quirion Flexible Savings Account: Zinskonto Review 2026
In a nutshell:
- The “Zinskonto” is a flexible savings account offered by quirion.
- It pays a top interest rate of 1% 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 quirion.
quirion
Zinskonto
1.00%
annual percentage yield
How much interest does the quirion Zinskonto pay?
quirion offers the flexible savings account "Zinskonto" with quarterly interest payouts. The regular interest rate is 1%.
Who is behind quirion?
quirion is a German digital asset management and savings platform operated by Quirin Bank AG, a licensed bank based in Berlin. While Quirin Bank itself offers a full suite of banking services, the quirion brand focuses on automated, robo-advisory investment solutions and savings concepts aimed at private investors. Through quirion, customers can access investment plans, savings accounts, and tools designed around easy online account management and transparent cost structures. The platform is positioned for savers and investors who prefer a digital experience without traditional branch visits.
How safe is my money with quirion?
Deposits and funds with quirion are held with or through Quirin Bank AG, meaning they are protected by Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution, in line with EU regulatory requirements. Germany’s sovereign credit rating is the highest possible (AAA with major agencies), which contributes to the overall stability of its banking sector.
In addition to statutory protection, Quirin Bank participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), extending coverage beyond the statutory minimum.
How can I manage the Zinskonto account?
The Zinskonto associated with quirion is managed via the web interface or mobile app. You can view balances, manage investments, make transfers to your reference account, and more. Customer support is available via phone, email, and contact form. Services are primarily offered in German; the mobile application is also available in English.
How can I open the quirion Zinskonto?
To open the "Zinskonto" or any other account via quirion, prospects generally apply online through the quirion website. Applicants must typically be 18 or older; however, parents or guardians can open an account for minors. You can have a residence in any EU country and must hold a European current account (SEPA account) with an IBAN. This account is used for direct debits, and any withdrawals are deposited into the reference account only.
To ensure compliance with regulatory requirements, you must verify your identity before account activation. To do this, you need a valid ID and can identify yourself via webcam (on a laptop or via a mobile app) or in person at any German post office (PostIdent).
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