[{"data":1,"prerenderedAt":8533},["ShallowReactive",2],{"comparison-geschaeftskonto-freiberufler":3},{"directusData":4,"page":8135,"uri":8531,"type":8532},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":15,"show_filter":16,"show_layout_toggle":16,"default_parameters":17,"default_filter_parameters":22,"items_filter":22,"custom_table_columns":22,"table_sort":23,"disclaimer":32,"selected_alt_product_name":22,"parent_awards":33,"award_highlight":39,"tags":22,"comparison":40,"user_created":4786,"award_1_label":238,"award_1_item":4789,"items":4794,"table_columns":8079,"product_selection_title":46},69,"freiberufler","Das beste Geschäftskonto für Freiberufler","\u003Ch2>Geschäftskonto für Freiberufler 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Ein Geschäftskonto ermöglicht dir als Freiberufler, deine privaten und geschäftlichen Zahlungen klar zu trennen und einen guten Überblick zu haben. Welches Konto für dich am besten geeignet ist, kannst du in unserem Vergleich herausfinden. Angezeigt werden dir dafür Geschäftskonten, die für Einzelunternehmen oder alle geeignet sind. Bewertet haben wir die Geschäftskonten, basierend auf einer Community-Umfrage.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"label":12,"value":13,"icon":14},"Befragte Personen","286","users",true,false,[18],{"title":19,"key":20,"value":21},"Geeignet für","suitableBusiness","Freiberufler",null,[24,28],{"label":25,"key":26,"sort":27,"default_sort":16},"Gesamtkosten p.M.","total_costs","asc",{"label":29,"key":30,"sort":31,"default_sort":15},"Testnote","rating","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Banken\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben haben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSMfLBXoiNjVVvTfAJk610ensLTn4XXlIO1IOtQCOkQgqlNki1ztIkAAUomO8bKu_wUKRhXDVaaOydx\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp>*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[34,35,36,37,38],"award_1","award_2","award_3","award_4","award_5","0",{"title":41,"slug":42,"date_updated":43,"factsheet":44,"product_selection_title":46,"default_parameters":47,"table_columns":50,"table_sort":235,"disclaimer":32,"award_1_label":238,"user_created":239,"award_1_item":243,"items":254},"Geschäftskonto-Vergleich 2026","geschaeftskonto","2026-07-01T09:09:00.929Z",[45],{"label":12,"value":13,"icon":14},"Deine Geschäftskonto Auswahl",[48],{"title":19,"key":20,"value":49},"Alle",[51,54,58,62,63,68,76,80,83,86,89,92,95,98,104,109,114,117,120,124,128,131,134,137,140,144,148,151,155,159,164,169,174,179,182,187,191,195,198,201,205,209,213,217,220,223,227,230],{"label":52,"key":53,"type":53,"active":15},"Anbieter","provider",{"label":55,"key":56,"type":57,"active":15},"Konto","label","product",{"label":59,"key":60,"type":61,"active":15},"Angebot","url","cta",{"label":25,"key":26,"active":15},{"label":64,"key":30,"type":30,"active":15,"description":65,"sortable":15,"sort_options":66},"Bewertung","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSMfLBXoiNjVVvTfAJk610ensLTn4XXlIO1IOtQCOkQgqlNki1ztIkAAUomO8bKu_wUKRhXDVaaOydx\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>",[67],"default_sort",{"label":69,"key":70,"type":71,"active":15,"description":72,"options":73,"mobile_rank":75},"Unternehmensform","suitable_for_businesses","multicheck","\u003Cp dir=\"ltr\">Hier findest du heraus, ob das Geschäftskonto für dich geeignet ist. Geschäftskonten sind je nach Anbieter nur für gewisse Rechtsformen (auch Unternehmensformen genannt) möglich, dazu zählen:\u003C\u002Fp>\n\u003Cul>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">Einzelunternehmen: Freiberufler, Kleingewerbetreibender, eingetragener Kaufmann (e.K.)\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">Personengesellschaften: GbR, OHG, KG\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">Kapitalgesellschaften: GmbH, UG, AG\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>",[74],"show-all",1,{"label":77,"key":78,"type":79,"active":16,"mobile_rank":22},"Geeignet für Freiberufler","suitable_for_self_employed","check",{"label":81,"key":82,"type":79,"active":16},"Geeignet für GmbH und UG","suitable_for_gmbh_and_ug",{"label":84,"key":85,"type":79,"active":16},"Geeignet für GbR","suitable_for_gbr",{"label":87,"key":88,"type":79,"mobile_rank":22},"Geeignet für Einzelunternehmen","suitable_for_einzel",{"label":90,"key":91,"type":79},"Geeignet für AG","suitable_for_ag",{"label":93,"key":94,"type":79},"Geeignet für OHG","suitable_for_ohg",{"label":96,"key":97,"type":79},"Geeignet für KG","suitable_for_kg",{"label":99,"key":100,"type":101,"active":15,"description":102,"mobile_rank":103},"Kontoführungsgebühr (p.M.)","account_maintenance_fee","text","\u003Cp>Einige Anbieter gewähren einen Rabatt, falls die Kontoführungsgebühr jährlich statt monatlich gezahlt wird. In diesem Fall rechnen wir die jährlichen Kosten auf einen Monat runter und geben die Kosten für beide Zahlweisen im Tooltip an.\u003C\u002Fp>\n\u003Cp>Wir zeigen die Preise brutto (inkl. MWST) an, um eine einheitliche und transparente Vergleichsbasis zu gewähren. Einige Anbieter weisen ihre Preise auf ihren Websites netto (ohne MWST) aus.\u003C\u002Fp>",2,{"label":105,"key":106,"type":101,"active":15,"mobile_rank":107,"description":108},"Anzahl kostenloser belegloser Buchungen (p.M.)","count_free_bookings",3,"\u003Cp>Einige Anbieter gewähren eine bestimmte Anzahl an kostenlosen Buchungen im Monat. Erst wenn diese Anzahl überschritten ist, fallen die unten genannten Kosten pro Buchung an.\u003C\u002Fp>",{"label":110,"key":111,"type":101,"active":15,"description":112,"mobile_rank":113},"Kosten pro Buchung","cost_per_wire","\u003Cp>Diese Kosten fallen an, wenn die oben genannte Anzahl an kostenlosen Buchungen pro Monat überschritten wird. Zu den Buchungen zählen Überweisungen, Gutschriften und Lastschriften. Wir betrachten hierbei beleglose Buchungen, d.h. sie werden online beauftragt.\u003C\u002Fp>",4,{"label":115,"key":116,"active":16},"Kosten pro Gutschrift","cost_per_credit",{"label":118,"key":119,"type":101,"active":16},"Überweisungslimit","wire_limit",{"label":121,"key":122,"type":71,"active":16,"description":123},"Echtzeitüberweisung","real_time_bankwire","\u003Cp>Per Echtzeitüberweisung kann jederzeit (auch an Sonn- und Feiertagen) Geld innerhalb von maximal 20 Sekunden transferiert werden.\u003C\u002Fp>",{"label":125,"key":126,"type":127,"active":16},"Girocard","girocard","image",{"label":129,"key":130,"type":127,"active":15},"Debitkarte (Kosten p.M.)","debitcard",{"label":132,"key":133,"type":127,"active":15},"Kreditkarte (Kosten p.M.)","creditcard",{"label":135,"key":136,"type":101,"active":15},"Anzahl kostenloser Bankkarten","count_free_cards",{"label":138,"key":139,"type":101,"active":15},"Kosten je zusätzliche Bankkarte (p.M.)","cost_per_extra_card",{"label":141,"key":142,"type":101,"active":15,"description":143},"Kosten Bargeldabhebung","cost_cash_withdrawal","\u003Cp>Unter Bargeldabhebung verstehen wir das Abheben an Geldautomaten. Die Kosten beziehen sich auf Abhebungen innerhalb Deutschlands beim Geldautomatenverbund der Bank. Es können je nach Bankautomat zusätzliche Gebühren der Geldautomatenbetreiber anfallen. Im Nicht-Euro-Ausland können die Fremdwährungsgebühren hinzukommen.\u003C\u002Fp>",{"label":145,"key":146,"type":101,"active":15,"description":147},"Fremdwährungsgebühr bei Kartenzahlung und Bargeldabhebung","card_non_eu","\u003Cp>Zahlst du mit der Bankkarte im Nicht-Euro-Ausland oder hebst dort Bargeld ab, fallen Fremdwährungsgebühren an.\u003C\u002Fp>",{"label":149,"key":150,"type":101,"active":15},"Kosten Bargeldeinzahlung","cost_cash_deposit",{"label":152,"key":153,"type":101,"active":15,"description":154},"Kosten ausgehende Überweisung in Fremdwährung","cost_outgoing_foreign_wire","\u003Cp>Überweisungen in Fremdwährung werden standardmäßig mit der Kostenart SHARE ausgeführt. Daher haben wir die Kosten für diese Art verglichen. Bei einer SHARE-Überweisung teilen sich der Sender und der Begünstigte die anfallenden Kosten. Genauer gesagt zahlt jeder die Gebühren seiner eigenen Bank. Bei BEN zahlt der Begünstigte alle Kosten, wohingegen bei OUR der überweisende Kunde die gesamten Kosten trägt.\u003C\u002Fp>",{"label":156,"key":157,"type":101,"active":15,"description":158},"Kosten eingehende Überweisung in Fremdwährung","cost_incoming_foreign_wire","\u003Cp>Wie auch bei der ausgehenden Überweisung in Fremdwährung wird die Kostenart SHARE betrachtet. Bei den meisten Banken ist dies die voreingestellte Form.\u003C\u002Fp>",{"label":160,"key":161,"type":162,"active":15,"description":163},"Gesetzliche Einlagensicherung","country","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"label":165,"key":166,"type":127,"options":167,"active":15},"Online Banking","online_banking",[168],"transparent",{"label":170,"key":171,"type":127,"active":15,"options":172},"Mobiles Bezahlen","contactless_payment_services",[173],"disable-tooltip",{"label":175,"key":176,"type":177,"active":15,"description":178},"Kontakt und Support","support","icons","\u003Cp>Beim Support betrachten wir den allgemeinen Kundenservice. Deswegen reicht eine telefonische Sperrhotline nicht aus.\u003C\u002Fp>",{"label":180,"key":181,"type":79,"active":15},"Filialen","branches",{"label":183,"key":184,"type":127,"active":15,"options":185,"description":186},"App-Bewertung","app_rating",[168],"\u003Cp>Für die App-Bewertung haben wir den Durchschnitt von den Bewertungen im Apple- und Google-Store gebildet.\u003C\u002Fp>",{"label":188,"key":189,"type":101,"active":15,"description":190},"Anzahl kostenloser Unterkonten","free_sub_accounts","\u003Cp>Hiermit sind Konten zusätzlich zum Hauptkonto gemeint. D.h. bei 2 Konten insgesamt, hat man ein Unterkonto.\u003C\u002Fp>",{"label":192,"key":193,"type":79,"active":15,"description":194},"Zinsen auf Guthaben","daily_access_account","\u003Cp>Bei vielen Anbietern besteht die Möglichkeit, ein Tagesgeldkonto zusätzlich zum Geschäftskonto zu eröffnen, um kurzfristige Liquidität verzinst zu parken. Falls vorhanden, sieht du hier die Höhe der gebotenen Zinsen p.a. (ausgenommen Sonderaktionen). Manche Anbieter bieten Zinsen auf dem Konto oder Geldmarktzinsen an. Zinsen können sich kurzfristig ändern.\u003C\u002Fp>",{"label":196,"key":197,"type":101,"active":15},"Zusätzliche kostenlose Nutzer","user_count",{"label":199,"key":200,"type":79,"active":15},"Zugriffsrechte einstellbar","permissions_settings",{"label":202,"key":203,"type":79,"active":15,"description":204},"Cashback auf Kartenzahlungen","cashback","\u003Cp>Einige Anbieter haben ein Cashback-Programm, bei dem du Cashback auf Kartenzahlungen erhältst. Wenn möglich, siehst du hier die die Höhe des gewährten Cashbacks.\u003C\u002Fp>",{"label":206,"key":207,"type":71,"active":15,"options":208},"Schnittstellen und Anbindungen","integrations",[74],{"label":210,"key":211,"type":79,"active":15,"description":212},"Eigenes Buchhaltungstool","own_accounting_tool","\u003Cp>Manche Anbieter haben ein eigenes Buchhaltungstool, das du mit dem Geschäftskonto nutzen kannst.\u003C\u002Fp>",{"label":214,"key":215,"type":127,"active":15,"options":216},"Ident-Verfahren","ident",[168],{"label":218,"key":219,"type":79,"active":15},"Ohne Schufa-Abfrage","no_schufa",{"label":221,"key":222,"type":79,"active":15},"Kontowechselservice","account_migration_service",{"label":224,"key":225,"type":101,"active":15,"description":226},"Kontokorrentkredit","dispo_interest","\u003Cp>Der Kontokorrentkredit für das Geschäftskonto ist im Prinzip der Dispositionskredit wie beim Privatkonto. Der Zinssatz wird pro Jahr (p.a.) angegeben.\u003C\u002Fp>",{"label":228,"key":229,"type":101,"active":16},"Prämie","promotion",{"label":231,"key":232,"type":233,"active":15,"description":234},"Besondere Eigenschaften","special_features","features","\u003Cp>Zu den besonderen Eigenschaften zählen Vor- und Nachteile sowie wichtige Informationen.\u003C\u002Fp>",[236,237],{"label":25,"key":26,"sort":27,"default_sort":16},{"label":29,"key":30,"sort":31,"default_sort":15},"Bestes Geschäftskonto",{"first_name":240,"last_name":241,"avatar":242},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[244],{"item":245},{"id":246,"label":247,"url":248,"provider":249},12,"Fyrst Base","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ffyrst-base",{"label":250,"logo":251},"Fyrst ",{"id":252,"filename_download":253},"d9ea8d5a-80f2-4c59-b110-43cacfea189d","FYRST_Logo_130x35.svg",[255,385,442,499,579,661,716,774,862,923,1003,1061,1122,1205,1264,1347,1405,1470,1551,1611,1657,1722,1785,1866,1922,2002,2062,2121,2182,2237,2300,2360,2425,2496,2566,2606,2672,2731,2779,2837,2891,2955,3005,3076,3136,3197,3254,3308,3359,3426,3501,3555,3609,3659,3721,3782,3843,3899,3955,4013,4096,4199,4257,4319,4376,4451,4516,4572,4619,4679,4734],{"item":256},{"daily_access_account":16,"suitable_for_registered_merchant":16,"suitable_for_petty_trader":15,"suitable_for_ug":16,"suitable_for_gmbh":16,"own_accounting_tool":16,"permissions_settings":15,"branches":16,"cashback":15,"account_migration_service":15,"suitable_for_self_employed":15,"no_schufa":16,"suitable_for_gbr":16,"suitable_for_einzel":15,"suitable_for_kg":16,"suitable_for_gmbh_and_ug":16,"suitable_for_ohg":16,"suitable_for_ag":16,"id":103,"girocard":22,"cost_per_wire_description":22,"account_maintenance_fee_description":22,"suitable_for_gbr_description":22,"suitable_for_gmbh_and_ug_description":22,"suitable_for_businesses_description":22,"suitable_for_self_employed_description":22,"label_description":22,"app_rating_description":22,"country_description":22,"cashback_description":257,"daily_access_account_description":22,"total_costs_description":22,"suitable_for_registered_merchant_description":22,"suitable_for_petty_trader_description":22,"suitable_for_ug_description":22,"suitable_for_gmbh_description":22,"free_withdrawals_per_month_description":22,"additional_callout_description":22,"ident_method_description":22,"ident_method_value":22,"customer_support_description":22,"ident_value":22,"ident_description":22,"suitable_for_einzel_description":22,"suitable_for_kg_description":22,"suitable_for_ohg_description":22,"suitable_for_ag_description":22,"integrations_description":22,"account_migration_service_description":22,"promotion_description":22,"no_schufa_description":22,"own_accounting_tool_description":22,"permissions_settings_description":22,"user_count_description":22,"free_sub_accounts_description":258,"branches_description":22,"support_description":22,"contactless_payment_services_description":22,"dispo_interest_description":259,"cost_per_extra_card_description":260,"count_free_cards_description":22,"creditcard_description":22,"debitcard_description":22,"girocard_description":22,"cost_cash_withdrawal_description":22,"cost_cash_deposit_description":261,"card_non_eu_description":262,"cost_incoming_foreign_wire_description":263,"cost_outgoing_foreign_wire_description":264,"real_time_bankwire_description":265,"wire_limit_description":22,"count_free_bookings_description":22,"cost_per_credit_description":22,"suitable_for_businesses":266,"integrations":270,"real_time_bankwire":281,"rating":286,"support":287,"customer_support":291,"special_features":292,"free_sub_accounts":295,"suitable_for_businesses_value":22,"integrations_value":22,"promotion":22,"count_free_cards":296,"cost_per_extra_card":297,"dispo_interest":298,"user_count":295,"additional_callout":22,"free_withdrawals_per_month":299,"max_amount_free_withdrawals":22,"country":300,"status":301,"app_rating_value":302,"fixed_fee_withdrawals":303,"percentile_fee_withdrawal":22,"min_fee_withdrawal":22,"max_fee_withdrawal":22,"cost_per_wire":297,"account_maintenance_fee":304,"url":305,"label":306,"debitcard_value":297,"creditcard_value":22,"cost_cash_withdrawal":297,"girocard_value":22,"cost_cash_deposit":307,"real_time_bankwire_value":308,"cost_outgoing_foreign_wire":309,"cost_incoming_foreign_wire":310,"card_non_eu":297,"count_free_bookings":311,"wire_limit":22,"date_updated":312,"date_created":313,"cost_per_credit":297,"user_updated":314,"user_created":315,"contactless_payment_services":316,"ident_method":327,"online_banking":340,"ident":356,"provider":359,"debitcard":368,"creditcard":22,"app_rating":376},"\u003Cp>0,1%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Mit eigener IBAN"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Mit eigener IBAN\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"8,9% oberhalb des Zinssatzes für das Hauptrefinanzierungsgeschäft der EZB"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">8,9% oberhalb des Zinssatzes für das Hauptrefinanzierungsgeschäft der EZB\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Eine zusätzliche Karte kostet einmalig 10€"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Eine zusätzliche Karte kostet einmalig 10€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"1,5% Gebühr bei teilnehmenden Handelspartnern"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">1,5% Gebühr bei teilnehmenden Handelspartnern\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Umrechnung zum echten Devisenmittelkurs ohne Fremdwährungszuschlag"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Umrechnung zum echten Devisenmittelkurs ohne Fremdwährungszuschlag\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Die Höchstgebühr beträgt 100€. 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Buchungen p.M. kostenlos, danach 0,08€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Für Gewerbetreibende und Freiberufler als erstes Konto kostenlos, sonst 6€ p.M."}\" data-sheets-userformat=\"{"2":8963,"3":{"1":0},"4":{"1":2,"2":16776960},"11":3,"12":0,"16":10}\">Für Gründer im ersten Jahr kostenlos.\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Für Gewerbetreibende und Freiberufler als erstes Konto kostenlos, sonst 6€ p.M."}\" data-sheets-userformat=\"{"2":8963,"3":{"1":0},"4":{"1":2,"2":16776960},"11":3,"12":0,"16":10}\">DATEV-Schnittstelle kostet zusätzlich 5€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Das \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ffyrst-gruenderkonto-neu\" target=\"_blank\" rel=\"noopener\">Fyrst Gründerkonto\u003C\u002Fa>* bietet die gleichen Funktionen und Konditionen wie das Fyrst Complete Konto und ist für Gründer die ersten 12 Monate kostenlos.\u003C\u002Fp>","\u003Cp>über Deutsche Bank\u003C\u002Fp>","\u003Cp>Für Gründer ist das \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ffyrst-gruenderkonto-neu\" target=\"_blank\" rel=\"noopener\">Fyrst Gründerkonto*\u003C\u002Fa> mit den Leistungen wie beim Fyrst Complete kostenlos. Kombi-Angebot aus Geschäftskonto und Tagesgeldkonto: 3,5% Zinsen p.a. für 3 Monate ab dem ersten Euro, danach 0,5% p.a. variable Zinsen. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>","\u003Cp>Auf Wunsch inkl. einem weiteren Fyrst Base Girokonto ohne monatlichen Grundpreis. 6€ p.M. für jedes zusätzliche Unterkonto mit eigener IBAN. Für jedes weitere Unterkonto sind zusätzlich mtl. 50 Buchungen inklusive.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Zinssatz ist variabel"}\" data-sheets-userformat=\"{"2":8961,"3":{"1":0},"11":3,"12":0,"16":10}\">Zinssatz ist variabel\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Ab der zweiten FYRST Card (Girocard) 6€ p.a."}\" data-sheets-userformat=\"{"2":8963,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0,"16":10}\">Ab der zweiten FYRST Card (Girocard) 6€ p.a.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Postbank Mastercard Business Classic ist im 1. Jahr entgeltfrei, danach jährlich 30€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der Cash Group"}\" data-sheets-userformat=\"{"2":8961,"3":{"1":0},"11":3,"12":0,"16":10}\">Kostenlos an Geldautomaten der Cash Group\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"je angefangene 5.000€ kostet eine Bargeldeinzahlung 3€"}\" data-sheets-userformat=\"{"2":8961,"3":{"1":0},"11":3,"12":0,"16":10}\">Je angefangene 5.000€ kostet eine Bargeldeinzahlung 2,50€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"1,85% + 0,5% Währungsumrechnungsentgelt auf den Euro-Referenzwechselkurs der EZB (im EWR) oder den Wechselkurs von Visa\u002FMastercard (außerhalb des EWR)"}\" data-sheets-userformat=\"{"2":8963,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0,"16":10}\">1,85% + 0,5% Währungsumrechnungsentgelt auf den Euro-Referenzwechselkurs der EZB (im EWR) oder den Wechselkurs von Visa\u002FMastercard (außerhalb des EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Mind. 5€, max. 30€"}\" data-sheets-userformat=\"{"2":8961,"3":{"1":0},"11":3,"12":0,"16":10}\">Mind. 5€, max. 30€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Mind. 6€, max. 40€"}\" data-sheets-userformat=\"{"2":8961,"3":{"1":4,"2":"#,##0.00\\\\ [$€-1]"},"11":3,"12":0,"16":10}\">Mind. 6€, max. 40€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Für das Unterkonto sind weitere 50 Buchungen kostenlos.\u003C\u002Fp>",[1141,1142,1143,1144,1145,1146,1147],{"label":21,"value":15},{"label":269,"value":15},{"label":514,"value":15},{"label":516,"value":15},{"label":518,"value":15},{"label":520,"value":15},{"label":522,"value":15},[1149,1150,1152,1153,1154],{"label":272,"value":15},{"label":274,"value":15,"description":1151},"Kostet 5€ 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Gebühr für eine nicht aktive physische Karte1€ p.M. Gebühr für eine nicht aktive physische Karte"}\" data-sheets-userformat=\"{"2":11009,"3":{"1":0},"11":3,"12":0,"14":{"1":2,"2":0},"16":10}\">\u003Cspan data-sheets-root=\"1\">3 virtuelle Karten sind kostenlos\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>0% bis 500€, 1% von 500€ - 2.000€, 5% von 2.000€ - 5.000€, 8% ab 5.000€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">0% bis 499€, ab 500€ fallen 2% an\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Eingehende Überweisungen in Fremdwährung kosten 5€ und werden in der Fremdwährung gutgeschrieben. Wenn Auslandszahlungen in Euro eingehen, fallen 5€ + 0,4% an, wobei die prozentuale Gebühr mind. 15€ und max. 100€ beträgt.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Maximal 150€, Gebühr zur Deckung der internationalen Überweisungskosten beträgt optional 35€, wenn auch die Kosten für den Empfänger übernommen werden sollen.\u003C\u002Fspan>\u003C\u002Fp>",[1801,1802,1803,1804,1805,1806,1807,1808],{"label":21,"value":15},{"label":269,"value":15},{"label":514,"value":15},{"label":516,"value":15},{"label":518,"value":15},{"label":520,"value":15},{"label":522,"value":15},{"label":524,"value":15},[1810,1811,1812,1813,1814],{"label":272,"value":16},{"label":274,"value":15},{"label":276,"value":15},{"label":278,"value":15},{"label":531,"value":15,"description":1815},"Zapier, Finom API, Debitoor, Sorted, NetSuite, Odoo, Accountable, GetMyInvoices, Addison, FastBill, Commitly, BMD, Agenda, Billomat, BuchhaltungsButler, easybill, Sage, Zoho Books",[1817,1818],{"label":283,"value":15},{"label":285,"value":15},4.00877,[288,289],[288,289],[1823,1825],{"feature":1824,"rating":16},"Es handelt sich um keine Girokonten, sondern E-Geld-Konten. Es gilt keine gesetzliche Einlagensicherung.",{"feature":1826,"rating":15},"Ausgabenstatistik und Tool zur Rechnungsstellung ","Ein Monat kostenlos durch 30-tägige Testversion.","350€ Bonus + 5%","2.000€","NONE","10,71€","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ffinom-start","Finom Basic","5€ + 0,5%","0% - 2%","2026-07-21T08:17:54.760Z","2023-09-19T08:26:12.788Z","680ec311-ad20-447d-890d-0954d7451075",[1840,1842],{"label":318,"logo":1841},{"id":320,"filename_download":321},{"label":323,"logo":1843},{"id":325,"filename_download":326},[],[1846,1848,1850],{"label":342,"logo":1847},{"id":344,"filename_download":345},{"label":347,"logo":1849},{"id":349,"filename_download":350},{"label":352,"logo":1851},{"id":354,"filename_download":355},[1853,1855],{"label":330,"image":1854},{"id":332,"filename_download":333},{"label":336,"image":1856},{"id":338,"filename_download":339},{"label":1858,"tan_method_value":22,"tan_method_description":22,"ident_method_value":22,"ident_method_description":22,"customer_support":22,"customer_support_description":22,"app_rating_value":22,"app_rating_description":22,"branches":16,"branches_description":22,"bic":22,"app_rating":22,"logo":1859},"Finom",{"id":1860,"filename_download":1861},"05d56f17-1a77-41cf-b1a0-82702022684f","finom_Logo_130x35.svg",{"id":75,"description":22,"label":1336,"date_updated":1337,"date_created":1338,"user_created":1339,"user_updated":315,"logo":1863},{"id":1341,"filename_download":1342},{"id":377,"online_banking_id":22,"label":378,"status":301,"date_created":379,"date_updated":380,"user_updated":381,"user_created":381,"logo":1865},{"id":383,"filename_download":384},{"item":1867},{"daily_access_account":15,"suitable_for_registered_merchant":15,"suitable_for_petty_trader":15,"suitable_for_ug":15,"suitable_for_gmbh":15,"own_accounting_tool":16,"permissions_settings":16,"branches":15,"cashback":16,"account_migration_service":15,"suitable_for_self_employed":15,"no_schufa":16,"suitable_for_gbr":15,"suitable_for_einzel":15,"suitable_for_kg":15,"suitable_for_gmbh_and_ug":15,"suitable_for_ohg":15,"suitable_for_ag":16,"id":1868,"girocard":22,"cost_per_wire_description":22,"account_maintenance_fee_description":22,"suitable_for_gbr_description":22,"suitable_for_gmbh_and_ug_description":22,"suitable_for_businesses_description":22,"suitable_for_self_employed_description":22,"label_description":22,"app_rating_description":22,"country_description":22,"cashback_description":22,"daily_access_account_description":1268,"total_costs_description":22,"suitable_for_registered_merchant_description":22,"suitable_for_petty_trader_description":22,"suitable_for_ug_description":22,"suitable_for_gmbh_description":22,"free_withdrawals_per_month_description":22,"additional_callout_description":22,"ident_method_description":22,"ident_method_value":22,"customer_support_description":22,"ident_value":22,"ident_description":22,"suitable_for_einzel_description":22,"suitable_for_kg_description":22,"suitable_for_ohg_description":22,"suitable_for_ag_description":22,"integrations_description":22,"account_migration_service_description":22,"promotion_description":22,"no_schufa_description":22,"own_accounting_tool_description":22,"permissions_settings_description":22,"user_count_description":22,"free_sub_accounts_description":1269,"branches_description":22,"support_description":22,"contactless_payment_services_description":1555,"dispo_interest_description":1869,"cost_per_extra_card_description":1870,"count_free_cards_description":22,"creditcard_description":1870,"debitcard_description":1558,"girocard_description":22,"cost_cash_withdrawal_description":1274,"cost_cash_deposit_description":1275,"card_non_eu_description":1276,"cost_incoming_foreign_wire_description":1277,"cost_outgoing_foreign_wire_description":1278,"real_time_bankwire_description":22,"wire_limit_description":22,"count_free_bookings_description":22,"cost_per_credit_description":22,"suitable_for_businesses":1871,"integrations":1879,"real_time_bankwire":1885,"rating":1888,"support":1889,"customer_support":1890,"special_features":22,"free_sub_accounts":39,"suitable_for_businesses_value":22,"integrations_value":22,"promotion":22,"count_free_cards":1165,"cost_per_extra_card":1891,"dispo_interest":1892,"user_count":39,"additional_callout":22,"free_withdrawals_per_month":311,"max_amount_free_withdrawals":22,"country":300,"status":301,"app_rating_value":968,"fixed_fee_withdrawals":22,"percentile_fee_withdrawal":22,"min_fee_withdrawal":22,"max_fee_withdrawal":22,"cost_per_wire":546,"account_maintenance_fee":408,"url":22,"label":1893,"debitcard_value":297,"creditcard_value":1891,"cost_cash_withdrawal":297,"girocard_value":22,"cost_cash_deposit":297,"real_time_bankwire_value":308,"cost_outgoing_foreign_wire":1304,"cost_incoming_foreign_wire":547,"card_non_eu":1305,"count_free_bookings":39,"wire_limit":22,"date_updated":1894,"date_created":1895,"cost_per_credit":22,"user_updated":315,"user_created":555,"contactless_payment_services":1896,"ident_method":1901,"online_banking":1902,"ident":1909,"provider":1912,"debitcard":1916,"creditcard":1918,"app_rating":1920},53,"\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Unternehmen, die mind. 3 Jahre sind, können einen Kontokorrentkredit beantragen. Auf die ersten 50€ fallen keine Zinsen an."}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Unternehmen, die mind. 3 Jahre sind, können einen Kontokorrentkredit beantragen. Auf die ersten 50€ fallen keine Zinsen an.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Business-Kreditkarte Komfort kann hinzugebucht werden und kostet beim Business-Konto Plus jährlich 39€."}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Business-Kreditkarte Komfort kann hinzugebucht werden und kostet beim Business-Konto Plus jährlich 39€.\u003C\u002Fspan>\u003C\u002Fp>",[1872,1873,1874,1875,1876,1877,1878],{"label":21,"value":15},{"label":269,"value":15},{"label":514,"value":15},{"label":516,"value":15},{"label":518,"value":15},{"label":520,"value":15},{"label":522,"value":15},[1880,1881,1882,1883,1884],{"label":272,"value":15},{"label":274,"value":15},{"label":276,"value":15},{"label":278,"value":15},{"label":531,"value":15,"description":1293},[1886,1887],{"label":283,"value":15},{"label":285,"value":15},3.93491,[288,290],[290,288],"3,25€","12,33%","Targobank Business-Konto Plus","2025-12-17T07:59:32.393Z","2023-09-19T10:09:20.706Z",[1897,1899],{"label":318,"logo":1898},{"id":320,"filename_download":321},{"label":1312,"logo":1900},{"id":1314,"filename_download":1315},[],[1903,1905,1907],{"label":342,"logo":1904},{"id":344,"filename_download":345},{"label":347,"logo":1906},{"id":349,"filename_download":350},{"label":352,"logo":1908},{"id":354,"filename_download":355},[1910],{"label":330,"image":1911},{"id":332,"filename_download":333},{"label":1328,"tan_method_value":22,"tan_method_description":22,"ident_method_value":22,"ident_method_description":22,"customer_support":22,"customer_support_description":22,"app_rating_value":22,"app_rating_description":22,"branches":15,"branches_description":22,"bic":1913,"app_rating":22,"logo":1915},[1914],{"bic":1331},{"id":1333,"filename_download":1334},{"id":75,"description":22,"label":1336,"date_updated":1337,"date_created":1338,"user_created":1339,"user_updated":315,"logo":1917},{"id":1341,"filename_download":1342},{"id":75,"description":22,"label":1336,"date_updated":1337,"date_created":1338,"user_created":1339,"user_updated":315,"logo":1919},{"id":1341,"filename_download":1342},{"id":377,"online_banking_id":22,"label":378,"status":301,"date_created":379,"date_updated":380,"user_updated":381,"user_created":381,"logo":1921},{"id":383,"filename_download":384},{"item":1923},{"daily_access_account":15,"suitable_for_registered_merchant":15,"suitable_for_petty_trader":15,"suitable_for_ug":15,"suitable_for_gmbh":15,"own_accounting_tool":16,"permissions_settings":16,"branches":15,"cashback":16,"account_migration_service":15,"suitable_for_self_employed":15,"no_schufa":16,"suitable_for_gbr":15,"suitable_for_einzel":15,"suitable_for_kg":15,"suitable_for_gmbh_and_ug":15,"suitable_for_ohg":15,"suitable_for_ag":16,"id":1924,"girocard":113,"cost_per_wire_description":22,"account_maintenance_fee_description":1925,"suitable_for_gbr_description":22,"suitable_for_gmbh_and_ug_description":22,"suitable_for_businesses_description":22,"suitable_for_self_employed_description":22,"label_description":22,"app_rating_description":22,"country_description":1128,"cashback_description":22,"daily_access_account_description":444,"total_costs_description":1926,"suitable_for_registered_merchant_description":22,"suitable_for_petty_trader_description":22,"suitable_for_ug_description":22,"suitable_for_gmbh_description":22,"free_withdrawals_per_month_description":22,"additional_callout_description":1927,"ident_method_description":22,"ident_method_value":22,"customer_support_description":22,"ident_value":22,"ident_description":22,"suitable_for_einzel_description":22,"suitable_for_kg_description":22,"suitable_for_ohg_description":22,"suitable_for_ag_description":22,"integrations_description":22,"account_migration_service_description":22,"promotion_description":22,"no_schufa_description":22,"own_accounting_tool_description":22,"permissions_settings_description":22,"user_count_description":22,"free_sub_accounts_description":1928,"branches_description":22,"support_description":22,"contactless_payment_services_description":22,"dispo_interest_description":1929,"cost_per_extra_card_description":1930,"count_free_cards_description":1931,"creditcard_description":1932,"debitcard_description":1933,"girocard_description":22,"cost_cash_withdrawal_description":1934,"cost_cash_deposit_description":1935,"card_non_eu_description":1936,"cost_incoming_foreign_wire_description":1937,"cost_outgoing_foreign_wire_description":1938,"real_time_bankwire_description":22,"wire_limit_description":22,"count_free_bookings_description":22,"cost_per_credit_description":22,"suitable_for_businesses":1939,"integrations":1947,"real_time_bankwire":1954,"rating":1957,"support":1958,"customer_support":1959,"special_features":22,"free_sub_accounts":39,"suitable_for_businesses_value":22,"integrations_value":22,"promotion":1960,"count_free_cards":1165,"cost_per_extra_card":1166,"dispo_interest":1503,"user_count":39,"additional_callout":1690,"free_withdrawals_per_month":311,"max_amount_free_withdrawals":22,"country":300,"status":301,"app_rating_value":302,"fixed_fee_withdrawals":297,"percentile_fee_withdrawal":22,"min_fee_withdrawal":22,"max_fee_withdrawal":22,"cost_per_wire":1961,"account_maintenance_fee":1962,"url":1963,"label":1964,"debitcard_value":303,"creditcard_value":817,"cost_cash_withdrawal":297,"girocard_value":297,"cost_cash_deposit":1692,"real_time_bankwire_value":1965,"cost_outgoing_foreign_wire":1966,"cost_incoming_foreign_wire":1967,"card_non_eu":1175,"count_free_bookings":39,"wire_limit":22,"date_updated":1968,"date_created":1969,"cost_per_credit":22,"user_updated":315,"user_created":555,"contactless_payment_services":1970,"ident_method":1975,"online_banking":1976,"ident":1983,"provider":1988,"debitcard":1996,"creditcard":1998,"app_rating":2000},48,"\u003Cp>\u003Cspan data-sheets-root=\"1\">Bis zum 31.12.2026 keine Kontoführungsgebühr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Bis zum 31.12.2026 fallen keine Kontoführungsgebühren an.\u003C\u002Fp>","\u003Cp>Bis zum 30.09.2026 keine Kontoführungsgebühr. Kombi-Angebot aus Geschäftskonto und Tagesgeldkonto: 3,5% Zinsen p.a. für 3 Monate auf neu eingezahltes Geld, danach 0,5% p.a. variable Zinsen. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","\u003Cp>Mehrere Girokonten möglich\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Bonitätsabhängig ab 9,95%"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Bonitätsabhängig ab 9,95%\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Eine zusätzliche Girocard (Postbank Card) kostet jährlich 6€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Die Postbank Card (Maestro) gibt es kostenlos zum Konto dazu\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Postbank Mastercard Business Card Classic im ersten Jahr kostenfrei, dananach 30€ p.a.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Postbank Business Card Plus im ersten Jahr kostenfrei, dananach 24€ p.a.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">An Geldautomaten der Postbank, Cashgroup und bei teilnehmenden Einzelhändlern\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Je angefangene 5.000€"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Je angefangene 5.000€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"1,85% zzgl. 0,5% Währungsumrechnungsentgelt"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">1,85% zzgl. 0,5% Währungsumrechnungsentgelt\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Mind. 5€, max. 30€"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Min. 5€, max. 30€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Mind. 6€, max. 40€"}\" data-sheets-userformat=\"{"2":769,"3":{"1":4,"2":"#,##0.00\\\\ [$€-1]"},"11":3,"12":0}\">Min. 6€, max. 40€\u003C\u002Fspan>\u003C\u002Fp>",[1940,1941,1942,1943,1944,1945,1946],{"label":21,"value":15},{"label":269,"value":15},{"label":514,"value":15},{"label":516,"value":15},{"label":518,"value":15},{"label":520,"value":15},{"label":522,"value":15},[1948,1949,1950,1951,1952],{"label":272,"value":15},{"label":274,"value":15},{"label":276,"value":15},{"label":278,"value":15},{"label":531,"value":15,"description":1953},"u.a. 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zu 50 Transaktionen p.M., danach automatusch Tarif M. Nicht-Nutzungsgebühr in Höhe von 4,90€ p.M., wenn in den ersten 12 Monaten nach Eröffnung keine Transaktionen gebucht werden.\u003C\u002Fp>","\u003Cp dir=\"ltr\">Das Konto ist in den ersten 6 Monaten kostenlos (kein Grundpreis, keine Transaktionskosten). Für Gründer gilt das in den ersten 12 Monaten. Zudem gibt es bis zu 200€ bis zum 30.06.2026:\u003C\u002Fp>\n\u003Cul>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">50€ für die erste ausgehende Überweisung innerhalb von 30 Tagen\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">50€ für die Aktivierung und Nutzung des Rechnungsmanagers in den ersten 3 Monaten\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">50€ für mindestens 50 Transaktionen in den ersten 3 Monaten\u003C\u002Fp>\n\u003C\u002Fli>\n\u003Cli dir=\"ltr\" aria-level=\"1\">\n\u003Cp dir=\"ltr\" role=\"presentation\">50€ für mindestens 1.000€ Umsatz mit der Visa Business Debitkarte in den ersten 3 Monaten\u003C\u002Fp>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","\u003Cp>Bis zu 5 Tagesgeldkonten (Business Extra-Konten) mit eigener IBAN möglich\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Bestellung einer neuen Visa Debitkarte nach Verlust oder Diebstahl kostet 15€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">3x p.M. kostenlos, danach je Abhebung 2€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Einzahlungen bei der ReiseBank bis 25.000€ möglich. 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haben die Wahl: Privatkonto oder Geschäftskonto? \u003C\u002Fh2>",0,{},{"content":8145,"level":103,"anchor":8146},"Freiberufler haben die Wahl: Privatkonto oder Geschäftskonto?","",{"innerBlocks":8148,"name":8149,"postId":8140,"originalContent":8150,"get_parent":8151,"attributes":8152,"dynamicContent":22},[],"core\u002Fparagraph","\u003Cp>Auch bei der Wahl des Kontos zeigt sich der besondere Status eines Freiberuflers. Diese haben nämlich die Wahl, ob sie weiterhin ihr Privatkonto nutzen oder ein Geschäftskonto eröffnen möchten. Doch was bedeutet das eigentlich?\u003C\u002Fp>",{},{"content":8153,"dropCap":16,"anchor":8146},"Auch bei der Wahl des Kontos zeigt sich der besondere Status eines Freiberuflers. Diese haben nämlich die Wahl, ob sie weiterhin ihr Privatkonto nutzen oder ein Geschäftskonto eröffnen möchten. Doch was bedeutet das eigentlich?",{"innerBlocks":8155,"name":8139,"postId":8140,"originalContent":8156,"get_parent":8157,"attributes":8158,"dynamicContent":22},[],"\u003Ch3>Banken unterscheiden nur zwischen Privatkunden und Geschäftskunden\u003C\u002Fh3>",{},{"content":8159,"level":107,"anchor":8146},"Banken unterscheiden nur zwischen Privatkunden und Geschäftskunden",{"innerBlocks":8161,"name":8149,"postId":8140,"originalContent":8162,"get_parent":8163,"attributes":8164,"dynamicContent":22},[],"\u003Cp>Grundsätzlich unterteilen Banken ihre Kunden nur in zwei große Gruppen: Geschäftskunden und Privatkunden. Die Grenze wird hier in den meisten Fällen bei der Selbstständigkeit gezogen. Wenn du dich also beim Gewerbeamt selbstständig gemeldet hast, bist du aus Bankensicht eigentlich ein Geschäftskunde. Im Normalfall eröffnen Selbstständige dann ein Geschäftskonto – dazu gehören auch Freiberufler oder andere juristische Formen, wie z.B. die \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgeschaeftskonto\u002Fgbr\u002F\">GbR\u003C\u002Fa>. \u003C\u002Fp>",{},{"content":8165,"dropCap":16,"anchor":8146},"Grundsätzlich unterteilen Banken ihre Kunden nur in zwei große Gruppen: Geschäftskunden und Privatkunden. Die Grenze wird hier in den meisten Fällen bei der Selbstständigkeit gezogen. Wenn du dich also beim Gewerbeamt selbstständig gemeldet hast, bist du aus Bankensicht eigentlich ein Geschäftskunde. Im Normalfall eröffnen Selbstständige dann ein Geschäftskonto – dazu gehören auch Freiberufler oder andere juristische Formen, wie z.B. die \u003Ca href=\"\u002Fvergleich\u002Fgeschaeftskonto\u002Fgbr\u002F\" class=\"app-link\">GbR\u003C\u002Fa>.",{"innerBlocks":8167,"name":8149,"postId":8140,"originalContent":8168,"get_parent":8169,"attributes":8170,"dynamicContent":22},[],"\u003Cp>Doch grundsätzlich ist es nicht unmöglich, als Freiberufler auch weiterhin sein Privatkonto für geschäftliche Zwecke zu verwenden. Sofern du Funktionen wie das Lastschriftverfahren nicht unbedingt benötigst, bringt ein Privatkonto keinerlei Nachteile mit sich. Anders sieht das Ganze bei Kapitalgesellschaften (Z.B. GmbH oder AG) aus, bei denen ein eigenes Geschäftskonto zwingend vorgeschrieben ist. \u003C\u002Fp>",{},{"content":8171,"dropCap":16,"anchor":8146},"Doch grundsätzlich ist es nicht unmöglich, als Freiberufler auch weiterhin sein Privatkonto für geschäftliche Zwecke zu verwenden. Sofern du Funktionen wie das Lastschriftverfahren nicht unbedingt benötigst, bringt ein Privatkonto keinerlei Nachteile mit sich. Anders sieht das Ganze bei Kapitalgesellschaften (Z.B. GmbH oder AG) aus, bei denen ein eigenes Geschäftskonto zwingend vorgeschrieben ist. ",{"innerBlocks":8173,"name":8149,"postId":8140,"originalContent":8174,"get_parent":8175,"attributes":8176,"dynamicContent":22},[],"\u003Cp>Solltest Du allerdings noch kein privates Girokonto besitzen, kann es schwierig werden: Nur wenige Banken bieten spezielle Privatgirokonten für Freiberufler an. \u003C\u002Fp>",{},{"content":8177,"dropCap":16,"anchor":8146},"Solltest Du allerdings noch kein privates Girokonto besitzen, kann es schwierig werden: Nur wenige Banken bieten spezielle Privatgirokonten für Freiberufler an. ",{"innerBlocks":8179,"name":8139,"postId":8140,"originalContent":8180,"get_parent":8181,"attributes":8182,"dynamicContent":22},[],"\u003Ch2>Geschäftskonto für Freiberufler: Die Vorteile \u003C\u002Fh2>",{},{"content":8183,"level":103,"anchor":8146},"Geschäftskonto für Freiberufler: Die Vorteile ",{"innerBlocks":8185,"name":8139,"postId":8140,"originalContent":8186,"get_parent":8187,"attributes":8188,"dynamicContent":22},[],"\u003Ch3>Saubere Trennung aller Buchungen für die Buchhaltung\u003C\u002Fh3>",{},{"content":8189,"level":107,"anchor":8146},"Saubere Trennung aller Buchungen für die Buchhaltung",{"innerBlocks":8191,"name":8149,"postId":8140,"originalContent":8192,"get_parent":8193,"attributes":8194,"dynamicContent":22},[],"\u003Cp>Auch als Freiberufler musst du jedes Jahr eine Einkommensteuererklärung mit Einnahmen-Überschussrechnung abgeben, in der die Einnahmen und Ausgaben genau aufgeführt werden. Hier zeigt sich der Wert eines separaten Geschäftskontos besonders deutlich: Die geschäftlichen Buchungen erfolgen auf diesem Weg getrennt von den privaten Ein- und Auszahlungen, da diese weiterhin über das Privatkonto laufen. So ist es später ganz einfach, alle steuerlich relevanten Ein- und Ausgaben zu erfassen und in der Buchhaltung zu dokumentieren. \u003C\u002Fp>",{},{"content":8195,"dropCap":16,"anchor":8146},"Auch als Freiberufler musst du jedes Jahr eine Einkommensteuererklärung mit Einnahmen-Überschussrechnung abgeben, in der die Einnahmen und Ausgaben genau aufgeführt werden. Hier zeigt sich der Wert eines separaten Geschäftskontos besonders deutlich: Die geschäftlichen Buchungen erfolgen auf diesem Weg getrennt von den privaten Ein- und Auszahlungen, da diese weiterhin über das Privatkonto laufen. So ist es später ganz einfach, alle steuerlich relevanten Ein- und Ausgaben zu erfassen und in der Buchhaltung zu dokumentieren. ",{"innerBlocks":8197,"name":8139,"postId":8140,"originalContent":8198,"get_parent":8199,"attributes":8200,"dynamicContent":22},[],"\u003Ch3>Bessere Finanzplanung möglich\u003C\u002Fh3>",{},{"content":8201,"level":107,"anchor":8146},"Bessere Finanzplanung möglich",{"innerBlocks":8203,"name":8149,"postId":8140,"originalContent":8204,"get_parent":8205,"attributes":8206,"dynamicContent":22},[],"\u003Cp>Auch für die persönliche Finanzplanung spielt die Trennung von Geschäfts- und Privatkonto eine wichtige Rolle. Sind alle Buchungen auf einem Konto gemischt, verlierst du schnell den Überblick darüber, wie viel Geld für private Zwecke zur freien Verfügung steht. Mit separaten Konten kannst du hingegen jeden Monat einen festen Betrag auf dein Privatkonto überweisen und erlebst keine bösen finanziellen Überraschungen.\u003C\u002Fp>",{},{"content":8207,"dropCap":16,"anchor":8146},"Auch für die persönliche Finanzplanung spielt die Trennung von Geschäfts- und Privatkonto eine wichtige Rolle. Sind alle Buchungen auf einem Konto gemischt, verlierst du schnell den Überblick darüber, wie viel Geld für private Zwecke zur freien Verfügung steht. Mit separaten Konten kannst du hingegen jeden Monat einen festen Betrag auf dein Privatkonto überweisen und erlebst keine bösen finanziellen Überraschungen.",{"innerBlocks":8209,"name":8139,"postId":8140,"originalContent":8210,"get_parent":8211,"attributes":8212,"dynamicContent":22},[],"\u003Ch3>Besserer Stand bei Banken\u003C\u002Fh3>",{},{"content":8213,"level":107,"anchor":8146},"Besserer Stand bei Banken",{"innerBlocks":8215,"name":8149,"postId":8140,"originalContent":8216,"get_parent":8217,"attributes":8218,"dynamicContent":22},[],"\u003Cp>Banken verbieten die Nutzung eines Privatkontos für geschäftliche Zwecke zwar nicht explizit, sehen dies aber trotzdem nicht gern. Gerade bei einer erhöhten Anzahl an geschäftlichen Buchungen drängen Banken auch Freiberufler häufig zu einem Geschäftskonto. Dies liegt vorwiegend an der Tatsache, dass sie für Geschäftskonten höhere Gebühren verlangen können. Im Gegenzug bedeutet das aber auch, dass Freiberufler mit einem eigenen Geschäftskonto einen besseren Stand bei der jeweiligen Bank aufweisen. Dies kann sich auch bei einer etwaigen Kreditaufnahme positiv auswirken, weil Banker im Normalfall den Businessplan genau unter die Lupe nehmen. Ein eigenes Geschäftskonto für Freiberufler unterstreicht dabei, wie wichtig dir dein Geschäft ist.\u003C\u002Fp>",{},{"content":8219,"dropCap":16,"anchor":8146},"Banken verbieten die Nutzung eines Privatkontos für geschäftliche Zwecke zwar nicht explizit, sehen dies aber trotzdem nicht gern. Gerade bei einer erhöhten Anzahl an geschäftlichen Buchungen drängen Banken auch Freiberufler häufig zu einem Geschäftskonto. Dies liegt vorwiegend an der Tatsache, dass sie für Geschäftskonten höhere Gebühren verlangen können. Im Gegenzug bedeutet das aber auch, dass Freiberufler mit einem eigenen Geschäftskonto einen besseren Stand bei der jeweiligen Bank aufweisen. Dies kann sich auch bei einer etwaigen Kreditaufnahme positiv auswirken, weil Banker im Normalfall den Businessplan genau unter die Lupe nehmen. Ein eigenes Geschäftskonto für Freiberufler unterstreicht dabei, wie wichtig dir dein Geschäft ist.",{"innerBlocks":8221,"name":8139,"postId":8140,"originalContent":8222,"get_parent":8223,"attributes":8224,"dynamicContent":22},[],"\u003Ch2>Die Nutzung eines Privatkontos als günstigere Option\u003C\u002Fh2>",{},{"content":8225,"level":103,"anchor":8146},"Die Nutzung eines Privatkontos als günstigere Option",{"innerBlocks":8227,"name":8149,"postId":8140,"originalContent":8228,"get_parent":8229,"attributes":8230,"dynamicContent":22},[],"\u003Cp>Der einzige wirkliche Nachteil eines Geschäftskontos liegt darin, dass die Konditionen von Privatkonten meistens attraktiver ausfallen. So werden gerade bei Onlinebanken zahlreiche Girokonten angeboten, die keine allgemeinen Kontoführungsgebühren mit sich bringen. Auch die weiteren Kosten fallen bei Firmenkosten oft anders aus:\u003C\u002Fp>",{},{"content":8231,"dropCap":16,"anchor":8146},"Der einzige wirkliche Nachteil eines Geschäftskontos liegt darin, dass die Konditionen von Privatkonten meistens attraktiver ausfallen. So werden gerade bei Onlinebanken zahlreiche Girokonten angeboten, die keine allgemeinen Kontoführungsgebühren mit sich bringen. Auch die weiteren Kosten fallen bei Firmenkosten oft anders aus:",{"innerBlocks":8233,"name":8234,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8235,"attributes":8236},[],"acf\u002Fdisclaimer-card",{},{"name":8234,"data":8237},{"disclaimer_card_content":8238,"disclaimer_card_headline":8239},"\u003Col class=\"block-editor-rich-text__editable editor-rich-text__editable\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" data-is-placeholder-visible=\"false\" aria-label=\"Schreibe eine Liste…\" aria-autocomplete=\"list\">\r\n \t\u003Cli>Höhere Gebühren beleghafte und beleglose Buchungen (je nach Kontomodell)\u003C\u002Fli>\r\n \t\u003Cli>EC-Karte nicht immer kostenfrei (je nach Kontomodell)\u003C\u002Fli>\r\n \t\u003Cli>Gebühren für Kreditkarten\u003C\u002Fli>\r\n\u003C\u002Fol>","Anmerkung",{"innerBlocks":8241,"name":8149,"postId":8140,"originalContent":8242,"get_parent":8243,"attributes":8244,"dynamicContent":22},[],"\u003Cp>Wahlweise kannst du als Freiberufler natürlich auch einfach ein zweites getrenntes privates Girokonto für deine geschäftlichen Buchungen nutzen. Somit lassen sich nahezu alle obigen Vorteile eines Geschäftskontos ebenso in Anspruch nehmen. Hierbei solltest du allerdings im Vorfeld darauf achten, dass das jeweilige Girokonto auch Freiberufler einschließt. Im Normalfall sind solche Konten eher rar.\u003C\u002Fp>",{},{"content":8245,"dropCap":16,"anchor":8146},"Wahlweise kannst du als Freiberufler natürlich auch einfach ein zweites getrenntes privates Girokonto für deine geschäftlichen Buchungen nutzen. Somit lassen sich nahezu alle obigen Vorteile eines Geschäftskontos ebenso in Anspruch nehmen. Hierbei solltest du allerdings im Vorfeld darauf achten, dass das jeweilige Girokonto auch Freiberufler einschließt. Im Normalfall sind solche Konten eher rar.",{"innerBlocks":8247,"name":8139,"postId":8140,"originalContent":8248,"get_parent":8249,"attributes":8250,"dynamicContent":22},[],"\u003Ch2>Girokonten für Freiberufler im Vergleich zum klassischen Firmenkonto\u003C\u002Fh2>",{},{"content":8251,"level":103,"anchor":8146},"Girokonten für Freiberufler im Vergleich zum klassischen Firmenkonto",{"innerBlocks":8253,"name":8149,"postId":8140,"originalContent":8254,"get_parent":8255,"attributes":8256,"dynamicContent":22},[],"\u003Cp>Für Freiberufler ist ein klassisches Firmenkonto mit seinem Funktionsumfang im Normalfall nicht notwendig. Darüber hinaus weisen spezielle Girokonten für Freiberufler im Gegensatz zu Firmenkonten einige Vorteile auf:\u003C\u002Fp>",{},{"content":8257,"dropCap":16,"anchor":8146},"Für Freiberufler ist ein klassisches Firmenkonto mit seinem Funktionsumfang im Normalfall nicht notwendig. Darüber hinaus weisen spezielle Girokonten für Freiberufler im Gegensatz zu Firmenkonten einige Vorteile auf:",{"innerBlocks":8259,"name":8260,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8261,"attributes":8262},[],"acf\u002Ficon-list",{},{"name":8260,"data":8263},{"icon_list_0_icon_list_description":8264,"icon_list_0_icon_list_icon":8265,"icon_list_1_icon_list_description":8266,"icon_list_1_icon_list_icon":8265,"icon_list_2_icon_list_description":8267,"icon_list_2_icon_list_icon":8265,"icon_list":107},"Kostenfreie Kontoführung ist je nach gewähltem Anbieter möglich","yes","Auch Buchungen bringen keinerlei Zusatzgebühren mit sich","Kostenfreie EC-Karte",{"innerBlocks":8269,"name":8149,"postId":8140,"originalContent":8270,"get_parent":8271,"attributes":8272,"dynamicContent":22},[],"\u003Cp>Zusätzlich ist es bei einem Girokonto für Freiberufler in vielen Fällen auch möglich, direkt nach der Kontoeröffnung einen Dispokredit in geringer Höhe zu erhalten. Dieser lässt sich auf Antrag je nach persönlicher Bonität später noch erhöhen.\u003C\u002Fp>",{},{"content":8273,"dropCap":16,"anchor":8146},"Zusätzlich ist es bei einem Girokonto für Freiberufler in vielen Fällen auch möglich, direkt nach der Kontoeröffnung einen Dispokredit in geringer Höhe zu erhalten. Dieser lässt sich auf Antrag je nach persönlicher Bonität später noch erhöhen.",{"innerBlocks":8275,"name":8139,"postId":8140,"originalContent":8276,"get_parent":8277,"attributes":8278,"dynamicContent":22},[],"\u003Ch2>Girokonto für Freiberufler bei Onlinebanken – ja oder nein?\u003C\u002Fh2>",{},{"content":8279,"level":103,"anchor":8146},"Girokonto für Freiberufler bei Onlinebanken – ja oder nein?",{"innerBlocks":8281,"name":8149,"postId":8140,"originalContent":8282,"get_parent":8283,"attributes":8284,"dynamicContent":22},[],"\u003Cp>Onlinebanken bieten auch im Bereich der Girokonten für Freiberufler besonders attraktive Konditionen. Im Normalfall liegen die Gebühren deutlich niedriger und es werden nicht selten attraktive Zusatzleistungen geboten. Dazu können sowohl Rabatt- und Bonusprogramme als auch kostenfreie Kreditkarten mit attraktiven Leistungsmerkmalen gehören.\u003C\u002Fp>",{},{"content":8285,"dropCap":16,"anchor":8146},"Onlinebanken bieten auch im Bereich der Girokonten für Freiberufler besonders attraktive Konditionen. Im Normalfall liegen die Gebühren deutlich niedriger und es werden nicht selten attraktive Zusatzleistungen geboten. Dazu können sowohl Rabatt- und Bonusprogramme als auch kostenfreie Kreditkarten mit attraktiven Leistungsmerkmalen gehören.",{"innerBlocks":8287,"name":8139,"postId":8140,"originalContent":8288,"get_parent":8289,"attributes":8290,"dynamicContent":22},[],"\u003Ch3>Regelmäßige Bareinzahlungen können ein Problem darstellen\u003C\u002Fh3>",{},{"content":8291,"level":107,"anchor":8146},"Regelmäßige Bareinzahlungen können ein Problem darstellen",{"innerBlocks":8293,"name":8149,"postId":8140,"originalContent":8294,"get_parent":8295,"attributes":8296,"dynamicContent":22},[],"\u003Cp>Wenn du als Freiberufler regelmäßig Barzahlungen von Kunden erhältst, kommt ein Onlinekonto schnell an seine Grenzen. Oft weisen die Onlinebanken kein eigenes Filialnetz auf. Somit wird es deutlich schwieriger, die Bareinnahmen regelmäßig auf das eigene Konto einzuzahlen. Filialbanken bieten diesen Service entweder über die klassischen Bankschalter oder über Geldautomaten mit Einzahlungsfunktion. Bei Onlinebanken sind die Wege umständlicher und häufig auch kostenintensiver:\u003C\u002Fp>",{},{"content":8297,"dropCap":16,"anchor":8146},"Wenn du als Freiberufler regelmäßig Barzahlungen von Kunden erhältst, kommt ein Onlinekonto schnell an seine Grenzen. Oft weisen die Onlinebanken kein eigenes Filialnetz auf. Somit wird es deutlich schwieriger, die Bareinnahmen regelmäßig auf das eigene Konto einzuzahlen. Filialbanken bieten diesen Service entweder über die klassischen Bankschalter oder über Geldautomaten mit Einzahlungsfunktion. Bei Onlinebanken sind die Wege umständlicher und häufig auch kostenintensiver:",{"innerBlocks":8299,"name":8260,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8300,"attributes":8301},[],{},{"name":8260,"data":8302},{"icon_list_0_icon_list_description":8303,"icon_list_0_icon_list_icon":8304,"icon_list_1_icon_list_description":8305,"icon_list_1_icon_list_icon":8304,"icon_list_2_icon_list_description":8306,"icon_list_2_icon_list_icon":8304,"icon_list":107},"Einzahlung bei einer kooperierenden Filialbank (häufig nicht kostenfrei)","no","Einzahlung an einer Supermarktkasse (nur geringe Summen kostenfrei)","Abholservice (häufig deutliche Gebühren)",{"innerBlocks":8308,"name":8139,"postId":8140,"originalContent":8309,"get_parent":8310,"attributes":8311,"dynamicContent":22},[],"\u003Ch3>Bei Förderkredit-Bedarf sind Onlinekonten komplizierter\u003C\u002Fh3>",{},{"content":8312,"level":107,"anchor":8146},"Bei Förderkredit-Bedarf sind Onlinekonten komplizierter",{"innerBlocks":8314,"name":8149,"postId":8140,"originalContent":8315,"get_parent":8316,"attributes":8317,"dynamicContent":22},[],"\u003Cp>Solltest du dich für einen Förderkredit interessieren, wird es bei einer Onlinebank ebenfalls schwierig. Normalerweise werden solche Darlehen über die eigene Bank im persönlichen Gespräch mit dem Bankberater beantragt. Fehlt das Filialnetz, ist auch ein solches Gespräch nicht möglich. Es gibt zwar vereinzelt Onlinebanken, die sich auf Förderkredite spezialisiert haben und dann eine Auszahlung auf das Online-Girokonto veranlassen, dennoch ist die Auswahl hier nicht allzu groß. Wenn du auf Nummer sicher gehen möchtest, ist in diesem Fall eine Filialbank für dein Geschäftskonto die bessere Wahl.\u003C\u002Fp>",{},{"content":8318,"dropCap":16,"anchor":8146},"Solltest du dich für einen Förderkredit interessieren, wird es bei einer Onlinebank ebenfalls schwierig. Normalerweise werden solche Darlehen über die eigene Bank im persönlichen Gespräch mit dem Bankberater beantragt. Fehlt das Filialnetz, ist auch ein solches Gespräch nicht möglich. Es gibt zwar vereinzelt Onlinebanken, die sich auf Förderkredite spezialisiert haben und dann eine Auszahlung auf das Online-Girokonto veranlassen, dennoch ist die Auswahl hier nicht allzu groß. Wenn du auf Nummer sicher gehen möchtest, ist in diesem Fall eine Filialbank für dein Geschäftskonto die bessere Wahl.",{"innerBlocks":8320,"name":8139,"postId":8140,"originalContent":8321,"get_parent":8322,"attributes":8323,"dynamicContent":22},[],"\u003Ch2>Das sollte bei der Auswahl eines Geschäftskontos beachtet werden\u003C\u002Fh2>",{},{"content":8324,"level":103,"anchor":8146},"Das sollte bei der Auswahl eines Geschäftskontos beachtet werden",{"innerBlocks":8326,"name":8149,"postId":8140,"originalContent":8327,"get_parent":8328,"attributes":8329,"dynamicContent":22},[],"\u003Cp>Wenn du dich grundsätzlich für ein Geschäftskonto interessierst, stehen vorher folgende Überlegungen an:\u003C\u002Fp>",{},{"content":8330,"dropCap":16,"anchor":8146},"Wenn du dich grundsätzlich für ein Geschäftskonto interessierst, stehen vorher folgende Überlegungen an:",{"innerBlocks":8332,"name":8139,"postId":8140,"originalContent":8333,"get_parent":8334,"attributes":8335,"dynamicContent":22},[],"\u003Ch3>Für welche Unternehmensart möchte ich ein Geschäftskonto eröffnen?\u003C\u002Fh3>",{},{"content":8336,"level":107,"anchor":8146},"Für welche Unternehmensart möchte ich ein Geschäftskonto eröffnen?",{"innerBlocks":8338,"name":8149,"postId":8140,"originalContent":8339,"get_parent":8340,"attributes":8341,"dynamicContent":22},[],"\u003Cp>Hast du einen Gewerbebetrieb angemeldet oder eine Kapitalgesellschaft gegründet, kommt nur ein klassisches Firmenkonto infrage. Kapitalgesellschaften benötigen als eigenständige juristische Personen ein separates Konto und auch Selbstständige mit einem Gewerbe werden ab einer gewissen Zahl an Buchungen nicht mehr darum herumkommen. \u003C\u002Fp>",{},{"content":8342,"dropCap":16,"anchor":8146},"Hast du einen Gewerbebetrieb angemeldet oder eine Kapitalgesellschaft gegründet, kommt nur ein klassisches Firmenkonto infrage. Kapitalgesellschaften benötigen als eigenständige juristische Personen ein separates Konto und auch Selbstständige mit einem Gewerbe werden ab einer gewissen Zahl an Buchungen nicht mehr darum herumkommen. ",{"innerBlocks":8344,"name":8149,"postId":8140,"originalContent":8345,"get_parent":8346,"attributes":8347,"dynamicContent":22},[],"\u003Cp>Als Freiberufler hast du hingegen die Qual der Wahl. Das Gleiche gilt für \u003Ca href=\"\u002Fvergleich\u002Fgeschaeftskonto\u002Fgmbh-ug\u002F\">GmbHs\u003C\u002Fa> oder \u003Ca href=\"\u002Fvergleich\u002Fgeschaeftskonto\u002Fgbr\u002F\">GbRs\u003C\u002Fa>. Allerdings empfiehlt sich auch hier in jedem Fall, ein separates Konto anzulegen. Hierbei muss es allerdings kein klassisches Geschäftskonto sein, da zumindest vereinzelt auch Girokonten für Freiberufler zur Verfügung gestellt werden. Diese sind oft günstiger.\u003C\u002Fp>",{},{"content":8348,"dropCap":16,"anchor":8146},"Als Freiberufler hast du hingegen die Qual der Wahl. Das Gleiche gilt für \u003Ca href=\"\u002Fvergleich\u002Fgeschaeftskonto\u002Fgmbh-ug\u002F\" class=\"app-link\">GmbHs\u003C\u002Fa> oder \u003Ca href=\"\u002Fvergleich\u002Fgeschaeftskonto\u002Fgbr\u002F\" class=\"app-link\">GbRs\u003C\u002Fa>. Allerdings empfiehlt sich auch hier in jedem Fall, ein separates Konto anzulegen. Hierbei muss es allerdings kein klassisches Geschäftskonto sein, da zumindest vereinzelt auch Girokonten für Freiberufler zur Verfügung gestellt werden. Diese sind oft günstiger.",{"innerBlocks":8350,"name":8139,"postId":8140,"originalContent":8351,"get_parent":8352,"attributes":8353,"dynamicContent":22},[],"\u003Ch3>Ist ein kostenloses Geschäftskonto das Richtige oder bietet mir ein Konto mit Grundgebühr mehr Leistung?\u003C\u002Fh3>",{},{"content":8354,"level":107,"anchor":8146},"Ist ein kostenloses Geschäftskonto das Richtige oder bietet mir ein Konto mit Grundgebühr mehr Leistung?",{"innerBlocks":8356,"name":8149,"postId":8140,"originalContent":8357,"get_parent":8358,"attributes":8359,"dynamicContent":22},[],"\u003Cp>Während Privatkonten für Freiberufler mitunter eine kostenlose Kontoführung zur Verfügung stellen, bringen Firmenkonten Gebühren mit sich. Dafür kannst du aber mitunter auch von deutlich umfangreicheren Leistungen profitieren:\u003C\u002Fp>",{},{"content":8360,"dropCap":16,"anchor":8146},"Während Privatkonten für Freiberufler mitunter eine kostenlose Kontoführung zur Verfügung stellen, bringen Firmenkonten Gebühren mit sich. Dafür kannst du aber mitunter auch von deutlich umfangreicheren Leistungen profitieren:",{"innerBlocks":8362,"name":8234,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8363,"attributes":8364},[],{},{"name":8234,"data":8365},{"disclaimer_card_content":8366,"disclaimer_card_headline":8239},"\u003Col class=\"block-editor-rich-text__editable editor-rich-text__editable\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" data-is-placeholder-visible=\"false\" aria-label=\"Schreibe eine Liste…\" aria-autocomplete=\"list\">\r\n \t\u003Cli>Schnittstellen zu klassischen Buchhaltungsprogrammen\u003C\u002Fli>\r\n \t\u003Cli>Spezielle Online-Bezahlverfahren für die eigenen Kunden\u003C\u002Fli>\r\n \t\u003Cli>Kontokorrentkredit\u003C\u002Fli>\r\n \t\u003Cli>Rechnungssoftware inklusive\u003C\u002Fli>\r\n \t\u003Cli>Einrichtung von Lastschriftverfahren\u003C\u002Fli>\r\n\u003C\u002Fol>",{"innerBlocks":8368,"name":8149,"postId":8140,"originalContent":8369,"get_parent":8370,"attributes":8371,"dynamicContent":22},[],"\u003Cp>In diesem Zusammenhang solltest du genau prüfen, was benötigt wird und ob sich die höheren Gebühren für die gebotenen Leistungen wirklich lohnen.\u003C\u002Fp>",{},{"content":8372,"dropCap":16,"anchor":8146},"In diesem Zusammenhang solltest du genau prüfen, was benötigt wird und ob sich die höheren Gebühren für die gebotenen Leistungen wirklich lohnen.",{"innerBlocks":8374,"name":8139,"postId":8140,"originalContent":8375,"get_parent":8376,"attributes":8377,"dynamicContent":22},[],"\u003Ch3>Wie hoch sind die Kosten für beleglose und beleghafte Buchungen?\u003C\u002Fh3>",{},{"content":8378,"level":107,"anchor":8146},"Wie hoch sind die Kosten für beleglose und beleghafte Buchungen?",{"innerBlocks":8380,"name":8149,"postId":8140,"originalContent":8381,"get_parent":8382,"attributes":8383,"dynamicContent":22},[],"\u003Cp>Grundsätzlich bringen beleghafte Buchungen höhere Kosten mit sich, weil sie eine händische Aktion seitens der Bank erfordern. Schließlich müssen die Bankmitarbeiter den eingesendeten Beleg selbst eingeben und die Buchung veranlassen. Bei einer beleglosen Buchung übernimmst du als Kontoinhaber diese Arbeit selbst, was die Kosten deutlich senkt.\u003C\u002Fp>",{},{"content":8384,"dropCap":16,"anchor":8146},"Grundsätzlich bringen beleghafte Buchungen höhere Kosten mit sich, weil sie eine händische Aktion seitens der Bank erfordern. Schließlich müssen die Bankmitarbeiter den eingesendeten Beleg selbst eingeben und die Buchung veranlassen. Bei einer beleglosen Buchung übernimmst du als Kontoinhaber diese Arbeit selbst, was die Kosten deutlich senkt.",{"innerBlocks":8386,"name":8149,"postId":8140,"originalContent":8387,"get_parent":8388,"attributes":8389,"dynamicContent":22},[],"\u003Cp>Trotzdem gibt es nach Bank und gewähltem Kontomodell sehr unterschiedliche Gebührenstrukturen. Nicht selten stimmen die Banken ihre Konten auf spezielle Zielgruppen ab. Dabei variieren die Grundgebühr, die Gebühren pro beleglose und die Kosten pro beleghafter Buchung. Grundsätzlich ist es sinnvoll, dabei folgende Zusammenhänge zu beachten:\u003C\u002Fp>",{},{"content":8390,"dropCap":16,"anchor":8146},"Trotzdem gibt es nach Bank und gewähltem Kontomodell sehr unterschiedliche Gebührenstrukturen. Nicht selten stimmen die Banken ihre Konten auf spezielle Zielgruppen ab. Dabei variieren die Grundgebühr, die Gebühren pro beleglose und die Kosten pro beleghafter Buchung. Grundsätzlich ist es sinnvoll, dabei folgende Zusammenhänge zu beachten:",{"innerBlocks":8392,"name":8393,"postId":8140,"originalContent":8394,"get_parent":8395,"attributes":8396,"dynamicContent":22},[],"core\u002Ftable","\u003Cfigure class=\"wp-block-table\">\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cstrong>Buchungsaufkommen\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Empfohlenes Kontomodell\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Niedrig\u003C\u002Ftd>\u003Ctd>Ein Geschäftskonto mit sehr niedriger Grundgebühr bei moderat höheren Gebühren pro Buchung.\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Hoch\u003C\u002Ftd>\u003Ctd>Ein Geschäftskonto mit moderat höherer Grundgebühr bei sehr niedrigen Kosten pro Buchung (im Optimalfall keine Kosten pro Buchung). \u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Ffigure>",{},{"hasFixedLayout":16,"caption":8146,"head":8397,"body":8398,"foot":8418,"anchor":8146},[],[8399,8406,8412],{"cells":8400},[8401,8404],{"content":8402,"tag":8403,"scope":8146,"align":8146},"\u003Cstrong>Buchungsaufkommen\u003C\u002Fstrong>","td",{"content":8405,"tag":8403,"scope":8146,"align":8146},"\u003Cstrong>Empfohlenes Kontomodell\u003C\u002Fstrong>",{"cells":8407},[8408,8410],{"content":8409,"tag":8403,"scope":8146,"align":8146},"Niedrig",{"content":8411,"tag":8403,"scope":8146,"align":8146},"Ein Geschäftskonto mit sehr niedriger Grundgebühr bei moderat höheren Gebühren pro Buchung.",{"cells":8413},[8414,8416],{"content":8415,"tag":8403,"scope":8146,"align":8146},"Hoch",{"content":8417,"tag":8403,"scope":8146,"align":8146},"Ein Geschäftskonto mit moderat höherer Grundgebühr bei sehr niedrigen Kosten pro Buchung (im Optimalfall keine Kosten pro Buchung).",[],{"innerBlocks":8420,"name":8139,"postId":8140,"originalContent":8421,"get_parent":8422,"attributes":8423,"dynamicContent":22},[],"\u003Ch3>Benötige ich Bargeldeinzahlungen oder genügt ein Konto bei einer reinen Onlinebank?\u003C\u002Fh3>",{},{"content":8424,"level":107,"anchor":8146},"Benötige ich Bargeldeinzahlungen oder genügt ein Konto bei einer reinen Onlinebank?",{"innerBlocks":8426,"name":8149,"postId":8140,"originalContent":8427,"get_parent":8428,"attributes":8429,"dynamicContent":22},[],"\u003Cp>Sollte dein Geschäft regelmäßige Bareinnahmen beinhalten, erweist sich ein Onlinekonto definitiv als eine schwierige Wahl. In diesem Fall ist es wichtig, sich vorher über die Möglichkeiten von Bareinzahlungen und die entsprechenden Gebühren zu informieren. Fallen diese zu hoch aus, ist ein Geschäftskonto für Freiberufler bei einer Filialbank eventuell die bessere Alternative.\u003C\u002Fp>",{},{"content":8430,"dropCap":16,"anchor":8146},"Sollte dein Geschäft regelmäßige Bareinnahmen beinhalten, erweist sich ein Onlinekonto definitiv als eine schwierige Wahl. In diesem Fall ist es wichtig, sich vorher über die Möglichkeiten von Bareinzahlungen und die entsprechenden Gebühren zu informieren. Fallen diese zu hoch aus, ist ein Geschäftskonto für Freiberufler bei einer Filialbank eventuell die bessere Alternative.",{"innerBlocks":8432,"name":8139,"postId":8140,"originalContent":8433,"get_parent":8434,"attributes":8435,"dynamicContent":22},[],"\u003Ch3>Vergibt die Bank Dispokredite? Wenn ja, unter welchen Bedingungen?\u003C\u002Fh3>",{},{"content":8436,"level":107,"anchor":8146},"Vergibt die Bank Dispokredite? Wenn ja, unter welchen Bedingungen?",{"innerBlocks":8438,"name":8149,"postId":8140,"originalContent":8439,"get_parent":8440,"attributes":8441,"dynamicContent":22},[],"\u003Cp>Finanzielle Engpässe können gerade als Freiberufler oder Selbstständiger immer wieder auftreten. Ein Dispokredit ermöglicht in einem solchen Fall, die Durststrecke bequem zu überbrücken. Deshalb ist es sinnvoll, vorher zu ermitteln, ob und unter welchen Umständen eine Bank Dispokredite vergibt. \u003C\u002Fp>",{},{"content":8442,"dropCap":16,"anchor":8146},"Finanzielle Engpässe können gerade als Freiberufler oder Selbstständiger immer wieder auftreten. Ein Dispokredit ermöglicht in einem solchen Fall, die Durststrecke bequem zu überbrücken. Deshalb ist es sinnvoll, vorher zu ermitteln, ob und unter welchen Umständen eine Bank Dispokredite vergibt. ",{"innerBlocks":8444,"name":8149,"postId":8140,"originalContent":8445,"get_parent":8446,"attributes":8447,"dynamicContent":22},[],"\u003Cp>Die meisten Konten werden mit der Option auf einen Dispokredit angeboten. Gerade Girokonten für Freiberufler eröffnen sogar die Chance, gleich nach der Eröffnung einen kleinen Disporahmen zu nutzen. Je nach Bank können die Anforderungen gerade bei Freiberuflern und Selbstständigen jedoch stark variieren. Gängige Bedingungen sind beispielsweise:\u003C\u002Fp>",{},{"content":8448,"dropCap":16,"anchor":8146},"Die meisten Konten werden mit der Option auf einen Dispokredit angeboten. Gerade Girokonten für Freiberufler eröffnen sogar die Chance, gleich nach der Eröffnung einen kleinen Disporahmen zu nutzen. Je nach Bank können die Anforderungen gerade bei Freiberuflern und Selbstständigen jedoch stark variieren. Gängige Bedingungen sind beispielsweise:",{"innerBlocks":8450,"name":8451,"postId":8140,"originalContent":8452,"get_parent":8453,"attributes":8454,"dynamicContent":22},[],"core\u002Flist","\u003Cul>\u003Cli>Die Selbstständigkeit besteht schon für einen gewissen Zeitraum (1–3 Jahre)\u003C\u002Fli>\u003Cli>Geschäftsunterlagen weisen ein gewisses Einkommen nach\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":16,"values":8455,"anchor":8146},"\u003Cli>Die Selbstständigkeit besteht schon für einen gewissen Zeitraum (1–3 Jahre)\u003C\u002Fli>\u003Cli>Geschäftsunterlagen weisen ein gewisses Einkommen nach\u003C\u002Fli>",{"innerBlocks":8457,"name":8458,"postId":8140,"originalContent":8459,"get_parent":8460,"attributes":8461,"dynamicContent":22},[],"core\u002Fhtml","\u003Ciframe width=\"560\" height=\"315\" src=\"https:\u002F\u002Fwww.youtube.com\u002Fembed\u002Fg1l49RvGoJU\" frameborder=\"0\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\">\u003C\u002Fiframe>",{},{"content":8146},{"innerBlocks":8463,"name":8149,"postId":8140,"originalContent":8464,"get_parent":8465,"attributes":8466,"dynamicContent":22},[],"\u003Cp>In diesem Video haben wir euch einige wichtige Tipps für Unternehmer und Selbstständige zusammengestellt. \u003C\u002Fp>",{},{"content":8467,"dropCap":16,"anchor":8146},"In diesem Video haben wir euch einige wichtige Tipps für Unternehmer und Selbstständige zusammengestellt.",{"innerBlocks":8469,"name":8139,"postId":8140,"originalContent":8470,"get_parent":8471,"attributes":8472,"dynamicContent":22},[],"\u003Ch2>Fazit: Geschäftskonto für Freiberufler\u003C\u002Fh2>",{},{"content":8473,"level":103,"anchor":8146},"Fazit: Geschäftskonto für Freiberufler",{"innerBlocks":8475,"name":8149,"postId":8140,"originalContent":8476,"get_parent":8477,"attributes":8478,"dynamicContent":22},[],"\u003Cp>Abschließend kann festgehalten werden, dass ein Geschäftskonto für Freiberufler sehr sinnvoll ist. Allein die Trennung der geschäftlichen und privaten Buchungsvorgänge stellt eine enorme Erleichterung bei der Buchhaltung und persönlichen Finanzplanung dar. Doch bei der Wahl des Geschäftskontos stehen gerade Freiberuflern viele Optionen zur Verfügung. Soll es ein echtes Firmenkonto oder doch ein Girokonto für Freiberufler sein? Letztlich solltest du hier vorher genau deinen Bedarf planen und darauf basierend eine Entscheidung treffen. Wenn du Sonderleistungen wie Schnittstellen zu Buchhaltungssoftware, spezielle Online-Bezahlverfahren für Kunden oder auch die Einrichtung von Lastschriftverfahren nicht benötigst, reicht im Normalfall ein normales Girokonto für Freiberufler.\u003C\u002Fp>",{},{"content":8479,"dropCap":16,"anchor":8146},"Abschließend kann festgehalten werden, dass ein Geschäftskonto für Freiberufler sehr sinnvoll ist. Allein die Trennung der geschäftlichen und privaten Buchungsvorgänge stellt eine enorme Erleichterung bei der Buchhaltung und persönlichen Finanzplanung dar. Doch bei der Wahl des Geschäftskontos stehen gerade Freiberuflern viele Optionen zur Verfügung. Soll es ein echtes Firmenkonto oder doch ein Girokonto für Freiberufler sein? Letztlich solltest du hier vorher genau deinen Bedarf planen und darauf basierend eine Entscheidung treffen. Wenn du Sonderleistungen wie Schnittstellen zu Buchhaltungssoftware, spezielle Online-Bezahlverfahren für Kunden oder auch die Einrichtung von Lastschriftverfahren nicht benötigst, reicht im Normalfall ein normales Girokonto für Freiberufler.",{"innerBlocks":8481,"name":8139,"postId":8140,"originalContent":8482,"get_parent":8483,"attributes":8484,"dynamicContent":22},[],"\u003Ch3>Weitere Geschäftskonten im Test\u003C\u002Fh3>",{},{"content":8485,"level":107,"anchor":8146},"Weitere Geschäftskonten im Test",{"innerBlocks":8487,"name":8488,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8489,"attributes":8490},[],"acf\u002Fbox-other-topic",{},{"name":8488,"data":8491},{"box_other_topic_description":8492},"\u003Cul>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fcomdirect\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Comdirect Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fconsorsbank\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Consorsbank Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fdeutsche-bank\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Deutsche Bank Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Ffyrst\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Fyrst Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fholvi\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Holvi Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fkontist\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Kontist Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fn26\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">N26 Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fpostbank\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Postbank Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli style=\"font-weight: 400;\">\u003Ca href=\"\u002Fgeschaeftskonto\u002Fqonto\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Qonto Geschäftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003Cdiv id=\"gtx-trans\" style=\"position: absolute; left: -3px; top: 109.021px;\">\r\n\u003Cdiv class=\"gtx-trans-icon\">\u003C\u002Fdiv>\r\n\u003C\u002Fdiv>",{"innerBlocks":8494,"name":8139,"postId":8140,"originalContent":8495,"get_parent":8496,"attributes":8497,"dynamicContent":22},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":8498,"level":103,"anchor":8146},"Häufig gestellte Fragen",{"innerBlocks":8500,"name":8501,"postId":8140,"originalContent":8146,"saveContent":8146,"get_parent":8502,"attributes":8503},[],"acf\u002Faccordion",{},{"name":8501,"data":8504},{"accordion_0_accordion_headline":8505,"accordion_0_accordion_description":8506,"accordion_1_accordion_headline":8507,"accordion_1_accordion_description":8508,"accordion_2_accordion_headline":8509,"accordion_2_accordion_description":8510,"accordion":107},"Muss ich als Freiberufler ein Geschäftskonto haben? ","Nein. Es ist nicht gesetzlich vorgeschrieben, als Freiberufler ein geschäftliches Konto zu eröffnen. Es ist jedoch ratsam, private und berufliche Einnahmen und Ausgaben zu trennen.","Wann muss ich ein Geschäftskonto haben?","Gewerbebetriebe oder Kapitalgesellschaften benötigen als eigenständige juristische Personen ein separates Konto. Bei Freiberuflern oder Selbstständigen ist es nicht zwingend erforderlich, ein Geschäftskonto zu eröffnen.","Kann man ein normales Girokonto als Geschäftskonto nutzen?","Wenn du freiberuflich tätig bist, kannst du dein Girokonto auch geschäftlich nutzen. Um deine privaten und beruflichen Finanzen zu trennen, solltest du jedoch ein weiteres Konto eröffnen. Dabei ist es aber unerheblich, ob es sich um ein Girokonto oder ein Geschäftskonto handelt.",[8512,8515,8518],{"title":8513,"link":8514},"Vergleich","\u002Fvergleich\u002F",{"title":8516,"link":8517},"Geschäftskonto","\u002Fvergleich\u002Fgeschaeftskonto\u002F",{"title":21,"link":8146},"cG9zdDozMDc0ODQ1",{"__typename":8521,"metaDesc":8522,"opengraphType":8523,"opengraphTitle":8524,"opengraphSiteName":8525,"opengraphImage":22,"metaRobotsNoindex":8526,"metaRobotsNofollow":8527,"opengraphDescription":8522,"opengraphModifiedTime":8528,"opengraphPublishedTime":8146,"twitterTitle":8146,"twitterDescription":8146,"title":8524,"readingTime":8529},"PostTypeSEO","Du bist Freelancer oder Selbständig? Wir haben über 45 Geschäftskonten verglichen, um dir die Wahl zu erleichtern. Finde jetzt das Geschäftskonto, das zu dir passt!","article","Freiberufler Geschäftskonto: Präziser Vergleich und Angebot finden","Finanzfluss","index","follow","2026-03-11T13:24:24+00:00",8,"Geschäftskonto für Freiberufler & Selbstständige","\u002Fvergleich\u002Fgeschaeftskonto\u002Ffreiberufler\u002F","sub-comparison",1784640736983]