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S Kredit-per-Klick review

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

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Our verdict

S Kredit-per-Klick suits German readers who want a plain euro account with a local IBAN and no monthly charge, since the monthly fee is €0. Your money is covered by EU DGS up to EUR 100,000, while the listed features are free atm, so a multi-currency account may serve you better.

Key facts

Best for
A euro current account with a monthly fee of €0 and free ATM withdrawals.
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Local account details
IBAN↗
Free ATM withdrawals
€0↗
Legal entity
S-Kreditpartner GmbH↗
Headquarters
Germany↗
Founded
2011↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
s-kreditpartner.de

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInkununu.com

Pros and cons

Pros

  • The monthly fee is €0 and the ATM allowance is €0, so the everyday running costs are covered.
  • Deposits are covered by EU DGS up to EUR 100,000, the EU deposit guarantee.
  • A local IBAN comes with the account, iban, so payments use a familiar account number.
  • Support runs on phone, chat and email, so phone, chat, email and a help centre are all open to you.

Cons

  • Apart from the monthly fee of €0 and the ATM allowance of €0, the listed features are free atm and iban.
  • The monthly fee of €0 is the same as £0 and £0, so cost is not the reason to choose it.
S Kredit-per-Klick

Ready to try S Kredit-per-Klick?

Scored 9.0 / 10 by VaultCue.

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Who it suits

  • Readers in Germany who want a euro account with a local IBAN and no monthly charge.
  • People who take out cash often, since free ATM withdrawals are part of the offer, free atm.
  • Customers who like choosing their support route from phone, chat and email.

Who should look elsewhere

  • Wise, if you hold several currencies, since this account centres on a single market with iban.
  • Readers choosing purely on price, because €0 matches £0, $0 and £0.

Safety of your money

Deposits are covered by EU DGS up to EUR 100,000, and that is the ceiling the EU scheme pays out if the provider fails. The firm also appears in the insurance intermediary register at IHK Berlin under D-F5HW-TB9JU-10, with BaFin named as the German regulator.

Who runs it

The provider is S-Kreditpartner GmbH, based in Germany, and it has been trading since 2011. Support reaches you through phone, chat and email, so phone, chat, email and a help centre are all open to you. The company also holds the insurance intermediary listing D-F5HW-TB9JU-10.

How S Kredit-per-Klick compares

Where S Kredit-per-Klick is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Versicherungsvermittler-Register (IHK Berlin) (D-F5HW-TB9JU-10), checked September 26, 2026

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

Frequently asked questions

How much does the current account cost each month?+

The monthly fee for the current account is €0 and it runs on a no monthly fee model. ATM withdrawals are included, with an allowance of €0, so everyday cash costs are covered. The site groups 91.7% of its accounts in the same model, which is the most common approach here.

Is my money protected?+

Deposits are covered by EU DGS up to EUR 100,000, the EU deposit guarantee. The provider is listed in the insurance intermediary register at IHK Berlin under D-F5HW-TB9JU-10, and BaFin is the named regulator in Germany. Both entries belong to the same company.

Who runs the account and how long have they been around?+

The account is run by S-Kreditpartner GmbH, based in Germany and trading since 2011. Its insurance intermediary listing with IHK Berlin reads D-F5HW-TB9JU-10, so you deal with a named German company rather than a trading name.

How do I get help?+

Support runs on phone, chat and email, so phone, chat, email and a help centre are all open to you. That mix lets you pick the route that suits the moment, and phone is the most common channel on the site, offered by 79.5% of the accounts listed.

Can I take out cash without paying?+

Free ATM withdrawals are part of the offer, free atm, and the allowance is €0. You also get a local IBAN, iban, so incoming payments and direct debits use a familiar account number in your own market. The site shows 52.9% of accounts with the same feature.

What kind of account is this?+

It is a euro current account built around a local IBAN, iban, with a no monthly fee model and a monthly fee of €0. Customers who keep money in a single market and pay in euros get the most from it, and help is reachable on phone, chat and email.

Would another account cost me less?+

Not on the monthly charge. The fee here is €0, and £0, $0 and £0 sit at the same level, with a site median of €0. Price does not separate them, so the account set-up and the deposit protection should decide it.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee, Currencies.

Related by the facts

S Kredit-per-Klick

S Kredit-per-Klick

A euro current account with a monthly fee of €0 and free ATM withdrawals.

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