VEXCASH review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Vexcash is a German student account for people who want everyday banking with nothing to pay monthly: the everyday account charges a monthly fee of €0. Balances sit under EU DGS up to EUR 100,000, and the digital only setup suits anyone who rarely handles cash.
Key facts
- Best for
- A free everyday account for a student who banks by phone and IBAN transfer.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Local account details
- IBAN↗
- Legal entity
- Vexcash AG↗
- Headquarters
- Germany↗
- Founded
- 2011↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Audience
- Students
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- vexcash.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- Trustpilotfacebook.cominstagram.com
Pros and cons
Pros
- Support runs on phone, email and chat, so help is available by phone, in writing and in chat.
- Vexcash AG has been registered in Germany and operating since 2011.
- The everyday account runs on the no monthly fee model, with local iban details for everyday payments.
Cons
- The account is digital only, so there is no branch counter and no way to handle cash in person.
- Local details are iban, so a UK sort code or US ACH account number is not part of the account.
- The provider targets a student audience, so a business account elsewhere may suit company money better.
Who it suits
- Students keeping everyday money in one app: the provider lists a student audience.
- Anyone paid into a euro account: local details are iban.
- People who like a phone line on hand: support runs on phone, email and chat.
Who should look elsewhere
- Anyone who wants a branch counter: the account is digital only, so someone who banks in person is better served by a full-service bank such as Credit Agricole Egypt Member Get Member.
- Anyone paid in another currency: JazzCash lists a monthly fee of PKR 0 and Credit Agricole Egypt Member Get Member charges EGP 50, so a local account may serve better.
Deposit protection
Money in the account is covered by EU DGS up to EUR 100,000, which is the EU deposit guarantee scheme. The stated figure is the ceiling the scheme pays per depositor, so a balance held above it would not be covered in full. For an account this simple, the protection sitting behind the deposit is the part that matters most if money stays on it.
The company behind it
Vexcash AG is the provider, registered in Germany and operating since 2011. Support runs on phone, email and chat, so a question can be raised by phone, by email, in chat or from the help centre without a branch visit. One legal entity runs the account, which keeps the operation small and the service list short.
How VEXCASH compares
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.0
9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7Pixpay FR charges a monthly fee of €3.99, where the Vexcash everyday account charges €0.
9.0 vs 9.0
9.0 vs 8.7
9.0 vs 9.5
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9.0 vs 9.3
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9.0 vs 9.2
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9.0 vs 9.0
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Where VEXCASH is available
- Available
- Germany
- Licence in Germany
- Ordnungsamt Mitte, Fachbereich Ordnungs- und Gewerbeamt (permission under Sec. 34c (1) No. 2 GewO for loan brokering), checked September 26, 2026
- Licence in Germany
- Bundesamt fuer Justiz, Referat VII 5 (RDG), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Vexcash account cost?+
The everyday account charges a monthly fee of €0, and the provider runs the no monthly fee model. That matches the site median €0, and Vexcash ranks 1 on monthly fee among 500 brands compared here.
Is my money safe in a Vexcash account?+
Money in the account is covered by EU DGS up to EUR 100,000, the EU deposit guarantee scheme. The stated ceiling is what the scheme pays per depositor, so a balance above that figure would not be covered in full. Keep the balance within the ceiling if you want the whole amount protected.
Who runs Vexcash?+
Vexcash is Vexcash AG, registered in Germany and operating since 2011. The provider lists permissions with German authorities, including a loan brokering permission from Ordnungsamt Mitte and a payment services registration with the Bundesamt fuer Justiz under the RDG, so contracts and complaints sit with one company.
How do I get help from Vexcash?+
Support runs on phone, email and chat, which covers phone, email, chat and a help centre. For a digital only provider that is a wide spread of channels, and it means a phone call is available for anything urgent without a branch visit. Keep the help centre to hand for transfers you do not recognise.
Can I use a branch or handle cash with Vexcash?+
The account is digital only, so there is no branch counter and cash in person is not part of the offer. Everything runs through the app, which suits people who already pay by card or bank transfer. If you need to hand over notes, a full-service bank is a closer fit.
What payment details do I get with a Vexcash account?+
Local details are iban, so incoming payments from other euro accounts use a standard IBAN. That makes it straightforward to be paid by employers, family or friends in the euro area. Details for other payment rails are not part of the offer, so a UK sort code or US ACH number is not available here.
How does Vexcash compare with Pixpay on fees?+
On the monthly fee, Vexcash charges €0 where Pixpay FR charges €3.99, and Credit Agricole Egypt Member Get Member charges EGP 50. JazzCash lists PKR 0 as well, so cost alone does not separate them. Local payment details and the currency you are paid in decide the rest.
Sources
- vexcash.com checked September 26, 2026
Backs: Founded
“Gegruendet 2011”
- vexcash.com/blog/faq checked September 26, 2026
Backs: Audience, Features, Local account details
“Vexcash bietet einen reinen Online-Kredit-Service”
- vexcash.com/blog/gebuehren checked September 26, 2026
Backs: Pricing model, Monthly fee, Support channels
- vexcash.com/blog/impressum checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“Sitz der Gesellschaft: Berlin”
Compiled from 4 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
VEXCASH
A free everyday account for a student who banks by phone and IBAN transfer.