Checking account with a premium of 25 euros + 2% interest on call money

With the Sparkasse subsidiary 1822direkt you get a decent bonus of 25 euros and 2 percent on the overnight money when you open a free current account. Mobile payments are possible via Apple Pay & Google Pay and all important banking activities can also be controlled conveniently and inexpensively via the app. We took a close look at the offer and can tell you whether it’s worth it.

Current account with 1822direkt: 25 euro bonus for new customers + 2% interest on call money

The 1822mobile current account of the Frankfurt Sparkassen subsidiary 1822direkt-Bank is a pure mobile account. This means that you can easily carry out all actions relating to your account (or accounts) using the appropriate app. The app informs you every time a bank transaction is carried out – so you are always up to date. If you use several banks, you can manage them all together in the 1822mobile app.

With the 1822direkt it is mobile Checking account free, as long as it has a monthly cash receipt of 0.01 euros – so quite feasible. For new customers there is even 25 euros starting credit (See offer directly at 1822). The conditions for this are that until 4/4/2023 the account application was generated and by 07/31/2023 at least three salary payments totaling at least 1,000 euros per month (wage, salary, pension, salary, BAföG) are paid into the new current account.

For new customers, every current account automatically also a call money account with an interest rate of 2 percent per year opened. The special interest rate is valid for 6 months from the opening of the account for an investment amount of up to 100,000 euros

More bonuses wave if you recommend friends – if you are successful, you get another 100 euros. Incidentally, account management is generally free of charge for customers under the age of 27.

Simple, contactless and secure payment is in the foreground, both Apple Pay as well as Google Pay are supported. You can use the inexpensive Sparkasse card (6 euros per year) or the direct 1822Credit card use which at first order in the 1st year free of charge is.

Who would like to continue Cash uses is also covered: Four free withdrawals at Sparkasse ATMs within Germany are included in the account. In addition, there is a free cash service in many supermarkets such as Lidl, REWE, dm-Drogeriemarkt, etc. Here you can withdraw cash free of charge from a purchase value of 5 euros.

The most important details of the offer at a glance:

• Free mobile checking account (from 0.01 euros monthly incoming money)
• 25 Euro bonus for new customers (requirements)
• Pay with Apple Pay or Google Pay
• Sparkasse card for 6 euros per year
• Four free withdrawals from Sparkasse ATMs in Germany
• Free cash withdrawals in many German supermarkets
• Call money account with 1.55 percent interest per year for 6 months
• Up to 100 euros bonus for successful recommendation

For whom is the 1822direkt offer worthwhile?

The current account at 1822mobile has many advantages over classic accounts. First of all, the account is largely free of charge – with a minimal account entry per month, the fees are already waived. The account is set up fast and paperless. After entering your personal data, you confirm your identity online via video chat and will then receive your access data and the link to activate online banking – quickly and easily.

You are flexible when choosing your preferred payment method and can use contactless payment methods or cash options. One disadvantage: If you want to deposit cash, you still have to go to a branch bank and do it on site. There may still be fees there. However, if you have another bank account, you could combine the advantages of your branch bank with the simple and convenient banking of 1822mobile.

We have summarized other free current accounts – with and without salary payments – for comparison here:

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