[{"data":1,"prerenderedAt":4241},["ShallowReactive",2],{"comparison-girokonto-gemeinschaftskonto":3},{"directusData":4,"page":3556,"uri":4239,"type":4240},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":15,"show_filter":15,"show_layout_toggle":16,"default_parameters":17,"default_filter_parameters":30,"items_filter":31,"custom_table_columns":35,"table_sort":219,"disclaimer":226,"selected_alt_product_name":30,"parent_awards":227,"award_highlight":228,"tags":30,"award_1_label":229,"award_2_label":230,"award_3_label":231,"comparison":232,"user_created":400,"award_1_item":406,"award_2_item":411,"award_3_item":420,"items":431,"table_columns":3494,"product_selection_title":238},78,"gemeinschaftskonto","Gemeinschaftskonto","\u003Ch2>Die besten gemeinsamen Konten (07\u002F2026)\u003C\u002Fh2>\n\u003Cp>In unserem Gemeinschaftskonto-Vergleich kannst du aus über 40 verschiedenen Angeboten an Partnerkonten und Shared-Spaces das beste Konto für dich und deinen Partner oder deine Freunde auswählen. Anhand verschiedener Kriterien wie Kontoführungsgebühr, Bankkarten und Leistungen kannst du verschiedene Partnerkonten miteinander vergleichen, ein passendes Konto finden und gleich eröffnen.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"key":12,"value":13,"icon":14,"label":12},"Befragte Personen","1.193","users",true,false,[18,22,26],{"title":19,"key":20,"value":21},"Geldeingang p.M.","monthlyDeposit","1000",{"title":23,"key":24,"value":25},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":27,"key":28,"value":29},"Abhebungen p.M.","monthlyWithdrawalCount","4",null,[32],{"key":33,"filter":34},"joint_account_possible","notempty",[36,39,43,47,52,58,61,65,73,77,81,84,89,93,97,102,108,114,119,122,125,128,132,135,138,141,145,148,151,157,160,163,166,171,175,179,184,189,194,197,201,205,209,212,216],{"key":37,"type":37,"active":15,"label":38,"filterable":16},"provider","Anbieter",{"key":40,"type":41,"active":15,"label":42,"filterable":16},"label","product","Konto",{"key":44,"type":45,"active":15,"label":46,"custom_cta":30,"custom_cta_no_affiliate":30},"url","cta","Angebot",{"label":48,"key":49,"type":50,"active":15,"description":51},"Gesamtkosten","total_costs","text","\u003Cp>Für die Gesamtkosten berechnen wir die Kontoführungsgebühr und die Kosten für Abhebungen am Geldautomaten. Bei der Kontoführungsgebühr wird der Geldeingang berücksichtigt, weitere Faktoren wie das Alter, Ausbildungszeit oder Nutzung eines Depots fließen nicht ein. Die Kosten für die Abhebungen werden für die günstigste Karte berechnet. Dafür wird der durchschnittliche Abhebebetrag pro Monat gleichmäßig auf die einzelnen Abhebungen verteilt.\u003C\u002Fp>",{"key":53,"type":53,"active":16,"description":54,"label":55,"options":56,"sort_options":57,"sortable":16},"rating","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fspan>\u003C\u002Fp>","Girokonto-Test",[],[],{"label":59,"key":60,"type":53,"active":15},"Gemeinschaftskonto-Test","rating_joint_account",{"key":62,"type":50,"active":15,"label":63,"mobile_rank":64},"account_maintenance_fee","Kontoführungsgebühr (p.M.)",1,{"label":66,"key":67,"type":68,"options":69,"active":16,"mobile_rank":30},"Art des Gemeinschaftskontos (alt)","joint_account_type","image",[70,71,72],"transparent","image-description-tooltip","force-description",{"label":74,"key":75,"type":76,"active":15},"Art des Gemeinschaftskontos","joint_account_type_chips","chips",{"label":78,"key":79,"type":50,"active":15,"mobile_rank":80},"Eigenschaften beim Gemeinschaftskonto","joint_accounts_card_count",2,{"label":7,"key":33,"type":82,"active":16,"description":83},"check","\u003Cp>Es handelt sich entweder um ein echtes Gemeinschaftskonto oder um einen Shared Space. Nur bei einem echten Gemeinschaftskonto haben beide Kontoinhaber die gleichen Rechte. Wenn es ein Shared Space ist, erkennst du das am Info-Icon neben dem grünen Haken. Hier erfährst du auch die maximale Teilnehmerzahl für den Shared Space. \u003C\u002Fp>",{"key":85,"type":68,"active":15,"label":86,"options":87,"mobile_rank":30},"girocard","Girocard",[88],"icons-filled",{"key":90,"type":68,"active":15,"label":91,"options":92,"mobile_rank":30},"debitcard","Debitkarte",[88],{"key":94,"type":68,"active":15,"label":95,"options":96,"mobile_rank":30},"creditcard","Kreditkarte",[88],{"key":98,"type":68,"active":15,"label":99,"options":100},"contactless_payment_services","Mobile Bezahldienste",[101],"disable-tooltip",{"key":103,"type":82,"active":15,"label":104,"description":105,"options":106,"mobile_rank":107},"deposit_money","Geld einzahlen","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Unter Geld einzahlen verstehen wir, dass Bargeld ab 100€ überregional eingezahlt werden kann. Zudem werden nur Möglichkeiten zum Einzahlen angezeigt, die mit der günstigsten Bankkarte funktionieren.\u003C\u002Fspan>\u003C\u002Fp>",[88],3,{"key":109,"type":110,"active":15,"value":30,"field":111,"label":112,"description":113,"mobile_rank":30},"atm_network","atmnetwork","atm_networks_id.machines_count","Anzahl Geldautomaten","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Ein Geldautomatenverbund ist ein Zusammenschluss von Banken, um den Kunden möglichst viele Geldautomaten anzubieten. Angezeigt wird in unserem Vergleich die Anzahl der Geldautomaten, die man mit den kostenlos enthaltenen Bankkarten nutzen kann. Falls weder die Girocard noch die Debit- oder Kreditkarte kostenlos ist, wird davon die günstigste Karte gewählt.\u003C\u002Fspan>\u003C\u002Fp>",{"key":115,"type":50,"active":15,"label":116,"description":117,"mobile_rank":118},"free_withdrawals_per_month","Anzahl kostenloser Abhebungen p.M.","\u003Cp>Bei manchen Konten gibt es einen Mindestbetrag, den man pro Vorgang abheben muss. Wenn dieser Betrag größer als 50€ ist, zeigen wir diesen per Tooltip an. Beachte zudem, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat. Achte daher darauf, ob der Geldautomat zusätzliche Gebühren auf dem Display anzeigt.\u003C\u002Fp>",4,{"label":120,"key":121,"type":82,"active":16},"Bargeld im Handel","cash_in_retail",{"key":123,"type":50,"active":15,"label":124},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":126,"type":50,"active":16,"label":127},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":129,"type":50,"active":15,"label":130,"description":131},"fee_withdrawal_non_euro_countries","Gebühr für Abhebung im Nicht-Euro-Ausland","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Im Nicht-Euro-Ausland können Gebühren für das Abheben und den Währungstausch anfallen. Für die Fremdwährung fällt meist eine Fremdwährungsgebühr an. Teilweise gibt es einen zusätzlichen Aufschlag auf den echten Wechselkurs. Häufig wird beim Wechselkurs zwischen dem Europäischen Wirtschaftsraum (EWR) und der Region außerhalb (Nicht-EWR) unterschieden. Kreditkartengesellschaften, wie Visa oder Mastercard, erheben häufig einen Aufschlag auf den echten Wechselkurs. Teilweise verlangen Banken zudem einen Aufschlag auf den Wechselkurs der Kreditkartengesellschaft.\u003C\u002Fspan>\u003C\u002Fp>",{"key":133,"type":50,"active":16,"label":134},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":136,"type":50,"active":15,"label":137},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":139,"type":50,"active":16,"label":140},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":142,"type":50,"active":15,"label":143,"description":144},"fee_payment_non_euro_countries","Gebühr für Zahlung im Nicht-Euro-Ausland","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie beim Abheben entstehen bei Zahlungen im Nicht-Euro-Ausland üblicherweise Kosten für den Währungstausch. Die Gebühren äußern sich in der Fremdwährungsgebühr oder in Aufschlägen auf den Wechselkurs.\u003C\u002Fspan>\u003C\u002Fp>",{"key":146,"type":50,"active":16,"label":147},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":149,"key":150,"type":82,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":152,"label":153,"type":154,"active":16,"description":155,"options":156},"real_time_bankwire","Echtzeitüberweisung","multicheck","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit einer Echtzeitüberweisung kann jederzeit (auch an Sonn- und Feiertagen) Geld innerhalb von maximal 20 Sekunden überwiesen werden. Im Vergleich geben wir an, ob das Senden und Empfangen von Echtzeitüberweisungen möglich ist und wie viel das Senden kostet.\u003C\u002Fspan>\u003C\u002Fp>",[88],{"label":158,"key":159,"type":82,"active":15},"Zinsen auf dem Girokonto","giro_interest",{"key":161,"type":50,"active":15,"label":162},"overdraft_interest","Dispozins",{"key":164,"type":50,"active":16,"label":165},"custody_fee","Verwahrentgelt",{"key":167,"type":168,"active":15,"label":169,"description":170},"customer_support","icons","Telefon-\u002FChat-Support","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Telefon- und Chat-Support bezieht sich auf den allgemeinen Kundenservice. Daher zählt etwa eine telefonische Sperrhotline nicht.\u003C\u002Fspan>\u003C\u002Fp>",{"key":172,"type":82,"active":15,"label":173,"options":174},"branches","Filialen",[],{"key":176,"type":68,"active":15,"options":177,"label":178},"online_banking",[70],"Online-Banking",{"label":180,"key":181,"type":68,"active":15,"options":182,"description":183},"App-Bewertung","app_rating",[70],"\u003Cp>Für die App-Bewertung haben wir den Durchschnitt von den Bewertungen im Apple- und Google-Store gebildet. Bei mehreren Apps wurde jeweils die zuerst angezeigte App verwendet (TAN-Apps ausgenommen).\u003C\u002Fp>",{"label":185,"key":186,"type":68,"active":15,"options":187,"description":188},"Ident-Verfahren","ident_method",[70],"\u003Cp>Bei der Eröffnung des Girokontos wird deine Identität per Ident-Verfahren überprüft. Typisch sind E-, Video- und Post-Ident. Bei E-Ident wird die Online-Ausweisfunktion des Personalausweises genutzt.\u003C\u002Fp>",{"label":190,"key":191,"type":68,"active":15,"options":192,"description":193},"TAN-Verfahren","tan_method",[70],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. In diesem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Fonline-banking-sicherheit\u002F\" target=\"_blank\" rel=\"noopener\">Ratgeber\u003C\u002Fa> erfährst du mehr über die verschiedenen TAN-Verfahren.\u003C\u002Fp>",{"key":195,"type":50,"active":16,"label":196},"free_sub_accounts","Anzahl kostenloser Unterkonten",{"key":198,"type":82,"active":16,"label":199,"options":200},"depot","Kostenloses Depot",[88],{"key":202,"type":82,"active":15,"label":203,"options":204},"account_switching_service","Kontowechsel-Service",[88],{"key":206,"type":207,"active":16,"label":208},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":210,"label":211,"type":207,"active":16},"fee_information","Entgeltinformation",{"key":213,"type":214,"active":15,"label":215,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},"special_features","features","Besondere Eigenschaften",{"key":217,"type":50,"active":16,"label":218},"starting_premium","Startprämie",[220,223],{"label":221,"key":60,"sort":222,"default_sort":15},"Testnote","desc",{"label":224,"key":49,"sort":225,"default_sort":16},"Gesamtkosten p.M.","asc","\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, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\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 data-pm-slice=\"1 1 []\">*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 class=\"ProsemirrorEditor-link\" href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[],"0","Bestes Partner-Konto","75€ + 0,50% Bonus","200€ Bonus",{"title":233,"slug":234,"date_updated":235,"factsheet":236,"product_selection_title":238,"default_parameters":239,"table_columns":243,"table_sort":340,"disclaimer":226,"award_1_label":343,"award_2_label":344,"award_3_label":345,"award_4_label":346,"user_created":347,"award_1_item":351,"award_2_item":362,"award_3_item":373,"award_4_item":383},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[237],{"key":12,"value":13,"icon":14,"label":12},"Deine Girokonto Auswahl",[240,241,242],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[244,245,246,247,248,252,254,257,260,263,265,268,269,270,273,274,277,279,282,283,284,287,288,289,291,295,296,300,302,303,304,306,308,310,314,318,320,323,325,327,328,333,334,335,336,337],{"key":37,"type":37,"active":15,"label":38,"filterable":16},{"key":40,"type":41,"active":15,"label":42,"filterable":16},{"key":44,"type":45,"active":15,"label":46,"custom_cta":30,"custom_cta_no_affiliate":30},{"label":224,"key":49,"type":50,"active":15,"description":51},{"key":53,"type":53,"active":15,"description":249,"label":55,"options":250,"sort_options":251,"sortable":16},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Hier sind \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa>.\u003C\u002Fspan>\u003C\u002Fp>",[],[],{"key":62,"type":50,"active":15,"label":253,"mobile_rank":64},"Kontoführungsgebühr p.M.",{"key":85,"type":68,"active":15,"label":255,"options":256,"mobile_rank":107},"Girocard p.M.",[88],{"key":90,"type":68,"active":15,"label":258,"options":259,"mobile_rank":118},"Debitkarte p.M.",[88],{"key":94,"type":68,"active":15,"label":261,"options":262,"mobile_rank":30},"Kreditkarte p.M.",[88],{"key":98,"type":68,"active":15,"label":99,"options":264},[101],{"key":115,"type":50,"active":15,"label":266,"description":267},"Anzahl kostenloser Abhebungen im Monat","\u003Cp>Beachte, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat.\u003C\u002Fp>",{"key":123,"type":50,"active":15,"label":124},{"key":126,"type":50,"active":16,"label":127},{"key":129,"type":50,"active":15,"label":271,"description":272},"Gebühr für Abhebung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Im Nicht-Euro-Ausland können Gebühren für das Abheben und den Währungstausch anfallen.\u003C\u002Fspan>\u003C\u002Fp>",{"key":133,"type":50,"active":16,"label":134},{"key":103,"type":82,"active":15,"label":104,"description":275,"options":276},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Unter Geld einzahlen verstehen wir, dass Bargeld ab 100€ überregional an einer Vielzahl von Stellen eingezahlt werden kann. Zudem werden nur Möglichkeiten zum Einzahlen angezeigt, die mit der günstigsten Bankkarte funktionieren.\u003C\u002Fspan>\u003C\u002Fp>",[88],{"key":109,"type":110,"active":15,"value":30,"field":111,"label":112,"description":278,"mobile_rank":80},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Ein Geldautomatenverbund ist ein Zusammenschluss von Banken, um den Kunden möglichst viele Geldautomaten anzubieten. Angezeigt wird in unserem Vergleich die Anzahl der Geldautomaten, die man mit der günstigsten enthaltenen Bankkarten nutzen kann.\u003C\u002Fspan>\u003C\u002Fp>",{"label":280,"key":121,"type":82,"active":15,"description":281},"Bargeld im Handel abheben","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":136,"type":50,"active":15,"label":137},{"key":139,"type":50,"active":16,"label":140},{"key":142,"type":50,"active":15,"label":285,"description":286},"Gebühr für Zahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie beim Abheben entstehen bei Zahlungen im Nicht-Euro-Ausland üblicherweise Kosten für den Währungstausch.\u003C\u002Fspan>\u003C\u002Fp>",{"key":146,"type":50,"active":16,"label":147},{"label":149,"key":150,"type":82,"active":15},{"key":152,"label":153,"type":154,"active":16,"description":155,"options":290},[88],{"label":292,"key":293,"type":82,"active":15,"description":294},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":158,"key":159,"type":82,"active":15},{"label":297,"key":298,"type":82,"active":15,"description":299},"Kostenloses Tagesgeld mit Zinsen","free_daily_account_interests","\u003Cp>Die genauen Konditionen der Tagesgeldkonten findest du in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Ftagesgeld\u002F\" target=\"_blank\" rel=\"noopener\">Tagesgeld-Vergleich\u003C\u002Fa>. Kostenlose Unterkonten wie Pockets oder Spaces, auf denen es Zinsen gibt, zeigen wir ebenfalls an.\u003C\u002Fp>",{"key":195,"type":50,"active":15,"label":196,"description":301},"\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":164,"type":50,"active":16,"label":165},{"key":167,"type":168,"active":15,"label":169,"description":170},{"key":172,"type":82,"active":15,"label":173,"options":305},[],{"key":176,"type":68,"active":15,"options":307,"label":178},[70],{"label":180,"key":181,"type":68,"active":16,"options":309,"description":183},[70],{"label":311,"key":312,"type":68,"active":15,"options":313},"App-Bewertung (iOS)","app_rating_ios",[70],{"label":315,"key":316,"type":68,"active":15,"options":317},"App-Bewertung (Android)","app_rating_android",[70],{"label":185,"key":186,"type":68,"active":15,"options":319,"description":188},[70],{"label":190,"key":191,"type":68,"active":15,"options":321,"description":322},[70],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":198,"type":82,"active":15,"label":199,"options":324},[88],{"key":202,"type":82,"active":15,"label":203,"options":326},[88],{"key":161,"type":50,"active":15,"label":162},{"label":329,"key":330,"type":331,"active":15,"description":332},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":206,"type":207,"active":16,"label":208},{"key":210,"label":211,"type":207,"active":16},{"key":213,"type":214,"active":15,"label":215,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},{"key":217,"type":50,"active":16,"label":218},{"label":338,"key":339,"type":82,"active":16},"Kostenlos für Studenten","is_free_for_students",[341,342],{"label":224,"key":49,"sort":225,"default_sort":16},{"label":221,"key":53,"sort":222,"default_sort":15},"Bestes Girokonto","40€ 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direkt mit Bonitätsvoraussetzung kostenlos, ohne Bonitätsvoraussetzung kostet die Karte 1€ p.M.\u003C\u002Fp>","\u003Cp>Norisbank Top-Zinskonto\u003C\u002Fp>","\u003Cp>Girokarten\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Das Top-Girokonto ist kostenlos, wenn du unter 30 Jahre bist oder ab 500€ Geldeingang pro Monat hast. Abhebungen unter 50€ kosten 2,50€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Nicht berücksichtigt in der Gesamtkosten-Berechnung: Personen unter 30 Jahren zahlen grundsätzlich keine Kontoführungsgebühr.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Neukunden schließen mit dem Top-Girokonto in einem Schritt ebenfalls ein kostenloses Top-Zinskonto (Tagesgeldkonto) ab und ziehen bis zum 30.11.2026 über den Online-Kontowechselservice mind. 3 Zahlungspartner um. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>\n\u003Cp>Nicht möglich im Gemeinschaftskonto\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 40%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 72%\u003C\u002Fp>\n\u003Cp>🔴 Gender Equality: 38%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 56%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 65%\u003C\u002Fp>\n\u003Cp>🟡 Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 17%\u003C\u002Fp>","Neukunden schließen mit dem Top-Girokonto in einem Schritt ebenfalls ein kostenloses Top-Zinskonto (Tagesgeldkonto) ab und ziehen bis zum 30.11.2026 über den Online-Kontowechselservice mind. 3 Zahlungspartner um. 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mit V PAY (Sparkassen-Card)\u003C\u002Fp>","\u003Cp>Bis 100.000€ (gesetzlich, freiwillig unbegrenzt) über die Institutssicherung der Sparkassen, Landesbanken und Landesbausparkassen (auch Haftungsverbund der Sparkassen-Finanzgruppe genannt).\u003C\u002Fp>","\u003Cp>1822direkt Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Kostenlose Kontoführung für alle ab monatlich 700€ Geldeingang oder Kontoinhaber:in unter 30 Jahre\u003C\u002Fp>","\u003Cp>150€ Girokonto-Prämie: Du erhältst die Prämie, wenn du bis zum 29.07.2026 ein GiroDirekt-Konto beantragst und es bis zum 12.08.2026 eröffnest. Zusätzlich müssen bis zum 30.11.2026 in drei aufeinanderfolgenden Kalendermonaten jeweils mindestens 1.000€ eingehen.\u003C\u002Fp>\n\u003Cp>+50€ Zusatzprämie: Schließt du zusätzlich eine Kreditkarte ab, erhältst du 50€ extra. Die Karten sind im ersten Jahr kostenlos, danach kosten sie mindestens 3€ monatlich.\u003C\u002Fp>\n\u003Cp>Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","150€ Girokonto-Prämie: Du erhältst die Prämie, wenn du bis zum 29.07.2026 ein GiroDirekt-Konto beantragst und es bis zum 12.08.2026 eröffnest. Zusätzlich müssen bis zum 30.11.2026 in drei aufeinanderfolgenden Kalendermonaten jeweils mindestens 1.000€ eingehen.\n\n+50€ Zusatzprämie: Schließt du zusätzlich eine Kreditkarte ab, erhältst du 50€ extra. Die Karten sind im ersten Jahr kostenlos, danach kosten sie mindestens 3€ monatlich.\n\nWeitere Konditionen auf der Seite des Anbieters.","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn min. 700€ Geldeingang p.M. oder Kontoinhaber:in unter 30 Jahre, sonst 4,90€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>mit der Sparkassen-Card\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>","\u003Cp>mit der Sparkassen-Card; Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den etwa 22.000 Sparkassen-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>Nur bei der Frankfurter Sparkasse (kostenlos) möglich.\u003C\u002Fp>","\u003Cp>Jährlich 36€\u003C\u002Fp>",[454],[1779,1780],{"label":457,"value":15},{"label":459,"value":15},[461],[461],3.6744,"6€","3€","9,65%","2,25% (min. 1,50€)","2,25€","bis zu 200€ 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Girocard Debit-Mastercard ist gleichzeitig eine Debitkarte.\u003C\u002Fp>","\u003Cp>Girocard Debit-Mastercard (Die Girocard ist gleichzeitig eine Mastercard-Debitkarte)\u003C\u002Fp>","\u003Cp>Bis 100.000€ (gesetzlich, freiwillig unbegrenzt) über die BVR Institutssicherung GmbH (Sicherungseinrichtung des Bundesverbandes der Deutschen Volksbanken und Raiffeisenbanken).\u003C\u002Fp>","\u003Cp>Berliner Volksbank Tagesgeld\u003C\u002Fp>","\u003Cp>Girocard (gleichzeitig Debitkarte)\u003C\u002Fp>","\u003Cp>Filialen nur im Raum Berlin\u003C\u002Fp>","\u003Cp>Bei Eröffnung bis 15.09.2026: 200€ Bonus für Neukunden (keine Kundenverbindung in den letzten 24 Monaten) über 18. Voraussetzung: Ab dem 2. Monat nach der Kontoeröffnung muss für 5 Monate lang mindestens ein monatlicher Geldeingang in Höhe von 700€ erfolgen. Innerhalb der ersten 4 Wochen muss die Zustimmung zur Kommunikation per Telefon und E-Mail erteilt werden. Weitere Konditionen auf der Website des Anbieters. Das Berliner Volksbank Girokonto lässt sich als \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fberliner-volksbank-gemeinschaftskonto\" target=\"_blank\" rel=\"noopener\">Gemeinschaftskonto*\u003C\u002Fa> eröffnen.\u003C\u002Fp>","Bei Eröffnung bis 30.06.2026: 200€ Bonus für Neukunden (keine Kundenverbindung in den letzten 24 Monaten) über 18. Voraussetzung: Ab dem 2. Monat nach der Kontoeröffnung muss für 5 Monate lang mindestens ein monatlicher Geldeingang in Höhe von 700€ erfolgen. Innerhalb der ersten 4 Wochen muss die Zustimmung zur Kommunikation per Telefon und E-Mail erteilt werden. Weitere Konditionen auf der Website des Anbieters. Das Berliner Volksbank Girokonto lässt sich als Gemeinschaftskonto eröffnen.","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit Girocard\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Abhebegebühr 1% (min. 7,50€) zzgl. Fremdwährungsgebühr in Höhe von 1,8%. Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten und eigenen Volksbank-Automaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenlos an Volksbank-Automaten\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Eine Kreditkarte ist im Kontomodell inklusive. Jede weitere Kreditkarte kostet 30€ jährlich.\u003C\u002Fspan>\u003C\u002Fp>",[454],[1869,1870],{"label":457,"value":15},{"label":459,"value":15},[461,462],[461,462],3.62007,"7,50€","3,95€","11,954%","1,8% ","1,80€","https:\u002F\u002Fwww.berliner-volksbank.de\u002Fservice\u002Fpflichtinformationen\u002Fentgeltinformationen.html","200€","1% (min. 7,50€)","Berliner Volksbank Girokonto","2026-06-19T07:28:58.302Z","2023-09-06T09:30:57.839Z","1% (mind. 7,50€) + 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Insgesamt über 3200 Geldautomaten. \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenlose Bargeldeinzahlung nur am Schalter möglich\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">mit girocard V Pay\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Unbegrenzt viele Unterkonten(Spaces)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Visa oder Mastercard ClassicCard für jeweils 34,95€ p.a.\u003C\u002Fspan>\u003C\u002Fp>",[454],[2428,2429],{"label":457,"value":15},{"label":459,"value":15},[461,462,1225],[],3.22582,"3,50€","2,91€","1,66€","1,25€","2,95€","9,90%","1% (min. 0,77€)","Bis 150€ Bonus"," 4,7 \u002F 5","Bis zu 150€","1% (min. 3,50€)","0 kostenlose Karten","BBBank Girokonto","2026-06-09T10:02:51.961Z","2024-11-26T18:10:42.004Z","1% (min. 4,27€)","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fbbbank-girokonto",[2451,2453,2455],{"label":490,"logo":2452},{"id":492,"filename_download":493},{"label":495,"logo":2454},{"id":497,"filename_download":498},{"label":500,"logo":2456},{"id":502,"filename_download":503},[2458,2460,2462],{"label":506,"logo":2459},{"id":508,"filename_download":509},{"label":1899,"logo":2461},{"id":1901,"filename_download":1902},{"label":637,"logo":2463},{"id":639,"filename_download":640},[2465],{"atm_networks_id":2466},{"label":742,"machines_count":743},[2468,2470],{"label":522,"image":2469},{"id":524,"filename_download":525},{"label":527,"image":2471},{"id":529,"filename_download":530},[2473,2475,2477],{"label":657,"image":2474},{"id":659,"filename_download":660},{"label":1180,"image":2476},{"id":1182,"filename_download":1183},{"label":533,"image":2478},{"id":535,"filename_download":536},[2480],{"chips_id":2481},{"text":540,"text_color":541,"border_color":30,"background_color":30,"icon":30,"description":542},{"label":2483,"tan_method_value":30,"tan_method_description":30,"ident_method_value":30,"ident_method_description":30,"customer_support":30,"customer_support_description":30,"app_rating_value":30,"app_rating_description":30,"branches":15,"branches_description":30,"bic":2484,"app_rating":30,"logo":2487},"BBBank",[2485],{"bic":2486},"GENODE61BBB",{"id":2488,"filename_download":2489},"7167dc15-ef7f-47a5-ac5d-685d1849b204","bb-bank-logo-wide.svg",{"id":118,"description":30,"label":86,"date_updated":554,"date_created":555,"user_created":556,"user_updated":557,"logo":2491},{"id":559,"filename_download":560},{"id":64,"description":30,"label":677,"date_updated":678,"date_created":679,"user_created":556,"user_updated":487,"logo":2493},{"id":681,"filename_download":682},{"id":64,"description":30,"label":677,"date_updated":678,"date_created":679,"user_created":556,"user_updated":487,"logo":2495},{"id":681,"filename_download":682},{"id":570,"online_banking_id":30,"label":571,"status":482,"date_created":572,"date_updated":573,"user_updated":574,"user_created":574,"logo":2497},{"id":576,"filename_download":577},{"item":2499},{"free_daily_account_interests":15,"wero":16,"without_schufa":16,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":15,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":2500,"free_sub_accounts":30,"card_preview":2501,"cash_limit_per_day":30,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":64,"app_rating_android":80,"debitcard_description":2502,"girocard_description":2503,"deposit_protection_description":437,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":2504,"button_info_description":30,"joint_accounts_card_count_description":2505,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":2506,"branches_value":30,"depot_value":30,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":30,"cash_in_retail_description":30,"free_wire_description":30,"app_rating_description":30,"sustainability_score_description":2507,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":2508,"fee_withdrawal_euro_countries_description":2509,"fee_withdrawal_non_euro_countries_description":2510,"fee_payment_euro_countries_description":2511,"fee_payment_non_euro_countries_description":1772,"free_withdrawals_per_month_description":2512,"fee_withdrawal_100_euro_countries_description":2513,"fee_payment_100_euro_countries_description":2511,"deposit_money_description":2514,"fee_payment_100_non_euro_countries_description":1772,"fee_withdrawal_100_non_euro_countries_description":2515,"label_description":30,"depot_description":30,"free_sub_accounts_description":30,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":30,"contactless_payment_services_description":30,"creditcard_description":30,"country":2516,"real_time_bankwire":2517,"customer_support":2520,"account_type":30,"child_account_conditions":30,"support":2521,"special_features":30,"student_rating":30,"rating_joint_account":2522,"rating":2522,"bank_sustainability_rating":2523,"rating_without_schufa":30,"fee_payment_euro_countries":468,"fee_withdrawal_100_euro_countries":2524,"fee_payment_100_euro_countries":468,"custody_fee":30,"creditcard_value":2436,"debitcard_value":468,"girocard_value":711,"account_maintenance_fee":1305,"overdraft_interest":2525,"fee_payment_non_euro_countries":1433,"fee_paym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Card\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">girocard (Debitkarte) für 12€ im Jahr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan class=\"Yjhzub\">HVB FlexSparen\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>UniCredit Card (Mastercard-Debitkarte) und HVB ServiceCard\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Vorteilsprogramm valyou: Bronze Status 7,43€\u002FMonat, Silber Status 4,95€\u002FMonat, Gold Status 0€\u002FMonat\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 39%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 63%\u003C\u002Fp>\n\u003Cp>🟡 Gender Equality: 60%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 53%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 64%\u003C\u002Fp>\n\u003Cp>🟡  Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 23%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Für Neukunden ist das HVB PlusKonto zwei Jahre kostenlos statt 9,90 € mtl., danach in Abhängigkeit vom Status im Vorteilsprogramm valyou: kein Status 9,90 € mtl., Bronze Status 7,43 € mtl., Silber Status 4,95 €, Gold Status 0,00 €."}\" data-sheets-userformat=\"{"2":4995,"3":{"1":0},"4":{"1":2,"2":16711935},"10":2,"11":3,"12":0,"15":"Arial"}\">Vorteilsprogramm valyou: Bronze Status 7,43€\u002FMonat, Silber Status 4,95€\u002FMonat, Gold Status 0€\u002FMonat\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Kostenlos mit der UniCredit Card an Geldautomaten der UniCredit Group und der Cash Group\u003C\u002Fspan>\u003Cspan style=\"font-size: 10pt; font-family: Arial; font-style: normal;\" data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">An Geldautomaten der UniCredit Group fallen lediglich 1,75% Fremdwährungsgebühr an. Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">mit der UniCredit Card\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 7.000 Cash Group-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Kostenlos mit der UniCredit Card an Geldautomaten der UniCredit Group und der Cash Group\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos am Schalter der HypoVereinsbank und Cash Group Automaten"}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">Kostenlos am Schalter der HypoVereinsbank und Cash Group Automaten\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos an Geldautomaten der UniCredit Group; Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>",[454],[2518,2519],{"label":457,"value":15},{"label":459,"value":15},[461,462],[461,462],2.8088,2.30293,"2,50€","12,92%","🟠 40 \u002F 100 (schwach)","Hypovereinsbank HVB PlusKonto","2026-05-07T10:16:57.289Z","2023-08-15T09:05:37.303Z","2,5€ + 1,75%",[2532,2534,2536],{"label":490,"logo":2533},{"id":492,"filename_download":493},{"label":495,"logo":2535},{"id":497,"filename_download":498},{"label":500,"logo":2537},{"id":502,"filename_download":503},[2539,2541],{"label":506,"logo":2540},{"id":508,"filename_download":509},{"label":511,"logo":2542},{"id":513,"filename_download":514},[2544],{"atm_networks_id":2545},{"label":1169,"machines_count":1170},[2547,2549],{"label":522,"image":2548},{"id":524,"filename_download":525},{"label":527,"image":2550},{"id":529,"filename_download":530},[2552,2554],{"label":533,"image":2553},{"id":535,"filename_download":536},{"label":1180,"image":2555},{"id":1182,"filename_download":1183},[2557],{"chips_id":2558},{"text":540,"text_color":541,"border_color":30,"background_color":30,"icon":30,"description":542},{"label":2560,"tan_method_value":30,"tan_method_description":30,"ident_method_value":30,"ident_method_description":30,"customer_support":30,"customer_support_description":30,"app_rating_value":30,"app_rating_description":30,"branches":15,"branches_description":30,"bic":2561,"app_rating":30,"logo":2602},"HypoVereinsbank",[2562,2564,2566,2568,2570,2572,2574,2576,2578,2580,2582,2584,2586,2588,2590,2592,2594,2596,2598,2600],{"bic":2563},"HYVEDEMMXXX",{"bic":2565},"HYVEDEMM300",{"bic":2567},"HYVEDEMM460",{"bic":2569},"HYVEDEMM408",{"bic":2571},"HYVEDEMM488",{"bic":2573},"HYVEDEMM448",{"bic":2575},"HYVEDEMM447",{"bic":2577},"HYVEDEMM483",{"bic":2579},"HYVEDEMM455",{"bic":2581},"HYVEDEMM473",{"bic":2583},"HYVEDEMM433",{"bic":2585},"HYVEDEMM495",{"bic":2587},"HYVEDEMM419",{"bic":2589},"HYVEDEMM417",{"bic":2591},"HYVEDEMM360",{"bic":2593},"HYVEDEMM430",{"bic":2595},"HYVEDEMM453",{"bic":2597},"HYVEDEMM405",{"bic":2599},"HYVEDEMM406",{"bic":2601},"HYVEDEMM480",{"id":2603,"filename_download":2604},"4f02e5eb-10e9-4c2e-a713-62174e891295","Hypovereinsbank_Logo_130x35.svg",{"id":118,"description":30,"label":86,"date_updated":554,"date_created":555,"user_created":556,"user_updated":557,"logo":2606},{"id":559,"filename_download":560},{"id":562,"description":30,"label":518,"date_updated":563,"date_created":564,"user_created":487,"user_updated":565,"logo":2608},{"id":567,"filename_download":568},{"id":562,"description":30,"label":518,"date_updated":563,"date_created":564,"user_created":487,"user_updated":565,"logo":2610},{"id":567,"filename_download":568},{"id":570,"online_banking_id":30,"label":571,"status":482,"date_created":572,"date_updated":573,"user_updated":574,"user_created":574,"logo":2612},{"id":576,"filename_download":577},{"item":2614},{"free_daily_account_interests":15,"wero":16,"without_schufa":16,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":15,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":2615,"free_sub_accounts":1702,"card_preview":2501,"cash_limit_per_day":30,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":64,"app_rating_android":80,"debitcard_description":2616,"girocard_description":2617,"deposit_protection_description":437,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":2504,"button_info_description":30,"joint_accounts_card_count_description":2618,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":30,"branches_value":30,"depot_value":30,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":30,"cash_in_retail_description":30,"free_wire_description":30,"app_rating_description":30,"sustainability_score_description":2507,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":30,"fee_withdrawal_euro_countries_description":2619,"fee_withdrawal_non_euro_countries_description":1772,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":1772,"free_withdrawals_per_month_description":2620,"fee_withdrawal_100_euro_countries_description":30,"fee_payment_100_euro_countries_description":30,"deposit_money_description":2621,"fee_payment_100_non_euro_countries_description":1772,"fee_withdrawal_100_non_euro_countries_description":1772,"label_description":30,"depot_description":30,"free_sub_accounts_description":30,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":30,"contactless_payment_services_description":30,"creditcard_description":2622,"country":2623,"real_time_bankwire":2624,"customer_support":2627,"account_type":30,"child_account_conditions":30,"support":2628,"special_features":30,"stud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kostet jährlich 15€.\u003C\u002Fp>","\u003Cp>Girocard kostet jährlich 12€. Die ServiceKarte (eine andere Debitkarte) ist hingegen kostenlos, damit kann Bargeld nur an Geldautomaten der HypoVereinsbank abgehoben werden.\u003C\u002Fp>","\u003Cp>Service Card ist kostenlos\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">An jedem Geldautomaten mit dem Cash Group Logo und europaweit bei allen UniCredit Banken.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann mit der UniCredit Card unbegrenzt kostenlos an den 7.000 Cash Group-Geldautomaten und an UniCredit Group Geldautomaten abgehoben werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos am Schalter der HypoVereinsbank\u003C\u002Fp>","\u003Cp>Jährlich 30€\u003C\u002Fp>",[454],[2625,2626],{"label":457,"value":15},{"label":459,"value":15},[461,462],[461,462],2.90135,2.35719,"https:\u002F\u002Fwww.hypovereinsbank.de\u002Fcontent\u002Fdam\u002Fhypovereinsbank\u002Fshared\u002Fpdf\u002FFID\u002FFID_Akti.pdf","1 kostenlose Karten","HypoVereinsbank 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data-sheets-value=\"{"1":2,"2":"virtuelle Kreditkarte Mastecard Classic Debit inklusive; physische Mastercard-Kreditkarte 2,42€ mtl."}\" data-sheets-userformat=\"{"2":11011,"3":{"1":0},"4":{"1":2,"2":16777215},"11":3,"12":0,"14":{"1":2,"2":0},"16":10}\">virtuelle Kreditkarte Mastercard Classic Debit inklusive; physische Mastercard-Kreditkarte 2,42€ mtl.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"digitale Girocard inklusive; Girocard V Pay 1,25 € mtl. "}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">digitale Girocard inklusive; Girocard V Pay 1,25 € mtl. \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>PSD TagesGeld Online\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Als Selbstständiger gibt es Mindest-Privatentnahmen in Höhe von 850€ für den Lebensunterhalt bei Selbstständigen, ab dem man 2,90€ p.M. bezahlt (wie Privatkunden bei Geldeingang ohne Mindestbetrag), sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>Filialen nur im Raum Nürnberg\u003C\u002Fp>","\u003Cp>2,90€ p.M. bei regelmäßigem Gehalts- oder Renteneingang, sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>mit der kostenpflichtigen Girocard V Pay;an eigenen Geldautomaten kostenlos; bei Banken die am BankCard Service-Netz teilnehmen 1,02 € pro Abhebung, wobei die Gebühr für 13 Abhebungen pro Quartal durch die PSD komplett erstattet wird\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der kostenpflichtigen Girocard 1% (min. 5€) Abhebegebühr zzgl. 1% (min. 0,77€, max. 3,83€) Fremdwährungsgebühr. \u003C\u002Fspan>Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1 % (mind. 0,77€, max. 3,83€), Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann 13 Mal pro Quartal mit der kostenpflichtigen Debitkarte (Girocard V Pay: 1,25 € mtl.) an den 17.300 Bankcard-Geldautomaten kostenlos abgehoben werden, danach kostet es 1,02€ pro Abhebung im BankCard-ServiceNetz. 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Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>1% (mind. 1,50€) Fremdwährungsgebühr + 0,5% Währungsumrechnungsentgelt\u003C\u002Fp>","\u003Cp>Am Schalter der Deutschen Bank kostenlos\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Jährlich 39€, Mastercard oder Visa möglich.\u003C\u002Fp>",[454],[2793,2794],{"label":457,"value":15},{"label":459,"value":15},[461,462],[461,462],2.96646,2.38882,"5,99€","3,25€","6,90€","11,35%","1% (mind. 1,50€) + 0,5%","6,49€","https:\u002F\u002Fwww.deutsche-bank.de\u002Fdam\u002Fdeutschebank\u002Fde\u002Fshared\u002Fpdf\u002Fentgeltinformation-aktivkonto-ag.pdf","1% (min. 5,99€)","Deutsche Bank Aktiv-Konto","2026-05-18T08:02:17.205Z","2023-02-17T07:54:55.447Z","1% (mind. 7,49€) + 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Ab 28 Jahre: 1.000€ Geldeingang (auch bei Gemeinschaftskonten), unter 28 Jahren: 700€ Geldeingang (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). Weitere Konditionen auf der Website des Anbieters.","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn min. 1.000€ Geldeingang oder unter 28 Jahren, sonst 4,90€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Mindestabhebebetrag: 50€. Es kann unbegrenzt kostenlos an den Visa-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>1% (\u003Cspan data-sheets-root=\"1\">min. 2,50€, max. 7,50€)\u003C\u002Fspan> bei teilnehmenden Handelspartnern\u003C\u002Fp>","\u003Cp>5 Tagesgeldkonten mit eigener IBAN möglich\u003C\u002Fp>",[454],[3440,3441],{"label":457,"value":15},{"label":459,"value":15},[461,462],[461,462],4.14249,3.2475,"9,14%","2,2%","2,20€","🟠 56 \u002F 100 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ist ein Gemeinschaftskonto?\u003C\u002Fh2>",{},{"content":3565,"level":80,"anchor":3566},"Was ist ein Gemeinschaftskonto?","",{"innerBlocks":3568,"name":3569,"postId":3561,"originalContent":3570,"get_parent":3571,"attributes":3572,"dynamicContent":30},[],"core\u002Fparagraph","\u003Cp>Ein Gemeinschaftskonto kannst du zusätzlich zu deinem persönlichen \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgirokonto\u002F\">Girokonto\u003C\u002Fa> in einer Partnerschaft oder Wohngemeinschaft nutzen, um das Aufteilen der Lebenshaltungskosten zu vereinfachen. Das erleichtert nicht nur den Alltag, sondern bringt auch Ordnung in die gemeinsamen Finanzen. Ein echtes Partnerkonto empfiehlt sich für Eheleute oder Lebenspartner, um die Begleichung zu teilender Kosten zu organisieren und einen Überblick über die gemeinsamen Ausgaben zu haben.\u003C\u002Fp>",{},{"content":3573,"dropCap":16,"anchor":3566},"Ein Gemeinschaftskonto kannst du zusätzlich zu deinem persönlichen \u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002F\" class=\"app-link\">Girokonto\u003C\u002Fa> in einer Partnerschaft oder Wohngemeinschaft nutzen, um das Aufteilen der Lebenshaltungskosten zu vereinfachen. Das erleichtert nicht nur den Alltag, sondern bringt auch Ordnung in die gemeinsamen Finanzen. Ein echtes Partnerkonto empfiehlt sich für Eheleute oder Lebenspartner, um die Begleichung zu teilender Kosten zu organisieren und einen Überblick über die gemeinsamen Ausgaben zu haben.",{"innerBlocks":3575,"name":3569,"postId":3561,"originalContent":3576,"get_parent":3577,"attributes":3578,"dynamicContent":30},[],"\u003Cp>Im Gegensatz zum Einzelkonto gibt es beim Gemeinschaftskonto nicht nur einen, sondern zwei oder mehr Kontoinhaber und damit Verfügungsberechtigte. Ein solches \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Fkontenmodelle\u002F\">Kontenmodell\u003C\u002Fa> empfiehlt sich, wenn verheiratete oder zusammenlebende Partner oder Freunde in einer Wohngemeinschaft die gemeinschaftlich zu bestreitenden Kosten separat organisieren wollen. Du eröffnest zusammen mit einer anderen Person ein Gemeinschaftskonto, auf das jeder von euch Geld einzahlen kann, um davon Kosten wie Miete, Wohnnebenkosten oder Einkäufe zu bezahlen. Inhaber eines Gemeinschaftskontos haften gesamtschuldnerisch für Schulden und Überziehungen, unabhängig davon, wer die Schulden verursacht hat. Eröffne ein Partnerkonto deshalb nur mit Personen, denen du vertraust.\u003C\u002Fp>",{},{"content":3579,"dropCap":16,"anchor":3566},"Im Gegensatz zum Einzelkonto gibt es beim Gemeinschaftskonto nicht nur einen, sondern zwei oder mehr Kontoinhaber und damit Verfügungsberechtigte. Ein solches \u003Ca href=\"\u002Fbanking\u002Fkontenmodelle\u002F\" class=\"app-link\">Kontenmodell\u003C\u002Fa> empfiehlt sich, wenn verheiratete oder zusammenlebende Partner oder Freunde in einer Wohngemeinschaft die gemeinschaftlich zu bestreitenden Kosten separat organisieren wollen. Du eröffnest zusammen mit einer anderen Person ein Gemeinschaftskonto, auf das jeder von euch Geld einzahlen kann, um davon Kosten wie Miete, Wohnnebenkosten oder Einkäufe zu bezahlen. Inhaber eines Gemeinschaftskontos haften gesamtschuldnerisch für Schulden und Überziehungen, unabhängig davon, wer die Schulden verursacht hat. Eröffne ein Partnerkonto deshalb nur mit Personen, denen du vertraust.",{"innerBlocks":3581,"name":3560,"postId":3561,"originalContent":3582,"get_parent":3583,"attributes":3584,"dynamicContent":30},[],"\u003Ch2>Gemeinschaftskonto oder Shared Space?\u003C\u002Fh2>",{},{"content":3585,"level":80,"anchor":3566},"Gemeinschaftskonto oder Shared Space?",{"innerBlocks":3587,"name":3569,"postId":3561,"originalContent":3588,"get_parent":3589,"attributes":3590,"dynamicContent":30},[],"\u003Cp>Eine Alternative zu einem echten Gemeinschaftskonto ist ein sogenannter Shared Space. Diese Art eignet sich vor allem, wenn mehr als zwei Personen Zugriff auf dein Konto erhalten sollen. Es handelt sich hierbei nicht um ein echtes Gemeinschaftskonto im klassischen Sinne, sondern du gewährst anderen Zugriff und Einsicht auf dein Konto. Hier erteilst du also eine Art Vollmacht, anstatt ein Gemeinschaftskonto zu eröffnen, auch wenn es ähnlich klingt. Die wesentlichen Unterschiede zwischen einem echten Gemeinschaftskonto und einem Shared Space findest du in der Tabelle zusammengefasst.\u003C\u002Fp>",{},{"content":3591,"dropCap":16,"anchor":3566},"Eine Alternative zu einem echten Gemeinschaftskonto ist ein sogenannter Shared Space. Diese Art eignet sich vor allem, wenn mehr als zwei Personen Zugriff auf dein Konto erhalten sollen. Es handelt sich hierbei nicht um ein echtes Gemeinschaftskonto im klassischen Sinne, sondern du gewährst anderen Zugriff und Einsicht auf dein Konto. Hier erteilst du also eine Art Vollmacht, anstatt ein Gemeinschaftskonto zu eröffnen, auch wenn es ähnlich klingt. Die wesentlichen Unterschiede zwischen einem echten Gemeinschaftskonto und einem Shared Space findest du in der Tabelle zusammengefasst.",{"innerBlocks":3593,"name":3594,"postId":3561,"originalContent":3595,"get_parent":3596,"attributes":3597,"dynamicContent":30},[],"core\u002Ftable","\u003Cfigure class=\"wp-block-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>Kriterium\u003C\u002Fth>\u003Cth>\u003Cstrong>Echtes Gemeinschaftskonto\u003C\u002Fstrong>\u003C\u002Fth>\u003Cth>\u003Cstrong>Shared Space\u003C\u002Fstrong>\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cstrong>Kontoinhaber\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>beide Partner\u003C\u002Ftd>\u003Ctd>Kontoinhaber allein\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Haftung\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>beide zu gleichen Teilen\u003C\u002Ftd>\u003Ctd>Kontoinhaber allein\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Eigentümer des Guthabens\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>beide zu gleichen Teilen\u003C\u002Ftd>\u003Ctd>Kontoinhaber allein\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Anzahl der Teilnehmer\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>in der Regel 2\u003C\u002Ftd>\u003Ctd>je nach Anbieter, z.B. 5, 10 oder unbegrenzt\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Für wen geeignet\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>Ehepartner, Partnerschaften, Wohngemeinschaften\u003C\u002Ftd>\u003Ctd>Freunde, größere Wohngemeinschaften, Familien\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Karten\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>jeder Kontoinhaber erhält eine eigene Karte\u003C\u002Ftd>\u003Ctd>nur der Haupt-Kontoinhaber hat die zu seinem Girokonto zugehörige Karte\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cfigcaption>Unterschiede zwischen Gemeinschaftskonto und Shared Space\u003C\u002Ffigcaption>\u003C\u002Ffigure>",{},{"hasFixedLayout":16,"caption":3598,"head":3599,"body":3609,"foot":3656,"anchor":3566},"Unterschiede zwischen Gemeinschaftskonto und Shared Space",[3600],{"cells":3601},[3602,3605,3607],{"content":3603,"tag":3604,"scope":3566,"align":3566},"Kriterium","th",{"content":3606,"tag":3604,"scope":3566,"align":3566},"\u003Cstrong>Echtes Gemeinschaftskonto\u003C\u002Fstrong>",{"content":3608,"tag":3604,"scope":3566,"align":3566},"\u003Cstrong>Shared Space\u003C\u002Fstrong>",[3610,3619,3626,3632,3640,3648],{"cells":3611},[3612,3615,3617],{"content":3613,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Kontoinhaber\u003C\u002Fstrong>","td",{"content":3616,"tag":3614,"scope":3566,"align":3566},"beide Partner",{"content":3618,"tag":3614,"scope":3566,"align":3566},"Kontoinhaber allein",{"cells":3620},[3621,3623,3625],{"content":3622,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Haftung\u003C\u002Fstrong>",{"content":3624,"tag":3614,"scope":3566,"align":3566},"beide zu gleichen Teilen",{"content":3618,"tag":3614,"scope":3566,"align":3566},{"cells":3627},[3628,3630,3631],{"content":3629,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Eigentümer des Guthabens\u003C\u002Fstrong>",{"content":3624,"tag":3614,"scope":3566,"align":3566},{"content":3618,"tag":3614,"scope":3566,"align":3566},{"cells":3633},[3634,3636,3638],{"content":3635,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Anzahl der Teilnehmer\u003C\u002Fstrong>",{"content":3637,"tag":3614,"scope":3566,"align":3566},"in der Regel 2",{"content":3639,"tag":3614,"scope":3566,"align":3566},"je nach Anbieter, z.B. 5, 10 oder unbegrenzt",{"cells":3641},[3642,3644,3646],{"content":3643,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Für wen geeignet\u003C\u002Fstrong>",{"content":3645,"tag":3614,"scope":3566,"align":3566},"Ehepartner, Partnerschaften, Wohngemeinschaften",{"content":3647,"tag":3614,"scope":3566,"align":3566},"Freunde, größere Wohngemeinschaften, Familien",{"cells":3649},[3650,3652,3654],{"content":3651,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Karten\u003C\u002Fstrong>",{"content":3653,"tag":3614,"scope":3566,"align":3566},"jeder Kontoinhaber erhält eine eigene Karte",{"content":3655,"tag":3614,"scope":3566,"align":3566},"nur der Haupt-Kontoinhaber hat die zu seinem Girokonto zugehörige Karte",[],{"innerBlocks":3658,"name":3560,"postId":3561,"originalContent":3659,"get_parent":3660,"attributes":3661,"dynamicContent":30},[],"\u003Ch2>Die besten Gemeinschaftskonten und Shared Spaces\u003C\u002Fh2>",{},{"content":3662,"level":80,"anchor":3566},"Die besten Gemeinschaftskonten und Shared Spaces",{"innerBlocks":3664,"name":3569,"postId":3561,"originalContent":3665,"get_parent":3666,"attributes":3667,"dynamicContent":30},[],"\u003Cp>In unserem Gemeinschaftskonto-Vergleich findest du die besten Partnerkonten und Shared Spaces, die du zu zweit oder teilweise auch mit mehreren Personen nutzen kannst. \u003C\u002Fp>",{},{"content":3668,"dropCap":16,"anchor":3566},"In unserem Gemeinschaftskonto-Vergleich findest du die besten Partnerkonten und Shared Spaces, die du zu zweit oder teilweise auch mit mehreren Personen nutzen kannst.",{"innerBlocks":3670,"name":3671,"postId":3561,"originalContent":3672,"get_parent":3673,"attributes":3674,"dynamicContent":30},[],"core\u002Fembed","\u003Cfigure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\u003Cdiv class=\"wp-block-embed__wrapper\">\nhttps:\u002F\u002Fwww.youtube.com\u002Fwatch?v=rGF1q7bvF_I\n\u003C\u002Fdiv>\u003C\u002Ffigure>",{},{"caption":3566,"allowResponsive":15,"responsive":15,"previewable":15,"url":3675,"type":3676,"providerNameSlug":3677,"className":3678},"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=rGF1q7bvF_I","video","youtube","wp-embed-aspect-16-9 wp-has-aspect-ratio",{"innerBlocks":3680,"name":3560,"postId":3561,"originalContent":3681,"get_parent":3682,"attributes":3683,"dynamicContent":30},[],"\u003Ch2>Norisbank\u003C\u002Fh2>",{},{"content":358,"level":80,"anchor":3566},{"innerBlocks":3685,"name":3569,"postId":3561,"originalContent":3686,"get_parent":3687,"attributes":3688,"dynamicContent":30},[],"\u003Cp>Das Gemeinschaftskonto der Norisbank erzielt in unserem Vergleich das beste Ergebnis. Es handelt sich dabei um ein vollwertiges Partnerkonto, das von zwei Kontoinhabern gemeinsam geführt werden kann. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen.\u003C\u002Fp>",{},{"content":3689,"dropCap":16,"anchor":3566},"Das Gemeinschaftskonto der Norisbank erzielt in unserem Vergleich das beste Ergebnis. Es handelt sich dabei um ein vollwertiges Partnerkonto, das von zwei Kontoinhabern gemeinsam geführt werden kann. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen.",{"innerBlocks":3691,"name":3692,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3693,"attributes":3694},[],"acf\u002Fcta-box-border",{},{"name":3692,"data":3695},{"title":355,"cta_box_border_description":3566,"cta_box_border_list_0_cta_box_border_list_description":3696,"cta_box_border_list_0_cta_box_border_list_icon":3697,"cta_box_border_list_1_cta_box_border_list_description":3698,"cta_box_border_list_1_cta_box_border_list_icon":3697,"cta_box_border_list_2_cta_box_border_list_description":3699,"cta_box_border_list_2_cta_box_border_list_icon":3697,"cta_box_border_list_3_cta_box_border_list_description":3700,"cta_box_border_list_3_cta_box_border_list_icon":3697,"cta_box_border_list_4_cta_box_border_list_description":3701,"cta_box_border_list_4_cta_box_border_list_icon":3702,"cta_box_border_list":991,"cta_box_border_image":3703,"cta_box_border_image_description":3566,"cta_box_border_button_link":3704,"cta_box_border_button_label":3566,"cta_box_border_button_id":3566,"cta_box_border_same_tab":3566,"cta_box_border_image_url":3705},"Keine Kontoführungsgebühren","checked","\u003Cspan data-v-5e76833b=\"\">Beide Kontoinhaber bekommen eine kostenlose Mastercard-Debitkarte\u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Keine Gebühr für Kartenzahlungen in Fremdwährung\u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Unbegrenzt kostenlos Geld abheben \u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Zinsen auf dem Girokonto\u003C\u002Fspan>","unchecked",3107799,{"title":3566,"url":356,"target":3566},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2026\u002F06\u002Fnorisbank-rgb-black.svg",{"innerBlocks":3707,"name":3560,"postId":3561,"originalContent":3708,"get_parent":3709,"attributes":3710,"dynamicContent":30},[],"\u003Ch3>C24 Smart\u003C\u002Fh3>",{},{"content":386,"level":107,"anchor":3566},{"innerBlocks":3712,"name":3569,"postId":3561,"originalContent":3713,"get_parent":3714,"attributes":3715,"dynamicContent":30},[],"\u003Cp>In unserem Vergleich schneidet das C24-Smartkonto sehr gut ab. Damit hast du die Möglichkeit, entweder ein klassisches Gemeinschaftskonto zu eröffnen oder einen sogenannten Shared Space innerhalb deines C24-Girokontos einzurichten. Über die C24-App kannst du andere Nutzer zu deinem Hauptkonto oder einem Pocket einladen. Die Eingeladenen erhalten dadurch Zugriff auf das geteilte Konto und können es ebenfalls in ihrer App verwalten. \u003C\u002Fp>",{},{"content":3716,"dropCap":16,"anchor":3566},"In unserem Vergleich schneidet das C24-Smartkonto sehr gut ab. Damit hast du die Möglichkeit, entweder ein klassisches Gemeinschaftskonto zu eröffnen oder einen sogenannten Shared Space innerhalb deines C24-Girokontos einzurichten. Über die C24-App kannst du andere Nutzer zu deinem Hauptkonto oder einem Pocket einladen. Die Eingeladenen erhalten dadurch Zugriff auf das geteilte Konto und können es ebenfalls in ihrer App verwalten. ",{"innerBlocks":3718,"name":3569,"postId":3561,"originalContent":3719,"get_parent":3720,"attributes":3721,"dynamicContent":30},[],"\u003Cp>Praktisch entspricht das einer Kontovollmacht. So lassen sich Ein- und Ausgaben gemeinsam im Blick behalten oder auch gemeinsame Sparziele definieren. Besonders geeignet ist dieses Modell beispielsweise für größere Wohngemeinschaften oder Freundeskreise, die zusammen ein Projekt oder einen Urlaub finanzieren möchten.\u003C\u002Fp>",{},{"content":3722,"dropCap":16,"anchor":3566},"Praktisch entspricht das einer Kontovollmacht. So lassen sich Ein- und Ausgaben gemeinsam im Blick behalten oder auch gemeinsame Sparziele definieren. Besonders geeignet ist dieses Modell beispielsweise für größere Wohngemeinschaften oder Freundeskreise, die zusammen ein Projekt oder einen Urlaub finanzieren möchten.",{"innerBlocks":3724,"name":3692,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3725,"attributes":3726},[],{},{"name":3692,"data":3727},{"title":3728,"cta_box_border_description":3566,"cta_box_border_list_0_cta_box_border_list_description":3729,"cta_box_border_list_0_cta_box_border_list_icon":3697,"cta_box_border_list_1_cta_box_border_list_description":3730,"cta_box_border_list_1_cta_box_border_list_icon":3697,"cta_box_border_list_2_cta_box_border_list_description":3731,"cta_box_border_list_2_cta_box_border_list_icon":3697,"cta_box_border_list_3_cta_box_border_list_description":3732,"cta_box_border_list_3_cta_box_border_list_icon":3697,"cta_box_border_list_4_cta_box_border_list_description":3733,"cta_box_border_list_4_cta_box_border_list_icon":3702,"cta_box_border_list":991,"cta_box_border_image":3734,"cta_box_border_image_description":3566,"cta_box_border_button_link":3735,"cta_box_border_button_label":3566,"cta_box_border_button_id":3566,"cta_box_border_same_tab":3566,"cta_box_border_image_url":16},"C24 Smartkonto","Keine Kontoführungsgebühr bei C24 Smart","Kostenlose Mastercard und Girocard","Unterkonten mit eigener IBAN erstellen","Echtes Gemeinschaftskonto oder Shared Space möglich","\u003Cspan style=\"font-weight: 400;\">Einzahlung von Bargeld kostet 1,75% Gebühr\u003C\u002Fspan>",3066430,{"title":3566,"url":387,"target":3736},"_blank",{"innerBlocks":3738,"name":3560,"postId":3561,"originalContent":3739,"get_parent":3740,"attributes":3741,"dynamicContent":30},[],"\u003Ch3>Consorsbank Gemeinschaftskonto\u003C\u002Fh3>",{},{"content":3742,"level":107,"anchor":3566},"Consorsbank Gemeinschaftskonto",{"innerBlocks":3744,"name":3569,"postId":3561,"originalContent":3745,"get_parent":3746,"attributes":3747,"dynamicContent":30},[],"\u003Cp>Auch bei der Consorsbank kannst du unkompliziert ein echtes Gemeinschaftskonto für zwei Kontoinhaber (Oder-Konto) online eröffnen. In der Antragsstrecke kannst du angeben, dass du ein Gemeinschaftskonto eröffnen möchtest.\u003C\u002Fp>",{},{"content":3748,"dropCap":16,"anchor":3566},"Auch bei der Consorsbank kannst du unkompliziert ein echtes Gemeinschaftskonto für zwei Kontoinhaber (Oder-Konto) online eröffnen. In der Antragsstrecke kannst du angeben, dass du ein Gemeinschaftskonto eröffnen möchtest.",{"innerBlocks":3750,"name":3692,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3751,"attributes":3752},[],{},{"name":3692,"data":3753},{"title":3742,"cta_box_border_description":3566,"cta_box_border_list_0_cta_box_border_list_description":3754,"cta_box_border_list_0_cta_box_border_list_icon":3697,"cta_box_border_list_1_cta_box_border_list_description":3755,"cta_box_border_list_1_cta_box_border_list_icon":3697,"cta_box_border_list_2_cta_box_border_list_description":3756,"cta_box_border_list_2_cta_box_border_list_icon":3697,"cta_box_border_list_3_cta_box_border_list_description":3757,"cta_box_border_list_3_cta_box_border_list_icon":3702,"cta_box_border_list":118,"cta_box_border_image":3758,"cta_box_border_image_description":3566,"cta_box_border_button_link":3759,"cta_box_border_button_label":3566,"cta_box_border_button_id":3566,"cta_box_border_same_tab":3566,"cta_box_border_image_url":3760},"\u003Cspan style=\"font-weight: 400;\">Keine Kontoführungsgebühr bei monatlichem Geldeingang von min. 700€ oder wenn beide Kontoinhaber jünger als 31 sind\u003C\u002Fspan>","B\u003Cspan style=\"font-weight: 400;\">eide Kontoinhaber bekommen eine kostenlose Visa Debitkarte\u003C\u002Fspan>","\u003Cspan style=\"font-weight: 400;\">Kostenlos ab 50€ Geld abheben (an Automaten mit Visa-Zeichen im Europäischen Wirtschaftsraum)\u003C\u002Fspan>","Bargeldeinzahlung nur eingeschränkt in wenigen Filialen möglich",3060716,{"title":3566,"url":620,"target":3736},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2022\u002F11\u002Fconsorsbank-logo-square-1.png",{"innerBlocks":3762,"name":3560,"postId":3561,"originalContent":3763,"get_parent":3764,"attributes":3765,"dynamicContent":30},[],"\u003Ch2>Wie eröffnest du ein Gemeinschaftskonto?\u003C\u002Fh2>",{},{"content":3766,"level":80,"anchor":3566},"Wie eröffnest du ein Gemeinschaftskonto?",{"innerBlocks":3768,"name":3569,"postId":3561,"originalContent":3769,"get_parent":3770,"attributes":3771,"dynamicContent":30},[],"\u003Cp>Im Prinzip gehst du vor, wie bei der Eröffnung eines \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002Fkonto-eroeffnen\u002F\">Einzelkontos\u003C\u002Fa>. In der Antragsstrecke kannst du in der Regel auswählen, dass du ein Gemeinschaftskonto eröffnen möchtest.\u003C\u002Fp>",{},{"content":3772,"dropCap":16,"anchor":3566},"Im Prinzip gehst du vor, wie bei der Eröffnung eines \u003Ca href=\"\u002Fgirokonto\u002Fkonto-eroeffnen\u002F\" class=\"app-link\">Einzelkontos\u003C\u002Fa>. In der Antragsstrecke kannst du in der Regel auswählen, dass du ein Gemeinschaftskonto eröffnen möchtest.",{"innerBlocks":3774,"name":3775,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3776,"attributes":3777},[],"acf\u002Fnumbered-list",{},{"name":3775,"data":3778},{"numbered_list_0_numbered_list_description":3779,"numbered_list_0_numbered_list_headline":3780,"numbered_list_1_numbered_list_description":3781,"numbered_list_1_numbered_list_headline":3782,"numbered_list_2_numbered_list_description":3783,"numbered_list_2_numbered_list_headline":3784,"numbered_list_3_numbered_list_description":3785,"numbered_list_3_numbered_list_headline":3786,"numbered_list_4_numbered_list_description":3787,"numbered_list_4_numbered_list_headline":3788,"numbered_list":991},"Suche dir ein passendes Gemeinschaftskonto aus.","Konto finden","Auf der Website der Bank gelangst du zur Antragsstrecke für die Kontoeröffnung. Fülle den Antrag mit allen erforderlichen Angaben und Daten aus.","Kontoantrag ausfüllen","Beide neuen Kontoinhaber müssen den Antrag unterschreiben.","Antrag unterzeichnen","Reiche den Antrag digital bei der Bank ein.","Antrag einreichen","Beide neuen Kontoinhaber müssen die Identifizierung absolvieren. Das erfolgt meist online per Video-Ident-Verfahren, alternativ auch per Post-Ident.","Identifizierung absolvieren",{"innerBlocks":3790,"name":3569,"postId":3561,"originalContent":3791,"get_parent":3792,"attributes":3793,"dynamicContent":30},[],"\u003Cp>Die Umwandlung eines bestehenden Girokontos in ein Gemeinschaftskonto ist in der Regel nicht möglich. Es bietet sich an, einfach gemeinsam ein Gemeinschaftskonto zusätzlich zu eurem jeweiligen Girokonto zu eröffnen. So hat jeder seine persönlichen Finanzen im Blick, aber ihr habt ein zusätzliches Partnerkonto für gemeinsame Ausgaben.\u003C\u002Fp>",{},{"content":3794,"dropCap":16,"anchor":3566},"Die Umwandlung eines bestehenden Girokontos in ein Gemeinschaftskonto ist in der Regel nicht möglich. Es bietet sich an, einfach gemeinsam ein Gemeinschaftskonto zusätzlich zu eurem jeweiligen Girokonto zu eröffnen. So hat jeder seine persönlichen Finanzen im Blick, aber ihr habt ein zusätzliches Partnerkonto für gemeinsame Ausgaben.",{"innerBlocks":3796,"name":3797,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3798,"attributes":3799},[],"acf\u002Fbox-info-icon",{},{"name":3797,"data":3800},{"box_info_icon_description":3801,"box_info_icon_headline":3802,"box_info_icon_icon":3803},"Manche Banken bestehen darauf, dass die Partner für ein Gemeinschaftskonto eine gemeinsame Meldeadresse vorweisen, bei den meisten Banken ist dies aber nicht notwendig.","Achtung bei gemeinsamem Wohnsitz","attention",{"innerBlocks":3805,"name":3560,"postId":3561,"originalContent":3806,"get_parent":3807,"attributes":3808,"dynamicContent":30},[],"\u003Ch2>Schenkungssteuer bei Gemeinschaftskonten\u003C\u002Fh2>",{},{"content":3809,"level":80,"anchor":3566},"Schenkungssteuer bei Gemeinschaftskonten",{"innerBlocks":3811,"name":3569,"postId":3561,"originalContent":3812,"get_parent":3813,"attributes":3814,"dynamicContent":30},[],"\u003Cp>Das Thema Schenkungssteuer wird in Bezug auf ein echtes Gemeinschaftskonto gerne unterschätzt. Dabei sind regelmäßige Einzahlungen von beiden Kontoinhabern, wie Gehaltseingänge zur Bestreitung des gemeinsamen Lebensunterhaltes, in der Regel unproblematisch. Doch zahlt ein Kontoinhaber wesentlich mehr ein als der andere, kann dies als Schenkung gelten und somit steuerlich relevant werden. Deshalb solltet ihr die Höhe eurer jeweiligen Einzahlungen im Blick behalten, damit das Gemeinschaftskonto nicht zur Steuerfalle wird. Informiert euch über eure konkrete steuerliche Situation und die Konsequenzen, solltet ihr die Freibeträge überschreiten.\u003C\u002Fp>",{},{"content":3815,"dropCap":16,"anchor":3566},"Das Thema Schenkungssteuer wird in Bezug auf ein echtes Gemeinschaftskonto gerne unterschätzt. Dabei sind regelmäßige Einzahlungen von beiden Kontoinhabern, wie Gehaltseingänge zur Bestreitung des gemeinsamen Lebensunterhaltes, in der Regel unproblematisch. Doch zahlt ein Kontoinhaber wesentlich mehr ein als der andere, kann dies als Schenkung gelten und somit steuerlich relevant werden. Deshalb solltet ihr die Höhe eurer jeweiligen Einzahlungen im Blick behalten, damit das Gemeinschaftskonto nicht zur Steuerfalle wird. Informiert euch über eure konkrete steuerliche Situation und die Konsequenzen, solltet ihr die Freibeträge überschreiten.",{"innerBlocks":3817,"name":3560,"postId":3561,"originalContent":3818,"get_parent":3819,"attributes":3820,"dynamicContent":30},[],"\u003Ch3>Welche Freibeträge gelten bei Schenkungen?\u003C\u002Fh3>",{},{"content":3821,"level":107,"anchor":3566},"Welche Freibeträge gelten bei Schenkungen?",{"innerBlocks":3823,"name":3569,"postId":3561,"originalContent":3824,"get_parent":3825,"attributes":3826,"dynamicContent":30},[],"\u003Cp>Bei Gemeinschaftskonten wird das Guthaben grundsätzlich jeweils zur Hälfte den beiden Kontoinhabern zugerechnet, unabhängig davon, wer das Geld eingezahlt hat. Zahlt ausschließlich ein Kontoinhaber auf das Konto ein, können diese Zahlungen also zur Hälfte als Schenkung an den anderen Inhaber gelten. Solche Vermögensübertragungen unterliegen prinzipiell der Schenkungssteuer. Allerdings gibt es Freibeträge, die abhängig von dem Verwandtschaftsverhältnis zwischen Schenker und Beschenktem sind:\u003C\u002Fp>",{},{"content":3827,"dropCap":16,"anchor":3566},"Bei Gemeinschaftskonten wird das Guthaben grundsätzlich jeweils zur Hälfte den beiden Kontoinhabern zugerechnet, unabhängig davon, wer das Geld eingezahlt hat. Zahlt ausschließlich ein Kontoinhaber auf das Konto ein, können diese Zahlungen also zur Hälfte als Schenkung an den anderen Inhaber gelten. Solche Vermögensübertragungen unterliegen prinzipiell der Schenkungssteuer. Allerdings gibt es Freibeträge, die abhängig von dem Verwandtschaftsverhältnis zwischen Schenker und Beschenktem sind:",{"innerBlocks":3829,"name":3594,"postId":3561,"originalContent":3830,"get_parent":3831,"attributes":3832,"dynamicContent":30},[],"\u003Cfigure class=\"wp-block-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>Beziehung\u003C\u002Fth>\u003Cth>Freibetrag\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>Ehegatten und eingetragene Lebenspartner\u003C\u002Ftd>\u003Ctd>500.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Kinder und Stiefkinder\u003C\u002Ftd>\u003Ctd>400.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Enkel, deren Eltern noch leben\u003C\u002Ftd>\u003Ctd>200.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Eltern und Großeltern\u003C\u002Ftd>\u003Ctd>20.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Geschwister und deren Kinder\u003C\u002Ftd>\u003Ctd>20.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Geschiedene Ehegatten und getrennte Lebenspartner\u003C\u002Ftd>\u003Ctd>20.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>alle anderen beschenkten Personen\u003C\u002Ftd>\u003Ctd>20.000€\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cfigcaption>Freibeträge und Steuerklassen je nach Beziehung zum Beschenkten\u003C\u002Ffigcaption>\u003C\u002Ffigure>",{},{"hasFixedLayout":16,"caption":3833,"head":3834,"body":3841,"foot":3881,"anchor":3566},"Freibeträge und Steuerklassen je nach Beziehung zum Beschenkten",[3835],{"cells":3836},[3837,3839],{"content":3838,"tag":3604,"scope":3566,"align":3566},"Beziehung",{"content":3840,"tag":3604,"scope":3566,"align":3566},"Freibetrag",[3842,3848,3854,3860,3866,3871,3876],{"cells":3843},[3844,3846],{"content":3845,"tag":3614,"scope":3566,"align":3566},"Ehegatten und eingetragene Lebenspartner",{"content":3847,"tag":3614,"scope":3566,"align":3566},"500.000€",{"cells":3849},[3850,3852],{"content":3851,"tag":3614,"scope":3566,"align":3566},"Kinder und Stiefkinder",{"content":3853,"tag":3614,"scope":3566,"align":3566},"400.000€",{"cells":3855},[3856,3858],{"content":3857,"tag":3614,"scope":3566,"align":3566},"Enkel, deren Eltern noch leben",{"content":3859,"tag":3614,"scope":3566,"align":3566},"200.000€",{"cells":3861},[3862,3864],{"content":3863,"tag":3614,"scope":3566,"align":3566},"Eltern und Großeltern",{"content":3865,"tag":3614,"scope":3566,"align":3566},"20.000€",{"cells":3867},[3868,3870],{"content":3869,"tag":3614,"scope":3566,"align":3566},"Geschwister und deren Kinder",{"content":3865,"tag":3614,"scope":3566,"align":3566},{"cells":3872},[3873,3875],{"content":3874,"tag":3614,"scope":3566,"align":3566},"Geschiedene Ehegatten und getrennte Lebenspartner",{"content":3865,"tag":3614,"scope":3566,"align":3566},{"cells":3877},[3878,3880],{"content":3879,"tag":3614,"scope":3566,"align":3566},"alle anderen beschenkten Personen",{"content":3865,"tag":3614,"scope":3566,"align":3566},[],{"innerBlocks":3883,"name":3569,"postId":3561,"originalContent":3884,"get_parent":3885,"attributes":3886,"dynamicContent":30},[],"\u003Cp>Für Schenkungen unterhalb dieser Freibeträge fällt keine Schenkungssteuer an. Zusätzlich gilt eine Frist von zehn Jahren, in denen der Freibetrag ausgeschöpft werden kann. Nach zehn Jahren gilt wieder ein neuer Freibetrag.\u003C\u002Fp>",{},{"content":3887,"dropCap":16,"anchor":3566},"Für Schenkungen unterhalb dieser Freibeträge fällt keine Schenkungssteuer an. Zusätzlich gilt eine Frist von zehn Jahren, in denen der Freibetrag ausgeschöpft werden kann. Nach zehn Jahren gilt wieder ein neuer Freibetrag.",{"innerBlocks":3889,"name":3569,"postId":3561,"originalContent":3890,"get_parent":3891,"attributes":3892,"dynamicContent":30},[],"\u003Cp>Bei einem Gemeinschaftskonto können zahlreiche kleinere Einzahlungen über die Jahre hinweg dazu führen, dass die Freigrenzen überschritten werden. In diesem Fall kann Schenkungssteuer fällig werden. Insbesondere, wenn die Freibeträge vergleichsweise niedrig sind, wie bei Geschwistern, Freunden oder Lebensgefährten, kann die Grenze von 20.000€ je nach Nutzung des Gemeinschaftskontos und Einzahlungsmodalitäten schnell überschritten werden.\u003C\u002Fp>",{},{"content":3893,"dropCap":16,"anchor":3566},"Bei einem Gemeinschaftskonto können zahlreiche kleinere Einzahlungen über die Jahre hinweg dazu führen, dass die Freigrenzen überschritten werden. In diesem Fall kann Schenkungssteuer fällig werden. Insbesondere, wenn die Freibeträge vergleichsweise niedrig sind, wie bei Geschwistern, Freunden oder Lebensgefährten, kann die Grenze von 20.000€ je nach Nutzung des Gemeinschaftskontos und Einzahlungsmodalitäten schnell überschritten werden.",{"innerBlocks":3895,"name":3560,"postId":3561,"originalContent":3896,"get_parent":3897,"attributes":3898,"dynamicContent":30},[],"\u003Ch3>Wie fällt keine Schenkungssteuer an?\u003C\u002Fh3>",{},{"content":3899,"level":107,"anchor":3566},"Wie fällt keine Schenkungssteuer an?",{"innerBlocks":3901,"name":3569,"postId":3561,"originalContent":3902,"get_parent":3903,"attributes":3904,"dynamicContent":30},[],"\u003Cp>Die einfachste Methode, um eine mögliche Schenkungssteuer zu vermeiden, ist die Nutzung von getrennten Konten. Alternativ kann bei der Nutzung eines Gemeinschaftskontos darauf geachtet werden, dass keine Person alleine große Einzahlungen vornimmt. Zudem kann eine Vereinbarung zwischen beiden Kontoinhabern getroffen werden, die die Verwendung des Geldes regelt.\u003C\u002Fp>",{},{"content":3905,"dropCap":16,"anchor":3566},"Die einfachste Methode, um eine mögliche Schenkungssteuer zu vermeiden, ist die Nutzung von getrennten Konten. Alternativ kann bei der Nutzung eines Gemeinschaftskontos darauf geachtet werden, dass keine Person alleine große Einzahlungen vornimmt. Zudem kann eine Vereinbarung zwischen beiden Kontoinhabern getroffen werden, die die Verwendung des Geldes regelt.",{"innerBlocks":3907,"name":3560,"postId":3561,"originalContent":3908,"get_parent":3909,"attributes":3910,"dynamicContent":30},[],"\u003Ch4>Keine großen Einzahlungen vornehmen\u003C\u002Fh4>",{},{"content":3911,"level":118,"anchor":3566},"Keine großen Einzahlungen vornehmen",{"innerBlocks":3913,"name":3569,"postId":3561,"originalContent":3914,"get_parent":3915,"attributes":3916,"dynamicContent":30},[],"\u003Cp>Die Problematik mit der Schenkungssteuer ergibt sich insbesondere dann, wenn ausschließlich einer der beiden Kontoinhaber auf das Gemeinschaftskonto einzahlt. In diesem Fall kann die Einzahlung zur Hälfte als Bereicherung des anderen angesehen und als Schenkung gewertet werden. Eine einfache Möglichkeit, um dieses Szenario zu vermeiden: Keine hohen Einzahlungen eines Kontoinhabers auf das Gemeinschaftskonto vornehmen.\u003C\u002Fp>",{},{"content":3917,"dropCap":16,"anchor":3566},"Die Problematik mit der Schenkungssteuer ergibt sich insbesondere dann, wenn ausschließlich einer der beiden Kontoinhaber auf das Gemeinschaftskonto einzahlt. In diesem Fall kann die Einzahlung zur Hälfte als Bereicherung des anderen angesehen und als Schenkung gewertet werden. Eine einfache Möglichkeit, um dieses Szenario zu vermeiden: Keine hohen Einzahlungen eines Kontoinhabers auf das Gemeinschaftskonto vornehmen.",{"innerBlocks":3919,"name":3569,"postId":3561,"originalContent":3920,"get_parent":3921,"attributes":3922,"dynamicContent":30},[],"\u003Cp>Ein Gemeinschaftskonto sollte für regelmäßige gemeinsame Lebenshaltungskosten wie Haushaltskosten, Miete oder alltägliche Einkäufe genutzt werden, wenn beide Kontoinhaber zu gleichen Teilen Geld einzahlen. Gemeinschaftskonten sollten aber nicht für die Abwicklung aller anfallenden Transaktionen genutzt werden. Größere Einzahlungen einer Person auf das Gemeinschaftskonto sollten vermieden und besser auf das private Konto vorgenommen werden.\u003C\u002Fp>",{},{"content":3923,"dropCap":16,"anchor":3566},"Ein Gemeinschaftskonto sollte für regelmäßige gemeinsame Lebenshaltungskosten wie Haushaltskosten, Miete oder alltägliche Einkäufe genutzt werden, wenn beide Kontoinhaber zu gleichen Teilen Geld einzahlen. Gemeinschaftskonten sollten aber nicht für die Abwicklung aller anfallenden Transaktionen genutzt werden. Größere Einzahlungen einer Person auf das Gemeinschaftskonto sollten vermieden und besser auf das private Konto vorgenommen werden.",{"innerBlocks":3925,"name":3797,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3926,"attributes":3927},[],{},{"name":3797,"data":3928},{"box_info_icon_description":3929,"box_info_icon_headline":3930,"box_info_icon_icon":3803},"Bei Zahlungen von Dritten auf ein Gemeinschaftskonto sollte auf die steuerliche Konstellation geachtet werden, wie folgendes Beispiel verdeutlicht: Eine Mutter möchte ihrem Sohn 50.000€ schenken. Der Sohn ist verheiratet und führt mit seiner Frau ein Gemeinschaftskonto, auf das die Überweisung der Mutter erfolgt. Somit wird die Einzahlung hälftig der Ehefrau zugerechnet. Für den Sohn fallen die 25.000€ unter die geltende Freigrenze von 400.000€. Für die Schwiegertochter gilt allerdings nur eine Freigrenze von 20.000€, sodass hier 5.000€ schenkungssteuerpflichtig sind. Die Schenkung der Mutter hätte also besser auf das private Girokonto des Sohnes erfolgen sollen.","Vorsicht bei Einzahlungen von Dritten",{"innerBlocks":3932,"name":3560,"postId":3561,"originalContent":3933,"get_parent":3934,"attributes":3935,"dynamicContent":30},[],"\u003Ch4>Getrennte Konten mit Vollmacht\u003C\u002Fh4>",{},{"content":3936,"level":118,"anchor":3566},"Getrennte Konten mit Vollmacht",{"innerBlocks":3938,"name":3569,"postId":3561,"originalContent":3939,"get_parent":3940,"attributes":3941,"dynamicContent":30},[],"\u003Cp>Um dem Thema Schenkungssteuer in Bezug auf Girokonten aus dem Weg zu gehen, können auch einfach zwei einzelne Girokonten eröffnet und dem jeweils anderen eine Kontovollmacht erteilt werden. Damit führt jeder sein Vermögen separat, der andere hat trotzdem dank der Vollmacht noch Zugriff auf das Konto und kann etwa Transaktionen einsehen und Überweisungen veranlassen.\u003C\u002Fp>",{},{"content":3942,"dropCap":16,"anchor":3566},"Um dem Thema Schenkungssteuer in Bezug auf Girokonten aus dem Weg zu gehen, können auch einfach zwei einzelne Girokonten eröffnet und dem jeweils anderen eine Kontovollmacht erteilt werden. Damit führt jeder sein Vermögen separat, der andere hat trotzdem dank der Vollmacht noch Zugriff auf das Konto und kann etwa Transaktionen einsehen und Überweisungen veranlassen.",{"innerBlocks":3944,"name":3945,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3946,"attributes":3947},[],"acf\u002Fdashed-card",{},{"name":3945,"data":3948},{"color":3949,"title":233,"description":3950,"emoji":3951,"link":3952,"button_text":3953},"blue","In unserem Girokonto-Vergleich findest du eine noch breitere Auswahl an Girokonten für einzelne Personen als in diesem Vergleich, da nicht jede Bank ein Gemeinschaftskonto anbietet.","🏦","\u002Fvergleich\u002Fgirokonto\u002F","Zum Vergleich",{"innerBlocks":3955,"name":3560,"postId":3561,"originalContent":3956,"get_parent":3957,"attributes":3958,"dynamicContent":30},[],"\u003Ch4>Schriftliche Vereinbarung treffen\u003C\u002Fh4>",{},{"content":3959,"level":118,"anchor":3566},"Schriftliche Vereinbarung treffen",{"innerBlocks":3961,"name":3569,"postId":3561,"originalContent":3962,"get_parent":3963,"attributes":3964,"dynamicContent":30},[],"\u003Cp>Im Zweifel kann bei der Nutzung eines Gemeinschaftskontos auch eine schriftliche Vereinbarung zwischen den Kontoinhabern getroffen werden. Darin sollte festgehalten werden, wer das Guthaben auf dem Konto wie nutzen darf und wem das Geld zuzurechnen ist. Beispielsweise kann vereinbart werden, dass das Guthaben auf dem Konto jedem in Abhängigkeit der Höhe seiner Einzahlungen gehört, abweichend von der ansonsten angenommenen hälftigen Aufteilung.\u003C\u002Fp>",{},{"content":3965,"dropCap":16,"anchor":3566},"Im Zweifel kann bei der Nutzung eines Gemeinschaftskontos auch eine schriftliche Vereinbarung zwischen den Kontoinhabern getroffen werden. Darin sollte festgehalten werden, wer das Guthaben auf dem Konto wie nutzen darf und wem das Geld zuzurechnen ist. Beispielsweise kann vereinbart werden, dass das Guthaben auf dem Konto jedem in Abhängigkeit der Höhe seiner Einzahlungen gehört, abweichend von der ansonsten angenommenen hälftigen Aufteilung.",{"innerBlocks":3967,"name":3569,"postId":3561,"originalContent":3968,"get_parent":3969,"attributes":3970,"dynamicContent":30},[],"\u003Cp>Anhand dieser Vereinbarung kann bei Bedarf dem Finanzamt gegenüber dargelegt werden, dass nur der alleinige einzahlende Kontoinhaber auch über das Guthaben verfügen darf und es sich dementsprechend nicht um eine Schenkung im steuerlichen Sinne handelt. Im Zweifelsfall ist es ratsam, einen Steuerberater zu konsultieren, um die individuelle Situation zu klären.\u003C\u002Fp>",{},{"content":3971,"dropCap":16,"anchor":3566},"Anhand dieser Vereinbarung kann bei Bedarf dem Finanzamt gegenüber dargelegt werden, dass nur der alleinige einzahlende Kontoinhaber auch über das Guthaben verfügen darf und es sich dementsprechend nicht um eine Schenkung im steuerlichen Sinne handelt. Im Zweifelsfall ist es ratsam, einen Steuerberater zu konsultieren, um die individuelle Situation zu klären.",{"innerBlocks":3973,"name":3945,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":3974,"attributes":3975},[],{},{"name":3945,"data":3976},{"color":3977,"title":3978,"description":3979,"emoji":3980,"link":3981,"button_text":3566},"orange","Formsache","Grundsätzlich ist bei dieser Vereinbarung keine Schriftform erforderlich. Um die Vereinbarung aber glaubhaft nachzuweisen, ist eine Schriftform hier sinnvoll, wenn etwa das Finanzamt nachfragt. Zudem sollten weitere Dokumente wie Quittungen, Ein- und Auszahlungsbelege sowie Kontoauszüge als Nachweise aufbewahrt werden.","📝","\u002F",{"innerBlocks":3983,"name":3560,"postId":3561,"originalContent":3984,"get_parent":3985,"attributes":3986,"dynamicContent":30},[],"\u003Ch2>Worauf solltest du achten?\u003C\u002Fh2>",{},{"content":3987,"level":80,"anchor":3566},"Worauf solltest du achten?",{"innerBlocks":3989,"name":3569,"postId":3561,"originalContent":3990,"get_parent":3991,"attributes":3992,"dynamicContent":30},[],"\u003Cp>Bei Partnerkonten gibt es einige Punkte zu beachten. Insbesondere den Aspekt der gemeinsamen Haftung solltest du dir bewusst machen – denn für Schulden haften die Kontoinhaber eines Gemeinschaftskontos zusammen, unabhängig davon, wer die Schulden verursacht hat.\u003C\u002Fp>",{},{"content":3993,"dropCap":16,"anchor":3566},"Bei Partnerkonten gibt es einige Punkte zu beachten. Insbesondere den Aspekt der gemeinsamen Haftung solltest du dir bewusst machen – denn für Schulden haften die Kontoinhaber eines Gemeinschaftskontos zusammen, unabhängig davon, wer die Schulden verursacht hat.",{"innerBlocks":3995,"name":3560,"postId":3561,"originalContent":3996,"get_parent":3997,"attributes":3998,"dynamicContent":30},[],"\u003Ch3>Gesamtschuldnerische Haftung\u003C\u002Fh3>",{},{"content":3999,"level":107,"anchor":3566},"Gesamtschuldnerische Haftung",{"innerBlocks":4001,"name":3569,"postId":3561,"originalContent":4002,"get_parent":4003,"attributes":4004,"dynamicContent":30},[],"\u003Cp>Ein gemeinsames Konto bedeutet auch eine gemeinsame Haftung – für Schulden oder Kontoüberziehungen haften alle Kontoinhaber gesamtschuldnerisch. Auch im Falle einer Kontopfändung haften die Kontoinhaber zusammen. Je nach Gestaltung des Gemeinschaftskontos könnte einer der Kontoinhaber ohne Wissen oder Zustimmung des anderen das Guthaben oder auch das Dispolimit abschöpfen. Unabhängig davon, wer die Schulden verursacht hat, haften beide Kontoinhaber individuell für die gesamten Schulden auf dem Konto – die Bank könnte also jeden einzeln in Regress nehmen. Bevor du mit einer anderen Person ein Partnerkonto eröffnest, solltet ihr also offen über eure finanzielle Situation und eventuelle Probleme sprechen und auf eine ausreichende Vertrauensbasis achten.\u003C\u002Fp>",{},{"content":4005,"dropCap":16,"anchor":3566},"Ein gemeinsames Konto bedeutet auch eine gemeinsame Haftung – für Schulden oder Kontoüberziehungen haften alle Kontoinhaber gesamtschuldnerisch. Auch im Falle einer Kontopfändung haften die Kontoinhaber zusammen. Je nach Gestaltung des Gemeinschaftskontos könnte einer der Kontoinhaber ohne Wissen oder Zustimmung des anderen das Guthaben oder auch das Dispolimit abschöpfen. Unabhängig davon, wer die Schulden verursacht hat, haften beide Kontoinhaber individuell für die gesamten Schulden auf dem Konto – die Bank könnte also jeden einzeln in Regress nehmen. Bevor du mit einer anderen Person ein Partnerkonto eröffnest, solltet ihr also offen über eure finanzielle Situation und eventuelle Probleme sprechen und auf eine ausreichende Vertrauensbasis achten.",{"innerBlocks":4007,"name":3569,"postId":3561,"originalContent":4008,"get_parent":4009,"attributes":4010,"dynamicContent":30},[],"\u003Cp>Ist dir das Risiko einer gesamtschuldnerischen Haftung zu hoch, kannst du auch eine Kontovollmacht oder einen Shared Space in Betracht ziehen, anstatt ein Gemeinschaftskonto zu eröffnen. Auch ein sogenanntes Und-Konto reduziert die Gefahr unerwünschter Abbuchungen, denn hier müssen alle Kontoinhaber einer Transaktion zustimmen. Diese Form des Gemeinschaftskontos ist allerdings für den Alltag unpraktisch und wird eher von Vereinen oder Erbengemeinschaften verwendet, wenn das Vertrauensverhältnis nicht so hoch ist wie in einer Partnerschaft.\u003C\u002Fp>",{},{"content":4011,"dropCap":16,"anchor":3566},"Ist dir das Risiko einer gesamtschuldnerischen Haftung zu hoch, kannst du auch eine Kontovollmacht oder einen Shared Space in Betracht ziehen, anstatt ein Gemeinschaftskonto zu eröffnen. Auch ein sogenanntes Und-Konto reduziert die Gefahr unerwünschter Abbuchungen, denn hier müssen alle Kontoinhaber einer Transaktion zustimmen. Diese Form des Gemeinschaftskontos ist allerdings für den Alltag unpraktisch und wird eher von Vereinen oder Erbengemeinschaften verwendet, wenn das Vertrauensverhältnis nicht so hoch ist wie in einer Partnerschaft.",{"innerBlocks":4013,"name":3560,"postId":3561,"originalContent":4014,"get_parent":4015,"attributes":4016,"dynamicContent":30},[],"\u003Ch3>Todesfall\u003C\u002Fh3>",{},{"content":4017,"level":107,"anchor":3566},"Todesfall",{"innerBlocks":4019,"name":3569,"postId":3561,"originalContent":4020,"get_parent":4021,"attributes":4022,"dynamicContent":30},[],"\u003Cp>Wenn ein Kontoinhaber eines Gemeinschaftskontos verstirbt, kann der hinterbliebene Kontoinhaber prinzipiell weiterhin auf das Konto zugreifen und alle anfallenden Transaktionen veranlassen (bei einem Oder-Konto). In jedem Fall muss der Bank der Todesfall mitgeteilt und die Sterbeurkunde eingereicht werden. Wie die Bank dann konkret verfährt, ist unterschiedlich, je nach Situation kann das Gemeinschaftskonto aufgelöst oder in ein Einzelkonto umgewandelt werden. Komplizierter gestaltet es sich bei einem Und-Konto, bei dem Verfügungen nur nach Zustimmung aller Kontoinhaber vollzogen werden dürfen. Hier werden die Erben zu Kontomitinhabern. Die Vorgehensweise und Abwicklung ist vom konkreten Fall und der Bank abhängig.\u003C\u002Fp>",{},{"content":4023,"dropCap":16,"anchor":3566},"Wenn ein Kontoinhaber eines Gemeinschaftskontos verstirbt, kann der hinterbliebene Kontoinhaber prinzipiell weiterhin auf das Konto zugreifen und alle anfallenden Transaktionen veranlassen (bei einem Oder-Konto). In jedem Fall muss der Bank der Todesfall mitgeteilt und die Sterbeurkunde eingereicht werden. Wie die Bank dann konkret verfährt, ist unterschiedlich, je nach Situation kann das Gemeinschaftskonto aufgelöst oder in ein Einzelkonto umgewandelt werden. Komplizierter gestaltet es sich bei einem Und-Konto, bei dem Verfügungen nur nach Zustimmung aller Kontoinhaber vollzogen werden dürfen. Hier werden die Erben zu Kontomitinhabern. Die Vorgehensweise und Abwicklung ist vom konkreten Fall und der Bank abhängig.",{"innerBlocks":4025,"name":3560,"postId":3561,"originalContent":4026,"get_parent":4027,"attributes":4028,"dynamicContent":30},[],"\u003Ch3>Kündigung\u003C\u002Fh3>",{},{"content":4029,"level":107,"anchor":3566},"Kündigung",{"innerBlocks":4031,"name":3569,"postId":3561,"originalContent":4032,"get_parent":4033,"attributes":4034,"dynamicContent":30},[],"\u003Cp>Grundsätzlich kann ein Gemeinschaftskonto nur schriftlich und mit den Unterschriften aller Kontoinhaber gekündigt werden. Das Kündigungsschreiben sollte alle relevanten Daten enthalten sowie eine Bankverbindung, auf die ein bestehendes Guthaben überweisen werden soll. Die Kündigung kann in der Regel per Brief, E-Mail oder Fax an die Bank gesendet werden.\u003C\u002Fp>",{},{"content":4035,"dropCap":16,"anchor":3566},"Grundsätzlich kann ein Gemeinschaftskonto nur schriftlich und mit den Unterschriften aller Kontoinhaber gekündigt werden. Das Kündigungsschreiben sollte alle relevanten Daten enthalten sowie eine Bankverbindung, auf die ein bestehendes Guthaben überweisen werden soll. Die Kündigung kann in der Regel per Brief, E-Mail oder Fax an die Bank gesendet werden.",{"innerBlocks":4037,"name":3797,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":4038,"attributes":4039},[],{},{"name":3797,"data":4040},{"box_info_icon_description":4041,"box_info_icon_headline":4042,"box_info_icon_icon":4043},"Eine Umwandlung eines Gemeinschaftskontos in ein Einzelkonto wird oftmals nicht von den Banken angeboten. Einfacher ist es in der Regel, das Gemeinschaftskonto zu kündigen und bei Bedarf ein neues, eigenes Girokonto zu eröffnen.","Umwandlung in Einzelkonto möglich?","idea",{"innerBlocks":4045,"name":3560,"postId":3561,"originalContent":4046,"get_parent":4047,"attributes":4048,"dynamicContent":30},[],"\u003Ch3>Einlagensicherung\u003C\u002Fh3>",{},{"content":4049,"level":107,"anchor":3566},"Einlagensicherung",{"innerBlocks":4051,"name":3569,"postId":3561,"originalContent":4052,"get_parent":4053,"attributes":4054,"dynamicContent":30},[],"\u003Cp>Grundsätzlich steht jedem Bankkunden eine \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Feinlagensicherung\u002F\">Einlagensicherung\u003C\u002Fa> in Höhe von 100.000€ pro Bank zu. Führst du ein gemeinsames Konto mit einem Partner, erhöht sich die Einlagensicherung bei eurem Gemeinschaftskonto auf 200.000€. Hast du aber bei der kontoführenden Bank weitere Spareinlagen deponiert, wie auf einem weiteren Girokonto, Festgeld- oder Tagesgeldkonto, werden diese Guthaben auf deine 100.000€ angerechnet. Um innerhalb der gesetzlichen Einlagensicherung zu bleiben, sollte keiner von euch insgesamt mehr als 100.000€ pro Person bei einer Bank als Guthaben auf dem Giro-, Tagesgeld- oder Festgeldkonto haben.\u003C\u002Fp>",{},{"content":4055,"dropCap":16,"anchor":3566},"Grundsätzlich steht jedem Bankkunden eine \u003Ca href=\"\u002Fgeldanlage\u002Feinlagensicherung\u002F\" class=\"app-link\">Einlagensicherung\u003C\u002Fa> in Höhe von 100.000€ pro Bank zu. Führst du ein gemeinsames Konto mit einem Partner, erhöht sich die Einlagensicherung bei eurem Gemeinschaftskonto auf 200.000€. Hast du aber bei der kontoführenden Bank weitere Spareinlagen deponiert, wie auf einem weiteren Girokonto, Festgeld- oder Tagesgeldkonto, werden diese Guthaben auf deine 100.000€ angerechnet. Um innerhalb der gesetzlichen Einlagensicherung zu bleiben, sollte keiner von euch insgesamt mehr als 100.000€ pro Person bei einer Bank als Guthaben auf dem Giro-, Tagesgeld- oder Festgeldkonto haben.",{"innerBlocks":4057,"name":3560,"postId":3561,"originalContent":4058,"get_parent":4059,"attributes":4060,"dynamicContent":30},[],"\u003Ch2>Welche Kosten entstehen bei einem Gemeinschaftskonto?\u003C\u002Fh2>",{},{"content":4061,"level":80,"anchor":3566},"Welche Kosten entstehen bei einem Gemeinschaftskonto?",{"innerBlocks":4063,"name":3569,"postId":3561,"originalContent":4064,"get_parent":4065,"attributes":4066,"dynamicContent":30},[],"\u003Cp>Prinzipiell solltest du auch beim Gemeinschaftskonto auf dieselben Kostenpunkte wie bei einem normalen Girokonto achten: Kontoführungsgebühren, Kosten für Karten, Bargeldeinzahlungen und -auszahlungen sowie Zinsen auf den etwaigen Dispo. In der Regel gelten für ein Gemeinschaftskonto dieselben Konditionen wie für ein Girokonto bei der jeweiligen Bank. In unserem Gemeinschaftskonto-Vergleich findest du auch einige Partnerkonten, bei denen die Kontoführung kostenlos ist.\u003C\u002Fp>",{},{"content":4067,"dropCap":16,"anchor":3566},"Prinzipiell solltest du auch beim Gemeinschaftskonto auf dieselben Kostenpunkte wie bei einem normalen Girokonto achten: Kontoführungsgebühren, Kosten für Karten, Bargeldeinzahlungen und -auszahlungen sowie Zinsen auf den etwaigen Dispo. In der Regel gelten für ein Gemeinschaftskonto dieselben Konditionen wie für ein Girokonto bei der jeweiligen Bank. In unserem Gemeinschaftskonto-Vergleich findest du auch einige Partnerkonten, bei denen die Kontoführung kostenlos ist.",{"innerBlocks":4069,"name":3560,"postId":3561,"originalContent":4070,"get_parent":4071,"attributes":4072,"dynamicContent":30},[],"\u003Ch3>Kontoführung\u003C\u002Fh3>",{},{"content":4073,"level":107,"anchor":3566},"Kontoführung",{"innerBlocks":4075,"name":3569,"postId":3561,"originalContent":4076,"get_parent":4077,"attributes":4078,"dynamicContent":30},[],"\u003Cp>In der Regel unterscheiden sich die Gebühren und Konditionen für ein Gemeinschaftskonto nicht von denen für ein Einzelkonto. Wie auch bei Einzelkontos kann es Vergünstigungen bis zu einem bestimmten Alter oder ab einem gewissen monatlichen Geldeingang geben (etwa kostenlos bis 28 Jahre oder ab 700€ monatlichem Geldeingang).\u003C\u002Fp>",{},{"content":4079,"dropCap":16,"anchor":3566},"In der Regel unterscheiden sich die Gebühren und Konditionen für ein Gemeinschaftskonto nicht von denen für ein Einzelkonto. Wie auch bei Einzelkontos kann es Vergünstigungen bis zu einem bestimmten Alter oder ab einem gewissen monatlichen Geldeingang geben (etwa kostenlos bis 28 Jahre oder ab 700€ monatlichem Geldeingang).",{"innerBlocks":4081,"name":3560,"postId":3561,"originalContent":4082,"get_parent":4083,"attributes":4084,"dynamicContent":30},[],"\u003Ch3>Karten\u003C\u002Fh3>",{},{"content":4085,"level":107,"anchor":3566},"Karten",{"innerBlocks":4087,"name":3569,"postId":3561,"originalContent":4088,"get_parent":4089,"attributes":4090,"dynamicContent":30},[],"\u003Cp>Insbesondere bei einem Gemeinschaftskonto ist es wichtig, auf die Anzahl und Art der zum Konto gehörenden Karten zu achten. Bei den meisten Banken gehören zu einem Gemeinschaftskonto auch zwei Giro- oder Debitkarten dazu. Echte \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002F\">Kreditkarten\u003C\u002Fa> kosten größtenteils eine zusätzliche Gebühr. Achte hier auf die genauen Konditionen des Anbieters und überlege dir, welche Karten für euer Gemeinschaftskonto benötigt werden.\u003C\u002Fp>",{},{"content":4091,"dropCap":16,"anchor":3566},"Insbesondere bei einem Gemeinschaftskonto ist es wichtig, auf die Anzahl und Art der zum Konto gehörenden Karten zu achten. Bei den meisten Banken gehören zu einem Gemeinschaftskonto auch zwei Giro- oder Debitkarten dazu. Echte \u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002F\" class=\"app-link\">Kreditkarten\u003C\u002Fa> kosten größtenteils eine zusätzliche Gebühr. Achte hier auf die genauen Konditionen des Anbieters und überlege dir, welche Karten für euer Gemeinschaftskonto benötigt werden.",{"innerBlocks":4093,"name":3560,"postId":3561,"originalContent":4094,"get_parent":4095,"attributes":4096,"dynamicContent":30},[],"\u003Ch3>Geld abheben & einzahlen\u003C\u002Fh3>",{},{"content":4097,"level":107,"anchor":3566},"Geld abheben & einzahlen",{"innerBlocks":4099,"name":3569,"postId":3561,"originalContent":4100,"get_parent":4101,"attributes":4102,"dynamicContent":30},[],"\u003Cp>Beim Geld abheben und einzahlen gelten in der Regel dieselben Konditionen wie auch bei einem Einzelkonto. Wenn ihr regelmäßige Bargeldeinzahlungen oder -auszahlungen bei eurem Gemeinschaftskonto vornehmen möchtet, solltest du bei der Auswahl darauf achten, ob und wie Einzahlungen überhaupt möglich sind. Achte zudem auf die Anzahl der verfügbaren Geldautomaten und auf die Kosten für Ein- und Auszahlungen.\u003C\u002Fp>",{},{"content":4103,"dropCap":16,"anchor":3566},"Beim Geld abheben und einzahlen gelten in der Regel dieselben Konditionen wie auch bei einem Einzelkonto. Wenn ihr regelmäßige Bargeldeinzahlungen oder -auszahlungen bei eurem Gemeinschaftskonto vornehmen möchtet, solltest du bei der Auswahl darauf achten, ob und wie Einzahlungen überhaupt möglich sind. Achte zudem auf die Anzahl der verfügbaren Geldautomaten und auf die Kosten für Ein- und Auszahlungen.",{"innerBlocks":4105,"name":3560,"postId":3561,"originalContent":4106,"get_parent":4107,"attributes":4108,"dynamicContent":30},[],"\u003Ch3>Dispo\u003C\u002Fh3>",{},{"content":4109,"level":107,"anchor":3566},"Dispo",{"innerBlocks":4111,"name":3569,"postId":3561,"originalContent":4112,"get_parent":4113,"attributes":4114,"dynamicContent":30},[],"\u003Cp>Auf den Dispo solltest du beim Partnerkonto ein besonderes Augenmerk legen, denn die Kontoinhaber haften beide gemeinsam für entstandene Schulden. Demnach sind beide für den Ausgleich des Dispos und der aufgelaufenen Dispozinsen verantwortlich. Zwischen den einzelnen Banken gibt es meistens keine großen Unterschiede bezüglich der Höhe der Zinsen. Mache dich dennoch mit den Konditionen vertraut und sei dir bewusst, dass eine Kontoüberziehung einen hohen Preis hat.\u003C\u002Fp>",{},{"content":4115,"dropCap":16,"anchor":3566},"Auf den Dispo solltest du beim Partnerkonto ein besonderes Augenmerk legen, denn die Kontoinhaber haften beide gemeinsam für entstandene Schulden. Demnach sind beide für den Ausgleich des Dispos und der aufgelaufenen Dispozinsen verantwortlich. Zwischen den einzelnen Banken gibt es meistens keine großen Unterschiede bezüglich der Höhe der Zinsen. Mache dich dennoch mit den Konditionen vertraut und sei dir bewusst, dass eine Kontoüberziehung einen hohen Preis hat.",{"innerBlocks":4117,"name":3560,"postId":3561,"originalContent":4118,"get_parent":4119,"attributes":4120,"dynamicContent":30},[],"\u003Ch2>Was sind „Und-Konto“ und „Oder-Konto“?\u003C\u002Fh2>",{},{"content":4121,"level":80,"anchor":3566},"Was sind „Und-Konto“ und „Oder-Konto“?",{"innerBlocks":4123,"name":3569,"postId":3561,"originalContent":4124,"get_parent":4125,"attributes":4126,"dynamicContent":30},[],"\u003Cp>Bei Gemeinschaftskonten wird zwischen Und-Konten und Oder-Konten unterschieden. Bei Oder-Konten sind alle Kontoinhaber unabhängig voneinander verfügungsberechtigt, können also jeweils ohne Zustimmung des anderen Geld abheben, Überweisungen tätigen oder eine Einzugsermächtigung zur Lastschrift erteilen. Im Gegensatz dazu sind beim Und-Konto sämtliche Verfügungen nur gemeinsam zulässig.\u003C\u002Fp>",{},{"content":4127,"dropCap":16,"anchor":3566},"Bei Gemeinschaftskonten wird zwischen Und-Konten und Oder-Konten unterschieden. Bei Oder-Konten sind alle Kontoinhaber unabhängig voneinander verfügungsberechtigt, können also jeweils ohne Zustimmung des anderen Geld abheben, Überweisungen tätigen oder eine Einzugsermächtigung zur Lastschrift erteilen. Im Gegensatz dazu sind beim Und-Konto sämtliche Verfügungen nur gemeinsam zulässig.",{"innerBlocks":4129,"name":3594,"postId":3561,"originalContent":4130,"get_parent":4131,"attributes":4132,"dynamicContent":30},[],"\u003Cfigure class=\"wp-block-table\">\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cstrong>Transaktion\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Oder-Konto\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>\u003Cstrong>Und-Konto\u003C\u002Fstrong>\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Bargeldabhebung\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>unabhängig voneinander\u003C\u002Ftd>\u003Ctd>nur gemeinsam\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Überweisungen\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>unabhängig voneinander\u003C\u002Ftd>\u003Ctd>nur gemeinsam\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Lastschriften\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>unabhängig voneinander\u003C\u002Ftd>\u003Ctd>nur gemeinsam\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Kontoauflösung\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>nur gemeinsam\u003C\u002Ftd>\u003Ctd>nur gemeinsam\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cfigcaption>Verfügungsberechtigungen bei Gemeinschaftskonten\u003C\u002Ffigcaption>\u003C\u002Ffigure>",{},{"hasFixedLayout":16,"caption":4133,"head":4134,"body":4135,"foot":4170,"anchor":3566},"Verfügungsberechtigungen bei Gemeinschaftskonten",[],[4136,4144,4152,4158,4164],{"cells":4137},[4138,4140,4142],{"content":4139,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Transaktion\u003C\u002Fstrong>",{"content":4141,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Oder-Konto\u003C\u002Fstrong>",{"content":4143,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Und-Konto\u003C\u002Fstrong>",{"cells":4145},[4146,4148,4150],{"content":4147,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Bargeldabhebung\u003C\u002Fstrong>",{"content":4149,"tag":3614,"scope":3566,"align":3566},"unabhängig voneinander",{"content":4151,"tag":3614,"scope":3566,"align":3566},"nur gemeinsam",{"cells":4153},[4154,4156,4157],{"content":4155,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Überweisungen\u003C\u002Fstrong>",{"content":4149,"tag":3614,"scope":3566,"align":3566},{"content":4151,"tag":3614,"scope":3566,"align":3566},{"cells":4159},[4160,4162,4163],{"content":4161,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Lastschriften\u003C\u002Fstrong>",{"content":4149,"tag":3614,"scope":3566,"align":3566},{"content":4151,"tag":3614,"scope":3566,"align":3566},{"cells":4165},[4166,4168,4169],{"content":4167,"tag":3614,"scope":3566,"align":3566},"\u003Cstrong>Kontoauflösung\u003C\u002Fstrong>",{"content":4151,"tag":3614,"scope":3566,"align":3566},{"content":4151,"tag":3614,"scope":3566,"align":3566},[],{"innerBlocks":4172,"name":3569,"postId":3561,"originalContent":4173,"get_parent":4174,"attributes":4175,"dynamicContent":30},[],"\u003Cp>Das Oder-Konto ist somit wesentlich flexibler und für den Alltag besser geeignet, insbesondere bei Paaren oder Freunden, die sich ihre alltäglichen Ausgaben unkompliziert aufteilen möchten. Die Geldinstitute sehen das Oder-Konto auch meist als Standardfall an. Dir sollte dennoch das Risiko der gesamtschuldnerischen Haftung bewusst sein: Kontoinhaber haften gemeinsam für etwaige Schulden, auch wenn sie der andere Kontoinhaber verursacht hat. Hier ist also ein gewisses Maß an Vertrauen untereinander sinnvoll.\u003C\u002Fp>",{},{"content":4176,"dropCap":16,"anchor":3566},"Das Oder-Konto ist somit wesentlich flexibler und für den Alltag besser geeignet, insbesondere bei Paaren oder Freunden, die sich ihre alltäglichen Ausgaben unkompliziert aufteilen möchten. Die Geldinstitute sehen das Oder-Konto auch meist als Standardfall an. Dir sollte dennoch das Risiko der gesamtschuldnerischen Haftung bewusst sein: Kontoinhaber haften gemeinsam für etwaige Schulden, auch wenn sie der andere Kontoinhaber verursacht hat. Hier ist also ein gewisses Maß an Vertrauen untereinander sinnvoll.",{"innerBlocks":4178,"name":3569,"postId":3561,"originalContent":4179,"get_parent":4180,"attributes":4181,"dynamicContent":30},[],"\u003Cp>Beim Und-Konto hingegen müssen alle Kontoinhaber bei Verfügungen zustimmen und Entscheidungen können somit nur gemeinsam getroffen werden. Eine ungewollte Verschuldung oder Abbuchung kann hier nicht ohne vorherige Zustimmung aller passieren. Ein Und-Konto wird deshalb von Erbengemeinschaften oder auch Vereinen bevorzugt, wenn kein engeres Vertrauensverhältnis besteht.\u003C\u002Fp>",{},{"content":4182,"dropCap":16,"anchor":3566},"Beim Und-Konto hingegen müssen alle Kontoinhaber bei Verfügungen zustimmen und Entscheidungen können somit nur gemeinsam getroffen werden. Eine ungewollte Verschuldung oder Abbuchung kann hier nicht ohne vorherige Zustimmung aller passieren. Ein Und-Konto wird deshalb von Erbengemeinschaften oder auch Vereinen bevorzugt, wenn kein engeres Vertrauensverhältnis besteht.",{"innerBlocks":4184,"name":3945,"postId":3561,"originalContent":3566,"saveContent":3566,"get_parent":4185,"attributes":4186},[],{},{"name":3945,"data":4187},{"color":4188,"title":4189,"description":4190,"emoji":4191,"link":3981,"button_text":3566},"green","Gemeinschaftsverfügung statt Alleinverfügungsberechtigung","Eine Möglichkeit, um ein Oder-Konto in ein Und-Konto umzuwandeln, besteht darin, die Alleinverfügungsberechtigung zu widerrufen und in eine Gemeinschaftsverfügung umzuwandeln. Dann müssen alle Kontoinhaber bei Kontoverfügungen zustimmen. Diese Möglichkeit besteht zum Beispiel bei der Consorsbank.","💡",{"innerBlocks":4193,"name":3569,"postId":3561,"originalContent":4194,"get_parent":4195,"attributes":4196,"dynamicContent":30},[],"\u003Cp>Besonders kompliziert wird es bei Und-Konten, wenn einer der Kontoinhaber stirbt: Dann treten die Erben des verstorbenen Kontoinhabers an seine Stelle und müssen allen Kontobewegungen zustimmen. Vor allem bei mehreren Erben erhöht dies den Aufwand immens. \u003C\u002Fp>",{},{"content":4197,"dropCap":16,"anchor":3566},"Besonders kompliziert wird es bei Und-Konten, wenn einer der Kontoinhaber stirbt: Dann treten die Erben des verstorbenen Kontoinhabers an seine Stelle und müssen allen Kontobewegungen zustimmen. Vor allem bei mehreren Erben erhöht dies den Aufwand immens. ",{"innerBlocks":4199,"name":3569,"postId":3561,"originalContent":4200,"get_parent":4201,"attributes":4202,"dynamicContent":30},[],"\u003Cp>Der eigentliche Nutzen von Gemeinschaftskonten – eine Vereinfachung der gemeinsamen Finanzen, etwa in einer Beziehung – fällt also bei einem Und-Konto weg. Die meisten Banken bieten standardmäßig Gemeinschaftskonten ohnehin nur als Oder-Konten an und bieten erst gar keine Möglichkeit, ein Und-Konto zu eröffnen. Als einzige Bank, die in unserem Vergleich vertreten ist, ermöglicht die Consorsbank, statt eines Oder-Kontos, auch ein Und-Konto zu eröffnen.\u003C\u002Fp>",{},{"content":4203,"dropCap":16,"anchor":3566},"Der eigentliche Nutzen von Gemeinschaftskonten – eine Vereinfachung der gemeinsamen Finanzen, etwa in einer Beziehung – fällt also bei einem Und-Konto weg. Die meisten Banken bieten standardmäßig Gemeinschaftskonten ohnehin nur als Oder-Konten an und bieten erst gar keine Möglichkeit, ein Und-Konto zu eröffnen. Als einzige Bank, die in unserem Vergleich vertreten ist, ermöglicht die Consorsbank, statt eines Oder-Kontos, auch ein Und-Konto zu eröffnen.",{"innerBlocks":4205,"name":3569,"postId":3561,"originalContent":4206,"get_parent":4207,"attributes":4208,"dynamicContent":30},[],"\u003Cp>\u003C\u002Fp>",{},{"content":3566,"dropCap":16,"anchor":3566},{"innerBlocks":4210,"name":3569,"postId":3561,"originalContent":4206,"get_parent":4211,"attributes":4212,"dynamicContent":30},[],{},{"content":3566,"dropCap":16,"anchor":3566},[4214,4217,4219],{"title":4215,"link":4216},"Vergleich","\u002Fvergleich\u002F",{"title":4218,"link":3952},"Girokonto",{"title":7,"link":3566},"cG9zdDozMDg2MTk3",{"__typename":4222,"metaDesc":4223,"opengraphType":4224,"opengraphTitle":4225,"opengraphSiteName":4226,"opengraphImage":4227,"metaRobotsNoindex":4234,"metaRobotsNofollow":4235,"opengraphDescription":4223,"opengraphModifiedTime":4236,"opengraphPublishedTime":3566,"twitterTitle":3566,"twitterDescription":3566,"title":4225,"readingTime":580},"PostTypeSEO","Finde mit dem Gemeinschaftskonto-Vergleich schnell & einfach das beste Konto für deine Beziehung, WG oder Freundeskreis. Verglichen an über 25 Kriterien.","article","Gemeinschaftskonto-Vergleich: 32+ Konten im Test 07\u002F2026","Finanzfluss",{"__typename":4228,"sourceUrl":4229,"mediaDetails":4230},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F08\u002Fheader-gemeinschaftskonto.jpg",{"__typename":4231,"width":4232,"height":4233},"MediaDetails",1280,720,"index","follow","2026-06-12T11:22:57+00:00","Gemeinschaftskonto-Vergleich","https:\u002F\u002Fvg06.met.vgwort.de\u002Fna\u002Fba60557b50b3421ca051a9ee817494b8","\u002Fvergleich\u002Fgirokonto\u002Fgemeinschaftskonto\u002F","sub-comparison",1784640737905]