DISTINGO Bank review 2026
How good is DISTINGO Bank really?
79/100 points
kosten.org editorial team
Last updated: 2026-09-11
79/100
Points
Based on published terms and features
DISTINGO Bank advertises 3.30% p.a. for the first three months, after which the regular rate of 1.95% p.a. applies. French deposit protection covers deposits up to €100,000 per customer.
Highlights of our DISTINGO Bank review
- 3.30% promotional rate for 3 months
- Then 1.95% p.a.
- EU deposit protection
- No minimum deposit
Table of contents
1 Interest rates & terms
19/30
Points
DISTINGO Bank offers 3.30% p.a. on call money, but only for the first three months from receipt of the IBAN and only for balances up to €150,000. After that – and for amounts above that – the regular rate of 1.95% p.a. applies. The offer is therefore a classic teaser rate: attractive in the short term, only mid-table in the long term. Interest is credited quarterly (compound interest effect), and there is no minimum deposit.
2 Security & deposit protection
22/25
Points
DISTINGO Bank is subject to French deposit protection (Fonds de Garantie des Dépôts et de Résolution). Deposits are protected up to €100,000 per customer. France has an AAA/AA rating. The bank is a subsidiary of Banque Stellantis France (formerly PSA Banque).
3 Account opening & management
17/20
Points
Fully digital account opening via video identification or PostIdent (identity verification at a post office). Online banking with a clear dashboard. Deposits and withdrawals by transfer to the reference account. No TAN procedure for transfers to the reference account (a security feature).
4 Flexibility & availability
14/15
Points
Daily availability – money can be transferred to the reference account at any time. Transfer time 1-2 working days. No notice periods. No minimum deposit. Fixed-term deposit products also available.
5 Costs & transparency
7/10
Points
Completely free: no account fees, no fees for deposits or withdrawals. Transparent presentation of interest. Tax certificate is created automatically. Tax exemption order (Freistellungsauftrag, which exempts interest from German withholding tax up to an allowance) possible.
Pros & cons at a glance
Pros
- High promotional rate in the first 3 months
- EU deposit protection
- Free of charge
- No minimum deposit
Cons
- Rate drops to 1.95% after 3 months
- Promotional rate capped at €150,000
- No German deposit protection
- Savings products only
- Transfer time 1-2 days
Conclusion: DISTINGO Bank review
79/100
Good (2.0)
DISTINGO Bank suits savers who take the 3.30% promotional rate for three months and then switch. Anyone who keeps the account long term ends up at 1.95% p.a. and therefore in the middle of the field. Account management and deposit protection are impeccable.
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