Tagesgeld Plus

CosmosDirekt Tagesgeld Plus Reviewed

CosmosDirekt's “Tagesgeld Plus” is a classic, flexibly accessible instant-access savings account with no fixed term. It suits savers who want to build a reserve or park money short-term without giving up daily access to their funds.

Interest Rate

CosmosDirekt currently pays 2.20% p.a. on balances up to €100,000. According to the provider's page, this rate is guaranteed until 30 September 2026 – an unusually clear and binding time window for this category, offering real planning certainty. Interest is credited at the end of each calendar quarter (31 March, 30 June, 30 September, 31 December).

Terms and Fees

According to the provider, a minimum deposit of €1,000 is required to open the account. There are no account maintenance fees. The account requires a German reference account for deposits and withdrawals – a separate checking account with CosmosDirekt itself is not needed. The balance is fully accessible at any time, and the account can be closed free of charge with no notice period.

Who Is It For?

With a comparatively low entry threshold of €1,000 and a rate guaranteed until September 2026, Tagesgeld Plus suits both savers building an initial reserve and those with larger amounts up to the €100,000 interest cap. The rate guarantee makes the offer especially attractive to savers who want to be shielded from short-term market rate cuts.

Pros and Cons

Pros:

• 2.20% p.a. up to €100,000, guaranteed until 30 September 2026
• Low minimum deposit of €1,000
• No account maintenance fees, can be closed at any time

Cons:

• Requires a German reference account
• Rate may change once the guarantee ends on 30 September 2026
• No higher rate paid on balances above €100,000

Verdict

CosmosDirekt's Tagesgeld Plus stands out with a rate of 2.20% p.a. guaranteed until September 2026, a low minimum deposit, and free, always-available access to funds. As long as a German reference account is in place, it suits both smaller and larger reserves up to €100,000.