You can open your account completely online via your smartphone in just 8 minutes. No annoying paperwork or long waiting times.
Send money by mail or SMS
You can easily send money to your friends via email or SMS.
N26 Mastercard included
With the N26 current account, you receive a virtual MasterCard. You can use this for online and mobile payments.
N26 Standard
N26 Bank
Fastest account opening in Europe
Fastest account opening in Europe
Send money by mail or SMS
Send money by mail or SMS
N26 Mastercard included
N26 Mastercard included
more
Overdraft interest p.a.
13.40 %
Overdraft interest p.a.
13.40 %
Smart Girokonto
C24
Free bank account with Mastercard included
Free bank account with Mastercard included
Interest up to € 50,000
Interest up to € 50,000
Withdraw money free of charge worldwide
Withdraw money free of charge worldwide
more
Monthly fee
0.00 €
Monthly fee
0.00 €
Overdraft interest p.a.
7.49 %
Overdraft interest p.a.
7.49 %
Highlights
Free bank account with Mastercard included
With the C24 Smart Account, you receive a free current account that includes a Mastercard as a worldwide means of payment. With the Mastercard, you receive 2.5 % cashback on every payment.
Interest up to € 50,000
You earn interest on the money in your account. The current interest rate is 2.5% p.a. and the interest-bearing balance is limited to €50,000. The interest is paid out quarterly.
Withdraw money free of charge worldwide
The account allows you to withdraw money from ATMs worldwide free of charge.
Smart Girokonto
C24
Free bank account with Mastercard included
Free bank account with Mastercard included
Interest up to € 50,000
Interest up to € 50,000
Withdraw money free of charge worldwide
Withdraw money free of charge worldwide
more
Overdraft interest p.a.
7.49 %
Overdraft interest p.a.
7.49 %
BestGiro
Santander
Your bank account without fees
Your bank account without fees
75 euro bonus
75 euro bonus
Free credit card included
Free credit card included
more
Monthly fee
0.00 €
Monthly fee
0.00 €
Overdraft interest p.a.
15.80 %
Overdraft interest p.a.
15.80 %
Highlights
Your bank account without fees
There are no hidden costs with Santander BestGiro. It also includes a free account switching service and free real-time transfer.
75 euro bonus
Get your 75 euro welcome bonus when you open your account.
Free credit card included
If you wish, you can receive a free credit card with your account.
BestGiro
Santander
Your bank account without fees
Your bank account without fees
75 euro bonus
75 euro bonus
Free credit card included
Free credit card included
more
Overdraft interest p.a.
15.80 %
Overdraft interest p.a.
15.80 %
Online-Konto
TARGOBANK
Free of charge from 600 euros monthly cash inflow
Free of charge from 600 euros monthly cash inflow
Free online bank transfers
Free online bank transfers
Banking app included
Banking app included
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
8.16 %
Overdraft interest p.a.
8.16 %
Highlights
Free of charge from 600 euros monthly cash inflow
The account fee is waived if you have at least 600 euros in incoming money on your account per month. Otherwise, monthly account fees of 3.95 euros apply.
Free online bank transfers
Within Germany, standing orders and online transfers are free of charge.
Banking app included
Keep a full overview of your finances with the TARGOBANK banking app.
Online-Konto
TARGOBANK
Free of charge from 600 euros monthly cash inflow
Free of charge from 600 euros monthly cash inflow
Free online bank transfers
Free online bank transfers
Banking app included
Banking app included
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
8.16 %
Overdraft interest p.a.
8.16 %
Girokonto aktiv
Comdirect
Free bank account with active use
Free bank account with active use
Withdraw cash free of charge
Withdraw cash free of charge
Free overnight money PLUS account
Free overnight money PLUS account
more
Monthly fee
0.00 €
Monthly fee
0.00 €
Overdraft interest p.a.
11.00 %
Overdraft interest p.a.
11.00 %
Highlights
Free bank account with active use
There is no account maintenance fee for you if you actively use the account or are under 28 years old.
Withdraw cash free of charge
With the Visa debit card, you can withdraw cash free of charge 3 times a month at all ATMs with the Visa symbol worldwide in the Active current account.
Free overnight money PLUS account
With the Tagesgeld PLUS account, you can put money aside and stay flexible at the same time. The balance is available at any time - there are no fixed terms or notice periods.
Girokonto aktiv
Comdirect
Free bank account with active use
Free bank account with active use
Withdraw cash free of charge
Withdraw cash free of charge
Free overnight money PLUS account
Free overnight money PLUS account
more
Overdraft interest p.a.
11.00 %
Overdraft interest p.a.
11.00 %
Kostenloses Girokonto
Commerzbank
Free account management
Free account management
Free mobile banking app
Free mobile banking app
Mobile contactless payment
Mobile contactless payment
more
Monthly fee
0.00 €
Monthly fee
0.00 €
Overdraft interest p.a.
12.45 %
Overdraft interest p.a.
12.45 %
Highlights
Free account management
There is no account management fee for you if you have a regular income
Free mobile banking app
Keep a full overview of your spending with the free mobile banking app for your account.
Mobile contactless payment
You can easily pay with Google Pay and Apple Pay.
Kostenloses Girokonto
Commerzbank
Free account management
Free account management
Free mobile banking app
Free mobile banking app
Mobile contactless payment
Mobile contactless payment
more
Overdraft interest p.a.
12.45 %
Overdraft interest p.a.
12.45 %
Girokonto
1822MOBILE
Free of charge from 0.01 euros monthly cash receipt
Free of charge from 0.01 euros monthly cash receipt
Online account opening in 8 minutes
Online account opening in 8 minutes
Optional Sparkassen-Card
Optional Sparkassen-Card
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
11.48 %
Overdraft interest p.a.
11.48 %
Highlights
Free of charge from 0.01 euros monthly cash receipt
The account fee is waived from a monthly cash inflow of 0.01 euros. Otherwise monthly account fees of 1.90 euros will be charged.
Online account opening in 8 minutes
You can open your account online in about 8 minutes. No paperwork and completely digital.
Optional Sparkassen-Card
For 0.50 euros a month, you get a Sparkassen Card for your account. You can also link this to Apple Pay and enjoy mobile payment from your phone.
Girokonto
1822MOBILE
Free of charge from 0.01 euros monthly cash receipt
Free of charge from 0.01 euros monthly cash receipt
Online account opening in 8 minutes
Online account opening in 8 minutes
Optional Sparkassen-Card
Optional Sparkassen-Card
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
11.48 %
Overdraft interest p.a.
11.48 %
Essential inkl. optionaler Girocard
Consorsbank
Free account management possible
Free account management possible
Mobile payment worldwide
Mobile payment worldwide
Free Visa Card Debit
Free Visa Card Debit
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
11.50 %
Overdraft interest p.a.
11.50 %
Highlights
Free account management possible
The account fee is waived if you are under 28 years of age or have at least 700 euros of incoming money on your account per month. Otherwise, monthly account fees of 4.00 euros apply.
Mobile payment worldwide
You can link the account to your smartphone, smartwatch or card and make contactless payments.
Free Visa Card Debit
You receive a free Visa Card with your account. With this card you can withdraw free of charge in the entire European Economic Area for withdrawals of 50 euros or more.
Essential inkl. optionaler Girocard
Consorsbank
Free account management possible
Free account management possible
Mobile payment worldwide
Mobile payment worldwide
Free Visa Card Debit
Free Visa Card Debit
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
11.50 %
Overdraft interest p.a.
11.50 %
Top-Girokonto
Norisbank
Free account management possible
Free account management possible
Cashless payment worldwide
Cashless payment worldwide
Free mobile banking app
Free mobile banking app
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
12.60 %
Overdraft interest p.a.
12.60 %
Highlights
Free account management possible
The account fee is waived if you are under 21 years old or have at least 500 euros of incoming money on your account per month. Otherwise, monthly account fees of 3.90 euros apply.
Cashless payment worldwide
If you get a Mastercard or Maestro Card in addition to your account, you can make cashless payments worldwide.
Free mobile banking app
Keep full track of your spending with the free mobile banking app for your account.
Top-Girokonto
Norisbank
Free account management possible
Free account management possible
Cashless payment worldwide
Cashless payment worldwide
Free mobile banking app
Free mobile banking app
more
Monthly fee from
0.00 €
Monthly fee from
0.00 €
Overdraft interest p.a.
12.60 %
Overdraft interest p.a.
12.60 %
This comparison does not represent a complete market overview (§ 18 para. 6 ZKG). All information is without guarantee, subject to change and errors. Please also note the information under "Details".
Fastest account opening in Europe
