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WeltSparen review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

WeltSparen suits savers who want daily access to a German easy-access account without a monthly charge. The headline rate of 3% sits close to the site median of 3%, so the appeal sits in the free access and the small €1 entry rather than the rate.

Key facts

Best for
Daily access to a euro balance with no monthly fee.
Headline rate
3%↗
Rate type
Variable↗
Minimum deposit
€1↗
Access terms
No fixed term; balance available daily, interest credited monthly, reference account required↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Raisin SE↗
Headquarters
Germany↗
Founded
2012↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No monthly fee, Fixed rate
Official website
weltsparen.de

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotLinkedIn

Pros and cons

Pros

  • No monthly fee, so the account is free to keep open on a €1 minimum deposit.
  • The balance is available daily with interest credited monthly, so the money stays reachable.
  • A headline rate of 3%, close to the 3.08% median for savings accounts.
  • Support runs on email, phone and help centre, covering email, phone and a help centre.

Cons

  • The rate is variable, so the 3% headline can move with the market.
  • A reference account is required, so the savings run alongside an account you already hold.
  • On our data the headline rate ranks at 242 of 473.
WeltSparen

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Scored 8.9 / 10 by VaultCue.

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Who it suits

  • Savers who need the balance reachable day to day and can keep a reference account running.
  • Euro savers starting small, since the minimum deposit is €1.
  • Readers who put support on a footing with the rate, given email, phone and help centre.

Who should look elsewhere

  • Plazo ES, where the headline rate of 24.19% sits far above 3%.
  • AXI Card Tarjeta y Credito, quoting a headline rate of 21.59% for those who put the rate above everything else.
  • PayPal Colombia, whose headline rate of 3.3% edges above 3%.

How it compares on our data

On our data WeltSparen places 242 of 473 brands on headline rate, so the rate itself reads as mid table. Minimum deposit is the stronger side: 203 of 370, a low bar for a savings account. Read together, this is a cheap and simple entry point rather than a rate standout.

How WeltSparen compares

Where WeltSparen is available

Available
Germany

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

Frequently asked questions

What does it cost to keep the account open?+

WeltSparen charges no monthly account fee, so the balance costs nothing to hold: €0, against a site median of €0 and a top of €449. The only thing to weigh is the interest the balance earns.

How much do I need to deposit, and can I take money out at any time?+

The minimum deposit is €1, and there is no fixed term on the money. The balance is available daily and interest is credited monthly, though a reference account is needed to keep the savings arrangement running.

Is the interest rate fixed or variable?+

The rate is variable, not locked, and currently stands at a headline 3%. That is close to the 3% median across savings accounts on our data, so the figure moves with the market rather than holding steady for a set period.

Who runs WeltSparen?+

WeltSparen is run by Raisin SE, which is based in Germany and was founded in 2012. The account is an easy-access one, the kind that makes up 75.6% of the savings accounts on our data.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre, so help comes by email, by phone and through a help centre. Phone contact is standard among savings accounts on our data, where 82.6% of brands offer it.

How does the rate compare with the other options?+

WeltSparen pays a headline rate of 3%. AXI Card Tarjeta y Credito quotes 21.59% and Plazo ES quotes 24.19%, both well above it, while WeltSparen's monthly fee stays at €0.

Where does WeltSparen sit on our data?+

WeltSparen places 242 of 473 on headline rate and 203 of 370 on minimum deposit. The low entry bar is the stronger of the two results on our data, and the overall score is 4.6.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Deposit protection.

Related by the facts

WeltSparen

WeltSparen

Daily access to a euro balance with no monthly fee.

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