Pbb Direkt review

The monthly fee is €0 and the account runs on a no monthly fee model, so holding it does not eat into the interest. That matches the site median of €0, which is the norm across most listings.

Deposits sit under EU DGS up to EUR 100,000. The account belongs to Deutsche Pfandbriefbank AG, based in Germany (DE) and supervised there by BaFin and the European Central Bank, so the money sits with a named bank rather than an intermediary.

Yes. The entire deposit is available daily, and withdrawals can only go back to your own German reference account. The account is online-only, so everything runs through the site rather than a branch counter.

The minimum is €1,000, above the site median of €0.11, and Pbb Direkt ranks 339 of 370 on that measure. It is an easy access account, so the balance stays liquid once it lands.

The headline rate is 0.75% and the rate type is variable, so the bank can move it. That sits below the site median of 3%, and Pbb Direkt places 394 of 473 on headline rate.

It suits German savers who want cash available daily rather than locked into a term, and who can fund it from a German reference account. Business accounts make up 56.5% of the site, so a company balance is a plausible use too.

Support runs on email, phone and help centre, so email, phone and a help centre are listed. No live chat or community forum appears in that set, which suits readers who would rather keep a written record of each exchange.