C24 Bank Flexible Savings Account: C24 Smart Tagesgeld Review 2026
In a nutshell:
- The “C24 Smart Tagesgeld” is a flexible savings account offered by C24 Bank.
- It pays a top interest rate of 0.5% 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 C24 Bank.
C24 Bank
C24 Smart Tagesgeld
0.50%
annual percentage yield
How much interest does the C24 Bank C24 Smart Tagesgeld pay?
C24 Bank offers the flexible savings account "C24 Smart Tagesgeld" with monthly interest payouts. The regular interest rate is 0.5%. You must maintain a balance of at most 100,000 euros.
Who is behind C24 Bank?
C24 Bank is a German digital bank and a subsidiary of the CHECK24 group, known in Germany for its online price comparisons. It is an online bank with more than 100,000 customers in Germany.
Launched to complement CHECK24’s financial ecosystem, C24 Bank offers modern retail banking services, including current accounts, savings products, and interest-bearing accounts. The bank positions itself as a mobile-first provider with a strong focus on transparency, competitive conditions, and seamless digital integration. By combining classic banking functions with data-driven features and real-time insights, C24 Bank targets customers who prefer app-based banking with intuitive financial management tools.
How safe is my money with C24 Bank?
Deposits held with C24 Bank are protected under Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and bank in accordance with EU law. Germany’s sovereign credit rating is among the highest internationally (AAA), supporting confidence in the stability of the banking system and deposit protection framework.
How can I manage the C24 Smart Tagesgeld account?
The C24 Smart Tagesgeld is managed primarily through the C24 mobile app (available for iOS and Android) and supported by a web-based interface. Customers can view balances, track interest earnings, perform transfers, open sub-accounts (so-called "pockets"), get a digital/physical debit card, access their digital inbox, and manage account settings.
Customers accrue interest on all funds in their current account "pockets" as well as a dedicated "Tagesgeld Pocket". Service is available via in-app chat, email, and telephone. All services and interfaces are exclusively provided in German.
How can I open the C24 Bank C24 Smart Tagesgeld?
The C24 Smart Tagesgeld can be opened entirely online. You start the process on the website, enter your data, and complete it in the mobile app. Applicants must be at least 18 years old and reside in Germany.
As part of the C24 flexible savings account onboarding process, customers complete digital identity verification with a valid ID or passport. This is possible by uploading a photo of your ID and logging in to the online banking for your existing German bank account. Alternatively, you can perform a video call (VideoIdent) or use a digital German ID card (eID).
It is not possible to open an instant savings account exclusively with C24 Bank; you must first register for a free current account.
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