The smartest way to invest, spend and bank. Earn 4% interest on your cash. Get your subscription free card to spend and earn 1% Saveback. Invest easily and safely with just 1 €.
Earn while you spend - Activate 4% interest on your cash, on up to 50.000 €. Make money every month. - No monthly subscription fee. Unlimited free ATM withdrawals worldwide from 100 €. - Earn 1% Saveback on card spending into your savings plan. You can earn Saveback on up to 1,500 € in monthly spending. To qualify, invest at least 50 € monthly in savings plans. - Round up card payments and invest spare change on the go.
Save now for later - Invest with just 1 € in stocks, ETFs or crypto. No hidden fees, easy and safe. - Savings Plans on ETFs or stocks to invest continuously for long term wealth. - Bonds to lock in high interest for years and get regular payments. Start with 1 €, sell anytime. - Derivatives trading with premium partners: HSBC, Société Générale or UBS.
Trusted by millions - Over 4 millions users and 35 billions € of assets across 17 European countries. - German bank regulated by BaFin and Bundesbank. - Publicly regulated exchange and better spreads than the reference market.
We are on a mission to empower everyone to create wealth with easy, safe and free access to the financial system.