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Wüstenrot Bausparkasse review

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

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Our verdict

Wüstenrot Bausparkasse suits savers in Germany who want the balance reachable the same day from an account that costs nothing to run, paying a headline rate of 1%. Flexible access and the absence of a monthly charge are the draw, while the modest return is the trade-off against the picks listed here.

Key facts

Best for
Daily access at no monthly charge for savers in Germany
Headline rate
1%↗
Rate type
Variable↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily access to the balance via a linked current account, no minimum term, no notice period, interest credited quarterly↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
Wuestenrot Bausparkasse AG↗
Headquarters
Germany↗
Founded
1921↗
Support channels
Email, Phone, Chat, Help-centre↗
Pricing model
No monthly fee
Official website
wuestenrot.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • Monthly fee of €0 and a minimum deposit of €0, so there is no keeping charge and no deposit hurdle
  • The balance can be reached daily from a linked current account, with no minimum term, no notice period and interest added each quarter
  • Deposits sit under EU DGS up to EUR 100,000
  • Help is offered by phone, email, chat and a help centre, listed as email, phone and chat

Cons

  • A headline rate of 1% against a category median of 3.08%, so the return is modest
  • Ranked 375 of 473 brands on headline rate, the lowest rate among the picks here
Wüstenrot Bausparkasse

Ready to try Wüstenrot Bausparkasse?

Scored 9.5 / 10 by VaultCue.

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Who it suits

  • Savers in DE who want to reach the same money the same day through a linked current account
  • Anyone building a buffer in instalments, since the minimum deposit is €0
  • Customers who want a provider trading since 1921 and holding deposits under EU DGS up to EUR 100,000

Who should look elsewhere

  • Not PayPal Colombia, whose savings offer is listed at 3.3%
  • Not Plazo ES, listed at 24.19%
  • Not AXI Card Tarjeta y Credito, listed at 21.59%

Fees and FX

The monthly fee on this easy-access account is €0 and the minimum deposit is €0, so it can be opened and funded at any amount with no keeping charge and no threshold to clear. Costs stay predictable month to month, which suits a balance topped up in small instalments rather than one large payment.

Rates and card terms

The headline rate is 1% and it is variable, so the yield can move and is not fixed for a set period. That flexibility fits money that may be called on, but it also means the return is the weakest part of this pick, and anyone whose main goal is a higher yield should weigh the other providers listed.

How Wüstenrot Bausparkasse compares

Where Wüstenrot Bausparkasse is available

Available
Germany
Licence in Germany
European Central Bank, checked September 26, 2026
Licence in Germany
Federal Financial Supervisory Authority (BaFin), checked September 26, 2026

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

Frequently asked questions

What does it cost to run this account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no monthly charge and no threshold to clear before the money goes in. For a balance held in euros, the cost side is simply the interest it earns, with nothing else taken off.

Is my money protected?+

Deposits are covered by EU DGS up to EUR 100,000, the European deposit guarantee. The provider is Wuestenrot Bausparkasse AG, based in Germany and supervised there by the European Central Bank and the Federal Financial Supervisory Authority (BaFin), so the money sits with a supervised institution.

How quickly can I get at my money?+

This is an easy access account, so the balance can be taken out whenever you like from the current account you link to it. There is no minimum term to serve and no notice period to wait out, and interest is added to the balance each quarter.

Is the interest rate fixed?+

The rate is variable at a headline 1%, so the provider can change the figure rather than fixing it for a set period. That suits money that might be needed, but anyone whose priority is a known return for a fixed stretch should look at a product that locks the rate.

Who does this account suit?+

It suits savers in DE who want their money reachable the same day and can start small, since the minimum deposit is €0. It is a straightforward home for an emergency buffer, and less fitting if you want a locked rate for a longer saving goal.

How do I get help?+

Support runs on email, phone and chat, so there are several ways to reach the team, including phone and email. For an easy-access account the usual questions concern transfers between the linked current account and the savings balance, and the timing of the quarterly interest credit.

How does the rate compare with the other picks?+

The headline rate is 1%, against 3.3% at PayPal Colombia, 24.19% at Plazo ES and 21.59% at AXI Card Tarjeta y Credito. On headline rate the ranking places it 375 of 473 brands, so the return is the trade-off here.

Sources

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

Not confirmed yet: Term.

Wüstenrot Bausparkasse

Wüstenrot Bausparkasse

Daily access at no monthly charge for savers in Germany

9.5/10See alternatives