OSKAR review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Oskar is a digital-only German savings pot for savers who want to top up whenever they like and reach the money again without warning. The minimum deposit is €25, the interest rate is variable rather than locked in for a period, and No cost for the monthly payout plan.
Key facts
- Best for
- A small savings pot you control on your own schedule, with nothing to pay each month.
- Rate type
- Variable↗
- Minimum deposit
- €25↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Cancel any time with no notice period and no cancellation fees; savings plan can be paused from a total of 1,000 EUR↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Oskar.de GmbH↗
- Headquarters
- Germany↗
- Support channels
- Help-centre, Email↗
- Pricing model
- No monthly fee
- Official website
- oskar.de
Everyday accounts
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInyoutube.com
Pros and cons
Pros
- Deposits sit under EU DGS up to EUR 100,000.
- The account is digital only and money moves by iban, so topping up is a phone job.
Cons
- Support runs on help centre and email only, with no phone line or live chat.
- The rate is variable, so the return can fall as well as rise.
- A first top-up has to clear €25, above the field median of €0.11.
Who it suits
- Savers in Germany who want to build a pot through small, irregular top-ups.
- People who prefer a variable rate to a locked one and can leave the balance sitting.
- Customers content to run the whole account from an app rather than a counter.
Who should look elsewhere
- Plazo ES, where the rate is fixed and you would rather lock the return in advance.
- AXI Card Tarjeta y Credito, which pays a fixed rate for people chasing a set return.
- PayPal Colombia, if a starting deposit of $0 suits you better than €25.
Fees and currency costs
The account carries no monthly charge, so the monthly fee is €0. The only upfront figure is the minimum deposit of €25 that has to be in the account before saving starts. After that there is nothing to pay for holding the balance, and a small opening sum is enough to see how the rate behaves.
Who runs it
Oskar is run by Oskar.de GmbH, a company registered in Germany. Support comes through help centre and email, so the help centre and email do the work that a branch or phone desk would elsewhere. The legal details behind the account sit with the same entity, which is the name to check in company records before you commit money.
How OSKAR compares
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8.6 vs 9.0
8.6 vs 8.1
8.6 vs 8.7
8.6 vs 8.0
8.6 vs 9.5
8.6 vs 9.4
8.6 vs 9.3
8.6 vs 9.2
8.6 vs 9.0
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8.6 vs 8.5
8.6 vs 8.5
8.6 vs 8.4
8.6 vs 8.3
8.6 vs 9.0
Where OSKAR is available
- Available
- Austria, Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account open?+
Oskar runs a no-monthly-fee model and the account fee is €0. Nothing is charged for keeping the balance in place, so the only real cost decision is how much you choose to save rather than what the account takes each month.
How much do I need to deposit to start saving?+
The minimum deposit is €25, and that amount has to be in place before the savings side starts. It is a low bar for a German account, but it does mean a first top-up has to be more than pocket change.
Is my money protected if the provider fails?+
Deposits sit under EU DGS up to EUR 100,000. That is the European deposit guarantee covering eligible balances up to the stated ceiling, so the cover depends on the limit the scheme sets rather than on the size of your own balance.
Is the interest rate fixed or variable?+
The rate is variable, so what you earn follows the market and can move down as well as up. That suits someone content to leave the money alone and check in now and then, not someone budgeting around a known figure.
Does it cost anything to take money out?+
Payouts on the monthly plan carry No cost for the monthly payout plan, so drawing the money does not eat into what you have saved. A payout is a scheduled part of how the account works rather than an early exit that leaves you worse off.
How do I pay in and take money out?+
The account is digital only, so the app is where deposits, the balance and payouts all live. Money moves by iban, which means a German IBAN handles both directions of the transfer and there is nothing to set up at a branch.
How do I get help with a question?+
Support comes through help centre and email, which is a help centre and email. Routine questions about the plan, the payout schedule and the app are answered in writing, so anyone who wants a voice call is better served elsewhere.
Who is behind the account?+
The provider is Oskar.de GmbH, registered in Germany, and that entity is the name behind the account. The account is digital only, so the company details behind it are the main thing worth checking before money moves.
Sources
- oskar.de checked September 26, 2026
Backs: Features
- oskar.de checked September 26, 2026
Backs: Access terms, Account kind, Monthly fee, Rate type
- oskar.de/ansparen-und-auszahlen checked September 26, 2026
Backs: Local account details, Transfer fee
- oskar.de/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity
“Oskar.de GmbH, Karl-Friedrich-Str. 22, 76133 Karlsruhe”
- oskar.de/kontakt checked September 26, 2026
Backs: Support channels
- oskar.de/kosten checked September 26, 2026
Backs: Minimum deposit, Pricing model
“Inklusive: Kontofuehrung”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Term.
Related by the facts
OSKAR
A small savings pot you control on your own schedule, with nothing to pay each month.