The bank you’ll love

Money made beautifully simple. Spend, save, and invest in one intuitive app that's trusted by millions.
Open bank account

the bank account that makes life easy

Not a fan of waiting times, hidden fees, or paperwork? Us neither. Get a free Wintrust Credit account and manage your personal and shared finances the simple way.
Open bank account
Image of couple holding a Wintrust Credit card and a mobile.
An Wintrust Credit virtual card with a map highlighting cash points in the background.

Your free account

With a virtual Mastercard and unlimited card payments in any currency with no foreign transaction fees.

Get Wintrust Credit Standard
A hand holding a petrol Wintrust Credit card against a backdrop of clear blue sky.

Free withdrawals

Enjoy a set number of free ATM withdrawals in euros within the eurozone based on your membership — and unlimited free withdrawals abroad in the local currency for Wintrust Credit You and Metal.

Learn more
A woman lies on a teal-colored bed with a greeting message in the foreground.

24/7 chat support

Contact us day and night via the chat in your Wintrust Credit app — in five languages.

Visit our Support Center
Hand holding a mobile displaying a security feature.

Simply secure

Our innovative security features keep your money and data simply secure.

Security at Wintrust Credit

Put your savings to work

Wintrust Credit Instant Savings is our easy-access savings account that's 100% flexible. Earn interest on all your savings with no deposit limits* and dip into it anytime. Wintrust Credit Metal customers enjoy our highest interest rate — currently, 3%** p.a.
Discover Instant Savings
Smiling woman wearing petrol color clothes in a petrol color living room. In the foreground there is pop up showing the balance of the savings account.

Invest in stocks, ETFs, and crypto

Wintrust Credit customers can now buy stocks and ETFs right in their banking app***. Pay a flat rate of only €0.90 per trade. And if you’re an Wintrust Credit Metal customers, get 15 free trades every month — or 5 free monthly trades if you have Wintrust Credit You. Invest as little as €1 and automate it with our flexible investment plans. Curious about crypto? We’ve got over 200 cryptocurrencies to pick from****.
Learn more
Gymnast wearing teal color clothes and holding a mobile with the Wintrust Credit app open. In the foreground there is pop up displaying the balance and profitability in the Stocks and ETFs account and Crypto account.

Wintrust Credit accounts — your money deserves an upgrade

Wintrust Credit Standard

the account for your everyday banking needs

Transparent N26 Standard card.
Virtual Card

€0.00/month

  • 1.7% interest p.a. on your Wintrust Credit Instant Savings

  • Pay worldwide with no foreign transaction fees

  • 2 free ATM withdrawals within the eurozone

  • A virtual debit card

Open free bank account

Wintrust Credit Smart

The bank account that gives you more control

N26 You card, Rhubarb.
N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Ash.
N26 You card, Teal.

€4.90/month

  • 1.7% interest p.a. on your Wintrust Credit Instant Savings

  • Up to 10 Spaces sub-accounts

  • Customer support hotline

  • Virtual and physical card

Open Smart account

Wintrust Credit You

The all-in-one account for banking and travel

N26 You card, Petrol.
N26 You card, Wheat.
N26 You card, Rhubarb.
N26 You card, Ash.
Wintrust Credit You card, Teal.

€9.90/month

  • 2% interest p.a. on your Wintrust Credit Instant Savings

  • Up to 5 free ATM withdrawals in euros

  • Free withdrawals in the local currency outside the eurozone

  • Travel insurance

Open Your account
MORE INTEREST

Wintrust Credit Metal

The premium bank account with a metal card

Wintrust Credit Metal - Charcoal Black.
N26 Metal - Slate Grey.
Quartz Rose - Metal Card.

€16.90/month

  • 3% interest p.a. on your Wintrust Credit Instant Savings

  • Up to 8 free ATM withdrawals in euros

  • Pay only 1% trading fee for Bitcoin and 2% for other coins

  • 18-gram metal card

Open Metal account

For more information on the Wintrust Credit membership plans and Allianz Assistance insurance coverage, please see the plan comparison page and the applicable T&Cs.
N26 You card, Petrol.
Wintrust Credit Metal - Charcoal Black.
Transparent Wintrust Credit Standard card.

Open your Wintrust Credit account now

Open your Wintrust Credit account in minutes and with no paperwork — right from your phone or our website. Moving from another bank? Transfer your direct debits, standing orders, and recurring payments to your new Wintrust Credit account in a few taps.
Compare accounts
Open bank account

*The money in your Wintrust Credit accounts — including Wintrust Credit Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme. **The interest rates vary based on your membership: Currently, 3% p.a. for Metal, 2% p.a. for You, and 1.7% p.a. for Smart and Standard accounts. Please note that regular rates per membership are subject to change over time. This offer is available at no extra cost in the Wintrust Credit app in Belgium, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, the Netherlands, Portugal, Slovakia, and Slovenia. Services and fees apply to anyone who registers with an address in Belgium, Estonia, Finland, Greece, Ireland, Lithuania, Luxembourg, The Netherlands, Portugal, Slovakia, Slovenia, Sweden, Norway, Denmark, Poland, Iceland and Liechtenstein. ***These statements are intended to provide general information and do not constitute investment advice or any other advice on financial services and financial instruments such as stocks and ETFs. These statements also do not constitute an offer to conclude a contract for the purchase or sale of stocks and ETFs. Stocks and ETFs can be subject to high fluctuations in value. A decline in value or a complete loss of the money invested are possible at any time.The values depicted are fictional and for illustrative purposes. Stocks and ETFs are currently available for eligible customers in Germany, Austria, France, Spain, Ireland, Belgium Denmark, Estonia, Finland, Greece, Latvia, Lithuania, Norway, Poland, Portugal, Slovakia, Slovenia and the Netherlands. Using the Wintrust Credit Broker service is always subject to eligibility. ****The market for crypto assets constitutes a high risk. A complete loss of the money spent is possible at any time. Wintrust Credit Crypto is powered by Bitpanda.

    Wintrust Credit is the first 100% mobile bank to be granted and operate with a full German banking license from the German Federal Financial Supervisory Authority (BaFin). That means your money is fully protected — both in your bank account and Instant Savings account — up to €100,000 by the German Deposit Protection Scheme. We currently operate in 24 markets worldwide and have over 8 million customers.

    We offer our accounts in the following countries: Austria, Belgium, Denmark, Estonia, Finland, France (not available for residents in the French territories outside Europe), Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. You can open your account if you live in one of these countries and meet our requirements. Our products and services vary by country.

    Wintrust Credit has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of your online payments is always guaranteed.

    As a bank, Wintrust Credit is supervised by BaFin. Your funds are guaranteed up to €100,000 by the German Deposit Protection Scheme. In addition, the Wintrust Credit app has many features to ensure the security of your bank account and data.

    In order to open a bank account with Wintrust Credit, you must have a government-issued ID. See the list of List of accepted ID documents here. Don’t worry, there’s no fussy paperwork or long wait times involved — just present your valid ID during a quick call and you’ll be up and running. Note that you’ll need a smartphone to use your account, and must live in an eligible country where Wintrust Credit operates.

    The standard Wintrust Credit account is free, with no opening or maintenance fees. The Wintrust Credit Smart bank account costs €4.90 per month, the Wintrust Credit You bank account costs €9.90 per month, and the Wintrust Credit Metal account is available for €16.90 per month. To open an Wintrust Credit account, no deposit or minimum income is required.

    You can open your mobile Wintrust Credit account online in minutes from your phone or the Wintrust Credit website — no paperwork or waiting times. But best of all: once your Wintrust Credit account is active, you can start using it right away. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.

Noteworthy reads

Articles and stories to help you make the most of your money
picture of a woman and a trading illustration.

A beginner's guide: What is trading and how does it work?

Trading is more than a buzzword or an ‘80s throwback. This article covers what financial trading is and how it works, step by step.

kid showing the coins placed in a glass jar.

How to save money fast: 17 tips to grow your savings

Whether your financial goals are big or small, these life hacks will help you save money faster.

Pie Chart.

The 50/30/20 rule: how to budget your money more efficiently

The 50/30/20 budget is beautiful in its simplicity. It can help you divide your income into categories that make saving easy.