Current account comparison
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Girokonto
- Free current account
- Free credit card (debit)
-
+ 31,25 €
in the 1st year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | + 31,25 € |
| Bookings | 0,00 € |
| Total costs/income | + 31,25 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 3,75 % |
| 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
+ 7,50 €
per year
Conditions
Details
| 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 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 Openbank
+ 2,00 €
in the 1st year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | + 2,00 € |
| Bookings | 0,00 € |
| Total costs/income | + 2,00 € |
| Interest rate information | |
|---|---|
| Interest on deposits | 0,20 % |
| Arranged overdraft interest | 10,45 % |
| Overdraft interest | 10,45 % |
| 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: 58000 ATMs - 6 kostenfreie Abhebungen pro Monat weltweit | |
| Cash Withdrawal Abroad: 2000000 ATMs - 6 kostenfreie Abhebungen pro Monat weltweit | |
| 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 German Banks GmbH | |
| Exchange service | |
|---|---|
| Exchange service | |
Top-Girokonto
-
- Free current account
- Free debit card
- Free credit card (debit)
-
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 % |
| Offer for new customers | |
|---|---|
| Voraussetzung für Ihre 120 Euro Kontowechsel-Prämie: Abschluss eines Top-Zinskontos (Tagesgeld) bei gleichzeitigem Abschluss eines Top-Girokontos. Prämie nur bei Nutzung der Videolegitimation. Mindestens 3 Zahlungspartner (z.B. Gehalt, Pension, Rente, etc. und Lastschriften wie z.B. Miete, Strom, Handy etc.) müssen automatisiert über den Online-Kontowechselservice bis 30.11.2026 über das neue Top-Girokonto informiert werden. 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 | 1,50 % |
| Withdraw cash with credit card | |
|---|---|
| in the country | free of charge |
| within Euro currency area |
2,50 % min. 6,00 € |
| Outside euro currency area |
2,50 % min. 6,00 € |
| Withdraw cash for free with credit card | |
|---|---|
| Cash Withdrawal Domestic: 4500 ATMs - Bargeldauszahlungen an Geldautomaten der Cash-Group sind kostenfrei | |
| 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 | 8,90 % |
| Overdraft interest | 13,40 % |
| Offer for new customers | |
|---|---|
| Eröffne bis zum 18.10.2026 ein Girokonto und erhalte bis zu 150 Euro Cashback. Du erhältst 5% Cashback auf bis zu einem monatlichen Einkaufswert von 1.000 Euro. Das monatliche Cashback beträgt maximal 50 Euro, sodass in 3 Monaten bis zu 150 Euro Cashback erreicht werden kann. Weitere Inforamtionen auf der Website. | |
| 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? | |
|---|---|
| Compensation Scheme of German Banks GmbH | |
| 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 % |
| 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? | |
|---|---|
| Compensation Scheme of German Banks GmbH | |
| 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 bis 13.10.2026 ein GiroDirekt beantragen und bis zum 23.10.2026 eröffnen, sichern sich eine Prämie in Höhe von 170 Euro plus 30 Euro Jubiläumsprämie. Bis zum 31.01.2027 gehen dabei in zwei aufeinanderfolgenden Kalendermonaten jeweils mindestens 700 Euro auf dem Konto ein. Die Geldeingänge stammen aus Lohn, Gehalt, Rente, Besoldung oder BAföG. 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 | 9,75 % |
| Payment by credit card (Visa) | |
|---|---|
| in the country | 0,00 % |
| within Euro currency area | 0,00 % |
| Outside euro currency area | 2,00 % |
| 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: 58000 ATMs - 1 kostenlose Abhebung pro Monat, danach 3,- Euro pro Abhebung | |
| Cash Withdrawal Abroad: 1600000 ATMs - 1 kostenlose Abhebung pro Monat, danach 3,- Euro pro Abhebung. Zzgl. Kosten von 2% des Betrages bei allen Abhebungen 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 | |
| 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 | 9,90 % |
| Overdraft interest | 9,90 % |
| 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? | |
|---|---|
| French deposit insurance fund | |
| Exchange service | |
|---|---|
| Exchange service | |