Test report 1822mobile checking account – My experiences

Experiences 1822mobile 2019

Find out in the following test report what experiences I have had with the free smartphone current account 1822mobile. How reputable is the bank and what does it offer?
With the 1822 Mobile, the N26 (Review N26, To the N26 Bank) since 2017 a serious rival. 1822direkt is the direct bank of Frankfurter Sparkasse. It thus takes on a special role among the otherwise regionally operating savings banks. This has a positive effect on customers: the fee structure of 1822direkt is significantly cheaper than that of the local savings bank

At a glance – The 1822mobile quick check

  • Smartphone offshoot of 1822direkt – the direct bank of Frankfurter Sparkasse (Test report 1822direct, Link to 1822 directly)
  • Operation exclusively via app. Fingerprint login possible.
  • Free account management even without a monthly payment
  • Free credit card
  • Free EC card (Sparkassencard)
  • Google Pay integration announced
To offer:
1822mobile.de

1822mobile checking account: is there an account management fee?

0€ Kontoführungsgebühr bei der DKB.

The 1822mobile checking account is another unconditionally free checking account. It has evolved from alignment to the N26's app-based account since 2017
(Review N26, To the N26 Bank) opposite.

1822mobile checking account – Withdraw cash free of charge – WORLDWIDE

In Germany you can withdraw money from all Sparkasse ATMs free of charge. Use the Sparkasse card for this

Outside of Germany: Cash withdrawals with a credit card outside of Germany are free of charge worldwide*

Make sure you use the right card. Use the credit card abroad, the Sparkasse card in Germany.  With 2 %, at least 5.11 euros, there are high fees for cash withdrawals in Germany when using the credit card in Germany! If the Sparkasse card is used outside of the Sparkasse network, there is a fee of 1 %, at least 6 euros. These fees are completely avoidable by using the right card!

*Please note the following: In some cases, individual fees are charged by the ATM operator. These cannot be directly influenced by the 1822. These fees will not be reimbursed by 182 2direct.

To offer:
1822mobile.de

Worldwide cash withdrawals with the Girocard or credit card - table overview

Sparkasse cardCredit card
Germanyfor free2.00% of sales,
at least 5.11 euros
Europe (in euro currency,
without Germany)
1.00% of turnover,
at least 6.00 euros
for free
world (foreign currency)1.00% of turnover,
at least 6.00 euros
1.75% of sales

Deposit cash at 1822mobile

This is free of charge at all machines or at the Frankfurter Sparkasse counter. You can also deposit at the deposit machines of other savings banks. However, you count as a foreign customer and have to pay a fee.

Saving foxes proceed as follows: Withdrawing cash in Germany -> Sparkassencard (in the Spk. ATM network) Withdrawing cash in other euro countries -> credit card

Unfortunately, the credit card is not available free of charge, but is currently available for EUR 29.90 per year. Exception: Customers under the age of 27 receive the credit card free of charge.

Pay with the 1822mobile account

Payment is completely free in the euro area. When paying in foreign currency, a fee of 1.75 % of the turnover is incurred.

1822mobile: Google Pay/Apple Pay integration

The 1822 mobile does not currently support the mobile payment service Apple Pay or Google Pay. However, integration of the Google Pay service is planned by the end of March/beginning of April 2019 ("spring 2019"). Apple Pay is also planned, but there is no concrete date for this yet. The N26 supports both services. A clear punk for the N26 account.

>> Test report N26, To the N26 bank <<

Cashless payment is even faster with Google Pay/Apple Pay and a credit card. The card no longer has to be dug out of the wallet. All you have to do is pull out your smartphone and you can pay in seconds via smartphone app. You can pay at any contactless terminal. If the amount is less than 25 euros, it is sufficient to switch on the smartphone display. Amounts over 25 euros must be released by password or fingerprint.

Account tip basic price cash receipt Interest charges Free credit card banking overdraft facility overdraft Free cash bonus
0 € free of charge from 1 € monthly incoming payment, otherwise 3.90 € 0,0 % free Visa card 0 € 7,43 % 7,43 % Yes* 25 Euro Best Choice voucher
*worldwide with Visa card

To offer:
1822mobile.de

Alternatives to the 1822mobile account

Didn't the 1822mobile account convince you? Then check out the comparison calculator more accounts!

alternatives If you're into smartphone banking, this is a real alternative N26 account under consideration. That N26 Checking account is also very good for people who travel a lot. In contrast to the 1822mobile account, it supports the integration of modern payment services such as Google Pay and Apple Pay. When paying in foreign currency, a fee of 1.7 % is due at N26. With the 1822mobile account it is a comparable 1.75 %. However, it has the disadvantage that a fee is due when paying in foreign currency (1.7 %). If you want to pay and withdraw free of charge worldwide, you cannot avoid the DKB account. It has been established in this segment for many years.

The free account from o2 banking also plays in the same league. As a special feature, it offers the money emergency call.

To offer:
DKB.de
Test report DKB Cash
To offer:
N26.de
Review N26
To offer:
o2banking.fidor.de
Test report o2 banking

Conclusion

liked that

The 1822mobile current account scores with completely free account management without a minimum deposit. The Best Choice voucher when registering was also convincing. 
Finally, I liked the fact that the account opening can be done quickly and easily via videoident.

Didn't like that so much

What was less pleasant was that the payment services Google Pay and Apple Pay are not yet supported. The N26 account is further here. Furthermore, the bank does not offer a free credit card.

Overall I give the account 4 out of 5 stars. There is a point deduction for the missing free credit card to be able to withdraw cash free of charge worldwide. I give the account another point deduction due to the lack of support for Apple Pay and Google Pay. The account can make up for this with the 25 Euro Best Choice voucher. All in all, this results in 4 out of 5 points. In a direct comparison I draw the account of N26 however before.

Checking account comparison without minimum entry

summary
short description
Find out in the following test report what experiences I have had with the free smartphone current account 1822mobile. How reputable is the bank and what does it offer? With the 1822 Mobile, the N26 has had a serious rival since 2017. 1822direkt is the direct bank of Frankfurter Sparkasse. It thus takes on a special role among the otherwise regionally operating savings banks. This has a positive effect on customers: the fee structure of 1822direkt is significantly cheaper than that of the local savings bank
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