 26, 2026
Backs: Account kind, Headline rate, Rate type, Support channels
“Unser ausgezeichnetes Serviceteam steht Dir unter 030 - 2201 2467 0, per Chat oder per E-Mail unter fragen@growney.de zur Verfuegung.”
- kundenservice.growney.de/hc/de/articles/8162317994780-Wie... checked September 26, 2026
Backs: Minimum deposit
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.