1822direkt Flexible Savings Account: Tagesgeldkonto Review 2026
In a nutshell:
- The “Tagesgeldkonto” is a flexible savings account offered by 1822direkt.
- It pays a top interest rate of 2.25% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
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 1822direkt.
1822direkt
Tagesgeldkonto
2.25%
annual percentage yield
How much interest does the 1822direkt Tagesgeldkonto pay?
1822direkt offers the flexible savings account "Tagesgeldkonto" with annually interest payouts. The promotional interest rate of 2.25% is valid for 6 months. This interest is applicable for account balances of at most 250,000 euros. The regular interest rate is 0.6%.
Who is behind 1822direkt?
1822direkt is the direct bank brand of Frankfurter Sparkasse and part of the Sparkassen‑Finanzgruppe. Founded in 1996 as an online banking arm, 1822direkt offers retail banking products under a digital-first model while relying on Frankfurter Sparkasse for its banking licence and infrastructure.
The product range focuses on everyday banking and savings: current accounts, a flexible savings account, fixed-term deposits, investment products, and consumer lending. As an online channel within the public Sparkasse network, 1822direkt combines digital ease of use with the reputation and regional backing of Germany’s savings bank group – Germany’s leading banking group in terms of customers.
How safe is my money with 1822direkt?
Legally, consumer deposits are protected under the EU and German deposit guarantee rules. Deposits at 1822direkt are protected by Germany’s statutory deposit guarantee (Entschädigungseinrichtung deutscher Banken) up to 100,000 Euro per depositor. Germany’s highest possible sovereign credit rating of AAA reflects the state’s strong capacity to meet obligations.
Additionally, as a member of the Sparkassen‑Finanzgruppe, 1822direkt customer funds are covered by the group’s institutional protection scheme, a voluntary safety mechanism for member institutes. It adds an extra layer of voluntary protection.
How can I manage the Tagesgeldkonto account?
Account management for the flexible savings account is available via 1822direkt’s online banking and mobile apps (iOS/Android). Online banking for the Tagesgeldkonto is only in German; the mobile app is also available in English. Users can view balances, transfer funds, and change settings in the app or web portal. Customer service is reachable by phone, via secure message in online banking, and by email.
How can I open the 1822direkt Tagesgeldkonto?
The 1822direkt flexible savings account can be opened online by private individuals with a residence in Germany. Minors aged 18 or younger require the approval of their parent/guardian.
The process is digital: online application, personal data entry, and identity verification (video identification, electronic ID, or personal identification at a post office). After a successful ID check, the flexible savings account is activated and can be used immediately.
The account holder requires a current account in the same name with 1822direkt or another bank as a reference account for payouts.
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