1822direkt
1822direkt is a German direct bank and a company of Frankfurter Sparkasse, offering online banking products such as checking accounts, call money, fixed deposits, securities accounts and mortgage financing.
Last updated September 15, 2026
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Overview
1822direkt is a direct bank that describes itself as a company of Frankfurter Sparkasse, combining the tradition and security of the Sparkasse with the speed and convenience of direct banking. Its product portfolio includes a securities account with a broad fund offering, a flexible call money account, a checking account for everyday money transactions, financing options and a joint account for multiple account holders. The bank also offers mortgage financing and fixed-term deposits, and presents itself as part of the Sparkassen-Finanzgruppe safety network.
History
1822direkt presents itself as a company of Frankfurter Sparkasse and part of the Sparkassen-Finanzgruppe. It describes its model as combining the tradition and security of Frankfurter Sparkasse with the speed and convenience of direct banking. The bank states that since the existence of the Haftungsverbund, no customer of a Sparkasse, Landesbank or other affiliated institute has suffered a loss of deposits, and no Sparkasse or other member institute has become insolvent. It offers a product portfolio including a securities account, a broad fund offering, a flexible call money account, a checking account, financing options and a joint account. Its careers page describes it as a company of Frankfurter Sparkasse with a modern workplace in Frankfurt.
Products and positioning
Direct banking combining the tradition and security of Frankfurter Sparkasse with the speed and convenience of a modern direct bank.
1822direkt Girokonto
Checking account with no account management fee for a monthly incoming payment of 700 € or for all customers under 30 years, including a free girocard with V PAY (Sparkassen-Card).
Tagesgeldkonto
Call money account with 3.50% interest p.a. up to 250,000 € investment amount, valid for 6 months, after which the then valid base interest rate applies.
Wertpapierdepot
Securities account with free account management and 3.50% interest p.a. for max. 250,000 € for 6 months on the associated call money account.
Festgeldkonto
Fixed-term deposit account with up to 3.00% interest p.a., from 5,000 € investment amount, fixed term of 6 to 24 months.
Baufinanzierung
Mortgage financing at 1822direkt starting from 4.12% bound debit interest, with personal advice and brokerage and financing for energy-efficient living.
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