1822direkt review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
1822direkt is a plain credit card from Frankfurter Sparkasse, so it suits existing customers of that bank who want a card linked to their current account. Its annual fee of €36 separates it from the cards beside it, sitting above the €0 most tracked cards charge.
Key facts
- Best for
- A German current account holder who wants a plain credit card from their own bank and pays for it in euros.
- Annual fee
- €36 (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Frankfurter Sparkasse (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Official website
- 1822direkt.de
Debit cards
Pros and cons
Pros
- Issued by Frankfurter Sparkasse, so the card comes from a bank customers already hold an account with
- Card kind is credit, a revolving credit card rather than a debit or prepaid product
- One clear euro cost, an annual fee of €36, with no reward scheme adding complexity
Cons
- An annual fee of €36 applies where the typical card tracked costs €0
- Rewards type is none, so there is nothing back on everyday spend
- Support runs on help centre only, which is a narrow route for card queries
Who it suits
- Frankfurter Sparkasse customers who want a credit card from a bank they already hold an account with
- Spenders who do not chase cashback or points and value a euro fee they can see upfront
- People who bank online and are comfortable reading the help centre for card questions
Who should look elsewhere
- Chime Card (Secured Visa Credit Card), which charges $0 and targets people building a credit record
- Varo Believe Secured Credit Card, which charges $0 and works on a secured basis rather than as a bank credit card
- Wise, which charges £0 and suits spenders focused on holding several currencies
The company behind it
The card is issued by Frankfurter Sparkasse, so anyone already holding a current account with that bank can take the credit card through an existing relationship rather than applying cold to an unfamiliar lender. Help runs through help centre, so questions about the card are answered in writing rather than over a live channel.
How 1822direkt compares
8.2 vs 9.4
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 9.2
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8.2 vs 8.5
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8.2 vs 8.8
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8.2 vs 9.2
8.2 vs 9.0
8.2 vs 8.9
8.2 vs 8.8
8.2 vs 9.6
8.2 vs 9.4
8.2 vs 9.4
8.2 vs 9.2
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 9.1
8.2 vs 8.8
8.2 vs 8.8- 8.2 vs 8.8
- 8.2 vs 8.8
8.2 vs 8.8- 8.2 vs 8.8
8.2 vs 8.5
8.2 vs 8.5
8.2 vs 8.5
8.2 vs 8.3
8.2 vs 8.2
8.2 vs 8.0
8.2 vs 8.0
Where 1822direkt is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the 1822direkt credit card cost each year?+
The card carries an annual fee of €36. That is the recurring cost holders pay for the card, and it is higher than the €0 charged by the typical card on the site. No monthly fee is listed for the card, so the annual charge is the number to budget for.
Does the card come with any rewards?+
Rewards type is none, so nothing comes back on spending. Cards in the rewards category on the site tend to earn cashback or points, and a fair share of tracked cards sit with no rewards at all. If earning matters, a cashback card would suit better than this one.
Is this a credit card or a debit card?+
Card kind is credit, so it is a revolving credit card. Spending draws on a credit line that is repaid later, and a current account balance can cover the bill. That is different from a debit card, which spends the money sitting in the account.
Who issues the card?+
The issuer is Frankfurter Sparkasse. Customers of that bank can take the card alongside an account they already hold, which simplifies the paperwork compared with approaching a new lender. Anyone outside that customer base would need an account with the same bank first.
How do I get help with the card?+
Support runs on help centre, so help is offered through a written help centre. There is no listed phone or chat route for card questions, which matters most when a payment is blocked or a statement needs explaining.
Who should consider this card?+
It suits people who bank with Frankfurter Sparkasse and want a credit card without chasing cashback, and it suits euro spenders who would rather pay a visible annual charge. It suits less well for reward seekers, and for anyone who needs frequent live support while travelling.
How does the fee compare with secured credit cards?+
The annual fee of €36 is the clear point of difference. Secured alternatives charge $0 and $0, and those cards take a deposit instead of relying on a credit check, which suits a different purpose entirely.
Sources
- 1822direkt.de/fileadmin/Home/Dokumente/PDF/PDF/pv_gesamt_... checked September 26, 2026
Backs: Annual fee
- 1822direkt.de/girokonto/kreditkarte checked September 26, 2026
Backs: Card kind, Rewards type, Support channels
“Visa Classic credit card with Girokonto Klassik - no rewards stated”
- 1822direkt.de/impressum checked September 26, 2026
Backs: Legal entity
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
1822direkt
A German current account holder who wants a plain credit card from their own bank and pays for it in euros.