[{"data":1,"prerenderedAt":85784},["ShallowReactive",2],{"comparison-girokonto-ing":3},{"isTestPage":4,"directusData":5,"subComparisons":7233,"testPages":10101,"page":85615,"uri":85782,"type":85783},true,{"id":6,"slug":7,"title":8,"text":9,"date_updated":10,"custom_table_columns":11,"comparison":12,"product":4454,"previews":4457,"user_created":4458,"items":4464,"table_columns":7169,"disclaimer":234,"product_selection_title":21},5,"ing","ING Girokonto","\u003Cp>Das ING Girokonto bietet dir eine kostenfreie Kontoführung, vorausgesetzt, du hast einen monatlichen Geldeingang von mindestens 1.000€ oder bist unter 28 Jahre alt. Ein besonderer Vorteil dieses Kontos ist die Möglichkeit, mit der kostenlosen Visa-Debitkarte unbegrenzt und gebührenfrei Geld abzuheben. Schau dir die Konditionen des ING Girokontos genauer an und vergleiche es mit anderen Konten auf dieser Seite.\u003C\u002Fp>","2026-06-01T07:23:54.165Z",null,{"title":13,"slug":14,"date_updated":15,"factsheet":16,"product_selection_title":21,"default_parameters":22,"table_columns":35,"table_sort":228,"disclaimer":234,"user_created":235,"items":239},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[17],{"key":18,"value":19,"icon":20,"label":18},"Befragte Personen","1.193","users","Deine Girokonto Auswahl",[23,27,31],{"title":24,"key":25,"value":26},"Geldeingang p.M.","monthlyDeposit","1000",{"title":28,"key":29,"value":30},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":32,"key":33,"value":34},"Abhebungen p.M.","monthlyWithdrawalCount","4",[36,40,44,48,53,59,63,70,75,79,84,88,91,94,98,101,107,114,118,121,124,128,131,134,140,144,147,151,155,158,163,167,172,177,181,185,190,195,199,203,206,211,215,218,222,225],{"key":37,"type":37,"active":4,"label":38,"filterable":39},"provider","Anbieter",false,{"key":41,"type":42,"active":4,"label":43,"filterable":39},"label","product","Konto",{"key":45,"type":46,"active":4,"label":47,"custom_cta":11,"custom_cta_no_affiliate":11},"url","cta","Angebot",{"label":49,"key":50,"type":51,"active":4,"description":52},"Gesamtkosten p.M.","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":54,"type":54,"active":4,"description":55,"label":56,"options":57,"sort_options":58,"sortable":39},"rating","\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>","Girokonto-Test",[],[],{"key":60,"type":51,"active":4,"label":61,"mobile_rank":62},"account_maintenance_fee","Kontoführungsgebühr p.M.",1,{"key":64,"type":65,"active":4,"label":66,"options":67,"mobile_rank":69},"girocard","image","Girocard p.M.",[68],"icons-filled",3,{"key":71,"type":65,"active":4,"label":72,"options":73,"mobile_rank":74},"debitcard","Debitkarte p.M.",[68],4,{"key":76,"type":65,"active":4,"label":77,"options":78,"mobile_rank":11},"creditcard","Kreditkarte p.M.",[68],{"key":80,"type":65,"active":4,"label":81,"options":82},"contactless_payment_services","Mobile Bezahldienste",[83],"disable-tooltip",{"key":85,"type":51,"active":4,"label":86,"description":87},"free_withdrawals_per_month","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":89,"type":51,"active":4,"label":90},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":92,"type":51,"active":39,"label":93},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":95,"type":51,"active":4,"label":96,"description":97},"fee_withdrawal_non_euro_countries","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":99,"type":51,"active":39,"label":100},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":102,"type":103,"active":4,"label":104,"description":105,"options":106},"deposit_money","check","Geld einzahlen","\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>",[68],{"key":108,"type":109,"active":4,"value":11,"field":110,"label":111,"description":112,"mobile_rank":113},"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 der günstigsten enthaltenen Bankkarten nutzen kann.\u003C\u002Fspan>\u003C\u002Fp>",2,{"label":115,"key":116,"type":103,"active":4,"description":117},"Bargeld im Handel abheben","cash_in_retail","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":119,"type":51,"active":4,"label":120},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":122,"type":51,"active":39,"label":123},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":125,"type":51,"active":4,"label":126,"description":127},"fee_payment_non_euro_countries","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":129,"type":51,"active":39,"label":130},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":132,"key":133,"type":103,"active":4},"Kostenlose SEPA-Überweisung","free_wire",{"key":135,"label":136,"type":137,"active":39,"description":138,"options":139},"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>",[68],{"label":141,"key":142,"type":103,"active":4,"description":143},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":145,"key":146,"type":103,"active":4},"Zinsen auf dem Girokonto","giro_interest",{"label":148,"key":149,"type":103,"active":4,"description":150},"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":152,"type":51,"active":4,"label":153,"description":154},"free_sub_accounts","Anzahl kostenloser Unterkonten","\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":156,"type":51,"active":39,"label":157},"custody_fee","Verwahrentgelt",{"key":159,"type":160,"active":4,"label":161,"description":162},"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":164,"type":103,"active":4,"label":165,"options":166},"branches","Filialen",[],{"key":168,"type":65,"active":4,"options":169,"label":171},"online_banking",[170],"transparent","Online-Banking",{"label":173,"key":174,"type":65,"active":39,"options":175,"description":176},"App-Bewertung","app_rating",[170],"\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":178,"key":179,"type":65,"active":4,"options":180},"App-Bewertung (iOS)","app_rating_ios",[170],{"label":182,"key":183,"type":65,"active":4,"options":184},"App-Bewertung (Android)","app_rating_android",[170],{"label":186,"key":187,"type":65,"active":4,"options":188,"description":189},"Ident-Verfahren","ident_method",[170],"\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":191,"key":192,"type":65,"active":4,"options":193,"description":194},"TAN-Verfahren","tan_method",[170],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":196,"type":103,"active":4,"label":197,"options":198},"depot","Kostenloses Depot",[68],{"key":200,"type":103,"active":4,"label":201,"options":202},"account_switching_service","Kontowechsel-Service",[68],{"key":204,"type":51,"active":4,"label":205},"overdraft_interest","Dispozins",{"label":207,"key":208,"type":209,"active":4,"description":210},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":212,"type":213,"active":39,"label":214},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":216,"label":217,"type":213,"active":39},"fee_information","Entgeltinformation",{"key":219,"type":220,"active":4,"label":221,"filterable":39,"filter_type":11,"filter_options":11,"filter_condition":11},"special_features","features","Besondere Eigenschaften",{"key":223,"type":51,"active":39,"label":224},"starting_premium","Startprämie",{"label":226,"key":227,"type":103,"active":39},"Kostenlos für Studenten","is_free_for_students",[229,231],{"label":49,"key":50,"sort":230,"default_sort":39},"asc",{"label":232,"key":54,"sort":233,"default_sort":4},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Banken\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, 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>",{"first_name":236,"last_name":237,"avatar":238},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[240,393,475,602,680,758,832,920,977,1064,1146,1213,1293,1369,1442,1517,1598,1684,1760,1871,1962,2031,2092,2174,2257,2341,2419,2495,2579,2641,2699,2755,2836,2891,2976,3031,3104,3163,3248,3320,3386,3443,3505,3560,3616,3703,3751,3802,3857,3905,3955,4006,4065,4124,4193,4250,4306,4378],{"item":241},{"free_daily_account_interests":4,"wero":4,"without_schufa":39,"free_wire":4,"cash_in_retail":4,"giro_interest":39,"joint_account_possible":4,"same_primary_residence_required":39,"is_free_for_students":11,"deposit_money":4,"account_switching_service":4,"depot":39,"branches":4,"id":242,"free_sub_accounts":243,"card_preview":244,"app_rating":245,"cash_limit_per_day":246,"cash_limit_per_week":246,"cash_limit_per_month":11,"debitcard_description":247,"girocard_description":247,"deposit_protection_description":248,"giro_interest_description":11,"wero_description":11,"free_daily_account_interests_description":249,"button_info_description":11,"joint_accounts_card_count_description":250,"app_rating_android_description":11,"app_rating_ios_description":11,"is_free_for_students_description":11,"same_primary_residence_required_value":11,"same_primary_residence_required_description":11,"account_type_description":11,"joint_account_possible_value":11,"joint_account_possible_description":11,"giro_interest_value":11,"total_costs_description":11,"branches_value":11,"depot_value":11,"additional_callout_description":11,"customer_support_description":11,"tan_method_description":11,"ident_method_description":11,"cash_in_retail_description":11,"free_wire_description":11,"app_rating_description":11,"sustainability_score_description":251,"customer_service_description":11,"real_time_bankwire_description":11,"starting_premium_description":11,"account_maintenance_fee_description":252,"fee_withdrawal_euro_countries_description":11,"fee_withdrawal_non_euro_countries_description":253,"fee_payment_euro_countries_description":11,"fee_payment_non_euro_countries_description":254,"free_withdrawals_per_month_description":255,"fee_withdrawal_100_euro_countries_description":11,"fee_payment_100_euro_countries_description":11,"deposit_money_description":256,"fee_payment_100_non_euro_countries_description":254,"fee_withdrawal_100_non_euro_countries_description":254,"label_description":11,"depot_description":11,"free_sub_accounts_description":257,"branches_description":11,"support_description":11,"custody_fee_description":11,"overdraft_interest_description":258,"contactless_payment_services_description":11,"creditcard_description":259,"country":260,"real_time_bankwire":262,"customer_support":267,"account_type":11,"child_account_conditions":11,"support":269,"special_features":270,"student_rating":11,"rating_joint_account":273,"rating":273,"bank_sustainability_rating":274,"rating_without_schufa":11,"fee_payment_euro_countries":275,"fee_withdrawal_100_euro_countries":276,"fee_payment_100_euro_countries":275,"custody_fee":11,"creditcard_value":277,"debitcard_value":278,"girocard_value":278,"account_maintenance_fee":279,"overdraft_interest":280,"fee_payment_non_euro_countries":281,"fee_payment_100_non_euro_countries":282,"fee_withdrawal_100_non_euro_countries":276,"additional_callout":11,"tan_method_value":11,"ident_method_value":11,"custom_cta":11,"min_fee_withdrawal":11,"max_fee_withdrawal":11,"percentile_fee_withdrawal":11,"fixed_fee_withdrawals":283,"max_amount_free_withdrawals":11,"necessary_deposits":11,"account_fees_without_deposits":279,"account_fees_with_deposits":279,"app_rating_value":284,"sustainability_score":285,"fee_information_description":11,"fee_information":11,"real_time_bankwire_value":286,"price_performance_description":11,"free_withdrawals_per_month":287,"starting_premium":11,"fee_withdrawal_euro_countries":288,"deposit_protection":289,"button_info":11,"joint_accounts_card_count":290,"app_rating_android_value":291,"app_rating_ios_value":284,"student_account_url":11,"account_type_value":11,"label":292,"status":293,"date_updated":294,"date_created":295,"fee_withdrawal_non_euro_countries":296,"url":297,"price_performance":11,"user_updated":298,"user_created":299,"online_banking":300,"contactless_payment_services":316,"atm_network":322,"ident_method":327,"tan_method":338,"joint_account_type_chips":354,"provider":356,"girocard":364,"debitcard":373,"creditcard":383,"app_rating_ios":385,"app_rating_android":389},40,10,102,6,2500,"\u003Cp>Girocard Debit-Mastercard ist gleichzeitig eine Mastercard-Debitkarte, unter 18-Jährige kostenlos, für 18- bis 27-Jährige 6€ pro Jahr, sonst 15€ pro Jahr.\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>GLS Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Karten sind kostenpflichtig\u003C\u002Fp>","\u003Cp>🟢 Klimaschutz: 96%\u003C\u002Fp>\n\u003Cp>🟢 Korruption: 98%\u003C\u002Fp>\n\u003Cp>🟢 Gender Equality: 100%\u003C\u002Fp>\n\u003Cp>🟢 Menschenrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Arbeitsrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Biodiversität: 95%\u003C\u002Fp>\n\u003Cp>🟢 Steuern: 97%\u003C\u002Fp>","\u003Cp>3,80€ pro Monat plus 60€\u002FJahr GLS-Beitrag. Unter 27 Jahren: Kostenlos plus 12€\u002FJahr. Unter 18 Jahren kostenlos.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (min. 4€) Abhebegebühr zzgl. 1% (min. 0,77€, max. 3,83€) Fremdwährungsgebühr, Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenpflichtig bei Reisebank, an GLS-Automaten kostenlos\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Es können beliebig viele kostenpflichtige Girokonten (mit eigener IBAN) und kostenlose Tagesgeldkonten (ohne eigene IBAN) eröffnet werden."}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Es können beliebig viele kostenpflichtige Girokonten (je 3,80€\u002FMonat) und kostenlose Tagesgeldkonten eröffnet werden (immer mit dem Girokonto als Referenzkonto).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Ab 10.000€: 9,109%\u003C\u002Fp>","\u003Cp>30€ pro Jahr. 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data-sheets-root=\"1\">Die Sparkassen-Card (Debitkarte) gibt es kostenlos zum Girokonto dazu. Mit ihr kann weltweit bargeldlos an allen Girocard- und Mastercard-Akzeptanzstellen bezahlt werden.\u003C\u002Fspan>\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>S-Tagesgeld\u003C\u002Fp>","\u003Cp>Sparkassen-Card (Debitkarte) \u003C\u002Fp>","\u003Cp>Filialen nur im Raum Hamburg\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Bis zum 30. Lebensjahr kostenlos, sonst jährlich 0,195% vom Kurswert (in €) am 31.12. (mind. allerdings 10€).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Bis zum 23. Lebensjahr gibt es keine Kontoführungsgebühr, vom 23. bis 30. Lebensjahr kostet das Konto 4,95€ mtl. und ab dem 30. Lebensjahr kostet das Konto 9,95€ mtl.\u003Cspan data-sheets-root=\"1\">Bis zum 23. Lebensjahr gibt es keine Kontoführungsgebühr, vom 23. bis 30. Lebensjahr kostet das Konto 4,95€ mtl. und ab dem 30. Lebensjahr kostet das Konto 9,95€ mtl.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>1,25% (min. 5€) Abhebegebühr zzgl. 1,5% (min. 1€) Fremdwährungsgebühr. Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank (EWR), Wechselkurs von Visa oder Mastercard (je nach Karte im Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 23.574 Sparkassen-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan style=\"font-size: 10pt; font-family: Arial; font-style: normal;\" data-sheets-value=\"{"1":2,"2":"Verfügungen im girocard-System in Euro kostenlos"}\" data-sheets-userformat=\"{"2":4609,"3":{"1":0},"12":0,"15":"Arial"}\">Verfügungen im girocard-System in Euro kostenlos\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Abhängig von der Bonität\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Jährlich 36€\u003C\u002Fspan>\u003C\u002Fp>",[261],[1231,1232],{"label":264,"value":4},{"label":266,"value":4},[268,622],[268,622],3.32603,"4,95€","9,95€","9,69% - 11,69%","1,5% (min. 1€)","5€","1% (min. 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Tagesgeld-Pocket\u003C\u002Fp>","\u003Cp>Das Gemeinschaftskonto ergänzt das Hauptkonto und kann nicht ohne jeweils eigenes Girokonto bei C24 geführt werden.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Giro- oder Debitkarten (die Karten vom persönlichen Konto können mit dem Gemeinschaftskonto verknüpft werden, oder es kann je eine kostenlose virtuelle Mastercard erstellt werden). \u003C\u002Fp>","\u003Cp>Echtes Gemeinschaftskonto oder Shared Space mit unbegrenzter Anzahl an Teilnehmern möglich\u003C\u002Fp>","\u003Cp>Das Guthaben auf dem Girokonto wird mit 0,5% verzinst.\u003C\u002Fp>","\u003Cp>75€ Bonus bei C24 Kontoeröffnung und Umzug über den Check24 Kontoumzug (über unseren Link oder mit dem Code „C24FINANZF75“). Das alte Konto muss geschlossen werden. Außerdem erhältst du 0,50% Zinsen auf dem Tagesgeldkonto und 0,50% Zinsen auf dem Girokonto. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","75€ Bonus bei C24 Kontoeröffnung und Umzug über den Check24 Kontoumzug (über unseren Link oder mit dem Code „C24FINANZF75“). Das alte Konto muss geschlossen werden. Weitere Konditionen auf der Website des Anbieters.","\u003Cp>20 Abhebungen pro Monat kostenlos, danach je Abhebung 2€\u003C\u002Fp>","\u003Cp>20 Abhebungen pro Monat kostenlos, danach je Abhebung 2€, Wechselkurs: Mastercard\u003C\u002Fp>","\u003Cp>1x pro Monat bei teilnehmenden Handelspartnern kostenlos, danach 1,75%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Mit eigener IBAN, darunter ein Tagesgeldkonto"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Mit eigener IBAN, darunter ein Tagesgeldkonto\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Abhängig von der Bonität, bei Gemeinschaftskonten ist kein Dispo möglich.\u003C\u002Fp>",[1310,1311],{"label":264,"value":4},{"label":266,"value":4},[268,622],[268,622],[1315],{"feature":1316,"rating":4},"1% Cashback (max. 24€ p.M.)",3.94355,"7,49% bis 11,49%","75€ + 0,50% p.a.","oder mit anderem Konto","20","75€","2 kostenlose Karten; nur mit je eigenem 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Max","2026-05-11T06:26:19.233Z","2024-01-16T10:45:29.883Z","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-max",[1329,1331,1333],{"label":302,"logo":1330},{"id":304,"filename_download":305},{"label":307,"logo":1332},{"id":309,"filename_download":310},{"label":312,"logo":1334},{"id":314,"filename_download":315},[1336,1338],{"label":318,"logo":1337},{"id":320,"filename_download":321},{"label":535,"logo":1339},{"id":537,"filename_download":538},[1341],{"atm_networks_id":1342},{"label":375,"machines_count":548},[1344,1346],{"label":329,"image":1345},{"id":331,"filename_download":332},{"label":551,"image":1347},{"id":553,"filename_download":554},[1349],{"label":345,"image":1350},{"id":347,"filename_download":348},[1352,682],8,{"label":1354,"tan_method_value":11,"tan_method_description":11,"ident_method_value":11,"ident_method_description":11,"customer_support":11,"customer_support_description":11,"app_rating_value":11,"app_rating_description":11,"branches":39,"branches_description":11,"bic":1355,"app_rating":11,"logo":1358},"C24 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data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Virtuelle Mastercard kostenlos erhältlich"}\" data-sheets-userformat=\"{"2":11011,"3":{"1":0},"4":{"1":2,"2":15374745},"11":3,"12":0,"14":{"1":2,"2":0},"16":10}\">\u003Cspan data-sheets-formula-bar-text-style=\"font-size:13px;color:#000000;font-weight:normal;text-decoration:none;font-family:'Arial';font-style:normal;text-decoration-skip-ink:none;\">Die Girocard Debit-Mastercard ist gleichzeitig eine Debitkarte.\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Girocard Debit-Mastercard (Die Girocard ist gleichzeitig eine Mastercard-Debitkarte)\u003C\u002Fp>","\u003Cp>MEIN Tagesgeld\u003C\u002Fp>","\u003Cp>Nur eine Filiale in Bad Homburg, aber Videoberatung ortsunabhängig möglich.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1 % (min. 5€) Abhebegebühr + 1,5%  Fremdwährungsgebühr, Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank (EWR), Wechselkurs von Mastercard (je nach Karte im Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Mind. 1€, max. 5€"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":2,"2":15374745},"11":3,"12":0}\">Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank (EWR), Wechselkurs von Mastercard (je nach Karte im Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann mit der Girocard Debit-Mastercard unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>7,50€ je angefangene 5.000€ bei der Reisebank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Tagesgeld Plus von Meine Bank"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Tagesgeldkonto \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"9,45% bis zu einem Betrag von 2.000€, darüber 11,05%"}\" 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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>\u003Cspan class=\"Yjhzub\">HVB FlexSparen\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Service Card ist kostenlos\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\">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>",[261],[1774,1775],{"label":264,"value":4},{"label":266,"value":4},[268,622],[268,622],2.90135,2.35719,"12,92%","🟠 40 \u002F 100 (schwach)","https:\u002F\u002Fwww.hypovereinsbank.de\u002Fcontent\u002Fdam\u002Fhypovereinsbank\u002Fshared\u002Fpdf\u002FFID\u002FFID_Akti.pdf","1 kostenlose Karten","HypoVereinsbank AktivKonto","2026-06-29T12:24:22.850Z","2023-02-17T08:15:02.487Z"," 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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. 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Weitere Konditionen auf der Website des Anbieters.\n\nNicht möglich im Gemeinschaftskonto","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn mind. 500€ Geldeingang oder unter 30 Jahren, sonst 3,90€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der Mastercard Kreditkarte ist die Abhebung ab 50€ kostenlos, darunter 2,50€ pro Abhebung.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der Mastercard Kreditkarte ist die Abhebung ab 50€ kostenlos, darunter 2,50€ pro Abhebung. Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann ab 50€ unbegrenzt kostenlos an den Mastercard-Geldautomaten abgehoben werden, darunter pro Abhebung 2,50€.\u003C\u002Fp>\n\u003Cp>Hinzu kommen kostenlose Abhebungen an den 4.500 Cash-Group-Geldautomaten\u003C\u002Fp>","\u003Cp>Kostenlos an Geldautomaten der Deutschen Bank mit Einzahlfunktion\u003C\u002Fp>",[261],[2109,2110],{"label":264,"value":4},{"label":266,"value":4},[268],[268],[2114,2116],{"feature":2115,"rating":4},"24\u002F7 erreichbar",{"feature":2117,"rating":4},"4% p.a. 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12€\u003C\u002Fp>","\u003Cp>Santander Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Gemeinschaftskonto kann nur in einer Santander-Filiale eröffnet werden.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Beide Kontoinhaber erhalten eine Debitkarte. Zusätzlich können Kontoinhaber eine Kreditkarte zum Girokonto beantragen.\u003C\u002Fp>","\u003Cp>Keine Kontoführungsgebühr für Studenten von 18 bis 31 Jahren.\u003C\u002Fp>","\u003Cp>Mit der Visa-Debitkarte 6x p.M. kostenlos, dann 3,5 % (mind. 5,75 €). Mit der Visa-Debit grundsätzlich 4,95€. Wechselkurs: Visa\u003C\u002Fp>","\u003Cp>Mit der Visa-Debitkarte. Wechselkurs: Visa\u003C\u002Fp>","\u003Cp>Mit der Girokarte kann unbegrenzt an den CashPool-Geldautomaten und mit der Visa-Kreditkarte 6x an den Visa-Geldautomaten abgehoben werden, danach 3,5% (min. 5,75€).\u003C\u002Fp>","\u003Cp>Kostenlos am Schalter der Santander Bank (nicht in allen Filialen möglich)\u003C\u002Fp>","\u003Cp>10,20% bis 500,00€, 11,20% ab 500,01€ bis 1.000,00€, 13,45% ab 1.000,01€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">die BestCard Basic ist komplett kostenlos. \u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">A\u003C\u002Fspan>\u003Cspan data-sheets-root=\"1\">lternativ kann auch die BestCard Smart gewählt werden. Im ersten Jahr kostenlos. Ab dem zweiten Jahr muss ein Umsatz von 2.000€ vorliegen, sonst 24€. Andere Kreditkarten kostenpflichtig\u003C\u002Fspan>.\u003C\u002Fp>",[261],[2190,2191],{"label":264,"value":4},{"label":266,"value":4},[268],[268],4.59574,4.74468,"10,20% bis 13,45%","oder in Filiale","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fzkg\u002Fbestgiro-entgeltinformation.pdf","2 kostenlose Karten; kann nur in Filiale eröffnet werden","4,2 \u002F 5","Santander BestGiro","2026-07-10T08:05:23.960Z","2023-01-05T14:40:06.680Z","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fsantander-girokonto","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fpreise-leistungen\u002Fpreisverzeichnis.pdf",[2207,2209,2211],{"label":302,"logo":2208},{"id":304,"filename_download":305},{"label":307,"logo":2210},{"id":309,"filename_download":310},{"label":312,"logo":2212},{"id":314,"filename_download":315},[2214,2216,2218],{"label":318,"logo":2215},{"id":320,"filename_download":321},{"label":535,"logo":2217},{"id":537,"filename_download":538},{"label":540,"logo":2219},{"id":542,"filename_download":543},[2221,2225],{"atm_networks_id":2222},{"label":2223,"machines_count":2224},"CashPool","2.800",{"atm_networks_id":2226},{"label":547,"machines_count":548},[2228,2230],{"label":329,"image":2229},{"id":331,"filename_download":332},{"label":334,"image":2231},{"id":336,"filename_download":337},[2233,2235],{"label":561,"image":2234},{"id":563,"filename_download":564},{"label":345,"image":2236},{"id":347,"filename_download":348},[2238],58,{"label":2240,"tan_method_value":11,"tan_method_description":11,"ident_method_value":11,"ident_method_description":11,"customer_support":11,"customer_support_description":11,"app_rating_value":11,"app_rating_description":11,"branches":4,"branches_description":11,"bic":2241,"app_rating":11,"logo":2244},"Santander",[2242],{"bic":2243},"SCFBDE33XXX",{"id":2245,"filename_download":2246},"92afb486-40d5-4602-b51b-23d590d28c56","Santander_Logo_130x35.svg",{"id":74,"description":11,"label":365,"date_updated":366,"date_created":367,"user_created":368,"user_updated":369,"logo":2248},{"id":371,"filename_download":372},{"id":62,"description":11,"label":590,"date_updated":591,"date_created":592,"user_created":368,"user_updated":378,"logo":2250},{"id":594,"filename_download":595},{"id":62,"description":11,"label":590,"date_updated":591,"date_created":592,"user_created":368,"user_updated":378,"logo":2252},{"id":594,"filename_download":595},{"id":62,"online_banking_id":62,"label":302,"status":293,"date_created":386,"date_updated":387,"user_updated":378,"user_created":368,"logo":2254},{"id":304,"filename_download":305},{"id":113,"online_banking_id":62,"label":307,"status":293,"date_created":390,"date_updated":391,"user_updated":378,"user_created":368,"logo":2256},{"id":309,"filename_download":310},{"item":2258},{"free_daily_account_interests":4,"wero":4,"without_schufa":39,"free_wire":4,"cash_in_retail":4,"giro_interest":39,"joint_account_possible":4,"same_primary_residence_required":39,"is_free_for_students":11,"deposit_money":4,"account_switching_service":4,"depot":39,"branches":39,"id":1943,"free_sub_accounts":1216,"card_preview":11,"app_rating":245,"cash_limit_per_day":1874,"cash_limit_per_week":11,"cash_limit_per_month":11,"debitcard_description":2259,"girocard_description":2260,"deposit_protection_description":248,"giro_interest_description":11,"wero_description":11,"free_daily_account_interests_description":2261,"button_info_description":11,"joint_accounts_card_count_description":250,"app_rating_android_description":11,"app_rating_ios_description":11,"is_free_for_students_description":11,"same_primary_residence_required_value":11,"same_primary_residence_required_description":11,"account_type_description":11,"joint_account_possible_value":11,"joint_account_possible_description":11,"giro_interest_value":11,"total_costs_description":2262,"branches_value":2263,"depot_value":11,"additional_callout_description":11,"customer_support_description":11,"tan_method_description":11,"ident_method_description":11,"cash_in_retail_description":11,"free_wire_description":11,"app_rating_description":11,"sustainability_score_description":11,"customer_service_description":11,"real_time_bankwire_description":11,"starting_premium_description":11,"account_maintenance_fee_description":2264,"fee_withdrawal_euro_countries_description":2265,"fee_withdrawal_non_euro_countries_description":2266,"fee_payment_euro_countries_description":11,"fee_payment_non_euro_countries_description":2267,"free_withdrawals_per_month_description":2268,"fee_withdrawal_100_euro_countries_description":2269,"fee_payment_100_euro_countries_description":11,"deposit_money_description":2270,"fee_payment_100_non_euro_countries_description":2271,"fee_withdrawal_100_non_euro_countries_description":2272,"label_description":11,"depot_description":11,"free_sub_accounts_description":11,"branches_description":11,"support_description":11,"custody_fee_description":11,"overdraft_interest_description":11,"contactless_payment_services_description":11,"creditcard_description":11,"country":2273,"real_time_bankwire":2274,"customer_support":2277,"account_type":11,"child_account_conditions":11,"support":2278,"special_features":11,"student_rating":11,"rating_joint_account":2279,"rating":2279,"bank_sustainability_rating":11,"rating_without_schufa":11,"fee_payment_euro_countries":275,"fee_withdrawal_100_euro_countries":2280,"fee_payme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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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Ansonsten betragen die Kosten 4,90€.\u003C\u002Fp>","\u003Cp>200€ Bonus für die Eröffnung deines ersten Girokontos oder Girokonto Future bis zum 31.07.2026. Dafür musst du „Tipps für Sie persönlich\" zustimmen, dich mindestens einmal mit deinen eigenen Zugangsdaten in der ING App einloggen und in den ersten vier Monaten zwei aufeinanderfolgende monatliche Geldeingänge erhalten: ab 28 Jahren mindestens 1.000 €, unter 28 Jahren mindestens 700 €. Weitere Infos auf der Website des Anbieters.\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 49%\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-root=\"1\">🟡\u003C\u002Fspan> Korruption: 75%\u003C\u002Fp>\n\u003Cp>🟡 Gender Equality: 48%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 70%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 70%\u003C\u002Fp>\n\u003Cp>🟡 Biodiversität: 60%\u003C\u002Fp>\n\u003Cp>🟡 Steuern: 36%\u003C\u002Fp>","200€ Bonus für die Eröffnung deines ersten Girokontos oder Girokonto Future bis zum 31.07.2026. Dafür musst du „Tipps für Sie persönlich\" zustimmen, dich mindestens einmal mit deinen eigenen Zugangsdaten in der ING App einloggen und in den ersten vier Monaten zwei aufeinanderfolgende monatliche Geldeingänge erhalten: ab 28 Jahren mindestens 1.000 €, unter 28 Jahren mindestens 700 €. Weitere Infos 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>\n\u003Cp> \u003C\u002Fp>","\u003Cp>5 Tagesgeldkonten mit eigener IBAN möglich\u003C\u002Fp>",[261],[3046,3047],{"label":264,"value":4},{"label":266,"value":4},[268,622],[268,622],4.14249,3.2475,"9,14%","2,2%","2,20€","🟠 56 \u002F 100 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kostet 10€ für 4 Jahre. Neukunden erhalten eine Visa Debitkarte und keine Girocard.\u003Cspan data-sheets-root=\"1\"> Bestandskunden können weiterhin ihre Girocard nutzen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wird nicht mehr an Neukunden ausgegeben. Bestandskunden können weiterhin ihre Girocard nutzen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Targobank Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Wenn min. 600€ Gehaltseingang p.M., sonst 3,95€ p.M.\u003C\u002Fp>","\u003Cp>Kostenlos mit der Visa-Debitkarte\u003C\u002Fp>","\u003Cp>3,95€ Abhebegebühr + 1,85% Fremdwährungsgebühr + 2% Aufschlag auf den Wechselkurs. Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 2% (EWR) und Visa zzgl. 2% (Nicht-EWR)\u003C\u002Fp>","\u003Cp>1,85% Fremdwährungsgebühr + 2% Aufschlag auf den Wechselkurs; Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 2% (EWR) und Visa zzgl. 2% (Nicht-EWR)\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann unbegrenzt kostenlos an den 300 Targobank-Geldautomaten abgehoben werden. 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data-sheets-root=\"1\">Virtuelle Visa Platinum-Debitkarte ist bis 31.12.2025 kostenlos. 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DKB Girokonto ist kostenlos ab einem Geldeingang von 700€ pro Monat. 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Außerdem kannst du Echtzeitüberweisungen kostenlos empfangen, senden kannst du sie aber nicht.",{"innerBlocks":85652,"name":85619,"postId":85620,"originalContent":85653,"get_parent":85654,"attributes":85655,"dynamicContent":11},[],"\u003Ch2>Karten\u003C\u002Fh2>",{},{"content":85656,"level":113,"anchor":85625},"Karten",{"innerBlocks":85658,"name":85628,"postId":85620,"originalContent":85659,"get_parent":85660,"attributes":85661,"dynamicContent":11},[],"\u003Cp>Beim ING Girokonto erhältst du eine kostenlose Visa Debitkarte. Diese Karte ist eine Debitkarte, was bedeutet, dass die Beträge direkt von deinem Girokonto abgebucht werden. Sie wird von Visa ausgegeben, einer der weltweit führenden Kreditkartengesellschaften. Die Kosten für diese Karte sind bereits in der Kontoführung enthalten, es fallen also keine zusätzlichen Gebühren für dich an.\u003C\u002Fp>",{},{"content":85662,"dropCap":39,"anchor":85625},"Beim ING Girokonto erhältst du eine kostenlose Visa Debitkarte. Diese Karte ist eine Debitkarte, was bedeutet, dass die Beträge direkt von deinem Girokonto abgebucht werden. Sie wird von Visa ausgegeben, einer der weltweit führenden Kreditkartengesellschaften. Die Kosten für diese Karte sind bereits in der Kontoführung enthalten, es fallen also keine zusätzlichen Gebühren für dich an.",{"innerBlocks":85664,"name":85628,"postId":85620,"originalContent":85665,"get_parent":85666,"attributes":85667,"dynamicContent":11},[],"\u003Cp>Zusätzlich zur Visa-Debitkarte bietet die ING auch eine Girocard an. Diese Karte ist allerdings nicht kostenlos, du zahlst 0,99€ pro Monat. Mit dieser Karte kannst du in Deutschland an Geldautomaten Geld abheben und in Geschäften bezahlen. Sie ist eine gute Ergänzung zur Visa-Debitkarte, insbesondere wenn du oft in Geschäften einkaufst, die keine Kreditkarten akzeptieren.\u003C\u002Fp>",{},{"content":85668,"dropCap":39,"anchor":85625},"Zusätzlich zur Visa-Debitkarte bietet die ING auch eine Girocard an. Diese Karte ist allerdings nicht kostenlos, du zahlst 0,99€ pro Monat. Mit dieser Karte kannst du in Deutschland an Geldautomaten Geld abheben und in Geschäften bezahlen. Sie ist eine gute Ergänzung zur Visa-Debitkarte, insbesondere wenn du oft in Geschäften einkaufst, die keine Kreditkarten akzeptieren.",{"innerBlocks":85670,"name":85619,"postId":85620,"originalContent":85671,"get_parent":85672,"attributes":85673,"dynamicContent":11},[],"\u003Ch2>Vor- und Nachteile\u003C\u002Fh2>",{},{"content":85674,"level":113,"anchor":85625},"Vor- und Nachteile",{"innerBlocks":85676,"name":85628,"postId":85620,"originalContent":85677,"get_parent":85678,"attributes":85679,"dynamicContent":11},[],"\u003Cp>Das ING Girokonto bietet dir einige wirklich gute Vorteile. Besonders bei der ING ist, dass du in Deutschland überall kostenlos Geld abheben kannst. Das Konto ist kostenlos, und eine Visa Debitkarte bekommst du kostenlos dazu. Zudem bietet das ING Girokonto die Möglichkeit, Geld an Geldautomaten der ING kostenlos einzuzahlen.\u003C\u002Fp>",{},{"content":85680,"dropCap":39,"anchor":85625},"Das ING Girokonto bietet dir einige wirklich gute Vorteile. Besonders bei der ING ist, dass du in Deutschland überall kostenlos Geld abheben kannst. Das Konto ist kostenlos, und eine Visa Debitkarte bekommst du kostenlos dazu. Zudem bietet das ING Girokonto die Möglichkeit, Geld an Geldautomaten der ING kostenlos einzuzahlen.",{"innerBlocks":85682,"name":85628,"postId":85620,"originalContent":85683,"get_parent":85684,"attributes":85685,"dynamicContent":11},[],"\u003Cp>Trotz dieser Vorteile gibt es auch einige Nachteile, die du beachten solltest. So fallen Gebühren an, wenn du im Ausland Geld abhebst oder Zahlungen tätigst. Hier beträgt die Gebühr 1,99% des Betrags. \u003C\u002Fp>",{},{"content":85686,"dropCap":39,"anchor":85625},"Trotz dieser Vorteile gibt es auch einige Nachteile, die du beachten solltest. So fallen Gebühren an, wenn du im Ausland Geld abhebst oder Zahlungen tätigst. Hier beträgt die Gebühr 1,99% des Betrags.",{"innerBlocks":85688,"name":85689,"postId":85620,"originalContent":85625,"saveContent":85625,"get_parent":85690,"attributes":85691},[],"acf\u002Fpros-cons",{},{"name":85689,"data":85692},{"pros_cons_title":85693,"pros_cons_pros_0_pros_cons_pros_description":85694,"pros_cons_pros_1_pros_cons_pros_description":85695,"pros_cons_pros_2_pros_cons_pros_description":85696,"pros_cons_pros_3_pros_cons_pros_description":85697,"pros_cons_pros":74,"pros_cons_cons_0_pros_cons_cons_description":85698,"pros_cons_cons":62},"Vor- & Nachteile im Überblick","Kostenlose Kontoführung (bei monatlichem Geldeingang von mindestens 1.000€ oder wenn du unter 28 Jahre alt bist)","Unbegrenzt kostenlos Geld abheben in Deutschland","Kostenlose Visa Debitkarte","Kostenlose Einzahlungen an Geldautomaten der ING","Gebühren bei Abhebungen und Zahlungen im Ausland (1,99% des Betrags)",{"innerBlocks":85700,"name":85619,"postId":85620,"originalContent":85701,"get_parent":85702,"attributes":85703,"dynamicContent":11},[],"\u003Ch2 id=\"fuer-wen-ist-das-ing-girokonto-geeignet\">Für wen ist das ING Girokonto geeignet?\u003C\u002Fh2>",{},{"content":85704,"level":113,"anchor":85705},"Für wen ist das ING Girokonto geeignet?","fuer-wen-ist-das-ing-girokonto-geeignet",{"innerBlocks":85707,"name":85628,"postId":85620,"originalContent":85708,"get_parent":85709,"attributes":85710,"dynamicContent":11},[],"\u003Cp>Grundsätzlich eignet sich das Girokonto der ING für Jung und Alt. Es ist jedoch ein monatlicher Geldeingang von mindestens 1.000€ erforderlich, um das Konto kostenfrei nutzen zu können. Überaus attraktiv macht das ING Girokonto auch der niedrige Sollzins des Dispositionskredites. Das ist ideal für all jene Kunden, die ihr Girokonto wahrscheinlich überziehen. Wer aber oft im außereuropäischen Ausland ist und dort Bargeld abheben möchte, sollte über die Eröffnung eines Girokontos bei einer anderen Bank nachdenken (beispielsweise \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fdkb-konto\" target=\"_blank\" rel=\"noreferrer noopener\">DKB\u003C\u002Fa>). Außerhalb der Euro-Zone verlangt die ING nämlich ausnahmslos eine Gebühr.\u003C\u002Fp>",{},{"content":85711,"dropCap":39,"anchor":85625},"Grundsätzlich eignet sich das Girokonto der ING für Jung und Alt. Es ist jedoch ein monatlicher Geldeingang von mindestens 1.000€ erforderlich, um das Konto kostenfrei nutzen zu können. Überaus attraktiv macht das ING Girokonto auch der niedrige Sollzins des Dispositionskredites. Das ist ideal für all jene Kunden, die ihr Girokonto wahrscheinlich überziehen. Wer aber oft im außereuropäischen Ausland ist und dort Bargeld abheben möchte, sollte über die Eröffnung eines Girokontos bei einer anderen Bank nachdenken (beispielsweise \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fdkb-konto\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"app-link\">DKB\u003C\u002Fa>). Außerhalb der Euro-Zone verlangt die ING nämlich ausnahmslos eine Gebühr.",{"innerBlocks":85713,"name":85619,"postId":85620,"originalContent":85714,"get_parent":85715,"attributes":85716,"dynamicContent":11},[],"\u003Ch2 id=\"wie-funktioniert-der-kontowechsel-zur-ing\">Wie funktioniert der Kontowechsel zur ING?\u003C\u002Fh2>",{},{"content":85717,"level":113,"anchor":85718},"Wie funktioniert der Kontowechsel zur ING?","wie-funktioniert-der-kontowechsel-zur-ing",{"innerBlocks":85720,"name":85628,"postId":85620,"originalContent":85721,"get_parent":85722,"attributes":85723,"dynamicContent":11},[],"\u003Cp>Der \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgirokonto\u002Fing\u002Fkontowechsel\u002F\">Kontowechsel zur ING\u003C\u002Fa> funktioniert einfach. Einzige Voraussetzung: Dein Girokonto bei der Direktbank ist einsatzbereit und du hast die Zugangsdaten für den Online-Zugang. Du loggst dich ein und rufst den Kontowechselservice auf. Die ING importiert die Last- und Gutschriften der letzten 12 Monate des Girokontos bei deiner alten Bank. Welche übernommen werden sollen, klickst du einfach an. Zudem kannst du weitere hinzufügen. Die ING informiert alle Zahlungspartner und schließt den Kontowechsel dadurch ab. Dies ist die unkomplizierteste Methode, es gibt aber noch 2 weitere. Zum einen ist dies die gesetzliche Kontowechselhilfe, die aber etwas länger dauert. Zum anderen kannst du auch alles selbst erledigen und vorgefertigte Formulare der ING verwenden.\u003C\u002Fp>",{},{"content":85724,"dropCap":39,"anchor":85625},"Der \u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fing\u002Fkontowechsel\u002F\" class=\"app-link\">Kontowechsel zur ING\u003C\u002Fa> funktioniert einfach. Einzige Voraussetzung: Dein Girokonto bei der Direktbank ist einsatzbereit und du hast die Zugangsdaten für den Online-Zugang. Du loggst dich ein und rufst den Kontowechselservice auf. Die ING importiert die Last- und Gutschriften der letzten 12 Monate des Girokontos bei deiner alten Bank. Welche übernommen werden sollen, klickst du einfach an. Zudem kannst du weitere hinzufügen. Die ING informiert alle Zahlungspartner und schließt den Kontowechsel dadurch ab. Dies ist die unkomplizierteste Methode, es gibt aber noch 2 weitere. Zum einen ist dies die gesetzliche Kontowechselhilfe, die aber etwas länger dauert. Zum anderen kannst du auch alles selbst erledigen und vorgefertigte Formulare der ING verwenden.",{"innerBlocks":85726,"name":85619,"postId":85620,"originalContent":85727,"get_parent":85728,"attributes":85729,"dynamicContent":11},[],"\u003Ch2 id=\"kann-ich-mein-ing-girokonto-in-ein-gemeinschaftskonto-umwandeln\">Kann ich mein ING Girokonto in ein Gemeinschaftskonto umwandeln?\u003C\u002Fh2>",{},{"content":85730,"level":113,"anchor":85731},"Kann ich mein ING Girokonto in ein Gemeinschaftskonto umwandeln?","kann-ich-mein-ing-girokonto-in-ein-gemeinschaftskonto-umwandeln",{"innerBlocks":85733,"name":85628,"postId":85620,"originalContent":85734,"get_parent":85735,"attributes":85736,"dynamicContent":11},[],"\u003Cp>Im Gegensatz zu manch anderer Direktbank ist es bei der ING möglich, ein bestehendes Girokonto in ein Gemeinschaftskonto umzuwandeln. Alternativ kannst du natürlich ein komplett neues Gemeinschaftskonto eröffnen. Der entgegengesetzte Weg ist ebenfalls denkbar, denn die ING ermöglicht dir auch die Umwandlung eines bestehenden Gemeinschaftskontos in ein Einzelkonto.\u003C\u002Fp>",{},{"content":85737,"dropCap":39,"anchor":85625},"Im Gegensatz zu manch anderer Direktbank ist es bei der ING möglich, ein bestehendes Girokonto in ein Gemeinschaftskonto umzuwandeln. Alternativ kannst du natürlich ein komplett neues Gemeinschaftskonto eröffnen. Der entgegengesetzte Weg ist ebenfalls denkbar, denn die ING ermöglicht dir auch die Umwandlung eines bestehenden Gemeinschaftskontos in ein Einzelkonto.",{"innerBlocks":85739,"name":85619,"postId":85620,"originalContent":85740,"get_parent":85741,"attributes":85742,"dynamicContent":11},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":85743,"level":113,"anchor":85625},"Häufig gestellte Fragen",{"innerBlocks":85745,"name":85746,"postId":85620,"originalContent":85625,"saveContent":85625,"get_parent":85747,"attributes":85748},[],"acf\u002Faccordion",{},{"name":85746,"data":85749},{"accordion_0_accordion_headline":85750,"accordion_0_accordion_description":85751,"accordion_1_accordion_headline":85752,"accordion_1_accordion_description":85753,"accordion_2_accordion_headline":85754,"accordion_2_accordion_description":85755,"accordion":69},"Wie viel kostet das ING Girokonto?","Für das ING Girokonto fällt keine Kontoführungsgebühr an, wenn du einen monatlichen Geldeingang von 1.000€ hast oder unter 28 bist.","Ist das ING Girokonto zu empfehlen?","Das ING Girokonto hat eine Bewertung von 3.9 Sternen und ist damit gut. Es bietet viele Vorteile wie eine kostenlose Visa-Debitkarte und die Möglichkeit, unbegrenzt und gebührenfrei in Euro abzuheben. Trotzdem empfehlen wir dir, das ING Girokonto mit anderen Girokonten zu vergleichen, um das beste Konto für deine Bedürfnisse zu finden.","Welche Karten gibt es beim ING Girokonto?","Beim ING Girokonto erhältst du eine kostenlose Visa-Debitkarte. Zusätzlich kannst du eine Girocard für 0,99€ pro Monat erhalten.",[85757,85760,85763],{"title":85758,"link":85759},"Vergleich","\u002Fvergleich\u002F",{"title":85761,"link":85762},"Girokonto","\u002Fvergleich\u002Fgirokonto\u002F",{"title":3089,"link":85625},"cG9zdDozMDcwNjEz",{"__typename":85766,"metaDesc":85767,"opengraphType":85768,"opengraphTitle":85769,"opengraphSiteName":85770,"opengraphImage":85771,"metaRobotsNoindex":85778,"metaRobotsNofollow":85779,"opengraphDescription":85767,"opengraphModifiedTime":85780,"opengraphPublishedTime":85625,"twitterTitle":85625,"twitterDescription":85625,"title":85769,"readingTime":69},"PostTypeSEO","Du interessierst dich für das ING Girokonto? Vergleiche hier die Konditionen & Kosten mit anderen Kosten und finde die beste Option für dich.","article","ING Girokonto: Vor- und Nachteile - Finanzfluss","Finanzfluss",{"__typename":85772,"sourceUrl":85773,"mediaDetails":85774},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2022\u002F03\u002Fgirokonto-vergleich-ratgeber-scaled.jpg",{"__typename":85775,"width":85776,"height":85777},"MediaDetails",2560,1440,"index","follow","2026-02-10T08:58:30+00:00","https:\u002F\u002Fvg04.met.vgwort.de\u002Fna\u002Fc2ab07f1edb74000a0c876b816df10ac","\u002Fvergleich\u002Fgirokonto\u002Fing\u002F","sub-comparison",1784640738759]