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 or ETFs. 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: Citi, 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.