Current account comparison
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Girokonto
- Free current account
- Free credit card (debit)
-
+ 30,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | + 30,00 € |
| Bookings | 0,00 € |
| Total costs/income | + 30,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 3,00 % |
| Arranged overdraft interest | 9,95 % |
| Overdraft interest | 9,95 % |
| Payment by credit card (Mastercard) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | 2,00 € |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 57000 ATMs - ab 150 Euro Geldabhebungswert fallen keine Kosten an, unter 150 Euro fallen 2 Euro je Abhebung an | |
| Cash Withdrawal Abroad: 62500 ATMs - 2 Euro pro Abhebung | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Spanish Deposit Insurance Fund | |
| Exchange service | |
|---|---|
| Exchange service | |
C24 SMART
-
- Free current account
- Free debit card
- Free credit card (debit)
-
Test seal C24 Bank
+ 5,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | + 5,00 € |
| Bookings | 0,00 € |
| Bank card | 0,00 € |
| Total costs/income | + 5,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,50 % |
| Arranged overdraft interest | 7,49 % |
| Overdraft interest | 11,49 % |
| Offer for new customers | |
|---|---|
| 75 Euro Konto-Wechselprämie. Unter folgenden Bedingungen erhalten Neukunden eine Konto-Wechselprämie in Höhe von 75 Euro: Eröffnung eines C24 Smart-, Plus- oder Maxkontos. Automatisierte Schließung des alten Kontos über den digitalen CHECK24 Kontoumzug innerhalb der ersten 90 Tage nach Antragsstellung. Ablauf von 14 Tagen nach erfolgreicher Durchführung des CHECK24 Kontoumzugs. Weitere Informationen auf der Webseite des Anbieters. | |
| Payment by girocard (Maestro) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with girocard | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | free of charge |
| Withdraw cash free of charge with the Girocard | |
|---|---|
| Cash Withdrawal Domestic: 57000 ATMs - An allen Mastercard Geldautomaten 4x kostenlos, danach 2 Euro pro Abhebung | |
| Cash Withdrawal Abroad: 0 ATMs - No free cash withdrawals | |
| Other debit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Payment by credit card (Mastercard) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | free of charge |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 58000 ATMs - An allen Mastercard Geldautomaten 4x kostenlos, danach 2 Euro pro Abhebung | |
| Cash Withdrawal Abroad: 2000000 ATMs - An allen Mastercard Geldautomaten 4x kostenlos, danach 2 Euro pro Abhebung | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Deposit insurance of the Association of German Banks (new members) | |
| Exchange service | |
|---|---|
| Exchange service | |
BestGiro
- Free current account
- Free credit card (debit)
-
Test seal Santander
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 10,20 % |
| Overdraft interest | 10,20 % |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 1,85 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | 4,95 € |
| Outside euro currency area | 4,95 € |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 2800 ATMs - An allen Geldautomaten des CashPools und der Santander Bank | |
| Cash Withdrawal Abroad: 0 ATMs - No free cash withdrawals | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Deposit Guarantee Scheme of the Association of German Banks | |
| Exchange service | |
|---|---|
| Exchange service | |
bunq Free
- Free current account
- Free credit card (prepaid)
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Overdraft interest | 0,00 % |
| Payment by credit card (Mastercard) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,50 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | 0,99 € |
| within Euro currency area | 0,99 € |
| Outside euro currency area | 0,99 € |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 0 ATMs - No free cash withdrawals | |
| Cash Withdrawal Abroad: 0 ATMs - No free cash withdrawals | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: prepaid | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Dutch deposit insurance / Depositogarantiestelsel | |
| Exchange service | |
|---|---|
| Exchange service | |
Girokonto Aktiv
-
- Free current account
- Free credit card (debit)
-
Test seal comdirect
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 8,65 % |
| Overdraft interest | 13,15 % |
| Offer for new customers | |
|---|---|
| 100 Euro Prämie. Ihre 100-Euro-Prämie erhalten Sie, wenn Sie während der Kontoeröffnung die Einwilligung für die Übermittlung werblicher Informationen der Commerzbank AG per E-Mail erteilen, sie bis zum Erhalt der Prämie nicht widerrufen und innerhalb der ersten 3 Monate nach Kontoeröffnung mindestens 5 Transaktionen (Überweisung, Ein- und Auszahlung, Zahlung per Lastschrift, Abheben am Geldautomaten) über jeweils 25 Euro oder mehr tätigen. Das Angebot gilt nur für comdirect Neukunden. Neukunde ist, wer in den letzten 6 Monaten vor Kontoeröffnung nicht bereits Kunde von comdirect – einer Marke der Commerzbank AG – war. Für die Teilnahme an der Aktion müssen die vollständigen Antragsdaten zur Kontoeröffnung bis 20.11.2025 bei comdirect eingegangen sein. Weitere Informationen auf der Webseite des Anbieters. | |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 1,75 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | free of charge |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 58000 ATMs - An allen VISA Geldautomaten in Deutschland, 3 Transaktionen pro Monat kostenlos, jede weitere 4,90 EUR | |
| Cash Withdrawal Abroad: 1600000 ATMs - An allen VISA Geldautomaten weltweit, 3 Transaktionen pro Monat kostenlos, jede weitere 4,90 EUR | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Deposit Guarantee Scheme of the Association of German Banks | |
| Exchange service | |
|---|---|
| Exchange service | |
Girokonto + gratis Visa Card [Debitkarte]
-
- Free current account
- Free credit card (debit)
-
Test seal ING
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 9,39 % |
| Overdraft interest | 9,39 % |
| Offer for new customers | |
|---|---|
| 100 Euro Gutschrift sichern. Für die Eröffnung Ihres ersten Girokontos bis zum 30.09.2025 bedanken wir uns mit 100 Euro. Ihre Zustimmung zu "Tipps für Sie persönlich" sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten genügen schon. Weitere Informationen auf der Webseite des Anbieters. | |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 2,20 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | 2,20 % |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 58000 ATMs - An allen VISA Geldautomaten | |
| Cash Withdrawal Abroad: 400000 ATMs - An allen VISA Geldautomaten in der Eurozone | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Deposit Guarantee Scheme of the Association of German Banks | |
| Exchange service | |
|---|---|
| Exchange service | |
GiroDirekt
-
- Free current account
- Free debit card
-
Test seal 1822direkt
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Bank card | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 9,65 % |
| Overdraft interest | 9,65 % |
| Offer for new customers | |
|---|---|
| 75 Euro Prämie. Neukunden, die sich bis 30.09.2025 für ein GiroDirekt entscheiden, können sich über eine Prämie in Höhe von 75 Euro freuen. Prämienberechtigt sind Kunden, die in den ersten drei Kalendermonaten nach dem Erhalt der Karte jeden Monat mindestens drei Zahlungen (Geldautomatentransaktionen ausgeschlossen) mit der kostenlosen girocard mit V PAY (Sparkassen-Card) durchführen. Weitere Informationen auf der Webseite des Anbieters. | |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 1,75 % |
| Withdraw cash with credit card | |
|---|---|
| in the country |
2,00 % min. 5,11 € |
| within Euro currency area | free of charge |
| Outside euro currency area | 1,75 % |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 0 ATMs - No free cash withdrawals | |
| Cash Withdrawal Abroad: 400000 ATMs - An allen VISA Geldautomaten in der Eurozone | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: charge | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Protection system of the German Savings Banks Finance Group | |
| Exchange service | |
|---|---|
| Exchange service | |
Tomorrow Now
- Free current account
- Free credit card (debit)
-
Test seal Tomorrow
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 9,75 % |
| Overdraft interest | 0,00 % |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | 3,00 € |
| within Euro currency area | 3,00 € |
| Outside euro currency area | 3,00 € |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 58000 ATMs - 1 kostenlose Abhebung pro Monat, danach 3,- Euro jede weitere Abhebung | |
| Cash Withdrawal Abroad: 1600000 ATMs - 1 kostenlose Abhebung pro Monat, danach 3,- Euro jede weitere Abhebung | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Statutory deposit guarantee scheme / Deposit Guarantee and Investor Compensation Act | |
| Exchange service | |
|---|---|
| Exchange service | |
Consorsbank! Girokonto + Credit Card Gold light
- Free current account
- Free credit card (credit)
-
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 9,40 % |
| Overdraft interest | 9,40 % |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | free of charge |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 60000 ATMs - An allen VISA Geldautomaten | |
| Cash Withdrawal Abroad: 2000000 ATMs - An allen Visa-Geldautomaten | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: credit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Deposit Guarantee Scheme of the Association of German Banks | |
| Exchange service | |
|---|---|
| Exchange service | |
Kostenloses Girokonto inkl. Visa Debitkarte
-
- Free current account
- Free credit card (debit)
-
Test seal DKB
0,00 €
per year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | 0,00 € |
| Bookings | 0,00 € |
| Total costs/income | 0,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,00 % |
| Arranged overdraft interest | 9,28 % |
| Overdraft interest | 8,68 % |
| Offer for new customers | |
|---|---|
| 100 Euro Prämie. Bis zum 15.09.2025 können sich Neukunden und Bestandskunden ohne Girokonto über 100 Euro Prämie für ihr erstes Girokonto bei der DKB freuen. Das Angebot gilt für Einzel- und Gemeinschaftskonto sowie für das Studentenkonto. So einfach geht es: Kostenloses Girokonto im Zeitraum vom 01.09. bis zum 15.09.2025 beantragen, 3 Gehaltseingänge mit mind. 700 Euro auf dem Konto einrichten, Einwilligung zur Kommunikation über neue Produkte zu informieren. Weitere Informationen auf der Webseite des Anbieters. | |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 0,00 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area | free of charge |
| Outside euro currency area | free of charge |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 58000 ATMs - Kostenlos Seitens der DKB mit Aktivstatus an allen Visa Geldautomaten in Deutschland ab 50 EUR Auszahlung | |
| Cash Withdrawal Abroad: 1600000 ATMs - Kostenlos Seitens der DKB mit Aktivstatus an allen Visa Geldautomaten weltweit ab 50 EUR Auszahlung | |
| Other credit card | |
|---|---|
| Partner card | |
| Motif card / selectable card optics | |
| Card type: debit | |
| Optional | |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Account maintenance | |
|---|---|
| Online - Banking | |
| App - Banking | |
| Telephone - Banking | |
| Offline | |
| Security Procedure | |
|---|---|
| iTAN | |
| pushTAN | |
| photoTAN | |
| mTAN | |
| ChipTAN | |
| How safe is your money? | |
|---|---|
| Compensation Scheme of the Federal Association of German Public Banks GmbH | |
| Exchange service | |
|---|---|
| Exchange service | |