1822direkt review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
1822direkt trades face to face branch service for straightforward direct banking that you manage online. It is a direct bank for current accounts, savings and investments that helps newcomers who want everyday money and long term plans in one place.
Key facts
- Best for
- People wanting current banking plus savings and investing online
- Legal entity
- Frankfurter Sparkasse (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Official website
- 1822direkt.de
Credit cards
Pros and cons
Pros
- Covers current accounts, overnight savings, fixed term savings and custody accounts together
- Includes a card for day to day payments alongside the current account
- Provides personal advice and guidance for energy efficient home finance projects
- Offers a digital service that moves existing investment holdings across easily
Cons
- Online centred model with limited scope for face to face branch interaction
- Investment range mixes protected and unprotected options which demands careful choice
Who it suits
- Newcomers wanting one place for spending, saving and investing
- Self directed savers comfortable with online banking
Who should look elsewhere
- People seeking branch based relationship banking
How 1822direkt compares
Where 1822direkt is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does 1822direkt offer?+
1822direkt provides direct banking for everyday life, covering a current account with a card for payments, plus overnight and fixed term savings. It also covers custody accounts, savings plans and home finance with personal advice. You can manage these products online without visiting a branch.
What kind of company is 1822direkt?+
1822direkt operates as a direct bank focused on modern banking without branch counters. It belongs to a Frankfurt based savings bank organisation and serves customers through online channels. You use its website and online banking to open products and follow educational articles.
Who can use its everyday account?+
1822direkt positions its everyday account as suitable for a broad audience with simple structures. Younger customers are explicitly addressed as part of that audience alongside other age groups. You find guidance on everyday topics such as pocket money and paying abroad.
What investment support does it provide?+
1822direkt maintains investment accounts and savings plans for long term wealth creation and retirement topics. A digital transfer service helps you move existing holdings from another provider into the new custody account. You also find explanations on topics such as provision, taxes and energy efficient housing.
Sources
- 1822direkt.de checked September 26, 2026
Backs: Legal entity
- 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”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.