EU sovereignFintech & NeobanksHeadquarters: DE

1822direkt: sovereignty score and 8 European alternatives

1822direkt is a German direct bank that operates online and describes itself as a company of Frankfurter Sparkasse. Its product range includes current accounts with a credit card, savings and fixed-term deposit accounts, securities accounts, home loans and consumer loans. The bank's website presents it as a direct-banking brand aimed at private customers. It is not a business banking product, and the site does not describe a separate corporate offer.

The operating company is Gesellschaft der Frankfurter Sparkasse mbH, which trades as 1822direkt. Its legal notice gives the address Friesstraße 20 in Frankfurt am Main, and the company is registered at the Frankfurt local court. The website names Frankfurter Sparkasse as the owning institution, so no foreign parent company applies. The website does not state where customer data is hosted, so customers should ask the bank to confirm this before opening an account.

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Sovereignty score

71 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in the EU: European law applies
Data residency SOV-3100
EU-only hosting
Cryptographic key sovereignty SOV-360
Key management with a European vendor
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-655
Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 10, 2026

Headquarters	DE (EU)Verified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	EUVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	YesVendor-stated
Category	Fintech & Neobanks
Type	Product
Website	1822direkt.de ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to 1822direkt

The European alternatives to 1822direkt come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with 1822direkt

1822direkt is headquartered in DE and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so 1822direkt scores best on data residency.

1822direkt is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs 1822direkt together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to 1822direkt?

It depends on your use case. Strong EU alternatives to 1822direkt include ActivoBank, Air Bank and Anyfin. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to 1822direkt?

Our list of EU alternatives to 1822direkt is mostly commercial options. Browse the category on the map for open-source choices.

Is 1822direkt GDPR-compliant and where is the data hosted?

1822direkt is headquartered in DE (EU) and hosts data in EU. That makes 1822direkt an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 10, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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