Interest
We are passing on the interest rates from central banks directly to the customer. Monthly paid out, uncapped. Full flexibility to withdraw anytime.
Once activated in your app, you receive interest from our partner banks and dividends from liquidity funds. Interest rates may change and liquidity funds bear a market risk.
Current Account
We charge no fees for our current account. Instantly send money, pay bills, or receive your salary. Your cash is held with escrow banks and diversified into liquidity funds.
Your cash in money market funds is held in a separate custody account. Assets are strictly safeguarded and protected without limit.
Spending Abroad
You benefit directly from leading Visa exchange rates when spending abroad. We do not add currency exchange fees.
Always pay in local currency when asked, otherwise merchants may charge additional exchange fees.
ATM Withdrawals
Enjoy unlimited ATM withdrawals worldwide with no fees from us. Withdrawals below 100 € have a 1 € fee.
Some ATM providers may charge their own fee. We have no influence on this.
Saveback
Get 1% back on up to 1,500 € monthly eligible card spending. Paid directly into your Savings Plan.
Activate Saveback and invest at least 50 € monthly. Investments bear risks.
Crypto Saveback
Get 2% back on eligible spending when using crypto. Paid into your Savings Plan.
Crypto-funded payments may have tax implications and can lead to losses.
Round Up
Round up card payments to the next full euro and invest automatically.
Even small investments carry market risks.
Stocks & ETFs
Invest in brands or diversify with ETFs starting from just 1 €.
Single stocks are riskier than ETFs, but all investments carry market risks.
Savings Plans
Choose your asset, amount, and investment frequency. No settlement fee.
Recurring investments are automated and carry market risks.
Derivatives
Trade derivatives from premium partners to leverage or hedge investments.
High profits and losses can occur quickly. Counterparty risk applies.
Private Markets
Invest in hidden champions from just €1. Potential for higher returns and diversification.
Long-term investments with limited tradability. Total loss is possible.
Fixed Income
Invest in corporate and government bonds starting from 1 €.
Prices and currency rates may fluctuate. Counterparty risk applies.
Crypto Wallet
Trade and transfer around 50 cryptos or earn staking rewards.
Crypto is highly volatile and carries significant risk.
Fractional Trading
Buy fractions of assets from just 1 €.
Only whole assets provide voting rights and transferability.
Child Savings Account
Set up fully online and benefit from tax advantages.
At 18, your child gains full control. Investments carry risks.
All investments carry an element of risk. More information on the risks here. Transactions not included in Saveback can be found here.
