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Quirin Privatbank review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Quirin Privatbank suits savers in Germany who want a plain, easy-access cash account with no monthly charge and daily access to their money. The catch is the rate: 1% variable, well below the 3% site median, so this is a place to hold cash rather than to grow it.

Key facts

Best for
Holding euro cash in Germany with daily access and no monthly fee.
Headline rate
1%↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily availability, no minimum holding period↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Quirin Privatbank AG↗
Headquarters
Germany↗
Founded
1998↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee
Official website
quirinprivatbank.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No monthly fee, with a fee of €0 on the account
  • Daily availability and no minimum holding period, per Daily availability, no minimum holding period
  • Deposits carry EU DGS protection of EU DGS up to EUR 100,000
  • Regulated in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)

Cons

  • The variable rate of 1% sits below the 3% site median, so balances grow slowly
  • The rate is variable, listed as variable, so it is not a fixed rate locked for a set term
  • Live chat and community are not among its support channels (phone, email and help centre)
Quirin Privatbank

Ready to try Quirin Privatbank?

Scored 9.1 / 10 by VaultCue.

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Who it suits

  • Savers in Germany who need same-day access to cash
  • Anyone parking an emergency float rather than chasing a top rate
  • Customers who want a fee-free account with EU DGS up to EUR 100,000 deposit cover

Who should look elsewhere

  • Chasers of the highest headline rate, where Plazo ES and AXI Card Tarjeta y Credito both pay more
  • Savers wanting a fixed term, since the rate here is variable

Deposit protection

Quirin Privatbank AG is a German bank, supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), and deposits carry EU DGS protection of EU DGS up to EUR 100,000. The bank also appears in the IHK Berlin Versicherungsvermittlerregister under D-0IIH-6GI6Z-75, which covers its insurance mediation side rather than the savings account. Support runs on phone, email and help centre.

Rates and card terms

This is an easy-access account paying a variable rate of 1%. Access terms are generous: daily availability and no minimum holding period, so money moves out whenever needed without penalty. The monthly fee is €0, which keeps the account free to run. A variable rate can rise or fall, so the balance is safer here than it is productive.

How Quirin Privatbank compares

Where Quirin Privatbank is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
IHK Berlin Versicherungsvermittlerregister (D-0IIH-6GI6Z-75), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What interest does Quirin Privatbank pay on cash?+

The account pays a variable rate of 1%, which sits under the 3% site median. A variable rate means the figure can move, so the headline is a guide rather than a promise. The account is an easy-access one, not a term deposit.

What does it cost to keep money at Quirin Privatbank?+

The monthly fee is €0, so the account runs without a charge. Access terms are daily availability and no minimum holding period, so you can move money out without a notice period. There is no minimum deposit to reach before the account is usable.

Is my money protected at Quirin Privatbank?+

Deposits carry EU DGS protection of EU DGS up to EUR 100,000. The bank is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). It also appears in the IHK Berlin Versicherungsvermittlerregister under D-0IIH-6GI6Z-75.

Can I get at my money quickly?+

Yes. The account is an easy-access one with daily availability and no minimum holding period, so withdrawals are not tied to a term. Support runs on phone, email and help centre if you need help with an account change.

Who does this account suit?+

It suits savers in Germany who want a fee-free place to hold cash and need same-day access. It suits less well anyone chasing a top rate, since the variable 1% trails the 3% site median. Fixed-rate seekers should look elsewhere.

Does Quirin Privatbank charge a monthly fee?+

No charge applies: the monthly fee is €0. Many savings accounts on the comparison carry no monthly fee either, so the account is competitive on running costs. The rate is where it gives ground, not the fees.

Is the rate fixed or variable?+

The rate is variable, listed as variable, and the headline figure is 1%. A variable rate can move with market conditions, so budgeting on the current figure carries some risk. There is no term deposit offered here to lock a rate for a set period.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit.

Related by the facts

Quirin Privatbank

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