C24 bank

C24 Bank is a German app-based bank operated by C24 Bank GmbH, part of the CHECK24 group, holding a full German banking license under BaFin and Deutsche Bundesbank supervision; deposits are protected up to 100,000 euros per depositor by the German statutory scheme (Entschädigungseinrichtung deutscher Banken). The product set centers on tiered current accounts (a free plan and paid plans) that differ by included features such as the number of sub-accounts (“Pockets”) with their own IBANs, card and ATM allowances, and ancillary benefits. Accounts come with a Mastercard debit card, optional virtual cards, and support for Apple Pay and Google Pay; the app enables SEPA transfers and standing orders, and may support SEPA Instant depending on plan and counterparty. The app also offers multi-banking aggregation to view and initiate payments from linked external accounts, budgeting tools, card controls, and push notifications. Savings options include interest-bearing pockets and simple automation rules, with rates, limits, and eligibility varying by plan and subject to change. C24 integrates a cashback program tied to purchases via CHECK24 and partner merchants; availability, partner list, caps, and payout conditions are defined in separate terms and differ by plan. The bank operates without branches, uses digital onboarding with video identification, and provides customer service via in-app chat, phone, and email within stated hours; the service is primarily aimed at customers in Germany. Cash handling is limited compared with traditional banks, and fees for foreign currency transactions, cash withdrawals, and certain premium features depend on the chosen plan and any third-party operator charges. Product availability, pricing, and promotional terms can change, and prospective customers should review the current price list, interest schedule, and cashback conditions before opening an account.