“I finally stopped dreading checking my balance. Spaces turned saving into something that kind of feels like a game.”
Maren K.
Designer · Berlin
Licensed German bank · BaFin regulated
CHANGE THE WAY
YOU MANAGE MONEY
A mobile bank built for how you actually live — send money across 36 countries in seconds, save in Spaces, and spend with a card that just works.
100.000 € deposit-protected· 10-second SEPA Instant
9:41
L
Hi, LenaMain account
4.827€
+ 312 € this week
Send
Top up
Card
Int'l
RecentSee all
- The Barn CoffeeToday− 4 €
- Anna → youToday+ 120 €
- Lufthansa — LISYesterday− 189 €
- Salary30 Mar+ 3.200 €
Live notificationnow
Rewe Supermarkt · Berlin Mitte
Balance 4.823 €− 32 €
Weekly spending
438 €of 1.200 €
Metal · •••• 4417
8 Mio.+
Customers across Europe
36
Countries covered by SEPA
100.000 €
Deposit protection
2,26 %
Interest on Spaces, p.a.
Money management
A clearer picture of your money, every day.
Built for people who want to spend less time managing and more time living. These are the features that make Crest Capital feel like a second brain for your finances.
Real-time
Every payment, the second it happens.
You'll know the moment a euro leaves your account — with smart push notifications that show the merchant, location, and running balance.
- Instant push for every card tap
- Merchant names you'll actually recognise
- Running balance with each transaction
Rewe — Berlin Mitte
Just now
− 32,40 €
The Barn Coffee
2 min ago
− 4,50 €
Salary received
30 Mar
+ 3.200,00 €
Insights
Automatic budgeting that actually makes sense.
We sort every transaction into categories for you — groceries, transport, subscriptions — so you can spot where the money goes without lifting a finger.
- 20+ auto-tagged spending categories
- Monthly breakdowns and weekly nudges
- Set soft limits per category
April spending
1.084,30 €
Groceries412 €
Restaurants260 €
Transport152 €
Shopping130 €
Round-ups
Save your spare change, automatically.
Turn on round-ups and every card payment rounds up to the next euro. The difference goes straight into a Space of your choice.
- Set and forget — no manual work
- Pick which Space to feed
- Pause anytime in one tap
Card paymentjust now
🛒
Rewe Supermarkt
Charged 4,72 €
− 4,72 €
Rounded up to 5,00 €+ 0,28 € → Holiday 🏖️
🏖️
Holiday — Lisbon
Powered by round-ups
1.240 €
+ 0,28 €
62 % of your 2.000 € goal
Spaces
Put every euro in the right pocket.
Spaces are sub-accounts inside your main balance. Create one for a goal, set a target, and watch it grow. Earn interest on every single one.
2,26 % interest p.a.
On every euro in every Space, paid monthly. No lock-in, no minimums.
Up to 10 Spaces
One for holidays, one for rent, one for that thing you've been eyeing up.
Locked Spaces
Feeling tempted? Lock a Space and we'll hold your willpower for you.
🏖️
of 2.000 €
Holiday · Lisbon
1.240 €
💻
of 2.400 €
MacBook Pro
820 €
☔️
of 5.000 €
Emergency fund
3.100 €
💍
of 4.000 €
Wedding
480 €
🎮
of 1.500 €
Gaming setup
270 €
🎁
of 300 €
Mom's birthday
140 €
Cards
Three cards. One you.
Pick the card that matches how you spend. Upgrade or downgrade anytime — no strings attached, no hidden fees.
CREST CAPITAL
•••• •••• •••• 4417
Cardholder
Lena Schmidt
Standard
Free
- Free Crest Capital account
- Free ATM withdrawals in EUR
- Apple Pay & Google Pay
Most popular
CREST CAPITAL
•••• •••• •••• 4417
Cardholder
Lena Schmidt
You
9,90 € / month
- 5 ATM withdrawals worldwide
- Travel & medical insurance
- Partner offers worth 100 €/yr
CREST CAPITAL
•••• •••• •••• 4417
Cardholder
Lena Schmidt
Metal
16,90 € / month
- A real metal card (18 g)
- Unlimited ATM withdrawals
- Dedicated 24/7 concierge
Europe-wide
One IBAN.
All of Europe.
With your German IBAN you can send and receive euros across 36 SEPA countries — as easily as paying the person next to you. SEPA Instant settles in under 10 seconds.
SEPA Instant · free · arrives in ~10 seconds
SEPA coverage36 countries
🇩🇪 Germany🇫🇷 France🇪🇸 Spain🇮🇹 Italy🇳🇱 Netherlands🇧🇪 Belgium🇦🇹 Austria🇵🇹 Portugal🇮🇪 Ireland🇫🇮 Finland🇬🇷 Greece🇸🇰 Slovakia🇸🇮 Slovenia🇱🇺 Luxembourg🇲🇹 Malta🇨🇾 Cyprus🇪🇪 Estonia🇱🇻 Latvia🇱🇹 Lithuania🇨🇿 Czechia🇩🇰 Denmark🇸🇪 Sweden🇵🇱 Poland🇭🇺 Hungary🇷🇴 Romania🇧🇬 Bulgaria🇭🇷 Croatia🇳🇴 Norway🇮🇸 Iceland🇨🇭 Switzerland🇱🇮 Liechtenstein🇲🇨 Monaco🇸🇲 San Marino🇦🇩 Andorra🇻🇦 Vatican🇬🇧 United Kingdom
Security
Your money, safe by design.
Crest Capital AG is a fully licensed German bank, regulated by BaFin and the Deutsche Bundesbank. Security isn't a feature — it's the whole product.
100.000 € protected
Your deposits are protected by the German deposit-guarantee scheme up to €100,000 per customer.
3D Secure by default
Every online payment is confirmed with a tap in the app. No one uses your card but you.
Biometric sign-in
Face ID and Touch ID are mandatory for high-risk actions. Your phone is your vault.
Real-time alerts
Every card tap, every login, every change — you see it before anyone else could.
Freeze in one tap
Lose your card on the train home? Freeze it from your phone — and unfreeze when it turns up.
Fraud monitoring, 24/7
Our risk systems watch every transaction in the background, so you don't have to.
Invoice #2024-042
Acme GmbH — paid
Just now · SEPA Instant
+ 2.400,00 €
Business
Built for freelancers and founders.
If you run your own thing, you shouldn't spend weekends chasing invoices and tax math. Crest Capital Business takes the paperwork out of making money.
- Automated invoicingSend invoices in under a minute. Get notified the second they're paid.
- Tax-ready statementsExport CSVs and PDFs your accountant will actually like.
- Sub-accounts for taxAutomatically set aside 19% VAT into a locked Space.
Open a business account Free first 3 months
By the numbers
Not just a nice idea. Proof.
0+
Customers trusting us with their money
0
Countries in our SEPA network
0
Currencies accepted, fee-free abroad
0%
Customer satisfaction (2025 NPS)
As featured in
HandelsblattFinancial TimesDer SpiegelTechCrunchWirtschaftsWocheSüddeutsche ZeitungBloombergEuromoneyStiftung WarentestHandelsblattFinancial TimesDer SpiegelTechCrunchWirtschaftsWocheSüddeutsche ZeitungBloombergEuromoneyStiftung Warentest
Loved across Europe
Real people. Real reasons to switch.
4,7 / 5 · 189.421 reviews
“Between the auto-VAT Space and the invoice notifications, Crest Capital Business saves me four hours a month in bookkeeping.”
Julian R.
Freelance developer · Munich
“SEPA Instant is real. I sent 600 € to my mum in Madrid last week and she called me back before I put my phone down.”
Sofía M.
Consultant · Barcelona
“We moved three companies to Crest Capital Business. Clean IBANs, clean statements, and the app never stalls at the till.”
Pieter V.
Founder · Amsterdam
“The interest on Spaces is the headline, but honestly the real-time notifications are what I'd miss if I left.”
Aisha B.
Medical resident · Hamburg
“Free foreign ATM withdrawals during Erasmus saved me actual money. The card just works everywhere.”
Tomáš H.
Student · Prague
Plans
Pick a plan. Change it anytime.
Upgrade or downgrade in one tap. No contracts, no surprises, no small print.
Standard
0 €/ month
The free mobile bank for everyday life.
- Free German IBAN
- Free SEPA transfers
- 3 free ATM withdrawals/month
- Apple Pay & Google Pay
- Up to 2 Spaces
Smart
4,90 €/ month
More colours, more Spaces, more magic.
- Everything in Standard
- Up to 10 Spaces
- Round-ups to Spaces
- 5 free ATM withdrawals/month
- Premium-coloured card
Most popular
You
9,90 €/ month
For people who travel, a lot.
- Everything in Smart
- Unlimited ATM withdrawals in EUR
- Free withdrawals in any currency
- Travel & medical insurance
- Allianz partner offers
Metal
16,90 €/ month
The full experience. A real metal card.
- Everything in You
- Metal card (18 g)
- Dedicated concierge 24/7
- Phone & purchase insurance
- 2,26 % interest on Spaces
Prices shown incl. VAT. No hidden fees. You can cancel any plan at any time.
Get the app
Open an account in 8 minutes, straight from your phone.
No paper forms. No trips to a branch. Just your ID, a 30-second video verification, and you're in.
Scan the code with your phone camera to jump straight to the App Store or Google Play.
9:41
Insights · April
Spending this month
1.084 €
0 €
1.084,30 €
vs. 1.210 € last month · − 10,4 %
Groceries412 €
Restaurants260 €
Transport152 €
Shopping130 €
Subscriptions87 €
Other43 €
9:41
Main account
4.827,60 €
+ 312,40 € this week
Send
Top up
Card
More
RecentSee all
- The Barn CoffeeToday− 4,50 €
- ZaraToday− 79,90 €
- Deutsche BahnYesterday− 32,70 €
- Salary30 Mar+ 3.200,00 €
FAQ
Questions, answered.
Yes. Crest Capital AG is a fully licensed credit institution headquartered in Berlin, regulated by the Federal Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank. Your deposits are protected up to €100,000 by the German deposit-guarantee scheme.
Your turn
Ready when you are.
Open your Crest Capital account in 8 minutes. No paperwork, no queues, no monthly fee unless you want one.