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 about the J&T Direktbank Tagesgeld in our frequently asked questions below.
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.
In comparison, the best high-yield savings accounts for Tagesgeld are currenty offered by Consorsbank (3.4%) and Santander (3.3%).
Figure out in a few seconds how much return you can earn with your flexible savings account by J&T Direktbank by entering your savings amount and duration in our interest calculator:
J&T Direktbank
Tagesgeld
1.75%
annual percentage yield
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.
See all Tagesgeld options
Check our complete list of deposits and quickly calculate your possible return.
How can I manage the Tagesgeld account?
The J&T Direktbank 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 bank is available via telephone, chat, and email.
How can I open the J&T Direktbank Tagesgeld?
The “” 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 bank, 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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