J&T Direktbank Flexible Savings Account: Tagesgeld Review 2026
In a nutshell:
- The “Tagesgeld” is a flexible savings account offered by J&T Direktbank.
- It pays a top interest rate of 1.75% annually.
- Savings are protected under the national deposit insurance scheme of the Czech Republic.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by J&T Direktbank.
J&T Direktbank
Tagesgeld
1.75%
annual percentage yield
How much interest does the J&T Direktbank Tagesgeld pay?
J&T Direktbank offers the flexible savings account "Tagesgeld" with monthly interest payouts. The regular interest rate is 1.75%. You must maintain a balance of at most 500,000 euros.
Who is behind J&T Direktbank?
J&T Direktbank is the German branch of J&T Banka, a Czech private and investment bank. It was founded in 1998 and is now one of the top 10 banks in the Czech Republic.
In Germany, the bank focuses primarily on savings and deposit products for retail customers, including Tagesgeld and fixed-term deposits, offered through a streamlined online platform. J&T Direktbank targets savers who value attractive interest rates combined with a straightforward, digital banking experience.
How safe is my money with J&T Direktbank?
Deposits at J&T Direktbank are protected under the Czech statutory deposit guarantee scheme "Garanční systém finančního trhu", which covers eligible deposits up to 100,000 euros per depositor and bank in accordance with EU law. The Czech Republic has a solid sovereign credit rating of "AA-", reflecting a stable economic environment within the European Union.
How can I manage the Tagesgeld account?
The J&T Direktbank Tagesgeld is managed through the bank’s online banking portal or mobile application, which allows customers to view balances, track interest accrual, transfer funds to the linked reference account, and use the online inbox. The web interface is provided in German, the mobile application is also available in English.
Customer service for the J&T Direktbank flexible savings account is available via telephone, chat, and email.
How can I open the J&T Direktbank Tagesgeld?
The "Tagesgeld" at J&T Direktbank can be opened via a fully online application process on the bank’s website. You must be at least 18 years old, have a registered place of residence in Germany, and not be liable for US tax. You also need a checking account with a German bank or a bank with a branch in Germany (IBAN starting with DE) as a reference account for payouts. You should have a smartphone and a valid email address.
As part of the legitimation process for the flexible savings account, identity verification is carried out using a digital German ID card (eID), online video call (VideoIdent), or visiting a post office (PostIdent). You require a valid ID or passport.
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