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1822direkt review 2023
When it comes to opening an account or custody account, it may be advisable to first deal with one or the other bank or broker test, so that you can find out which provider provides the best offer.
So you should also read on the 1822direkt experiences as well as one or the other 1822direkt experience report if you plan to take a closer look at this provider.
1822direkt experience shows that there are always new customer offers
If you are planning to accept the offer of 1822direkt, you should visit the homepage at regular intervals. According to one or the other 1822direkt experience report, there may always be new customer offers. This means that if you are planning to change providers in the direction of 1822direkt because of the lower 1822direkt costs or due to a wider variety of offers, then you have to check in advance whether there is a bonus offer.
The 1822direkt review also looks at the usability of the platform
The 1822direkt experience shows that this is a modern and clear homepage. Furthermore, 1822direkt scores with the fact that you can build up the trust typical of the savings bank here. In addition, there is also a separate search function on the homepage, whereby the 1822direkt test showed that the search results were only moderately satisfactory. However, this may only play a limited role in the 1822 Direkt valuation. There are points that have more weight – such as the 1822direkt costs or the question of whether 1822direkt is serious.
The 1822direkt test shows that the homepage is clear and will not pose any challenges, especially for beginners. Of course, the optics may be a point to be evaluated individually, so that in the course of the 1822direkt evaluation only the usability is used. After all, whether a page is cluttered and difficult to use can be judged objectively.
If you follow one or the other 1822direkt experience reports, there seem to be no difficulties with the use of the homepage. Sometimes the search results may not always correspond 100 percent to the wishes of the customers – but this is only a small point that can be noted critically or negatively.
Otherwise, 1822direkt convinces you with a good homepage. A clear plus point for the 1822 Direkt rating.
1822direkt test: extensive depot for the entire trade
The 1822direkt experience shows that there are various offers such as models that 1822direkt provides. Due to the fact that it is a bank that also acts as a broker, there are different offers that can be used.
If you choose 1822direkt to open a current account, there are three variants:
- Classical music
For the premium version, an account management fee of 9.90 euros/month is due; the mobile and classic versions are available free of charge.
However, the exemption from fees for the mobile account depends on the monthly receipt of money, which is at least one cent. That is, here one should not have any difficulties in being able to use the account for free. The 1822direkt testimonials prove that an input of 0.01 cents is actually sufficient to have no 1822direkt costs if you opt for the mobile account. A minimum deposit is also required for the classic account: 700 euros. If the minimum amount is not reached for the mobile account, then an account management fee of 1.90 euros and for the classic account in the amount of 3.90 euros per month must be paid.
All customers who use the 1822direkt service can look forward to a Sparkassen Card. This is the Maestro debit card in order to be able to carry out cashless transactions. The card can of course be used in the European Economic Area as well as outside the monetary union; if the card is used for foreign currency transactions, the fee is 1.75 percent of the turnover, with a minimum fee of 1.50 euros.
Free cash withdrawals are possible with the Maestro card four times a month, provided you use the mobile tariff. On the other hand, if you use the classic account, you can withdraw cash six times a month free of charge. You can withdraw from the savings bank as well as from the state banks. If you exceed the free offer, an amount of 2 euros is due per withdrawal. For other places, there is a transaction fee of 1 percent, but a minimum fee of 6 euros. The 1822direkt test proves that this is quite a high fee.
At the customer’s request, there is a credit card from VISA. The credit card costs 29.99 euros/year. However, the credit card is not available with the mobile account – in the premium package, the credit card is even available in gold. If you use the credit card abroad or outside the monetary union, then a foreign fee of 1.75 percent of the payment amount will be charged. Cash withdrawals in Germany incur a minimum fee of 5.11 euros.
The trading platform in the 1822direkt test
The 1822direkt review also looks at the trading software that is offered here. Because the trading platform also has an influence on the final 1822direkt rating.
No special software is offered here. The customer is offered the web trading solution, which is offered by 1822direkt as “Online Banking” and “Mobile Banking”. The web portal is available free of charge and no further fees are charged here.
If you follow one or the other 1822direkt experience reports, the offered model is sufficient. It looks like it doesn’t need another alternative at all.
The Deposit Methods
The classic SEPA bank transfer is offered. If you use the current account, you can transfer money from another account by bank transfer. If you use the stock portfolio, you can also capitalize the clearing account with the SEPA bank transfer via 1822direkt.
Can customer service be convinced in the 1822direkt test?
In order to be able to give a fair 1822direkt rating at the end, the 1822direkt test also deals with customer service. Because again and again difficulties can arise that you want to solve as quickly as possible, so it is important that you know that there is then the possibility to contact employees who are then helpful.
The 1822direkt test has shown that the bank offers a callback service and also has a live chat. Of course, you can also contact us directly by e-mail or by phone. In addition to the question of which channels are available for contact, there is also the question of accessibility. A live chat may be an advantage, but if it is always unoccupied, then this is more of a disadvantage and thus a negative point, which is then included in the 1822direkt rating.
However, the customer service is convincing. This is also shown by the 1822direkt experiences that can be found on the Internet. A clear plus point for the 1822 Direkt rating. If you have a question or concern, you can look forward to being advised by competent employees.
Is 1822direkt legit?
Is the provider 1822direkt reputable? To answer this question, it is necessary to take a look at regulation as well as deposit insurance.
The 1822direkt test shows that customer deposits are neatly separated from bank assets. This is certainly to be seen as positive. In addition, 1822 is regulated directly by the Federal Financial Supervisory Authority (BaFin). 1822direkt is classified as a “deposit credit institution” and is therefore closely supervised. This means that 1822direkt is reputable, as the financial supervisory or regulatory authority is in the background, which then checks that all rules are complied with in order to give investors or customers the necessary security so that they do not have to be afraid of fraudulent machinations.
Furthermore, there are no corresponding 1822direkt experience reports, that deal with the fact that 1822direkt is dubious or that sometimes even fraudulent machinations would be prosecuted here. For the 1822direkt rating, checking whether 1822direkt is reputable may be extremely important – and there are no indications that the provider could be dubious. There are also no corresponding 1822 direct testimonials on the Internet. The 1822direkt experiences that can be found all deal with the fact that the provider 1822direkt is reputable and there is no evidence of fraud.
There is no 1822direkt demo account
If you look at the additional offers in the course of the 1822 Direkt test, you will quickly notice that this is the biggest weakness of the provider. There is no 1822direkt demo account, nor are there any training videos or webinars available. Only a FAQ section is offered.
Above all, the fact that you do not have an 1822direkt demo account may be a negative point that may be important for the 1822direkt rating.
This means that at this point you have to answer the question of how serious the fact that there is no 1822direkt demo account weighs. There are also no indications or information that a demo account will be planned in the foreseeable future in order to be able to safely try out strategies or certain features of the provider.
1822direkt offers the opportunity to trade shares. No matter what type of securities trading you choose, i.e. whether you invest in shares, ETFs or even funds – custody account management is and remains free of charge. But only if at least one order is placed per quarter. If this is not the case, a custody account management of 3.90 euros/month will be charged.
The trade offer
Not only industry giants are available, but also smaller stock corporations. The offer is so diverse that no compromise may be made, but you will probably find your favorite stock corporation. So if you are planning to invest in shares, you will certainly be satisfied here, as there is an extremely wide variety of public companies in which you can then invest.
The cost of trading
The custody fee is 3.90 euros if you do not place an order in the quarter. Otherwise, there are no fees for custody account management. It should be noted that the standard commission per trade in Germany is 4.95 euros – plus 0.25 percent of the order volume. Abroad, the standard commission is 49.95 euros – here, too, a fee of 0.25 percent of the order volume is added. The 1822direkt costs are by no means to be underestimated when it comes to stock trading. There are clearly cheaper providers here.
There are many trading venues
You can trade on all German stock exchanges – including Tradegate and Lang & Schwarz. In addition, the 1822direkt test showed that 13 direct trading partners are also available.
The conclusion on 1822direkt shares
The 1822direkt experience shows that stock trading is highly recommended. However, the commission for trades made abroad is relatively high; that is, in the course of the 1822direkt evaluation, one should also consider which own strategy is being pursued. The 1822direkt costs incurred here are exceedingly high.
The 1822direkt test also showed that you can set up a savings plan on ETFs. Here, the minimum investment amount is 50 euros/month. The fund savings plans can be executed in the following rhythms: per month, every two months or quarterly.
The trade offer
There are several ETFs available that are eligible for a savings plan. Here it is advisable, as evidenced by one or the other 1822direkt testimonials, that you take your time and then clarify for yourself, in which market you want to invest at all?
The cost of trading
The flat fee is 2.95 euros/version. If you compare the 1822direkt fees with the fee models of other providers, you are also in the cheap midfield here – that is, the 1822direkt costs, if you are interested in an ETF, are also manageable.
The conclusion on 1822direkt ETFs
All those who describe themselves as security-oriented will probably turn their gaze towards ETFs. Because here, especially with a long-term investment horizon, you can achieve correspondingly attractive profits without having to take a high risk.
In connection with securities, these are often associated with funds. However, one often overlooks an alternative here, which may well be interesting: certificate savings plans. At 1822direkt there is the possibility that you can also save certificates. An interesting variant that can be recommended especially to the security-oriented investor.
The minimum amount is 25 euros/month.
The trade offer
Different certificates are offered, so it is advisable to get an overview in advance. Due to the variety offered, however, there is certainly no need to compromise here, but will probably find the favored certificates.
The cost of trading
The execution fee starts at 1.50 euros per savings plan execution. There are no front-end charges. The 1822direkt costs are therefore in the manageable range and can be described as relatively cheap here. That is, here the 1822direkt fees may convince.
The conclusion on 1822direkt certificates
This is an interesting option that you should take a closer look at if you are planning to create a savings plan.
The 1822direkt review
The 1822direkt test has shown that the provider can be recommended if sometimes one’s own ideas can be reconciled with the offer. Of course, for the final 1822direkt valuation, it may be seen as a disadvantage that the fees are relatively high. But the question of the fee burden also often depends on one’s own strategy – that is, evaluate one’s own strategy in advance and then pay attention to the 1822direkt fees.
1822direkt is reputable and highly recommended if one or the other weak point can be overlooked. For example, about the fact that there is no 1822direkt demo account. If that doesn’t bother you, then you can feel in good hands here.