Current account comparison

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Income / monthly:
Euro
Average account balance:
Euro
Current account with credit card:
Only free current accounts:
Only with a free credit card:
Only with exchange service:
 
C24 SMART
  • Free current account
  • Free debit card
+ 7,50 €
per year
Calculated conditions
Account maintenance 0,00 €
Interest + 7,50 €
Bookings 0,00 €
Bank card 0,00 €

Total costs/income + 7,50 €
Interest rate information
Interest on deposits 0,75 %
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 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
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
0,00 €
per year
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 11,20 %
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 free of charge
Outside euro currency area free of charge
Withdraw cash for free with credit card
Cash Withdrawal Domestic: 2800 ATMs - 4 kostenlose Bargeldabhebungen an allen VISA Geldautomaten, sonst 3,5%, min. 5,75 Euro
Cash Withdrawal Abroad: 2800 ATMs - 4 kostenlose Bargeldabhebungen an allen VISA Geldautomaten, sonst 3,5%, min. 5,75 Euro + 1,85% bei nicht Euro
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
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
Consorsbank! Girokonto + Credit Card Gold light
  • Free current account
  • Free debit card
0,00 €
per year
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 9,40 %
Overdraft interest 9,40 %
Occupational group
Employee
Minor
Pupil
Student
Apprentice
Retired
Freelancer
Self-employed
Unemployed
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
0,00 €
per year
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 9,64 %
Overdraft interest 9,64 %
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
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 Aktiv
  • Free current account
  • Free debit card
0,00 €
per year
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 8,65 %
Overdraft interest 13,15 %
Offer for new customers
Ihre 75-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. Für die Teilnahme an der Aktion müssen die vollständigen Antragsdaten zur Kontoeröffnung bis 29.08.2025 bei comdirect eingegangen sein. Zudem erhalten Neukunden mit der Girokontoeröffnung ein kostenloses Tagesgeld PLUS-Konto mit einem Tagesgeldzinssatz von 3,0 % p. a. bei einer Anlage von bis zu 1.000.000 Euro für 6 Monate. Weitere Informationen auf der Anbieter Webseite.
Payment by girocard ()
in the country 0,00 %
within Euro currency area 0,00 %
Outside euro currency area 1,75 %
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: 50000 ATMs - Weltweit insgesamt 3x mtl. kostenlos Bargeld abheben an allen Automaten mit Visa-Zeichen, ab dem 4. Mal 4,90 Euro pro Transaktion.
Cash Withdrawal Abroad: 2000000 ATMs - Weltweit insgesamt 3x mtl. kostenlos Bargeld abheben an allen Automaten mit Visa-Zeichen, ab dem 4. Mal 4,90 Euro pro T
Other debit card
Partner card
Motif card / selectable card optics
Card type: debit
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
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
Consorsbank! Girokonto + Visa Card Debit
  • Free current account
  • Free debit card
0,00 €
per year
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 9,40 %
Overdraft interest 9,40 %
Payment by girocard ()
in the country 0,00 %
within Euro currency area 0,00 %
Outside euro currency area 2,10 %
Withdraw cash with girocard
in the country free of charge
within Euro currency area free of charge
Outside euro currency area 2,10 %
Withdraw cash free of charge with the Girocard
Cash Withdrawal Domestic: 58000 ATMs - Kostenlos an allen Visa Geldautomaten in Deutschland ab 50 EUR Auszahlung, unter 50 EUR Auszahlung mind. 1,95 Euro pro Auszahlung
Cash Withdrawal Abroad: 0 ATMs - No free cash withdrawals
Other debit card
Partner card
Motif card / selectable card optics
Card type: debit
Occupational group
Employee
Minor
Pupil
Student
Apprentice
Retired
Freelancer
Self-employed
Unemployed
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
0,00 €
per year
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 9,28 %
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, Mindestwert 50 Euro
Cash Withdrawal Abroad: 400000 ATMs - An allen VISA Geldautomaten in der Eurozone, Mindestwert 50 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
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
bunq Free
  • Free current account
0,00 €
per year
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
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
GiroDirekt
  • Free current account
  • Free debit card
0,00 €
per year
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 10,61 %
Overdraft interest 10,61 %
Offer for new customers
50 Euro Prämie. Kunden, die sich bis 04.08.2025 für ein GiroDirekt entscheiden, können sich über eine Prämie in Höhe von 50 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
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
0,00 €
per year
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: 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: debit
Optional
Occupational group
Employee
Minor
Pupil
Student
Apprentice
Retired
Freelancer
Self-employed
Unemployed
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