Current account comparison
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Girokonto
- Free current account
- Free credit card (debit)
-
+ 15,00 €
in the 1st year
Conditions
Details
| Calculated conditions | |
|---|---|
| Account maintenance | 0,00 € |
| Interest | + 15,00 € |
| Bookings | 0,00 € |
| Total costs/income | + 15,00 € |
| 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 | |
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. 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 31.05.2026 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 | |
BestGiro
-
- Free current account
- Free credit card (debit)
-
Test seal Santander
0,00 €
in the 1st yearper 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 % |
| Offer for new customers | |
|---|---|
| Neukunden können sich bis zu 200 Euro sichern. So setzt sich die Prämie zusammen: 150 Euro Willkommensbonus plus 50 Euro Weiterempfehlungsprämie. Bedingungen für den 150 Euro Willkommensbonus: Eröffnung eines Girokontos (BestGiro oder BestGiro für Studenten) online über die Santander Homepage. Durchführung des Kontowechselservice innerhalb von 3 Monaten nach Kontoeröffnung mit mindestens 4 Zahlungspartnern. Bedingungen für die 50 Euro Weiterempfehlungsprämie: Empfohlene Person eröffnet Girokonto über den persönlichen Empfehlungs-Link. Empfohlene Person darf in den letzten 12 Monaten kein Girokonto bei Santander gehabt haben. 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 | 1,85 % |
| 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? | |
|---|---|
| Compensation Scheme of German Banks GmbH | |
| 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 | |
|---|---|
| Du kannst dir eine Prämie von bis zu 250 Euro sichern, wenn du diese Voraussetzungen erfüllst. 100 Euro Prämie: Willige während der Kontoeröffnung in die Übermittlung werblicher Informationen der Commerzbank AG per E-Mail ein. Stelle sicher, dass in mindestens 2 von 4 Monaten nach der Kontoeröffnung jeweils 700 Euro oder mehr auf dein neues Konto eingehen. 150 Euro Kontowechselprämie: Nutze innerhalb von 3 Monaten nach erfolgreicher Kontoeröffnung unseren kostenlosen Kontowechsel-Service im Persönlichen Bereich. Informiere über den Kontowechsel-Service mindestens 2 Zahlungspartner über deine neue Bankverbindung. Dazu zählen Lastschriften für z. B. Miete, Strom, Mobilfunk oder Internet sowie Geldeingänge wie z. B. dein Gehalt. 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? | |
|---|---|
| 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 % |
| Offer for new customers | |
|---|---|
| Für die Eröffnung des ersten Girokontos bis zum 30.04.2026 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 | |
| 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 | |
|---|---|
| Kunden, die sich bis 13.05.2026 für ein GiroDirekt entscheiden und zusätzlich eine Visa Kreditkarte beantragen, sichern sich bis zu 125 Euro Prämie + 20 Euro Frühlingsprämie = 145 Euro Gesamtprämie. 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 | 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 | |
| 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? | |
|---|---|
| French deposit insurance fund | |
| Exchange service | |
|---|---|
| Exchange service | |