07 45 67 13 22
kundendienst@sofiesbk.de
Mon-Fri 8AM-6PM
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Your accounts. Your card. Everything included.

100% digital banking. No hidden fees. Open in 10 minutes.

Open my account

Our banking products

Simple. Fast. Built for you.

Current Account

Manage your daily finances without constraints.

  • Free bank card
  • Unlimited SEPA transfers
  • Intuitive mobile app

Savings Account

Your money works for you.

  • Attractive interest rate
  • Instant access to funds
  • Zero management fees

Credit Card

Pay now, manage at your pace.

  • Flexible deferred payment
  • Built-in insurance
  • Rewards programme

Why choose SOFIES

Real benefits, not empty promises.

Maximum security

3D Secure and real-time alerts on every transaction.

Open in 5 minutes

Clean interface, account active in a few clicks.

Instant transfers

24/7, no delays.

Expert support

Advisors available by chat and phone whenever you need them.

Why SOFIES?

Over 500,000 customers chose the bank that fits their life.

Banking comparison

SOFIES vs. traditional banks — the facts.

Banking features
SOFIES
Institution A
Institution B
Free card
€5/month
€8/month
Instant transfers
€1/transfer
Not available
Mobile app
Basic interface
Basic interface
Customer support
Mon–Fri 9am–5pm
Mon–Fri 9am–6pm
Free overdraft
Up to €500
€200
€150
Savings rate
3.2%
1.8%
2.1%

Account open in 10 minutes

100% digital, 100% secure. Active immediately.

10 minutes, not a second more
1

Your details

Enter your data securely on our encrypted platform.

2 minutes
2

Identity verification

Instant validation via facial recognition and document scan.

3 minutes
3

Validation & activation

Automatic confirmation. All services active immediately.

2 minutes
4

Card & IBAN

IBAN available instantly. Card delivered within 48 hours.

Immediate

Premium banking services

Everything you need. In one interface.

Payments

All your payment methods centralised, secured, always available.

  • Free instant SEPA transfers
  • Direct debits
  • Apple Pay & Google Pay
  • Temporary virtual cards
  • Real-time notifications

Financial analysis

Your spending decoded. Budget optimised automatically.

  • Automatic categorisation
  • Charts and reports
  • Budget alerts
  • Savings goals
  • Cash flow forecasts

Personal advice

A dedicated advisor for all your financial projects.

  • Advisor available 24/7
  • Real-time simulations
  • Investment advice
  • Property support
  • Tax optimisation

SOFIES benefits

Built for your daily life, not a brochure.

Instant transfers

Processed in under 3 seconds. Always.

< 3 sec

Guaranteed cashback

Up to 2% back on all purchases. No conditions.

Up to 2%

Built-in insurance

Travel, purchase, assistance — all included.

Included

Works everywhere

Over 210 countries. No hidden exchange fees.

210+ countries

Loyalty programme

Points on every purchase, redeemable for exclusive perks.

Reward points

Automatic savings

Round-ups and scheduled transfers. Save without thinking.

Automated

Customer support 24/7

Real experts, not bots. Here when you need them.

Live chat

Response in under 30 seconds. Real advisors.

24/7 < 30 seconds

Phone

Specialist advisors for important questions.

24/7 Free call

Email & form

Personalised response guaranteed from our banking experts.

Reply guaranteed Within 2 hours

FAQ

All the answers, instantly, with a keyword search.

Always available Instant

Ready to start?

Open your account in 10 minutes. No paperwork, no appointment.

Open my account Talk to an advisor