Your Guide to Smart Spending — August 22

💡 Tip of the Week: How to Stack Discounts Like a Pro

Generally speaking, you can’t enter two promo codes on one order — but that doesn’t mean you can’t stack different types of discounts. One of my favorite money-saving hacks is combining a promo code with other kinds of promotions like in-app deals, ongoing sales, or discounted gift cards.

This works especially well on food delivery apps like Lieferando, Wolt, or Uber Eats, since they operate like marketplaces: restaurants often run their own offers (like 2-for-1 or 30% off selected dishes), while the platform sends out promo codes separately. These often combine beautifully.

Here’s how far this can go: this week, I ordered food from Burger Vision (my local burger joint) on Lieferando. The restaurant had a 2-for-1 deal on multiple items in the app so I got my order with 50% off, plus I also had a personalized €15 coupon I got from Lieferando via email. Total value of the food? €42. What I paid? €6. Yes, I couldn't believe it either.

One more classic combo: a discount you get for signing up as a new customer (or for subscribing to a store’s newsletter), paired with ongoing sales. A slightly different tactic is buying discounted gift cards. I stock up on Zalando gift cards at 15% off whenever Payback runs a promo on them. When there is a sale on Zalando’s website, I can pay with the gift card, and use a discount code at checkout. You can read more about saving money with gift cards here – I buy them regularly, and I think it’s one of the most overlooked ways to save money when you shop online.

🔥 This Week’s Top Deals

📚 +14% on Top When You Sell Books or Clothes with Momox

Back in the day, I used to have a full home library — but after moving a few too many times, I now prefer to keep it lean. I sell or give away most of the books I’ve read, and for selling, I use Momox because it's so simple to use (and because I found that selling books on Kleinanzeigen doesn't really work).

It’s also a convenient option for selling clothes, especially if you don’t feel like listing everything on Vinted and dealing with buyers one by one. You will definitely earn more per piece on Vinted (Momox payouts for clothes are quite low), but Momox is great when you just want to pack up a box and be done with it. I usually sell nicer things on Vinted and send the rest of the clothes to Momox or donate them.

To sell your things, download the Momox app (you can also use your browser, but the app is more convenient). The app has two sections: one for books and media (like CDs and DVDs), and one for clothing. For books, just scan the barcode to get an instant quote. For clothes, choose the brand and category, and you’ll get a price (photo upload is optional).

Clothes you’re selling need to be in good condition, but books are usually accepted even when visibly used. Once you’ve created your box of accepted items, you’ll get a prepaid shipping label to send it off for free. You can get paid directly to your bank account — or opt for a voucher worth 20% more that you can use to shop for books and clothes on the platform.

For a little extra decluttering motivation, you get +14% extra when you sell at least €30 worth of books/media or €30 worth of clothes until August 25. Just use code SUMMERLOVE when finalizing your sale. Sell on Momox.

💳 €100 Welcome Bonus with Comdirect

If you’re after a solid banking bonus that doesn’t require jumping through too many hoops, Comdirect is now offering €100 for new customers (or those who closed their account more than 6 months ago) — up from €75 they offered last month. It’s one of the easiest sign-up bonuses around: you don’t need to move your salary there or make it your main account.

Here’s how it works: open a free account and agree to receive promotional emails (don’t unsubscribe until your bonus arrives). Then, within the first three months, make five transactions of at least €25 each. That’s it — your bonus will be paid out automatically in month four.

The account is free for the first 6 months, and stays free if you receive at least €700/month (a self-transfer works), or make three card payments per month via Apple or Google Pay. It also stays free if you’re under 28 and a student, intern, or trainee. You get a free Visa debit card when you open an account, and you can add a Girocard for €1/month if you need it. Sign up for Comdirect here.

If you’d like a bigger reward, Berliner Volksbank offers €200 as a welcome bonus — but it requires three monthly incoming payments of €700 or more (like salary or student financial aid). Despite the name, you don’t need to live in Berlin to become a customer.

💰 More Deals

• GetSafe: A generous insurance deal if I’ve ever seen one: if you’re under 40, GetSafe is offering a full year of travel insurance completely free — then just €15 per year after that. Everything is managed digitally, and the app works seamlessly in English. Travel insurance is one of the few I always pay for, so this promo is definitely worth a look. Sign up here.

• Bonify: I don’t know about you, but I’m always curious about what the German credit system thinks of me. You can get a free SCHUFA score via Bonify — no need to pay €29.95 for the full report. It’s a quick way to check if your credit standing is still clean, especially if you’ve opened multiple bank accounts or cards recently. Check your score here.

• Winsim is currently offering a 10GB phone plan for just €5.99/month with a 2-year contract (add €2/month if you want to be able to cancel monthly). All plans include unlimited calls, texts, and EU roaming, and you can keep your number if you’re switching from another provider. The cheapest plan is just €2.99/month for 2GB — which is unbelievably cheap. Plus, you can skip the €19.99 activation fee if you sign up through this link.

• Ninja Coffee Machine: Not a cheapie, but if you’re after a premium coffee setup, this is a strong offer. Two Ninja Luxe Café espresso machines are currently on sale — and you can get an extra 10% off by subscribing to their newsletter. That brings the Essential down to €332.99 (from €449.99) and the Premier to €422.99 (from €549.99) – up to €127 discount. Shop here.

🎁 Freebies

• Dr. Best toothbrush: Buy a Dr. Best Ultra Sensitive or Comfort Clean promotional toothbrush in store, test it for 14 days, then upload your receipt and answer a short questionnaire. Deadline: September 14, 2025 (which means you have to buy one by the end of August). Pro tip: buy at dm and combine with the dm promo above.

• Persil Gigant laundry pods: I can't remember the last time I paid for detergent – there are just so many promos in this category. Buy a 10 or 13 pod-pack of Persil Gigant Discs (Universal or Color) by September 15, photograph the receipt and product and upload both by September 30 for a full refund. The product is available at dm, Rossmann, Müller, and other places.

• Vanish stain remover: Buy one of the eligible Vanish products together with laundry detergent (any brand) in a single purchase by September 28, upload the receipt until September 30, and get €5 back. Tip: combine with the Persil promo above! Eligible products include Oxi Action Stain Remover Gel (Pink or Power White), Oxi Action Stain Remover Powder (Pink or Power White), and Multi-Stain Pre-Wash Spray (Color or White).

Money-back promos are one of the most underrated ways to save money on shopping in Germany. Some offers from previous issues — like August 14, July 31, July 22, July 8, June 18, and June 3) — are still running too, so make sure to check them out before they expire. If you’re interested in testing grocery products for free, Rewe product tests are worth a look as well.