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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 % |
| Offer for new customers | |
|---|---|
| Bis 07.04.2026 können sich Neukunden zusätzlich 10% Cashback zu den regulären 3% sichern. Der maximale Gesamtvorteil, den Kunden erhalten können, beträgt 113,- Euro. Weitere Informationen auf der Webseite des Anbieters. | |
| 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 | |
| Default | |
| 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 | |
| Default | |
| 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 | |
Top-Girokonto
- Free current account
- Free debit card
-
Test seal norisbank
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 | 10,50 % |
| Overdraft interest | 0,00 % |
| Occupational group | |
|---|---|
| Employee | |
| Minor | |
| Pupil | |
| Student | |
| Apprentice | |
| Retired | |
| Freelancer | |
| Self-employed | |
| Unemployed | |
| Couples | |
| Default | |
| 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 | |
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 | |
| Default | |
| 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 | |
| Default | |
| 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 | |
|---|---|
| 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. Die Prämie schreiben wir Ihnen im 4. Monat nach Kontoeröffnung auf Ihrem neuen Girokonto gut. 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 | |
| Default | |
| 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 | 9,14 % |
| Overdraft interest | 9,14 % |
| Offer for new customers | |
|---|---|
| Für die Eröffnung des ersten Girokontos bis zum 28.02.2026 bedankt sich die ING mit 100 Euro. Die Zustimmung zu Tipps für Sie persönlich sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten genügen schon. Ab 28 Jahre: 1.000 Euro (auch bei Gemeinschaftskonten). Unter 28 Jahren: 700 Euro (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). 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 | |
| Default | |
| 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 | |
|---|---|
| Neukunden, die sich vom 08.01.2026 bis 02.03.2026 für ein GiroDirekt entscheiden, sichern sich eine Prämie in Höhe von 100 Euro. Prämienberechtigt sind Kunden, die in den ersten drei Kalendermonaten nach dem Erhalt der kostenlosen girocard (Sparkassen-Card) jeden Monat mindestens drei Zahlungen (Geldautomatentransaktionen sind ausgeschlossen) mit der Karte durchführen. Weitere neue Voraussetzung für den Prämienerhalt ist die Einwilligung zum Erhalt werblicher Informationen per elektronischer Post (z.B. E-Mail), die spätestens 4 Wochen nach Kontoeröffnung z.B. im Online-Banking oder im Antragsprozess abzugeben ist und mindestens bis zum Erhalt der Prämiengutschrift bestand haben muss. 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 | |
| Default | |
| 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 | 9,75 % |
| 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 | 2,00 % |
| 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 - 2 % Kosten je Abhebung in Nicht-Euro | |
| 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 | |
| Default | |
| 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 % |
| Offer for new customers | |
|---|---|
| Beantragen Sie Ihr erstes Consorsbank Girokonto und nutzen Sie es aktiv. Das bedeutet: Nach Eröffnung gehen 12 Monate lang mindestens 1.500 Euro monatlich von einer Fremdbank auf dem Girokonto ein. Der erste Geldeingang muss dabei spätestens im dritten Monat nach Kontoeröffnung stattfinden. Eröffnen Sie Ihr erstes Wertpapierdepot. Die Depoteröffnung muss innerhalb von 4 Wochen nach der Girokontoeröffnung erfolgen. Anschließend können Sie einen ETF-Sparplan starten. Geben Sie uns Ihre Zustimmung zu werblicher Kommunikation im Web oder in der App. 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: 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 | |
| Default | |
| 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 | |