[{"data":1,"prerenderedAt":2109},["ShallowReactive",2],{"comparison-girokonto-kinder-jugendkonto":3},{"directusData":4,"page":1875,"uri":2107,"type":2108},{"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":30,"custom_table_columns":31,"table_sort":210,"disclaimer":217,"selected_alt_product_name":30,"parent_awards":218,"award_highlight":219,"tags":30,"award_1_label":220,"award_4_label":221,"comparison":222,"user_created":387,"award_1_item":393,"award_4_item":404,"items":415,"table_columns":1813,"product_selection_title":231},93,"kinder-jugendkonto","Kinder- und Jugendkonto","\u003Ch2>Die besten Junior-Konten 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Kindern das Sparen beibringen, frühzeitig an den Umgang mit Geld und Bankkonten heranführen, Taschengeld und Geldgeschenke einfach überweisen – die Vorteile eines Kinderkontos sind vielfältig. In unserem Vergleich findest du zahlreiche Girokonten für Kinder und Jugendliche, aus denen du das beste Junior-Konto für deinen Nachwuchs auswählen kannst.\u003C\u002Fp>","2026-07-21T11:17:44.535Z",[11],{"label":12,"value":13,"icon":14},"Vergleichs-Kriterien","22","list",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,[32,35,39,43,48,54,58,63,70,74,78,82,86,91,96,102,106,109,112,115,119,122,125,128,132,135,138,144,147,150,155,160,165,170,175,178,182,186,190,193,196,199,202,206],{"key":33,"type":33,"active":15,"label":34,"filterable":16},"provider","Anbieter",{"key":36,"type":37,"active":15,"label":38,"filterable":16},"label","product","Konto",{"key":40,"type":41,"active":15,"label":42,"custom_cta":30,"custom_cta_no_affiliate":30},"url","cta","Angebot",{"label":44,"key":45,"type":46,"active":15,"description":47},"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":49,"type":49,"active":15,"description":50,"label":51,"options":52,"sort_options":53,"sortable":16},"rating","\u003Cp>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\u002Fp>","Girokonto-Test",[],[],{"key":55,"type":46,"active":15,"label":56,"mobile_rank":57},"account_maintenance_fee","Kontoführungsgebühr (p.M.)",1,{"label":59,"key":60,"type":61,"active":15,"mobile_rank":62},"Konditionen Kinderkonto","child_account_conditions","features",3,{"key":64,"type":65,"active":15,"label":66,"options":67,"mobile_rank":69},"girocard","image","Girocard",[68],"icons-filled",2,{"key":71,"type":65,"active":15,"label":72,"options":73,"mobile_rank":30},"debitcard","Debitkarte",[68],{"key":75,"type":65,"active":15,"label":76,"options":77,"mobile_rank":30},"creditcard","Kreditkarte",[68],{"label":79,"key":80,"type":81,"active":15},"Zinsen auf dem Girokonto","giro_interest","check",{"key":83,"type":81,"active":15,"label":84,"options":85},"branches","Filialen",[],{"key":87,"type":65,"active":15,"label":88,"options":89},"contactless_payment_services","Mobile Bezahldienste",[90],"disable-tooltip",{"key":92,"type":81,"active":15,"label":93,"description":94,"options":95},"deposit_money","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":97,"type":98,"active":15,"value":30,"field":99,"label":100,"description":101,"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":103,"type":46,"active":15,"label":104,"description":105},"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>",{"label":107,"key":108,"type":81,"active":16},"Bargeld im Handel","cash_in_retail",{"key":110,"type":46,"active":15,"label":111},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":113,"type":46,"active":16,"label":114},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":116,"type":46,"active":15,"label":117,"description":118},"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":120,"type":46,"active":16,"label":121},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":123,"type":46,"active":15,"label":124},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":126,"type":46,"active":16,"label":127},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":129,"type":46,"active":15,"label":130,"description":131},"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":133,"type":46,"active":16,"label":134},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":136,"key":137,"type":81,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":139,"label":140,"type":141,"active":16,"description":142,"options":143},"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],{"key":145,"type":46,"active":16,"label":146},"overdraft_interest","Dispozins",{"key":148,"type":46,"active":16,"label":149},"custody_fee","Verwahrentgelt",{"key":151,"type":152,"active":15,"label":153,"description":154},"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":156,"type":65,"active":15,"options":157,"label":159},"online_banking",[158],"transparent","Online-Banking",{"label":161,"key":162,"type":65,"active":15,"options":163,"description":164},"App-Bewertung","app_rating",[158],"\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":166,"key":167,"type":65,"active":15,"options":168,"description":169},"Ident-Verfahren","ident_method",[158],"\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":171,"key":172,"type":65,"active":15,"options":173,"description":174},"TAN-Verfahren","tan_method",[158],"\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":176,"type":46,"active":16,"label":177},"free_sub_accounts","Anzahl kostenloser Unterkonten",{"key":179,"type":81,"active":16,"label":180,"options":181},"depot","Kostenloses Depot",[68],{"key":183,"type":81,"active":16,"label":184,"options":185},"account_switching_service","Kontowechsel-Service",[68],{"key":187,"type":188,"active":16,"label":189},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":191,"label":192,"type":188,"active":16},"fee_information","Entgeltinformation",{"key":194,"type":61,"active":15,"label":195,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},"special_features","Besondere Eigenschaften",{"key":197,"type":46,"active":16,"label":198},"starting_premium","Startprämie",{"label":200,"key":201,"type":81,"active":16},"Kostenlos für Studenten","is_free_for_students",{"label":203,"key":204,"type":65,"active":16,"options":205},"App-Bewertung (iOS)","app_rating_ios",[158],{"label":207,"key":208,"type":65,"active":16,"options":209},"App-Bewertung (Android)","app_rating_android",[158],[211,214],{"label":212,"key":45,"sort":213,"default_sort":16},"Gesamtkosten p.M.","asc",{"label":215,"key":49,"sort":216,"default_sort":15},"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>",[],"0","Bestes Kinderkonto","150€ Prämie",{"title":223,"slug":224,"date_updated":225,"factsheet":226,"product_selection_title":231,"default_parameters":232,"table_columns":236,"table_sort":327,"disclaimer":217,"award_1_label":330,"award_2_label":331,"award_3_label":332,"award_4_label":333,"user_created":334,"award_1_item":338,"award_2_item":349,"award_3_item":360,"award_4_item":370},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[227],{"key":228,"value":229,"icon":230,"label":228},"Befragte Personen","1.193","users","Deine Girokonto Auswahl",[233,234,235],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[237,238,239,240,241,245,247,250,254,257,259,262,263,264,267,268,270,272,275,276,277,280,281,282,284,288,289,293,295,296,297,299,301,303,305,307,309,312,314,316,317,322,323,324,325,326],{"key":33,"type":33,"active":15,"label":34,"filterable":16},{"key":36,"type":37,"active":15,"label":38,"filterable":16},{"key":40,"type":41,"active":15,"label":42,"custom_cta":30,"custom_cta_no_affiliate":30},{"label":212,"key":45,"type":46,"active":15,"description":47},{"key":49,"type":49,"active":15,"description":242,"label":51,"options":243,"sort_options":244,"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":55,"type":46,"active":15,"label":246,"mobile_rank":57},"Kontoführungsgebühr p.M.",{"key":64,"type":65,"active":15,"label":248,"options":249,"mobile_rank":62},"Girocard p.M.",[68],{"key":71,"type":65,"active":15,"label":251,"options":252,"mobile_rank":253},"Debitkarte p.M.",[68],4,{"key":75,"type":65,"active":15,"label":255,"options":256,"mobile_rank":30},"Kreditkarte p.M.",[68],{"key":87,"type":65,"active":15,"label":88,"options":258},[90],{"key":103,"type":46,"active":15,"label":260,"description":261},"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":110,"type":46,"active":15,"label":111},{"key":113,"type":46,"active":16,"label":114},{"key":116,"type":46,"active":15,"label":265,"description":266},"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":120,"type":46,"active":16,"label":121},{"key":92,"type":81,"active":15,"label":93,"description":94,"options":269},[68],{"key":97,"type":98,"active":15,"value":30,"field":99,"label":100,"description":271,"mobile_rank":69},"\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":273,"key":108,"type":81,"active":15,"description":274},"Bargeld im Handel abheben","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":123,"type":46,"active":15,"label":124},{"key":126,"type":46,"active":16,"label":127},{"key":129,"type":46,"active":15,"label":278,"description":279},"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":133,"type":46,"active":16,"label":134},{"label":136,"key":137,"type":81,"active":15},{"key":139,"label":140,"type":141,"active":16,"description":142,"options":283},[68],{"label":285,"key":286,"type":81,"active":15,"description":287},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":79,"key":80,"type":81,"active":15},{"label":290,"key":291,"type":81,"active":15,"description":292},"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":176,"type":46,"active":15,"label":177,"description":294},"\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":148,"type":46,"active":16,"label":149},{"key":151,"type":152,"active":15,"label":153,"description":154},{"key":83,"type":81,"active":15,"label":84,"options":298},[],{"key":156,"type":65,"active":15,"options":300,"label":159},[158],{"label":161,"key":162,"type":65,"active":16,"options":302,"description":164},[158],{"label":203,"key":204,"type":65,"active":15,"options":304},[158],{"label":207,"key":208,"type":65,"active":15,"options":306},[158],{"label":166,"key":167,"type":65,"active":15,"options":308,"description":169},[158],{"label":171,"key":172,"type":65,"active":15,"options":310,"description":311},[158],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":179,"type":81,"active":15,"label":180,"options":313},[68],{"key":183,"type":81,"active":15,"label":184,"options":315},[68],{"key":145,"type":46,"active":15,"label":146},{"label":318,"key":319,"type":320,"active":15,"description":321},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":187,"type":188,"active":16,"label":189},{"key":191,"label":192,"type":188,"active":16},{"key":194,"type":61,"active":15,"label":195,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},{"key":197,"type":46,"active":16,"label":198},{"label":200,"key":201,"type":81,"active":16},[328,329],{"label":212,"key":45,"sort":213,"default_sort":16},{"label":215,"key":49,"sort":216,"default_sort":15},"Bestes Girokonto","40€ Bonus","2,25% Zinsen","75€ 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Republic","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ftrade-republic-girokonto",{"label":364,"logo":367},{"id":368,"filename_download":369},"b3989a65-29ff-42b3-ac41-03c2c64fe41d","trade-republic-logo-wide.svg",[371,380],{"item":372},{"id":62,"label":373,"url":374,"provider":375},"C24 Smart","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-smart",{"label":376,"logo":377},"C24 Bank",{"id":378,"filename_download":379},"0630e917-40cc-4574-8128-e302e324ff0d","C24_Logo_130x35.svg",{"item":381},{"id":382,"label":383,"url":384,"provider":385},35,"C24 Plus","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-plus",{"label":376,"logo":386},{"id":378,"filename_download":379},{"first_name":388,"last_name":389,"avatar":390,"image":391},"Maximilian","Thomaser","c866698e-1180-4b48-8992-83c826367791",{"id":390,"filename_download":392},"Max.jpeg",[394],{"item":395},{"id":396,"label":397,"url":398,"provider":399},76,"Berliner Volksbank 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Fremdwährungsgebühr in Höhe von 1,75%, danach 4,90€ + 1,75%. Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank zzgl. 0,35%\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank zzgl. 0,35%\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Ab der 4. 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Postbank Card plus (Debitkarte)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Postbank Card (Debitkarte)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (mind. 5,99€) Abhebegebühr + 1,85% Fremdwährungsgebühr + 0,5% Währungsumrechnungsentgelt, Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard\u002FVisa (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1,85% Fremdwährungsgebühr + 0,5% Währungsumrechnungsentgelt, Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard\u002FVisa (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann unbegrenzt kostenlos an den 7.000 Cash Group-Geldautomaten abgehoben werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos an Geldautomaten der Postbank mit Einzahlfunktion.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Postbank Tagesgeldkonto (bei Volljährigkeit)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Ab 18 Jahren. 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Junior","2026-07-20T12:39:38.891Z","2025-09-25T11:42:32.333Z","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fing-girokonto-junior",[1772,1774,1776],{"label":476,"logo":1773},{"id":478,"filename_download":479},{"label":481,"logo":1775},{"id":483,"filename_download":484},{"label":486,"logo":1777},{"id":488,"filename_download":489},[1779,1781],{"label":492,"logo":1780},{"id":494,"filename_download":495},{"label":497,"logo":1782},{"id":499,"filename_download":500},[1784],{"atm_networks_id":1785},{"label":1317,"machines_count":1318},[1787,1789,1791],{"label":508,"image":1788},{"id":510,"filename_download":511},{"label":513,"image":1790},{"id":515,"filename_download":516},{"label":721,"image":1792},{"id":723,"filename_download":724},[1794,1796],{"label":524,"image":1795},{"id":526,"filename_download":527},{"label":529,"image":1797},{"id":531,"filename_download":532},[],{"label":1800,"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":16,"branches_description":30,"bic":1801,"app_rating":30,"logo":1804},"ING",[1802],{"bic":1803},"INGDDEFFXXX",{"id":1805,"filename_download":1806},"e728b275-f0eb-43d7-b1ce-e8ec30cb592d","ING_Logo_130x35.svg",{"id":253,"description":30,"label":66,"date_updated":540,"date_created":541,"user_created":542,"user_updated":543,"logo":1808},{"id":545,"filename_download":546},{"id":57,"description":30,"label":657,"date_updated":658,"date_created":659,"user_created":542,"user_updated":552,"logo":1810},{"id":661,"filename_download":662},{"id":560,"online_banking_id":30,"label":561,"status":467,"date_created":562,"date_updated":563,"user_updated":564,"user_created":564,"logo":1812},{"id":566,"filename_download":567},[1814,1815,1816,1817,1818,1821,1822,1823,1825,1827,1829,1830,1832,1834,1836,1837,1838,1839,1840,1841,1842,1843,1844,1845,1846,1847,1848,1850,1851,1852,1853,1855,1857,1859,1861,1862,1864,1866,1867,1868,1869,1870,1871,1873],{"key":33,"type":33,"active":15,"label":34,"filterable":16},{"key":36,"type":37,"active":15,"label":38,"filterable":16},{"key":40,"type":41,"active":15,"label":42,"custom_cta":30,"custom_cta_no_affiliate":30},{"label":44,"key":45,"type":46,"active":15,"description":47},{"key":49,"type":49,"active":15,"description":50,"label":51,"options":1819,"sort_options":1820,"sortable":16},[],[],{"key":55,"type":46,"active":15,"label":56,"mobile_rank":57},{"label":59,"key":60,"type":61,"active":15,"mobile_rank":62},{"key":64,"type":65,"active":15,"label":66,"options":1824,"mobile_rank":69},[68],{"key":71,"type":65,"active":15,"label":72,"options":1826,"mobile_rank":30},[68],{"key":75,"type":65,"active":15,"label":76,"options":1828,"mobile_rank":30},[68],{"label":79,"key":80,"type":81,"active":15},{"key":83,"type":81,"active":15,"label":84,"options":1831},[],{"key":87,"type":65,"active":15,"label":88,"options":1833},[90],{"key":92,"type":81,"active":15,"label":93,"description":94,"options":1835},[68],{"key":97,"type":98,"active":15,"value":30,"field":99,"label":100,"description":101,"mobile_rank":30},{"key":103,"type":46,"active":15,"label":104,"description":105},{"label":107,"key":108,"type":81,"active":16},{"key":110,"type":46,"active":15,"label":111},{"key":113,"type":46,"active":16,"label":114},{"key":116,"type":46,"active":15,"label":117,"description":118},{"key":120,"type":46,"active":16,"label":121},{"key":123,"type":46,"active":15,"label":124},{"key":126,"type":46,"active":16,"label":127},{"key":129,"type":46,"active":15,"label":130,"description":131},{"key":133,"type":46,"active":16,"label":134},{"label":136,"key":137,"type":81,"active":15},{"key":139,"label":140,"type":141,"active":16,"description":142,"options":1849},[68],{"key":145,"type":46,"active":16,"label":146},{"key":148,"type":46,"active":16,"label":149},{"key":151,"type":152,"active":15,"label":153,"description":154},{"key":156,"type":65,"active":15,"options":1854,"label":159},[158],{"label":161,"key":162,"type":65,"active":15,"options":1856,"description":164},[158],{"label":166,"key":167,"type":65,"active":15,"options":1858,"description":169},[158],{"label":171,"key":172,"type":65,"active":15,"options":1860,"description":174},[158],{"key":176,"type":46,"active":16,"label":177},{"key":179,"type":81,"active":16,"label":180,"options":1863},[68],{"key":183,"type":81,"active":16,"label":184,"options":1865},[68],{"key":187,"type":188,"active":16,"label":189},{"key":191,"label":192,"type":188,"active":16},{"key":194,"type":61,"active":15,"label":195,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},{"key":197,"type":46,"active":16,"label":198},{"label":200,"key":201,"type":81,"active":16},{"label":203,"key":204,"type":65,"active":16,"options":1872},[158],{"label":207,"key":208,"type":65,"active":16,"options":1874},[158],{"blocks":1876,"breadcrumbs":2079,"id":2088,"seo":2089,"slug":6,"title":2105,"vgWortUrl":2106},[1877,1887,1894,1903,1909,1960,1966,1972,1979,1985,1992,1998,2004,2010,2017,2023,2029,2035,2041,2053,2059,2065],{"innerBlocks":1878,"name":1879,"postId":1880,"originalContent":1881,"order":1882,"get_parent":1883,"attributes":1884,"dynamicContent":30},[],"core\u002Fheading",3089482,"\u003Ch2>Was ist ein Kinderkonto?\u003C\u002Fh2>",0,{},{"content":1885,"level":69,"anchor":1886},"Was ist ein Kinderkonto?","",{"innerBlocks":1888,"name":1889,"postId":1880,"originalContent":1890,"get_parent":1891,"attributes":1892,"dynamicContent":30},[],"core\u002Fparagraph","\u003Cp>Ein Girokonto für unter 18-Jährige wird Kinder- oder Jugendkonto genannt. Auch die Bezeichnung als Taschengeldkonto ist gängig, da Eltern das Konto oft nutzen, um Taschengeld an ihr Kind zu überweisen. Die Eröffnung eines solchen Kontos ist je nach Bank schon ab der Geburt, in der Regel aber ab einem Alter von 7 Jahren möglich.\u003C\u002Fp>",{},{"content":1893,"dropCap":16,"anchor":1886},"Ein Girokonto für unter 18-Jährige wird Kinder- oder Jugendkonto genannt. Auch die Bezeichnung als Taschengeldkonto ist gängig, da Eltern das Konto oft nutzen, um Taschengeld an ihr Kind zu überweisen. Die Eröffnung eines solchen Kontos ist je nach Bank schon ab der Geburt, in der Regel aber ab einem Alter von 7 Jahren möglich.",{"innerBlocks":1895,"name":1896,"postId":1880,"originalContent":1886,"saveContent":1886,"get_parent":1897,"attributes":1898},[],"acf\u002Fbox-info-icon",{},{"name":1896,"data":1899},{"box_info_icon_description":1900,"box_info_icon_headline":1901,"box_info_icon_icon":1902},"Das Guthaben auf dem Junior-Konto gehört deinem Kind, dieses ist der wirtschaftliche und rechtliche Eigentümer des Geldes. Solltest du als Elternteil Schulden haben, zählt das Geld deines Kindes nicht zu deinem Vermögen und ist dadurch geschützt. Beide Elternteile haben aber eine Kontovollmacht und können somit selbst Ein- und Auszahlungen vornehmen.","Wem gehört das Geld auf dem Jugendkonto?","idea",{"innerBlocks":1904,"name":1889,"postId":1880,"originalContent":1905,"get_parent":1906,"attributes":1907,"dynamicContent":30},[],"\u003Cp>Konten für Kinder sind in der Regel kostenlos. Eine Kontoüberziehung bei einem Kinderkonto ist nicht möglich, denn das Konto wird immer als Guthabenkonto geführt. Dein Kind kann sich folglich nicht verschulden und keinen Dispokredit in Anspruch nehmen. Je nach Bank gehört eine Girocard, Debitkarte oder Prepaid-Kreditkarte zum Junior-Konto dazu. Die wesentlichen Unterschiede zu einem Erwachsenenkonto findest du zusammengefasst in der folgenden Tabelle:\u003C\u002Fp>",{},{"content":1908,"dropCap":16,"anchor":1886},"Konten für Kinder sind in der Regel kostenlos. Eine Kontoüberziehung bei einem Kinderkonto ist nicht möglich, denn das Konto wird immer als Guthabenkonto geführt. Dein Kind kann sich folglich nicht verschulden und keinen Dispokredit in Anspruch nehmen. Je nach Bank gehört eine Girocard, Debitkarte oder Prepaid-Kreditkarte zum Junior-Konto dazu. Die wesentlichen Unterschiede zu einem Erwachsenenkonto findest du zusammengefasst in der folgenden Tabelle:",{"innerBlocks":1910,"name":1911,"postId":1880,"originalContent":1912,"get_parent":1913,"attributes":1914,"dynamicContent":30},[],"core\u002Ftable","\u003Cfigure class=\"wp-block-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>\u003C\u002Fth>\u003Cth>Kinderkonto\u003C\u002Fth>\u003Cth>Erwachsenenkonto\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cstrong>Gebühren\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>meist kostenlose Kontoführung\u003C\u002Ftd>\u003Ctd>teilweise Kontoführungsgebühren\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Kontoeröffnung und Zugriff\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>Eröffnung nur mit Zustimmung aller Erziehungsberechtigten, Eltern haben Zugriff auf das Konto\u003C\u002Ftd>\u003Ctd>selbstständige Kontoeröffnung und alleiniger Kontozugriff\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Kontofunktionen\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>teils eingeschränkte Kontofunktionen\u003C\u002Ftd>\u003Ctd>voller Funktionsumfang\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>\u003Cstrong>Kontoüberziehung\u003C\u002Fstrong>\u003C\u002Ftd>\u003Ctd>nicht möglich, auch keine Kreditkarte mit Kreditrahmen\u003C\u002Ftd>\u003Ctd>Dispokredit und Kontoüberziehung\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003Cfigcaption>Unterschieden zwischen Girokonto für Kinder und Erwachsene\u003C\u002Ffigcaption>\u003C\u002Ffigure>",{},{"hasFixedLayout":16,"caption":1915,"head":1916,"body":1925,"foot":1959,"anchor":1886},"Unterschieden zwischen Girokonto für Kinder und Erwachsene",[1917],{"cells":1918},[1919,1921,1923],{"content":1886,"tag":1920,"scope":1886,"align":1886},"th",{"content":1922,"tag":1920,"scope":1886,"align":1886},"Kinderkonto",{"content":1924,"tag":1920,"scope":1886,"align":1886},"Erwachsenenkonto",[1926,1935,1943,1951],{"cells":1927},[1928,1931,1933],{"content":1929,"tag":1930,"scope":1886,"align":1886},"\u003Cstrong>Gebühren\u003C\u002Fstrong>","td",{"content":1932,"tag":1930,"scope":1886,"align":1886},"meist kostenlose Kontoführung",{"content":1934,"tag":1930,"scope":1886,"align":1886},"teilweise Kontoführungsgebühren",{"cells":1936},[1937,1939,1941],{"content":1938,"tag":1930,"scope":1886,"align":1886},"\u003Cstrong>Kontoeröffnung und Zugriff\u003C\u002Fstrong>",{"content":1940,"tag":1930,"scope":1886,"align":1886},"Eröffnung nur mit Zustimmung aller Erziehungsberechtigten, Eltern haben Zugriff auf das Konto",{"content":1942,"tag":1930,"scope":1886,"align":1886},"selbstständige Kontoeröffnung und alleiniger Kontozugriff",{"cells":1944},[1945,1947,1949],{"content":1946,"tag":1930,"scope":1886,"align":1886},"\u003Cstrong>Kontofunktionen\u003C\u002Fstrong>",{"content":1948,"tag":1930,"scope":1886,"align":1886},"teils eingeschränkte Kontofunktionen",{"content":1950,"tag":1930,"scope":1886,"align":1886},"voller Funktionsumfang",{"cells":1952},[1953,1955,1957],{"content":1954,"tag":1930,"scope":1886,"align":1886},"\u003Cstrong>Kontoüberziehung\u003C\u002Fstrong>",{"content":1956,"tag":1930,"scope":1886,"align":1886},"nicht möglich, auch keine Kreditkarte mit Kreditrahmen",{"content":1958,"tag":1930,"scope":1886,"align":1886},"Dispokredit und Kontoüberziehung",[],{"innerBlocks":1961,"name":1879,"postId":1880,"originalContent":1962,"get_parent":1963,"attributes":1964,"dynamicContent":30},[],"\u003Ch2>Worauf solltest du bei einem Junior-Konto achten?\u003C\u002Fh2>",{},{"content":1965,"level":69,"anchor":1886},"Worauf solltest du bei einem Junior-Konto achten?",{"innerBlocks":1967,"name":1889,"postId":1880,"originalContent":1968,"get_parent":1969,"attributes":1970,"dynamicContent":30},[],"\u003Cp>Wie auch bei einem klassischen \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgirokonto\u002F\">Girokonto für Erwachsene\u003C\u002Fa> solltest du bei der Wahl eines Jugendkontos einige Aspekte beachten:\u003C\u002Fp>",{},{"content":1971,"dropCap":16,"anchor":1886},"Wie auch bei einem klassischen \u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002F\" class=\"app-link\">Girokonto für Erwachsene\u003C\u002Fa> solltest du bei der Wahl eines Jugendkontos einige Aspekte beachten:",{"innerBlocks":1973,"name":1974,"postId":1880,"originalContent":1975,"get_parent":1976,"attributes":1977,"dynamicContent":30},[],"core\u002Flist","\u003Cul>\u003Cli>\u003Cstrong>Geringe Gebühren:\u003C\u002Fstrong> Die Kontoführung ist bei Kinderkonten in der Regel kostenlos. Achte darauf, dass auch für die zugehörige Karte keine Gebühren anfallen. Auch Überweisungen sowie Bargeldabhebungen sollten kostenfrei sein.\u003C\u002Fli>\u003Cli>\u003Cstrong>Bargeldabhebungen möglich:\u003C\u002Fstrong> Wenn du sicherstellen möchtest, dass dein Kind einen Zugang zu Bargeld hat, achte auf die Anzahl der verfügbaren Geldautomaten und die Anzahl kostenloser Bargeldabhebungen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Karten:\u003C\u002Fstrong> Zum Bezahlen und Geldabheben gibt es zum Kinderkonto meistens eine Girocard dazu. Manche Banken bieten auch eine \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002Fprepaid\u002F\">Prepaid-Kreditkarte\u003C\u002Fa> an.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":16,"values":1978,"anchor":1886},"\u003Cli>\n\u003Cstrong>Geringe Gebühren:\u003C\u002Fstrong> Die Kontoführung ist bei Kinderkonten in der Regel kostenlos. Achte darauf, dass auch für die zugehörige Karte keine Gebühren anfallen. Auch Überweisungen sowie Bargeldabhebungen sollten kostenfrei sein.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Bargeldabhebungen möglich:\u003C\u002Fstrong> Wenn du sicherstellen möchtest, dass dein Kind einen Zugang zu Bargeld hat, achte auf die Anzahl der verfügbaren Geldautomaten und die Anzahl kostenloser Bargeldabhebungen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Karten:\u003C\u002Fstrong> Zum Bezahlen und Geldabheben gibt es zum Kinderkonto meistens eine Girocard dazu. Manche Banken bieten auch eine \u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002Fprepaid\u002F\" class=\"app-link\">Prepaid-Kreditkarte\u003C\u002Fa> an.\u003C\u002Fli>",{"innerBlocks":1980,"name":1889,"postId":1880,"originalContent":1981,"get_parent":1982,"attributes":1983,"dynamicContent":30},[],"\u003Cp>Um das Angebot als Spar- und Taschengeldkonto attraktiver zu machen, zahlen manche Banken auch Zinsen auf das Guthaben auf dem Kinderkonto. Bei vielen Kreditinstituten kannst du auch ein eigenes Kinder-Tagesgeldkonto eröffnen.\u003C\u002Fp>",{},{"content":1984,"dropCap":16,"anchor":1886},"Um das Angebot als Spar- und Taschengeldkonto attraktiver zu machen, zahlen manche Banken auch Zinsen auf das Guthaben auf dem Kinderkonto. Bei vielen Kreditinstituten kannst du auch ein eigenes Kinder-Tagesgeldkonto eröffnen.",{"innerBlocks":1986,"name":1896,"postId":1880,"originalContent":1886,"saveContent":1886,"get_parent":1987,"attributes":1988},[],{},{"name":1896,"data":1989},{"box_info_icon_description":1990,"box_info_icon_headline":1991,"box_info_icon_icon":1902},"Auch Kindern steht bereits der Sparerpauschbetrag in Höhe von 1.000€ zu. Dazu musst du einen entsprechenden \u003Ca href=\"\u002Fgeldanlage\u002Ffreistellungsauftrag\u002F\" class=\"app-link\">Freistellungsauftrag\u003C\u002Fa> für dein Kind bei der Bank hinterlegen. Kapitalerträge wie Zinsen sind dann bis zur Freigrenze des Sparerpauschbetrags von der Kapitalertragsteuer befreit. Wenn du der Bank deines Kindes eine Nichtveranlagungsbescheinigung vorlegst, werden ebenfalls keine Steuern bis zur Höhe des Grundfreibetrags (aktuell 12.348€) auf die Kapitalerträge abgeführt und dein Kind erhält die Erträge brutto.","Sparerpauschbetrag und Nichtveranlagungsbe­schei­ni­gung",{"innerBlocks":1993,"name":1879,"postId":1880,"originalContent":1994,"get_parent":1995,"attributes":1996,"dynamicContent":30},[],"\u003Ch2>Wie eröffnest du ein Girokonto für Kinder?\u003C\u002Fh2>",{},{"content":1997,"level":69,"anchor":1886},"Wie eröffnest du ein Girokonto für Kinder?",{"innerBlocks":1999,"name":1889,"postId":1880,"originalContent":2000,"get_parent":2001,"attributes":2002,"dynamicContent":30},[],"\u003Cp>Bereits im Antragsprozess musst du angeben, wer die Erziehungsberechtigten deines Kindes sind. Die Eröffnung eines Girokontos für dein Kind ist nur mit Zustimmung aller gesetzlichen Vertreter des Kindes möglich. Die Zustimmung kann je nach Bank durch die Unterschrift der Erziehungsberechtigten auf dem Kontoantrag oder durch Ausfüllen einer separaten Erklärung erteilt werden.\u003C\u002Fp>",{},{"content":2003,"dropCap":16,"anchor":1886},"Bereits im Antragsprozess musst du angeben, wer die Erziehungsberechtigten deines Kindes sind. Die Eröffnung eines Girokontos für dein Kind ist nur mit Zustimmung aller gesetzlichen Vertreter des Kindes möglich. Die Zustimmung kann je nach Bank durch die Unterschrift der Erziehungsberechtigten auf dem Kontoantrag oder durch Ausfüllen einer separaten Erklärung erteilt werden.",{"innerBlocks":2005,"name":1889,"postId":1880,"originalContent":2006,"get_parent":2007,"attributes":2008,"dynamicContent":30},[],"\u003Cp>Beim Identifikations-Verfahren sind die Geburtsurkunde des Kindes sowie die Ausweise der Erziehungsberechtigten vorzulegen. Bei Alleinerziehenden mit alleinigem Sorgerecht oder unverheirateten Paaren sind meist noch weitere Dokumente wie ein Sorgerechtsbeschluss oder der Heiratsurkunde erforderlich, um das Konto für das Kind eröffnen zu können. Teilweise müssen die Dokumente per Post bei der Bank eingereicht werden.\u003C\u002Fp>",{},{"content":2009,"dropCap":16,"anchor":1886},"Beim Identifikations-Verfahren sind die Geburtsurkunde des Kindes sowie die Ausweise der Erziehungsberechtigten vorzulegen. Bei Alleinerziehenden mit alleinigem Sorgerecht oder unverheirateten Paaren sind meist noch weitere Dokumente wie ein Sorgerechtsbeschluss oder der Heiratsurkunde erforderlich, um das Konto für das Kind eröffnen zu können. Teilweise müssen die Dokumente per Post bei der Bank eingereicht werden.",{"innerBlocks":2011,"name":1896,"postId":1880,"originalContent":1886,"saveContent":1886,"get_parent":2012,"attributes":2013},[],{},{"name":1896,"data":2014},{"box_info_icon_description":2015,"box_info_icon_headline":2016,"box_info_icon_icon":1902},"Minderjährige mit einem Arbeitsvertrag können auch ohne Zustimmung der Eltern ein Jugendkonto eröffnen. Allerdings müssen die Eltern zuvor dem Arbeitsvertrag zustimmen. Dann ist ein Girokonto für den Erhalt der Lohnzahlungen erforderlich und der Jugendliche kann selbst ein Junior-Konto ohne Zustimmung eröffnen (§ 113 BGB). Der Bank muss dann der Arbeitsvertrag als Nachweis vorgelegt werden. Für ein Ausbildungsverhältnis gilt diese Ausnahme allerdings nicht.","Jugendliche mit Arbeitsvertrag",{"innerBlocks":2018,"name":1879,"postId":1880,"originalContent":2019,"get_parent":2020,"attributes":2021,"dynamicContent":30},[],"\u003Ch2>Was sind die Besonderheiten bei einem Kinderkonto?\u003C\u002Fh2>",{},{"content":2022,"level":69,"anchor":1886},"Was sind die Besonderheiten bei einem Kinderkonto?",{"innerBlocks":2024,"name":1889,"postId":1880,"originalContent":2025,"get_parent":2026,"attributes":2027,"dynamicContent":30},[],"\u003Cp>Grundlegende Bankdienstleistungen wie Einzahlungen und Abhebungen sind auch bei einem Kinderkonto möglich. Allerdings wird keine Überziehung des Kontos gestattet und es werden keine echten Kreditkarten ausgegeben. Dadurch soll verhindert werden, dass sich Kinder bereits verschulden.\u003C\u002Fp>",{},{"content":2028,"dropCap":16,"anchor":1886},"Grundlegende Bankdienstleistungen wie Einzahlungen und Abhebungen sind auch bei einem Kinderkonto möglich. Allerdings wird keine Überziehung des Kontos gestattet und es werden keine echten Kreditkarten ausgegeben. Dadurch soll verhindert werden, dass sich Kinder bereits verschulden.",{"innerBlocks":2030,"name":1889,"postId":1880,"originalContent":2031,"get_parent":2032,"attributes":2033,"dynamicContent":30},[],"\u003Cp>Ist dein Kind noch jünger als 7 Jahre und damit nicht geschäftsfähig, erhält es zunächst keinen Zugriff auf das Konto und auch keine Bankkarten. Das Kinderkonto dient dann in erster Linie als Sparkonto. Zwischen 7 und 18 gelten Kinder als beschränkt geschäftsfähig und haben somit die Möglichkeit, auf ihr Konto zuzugreifen und selbst Bankgeschäfte wie Überweisungen oder Bargeldabhebungen zu tätigen.\u003C\u002Fp>",{},{"content":2034,"dropCap":16,"anchor":1886},"Ist dein Kind noch jünger als 7 Jahre und damit nicht geschäftsfähig, erhält es zunächst keinen Zugriff auf das Konto und auch keine Bankkarten. Das Kinderkonto dient dann in erster Linie als Sparkonto. Zwischen 7 und 18 gelten Kinder als beschränkt geschäftsfähig und haben somit die Möglichkeit, auf ihr Konto zuzugreifen und selbst Bankgeschäfte wie Überweisungen oder Bargeldabhebungen zu tätigen.",{"innerBlocks":2036,"name":1889,"postId":1880,"originalContent":2037,"get_parent":2038,"attributes":2039,"dynamicContent":30},[],"\u003Cp>Bei einem Kinderkonto lassen sich die Funktionen im Vergleich zu einem Girokonto für Erwachsene einschränken. So können Eltern bei vielen Banken etwa die maximale Höhe für Bargeldauszahlung und Überweisungen festlegen. Damit haben die Erziehungsberechtigten die Kontrolle über das Konto und können Transaktionen verfolgen und überwachen. So können die Eltern ihrem Kind helfen, seine Finanzen zu verwalten und können bei Bedarf einschreiten.\u003C\u002Fp>",{},{"content":2040,"dropCap":16,"anchor":1886},"Bei einem Kinderkonto lassen sich die Funktionen im Vergleich zu einem Girokonto für Erwachsene einschränken. So können Eltern bei vielen Banken etwa die maximale Höhe für Bargeldauszahlung und Überweisungen festlegen. Damit haben die Erziehungsberechtigten die Kontrolle über das Konto und können Transaktionen verfolgen und überwachen. So können die Eltern ihrem Kind helfen, seine Finanzen zu verwalten und können bei Bedarf einschreiten.",{"innerBlocks":2042,"name":2043,"postId":1880,"originalContent":1886,"saveContent":1886,"get_parent":2044,"attributes":2045},[],"acf\u002Fdashed-card",{},{"name":2043,"data":2046},{"color":2047,"title":2048,"description":2049,"emoji":2050,"link":2051,"button_text":2052},"orange","Junior-Depot-Vergleich","Wenn du für dein Kind nicht nur Geld ansparen, sondern auch Kapital investieren möchtest, findest du in unserem Junior-Depot-Vergleich die besten Depots für den frühzeitigen Vermögensaufbau für deinen Nachwuchs.","🍼","\u002Fvergleich\u002Fjunior-depot\u002F","Zum Vergleich",{"innerBlocks":2054,"name":1879,"postId":1880,"originalContent":2055,"get_parent":2056,"attributes":2057,"dynamicContent":30},[],"\u003Ch2>Was passiert, wenn dein Kind volljährig wird?\u003C\u002Fh2>",{},{"content":2058,"level":69,"anchor":1886},"Was passiert, wenn dein Kind volljährig wird?",{"innerBlocks":2060,"name":1889,"postId":1880,"originalContent":2061,"get_parent":2062,"attributes":2063,"dynamicContent":30},[],"\u003Cp>Insbesondere, wenn dein Kind schon älter ist und bald volljährig wird, solltest du bei der Kontoeröffnung darauf achten, was mit dem Konto geschieht, sobald dein Kind 18 wird. Viele Banken bieten eine Weiterführung des Kontos zu denselben Konditionen bis zu einem gewissen Alter an. Auch eine Umstellung auf ein neues Girokonto für Erwachsene ist möglich. Einige Banken bieten auch kostenlose \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgirokonto\u002Fstudenten\u002F\">Girokonten für Studenten\u003C\u002Fa> oder verzichten bis zu einem bestimmten Alter des Kontoinhabers auf Kontoführungsgebühren.\u003C\u002Fp>",{},{"content":2064,"dropCap":16,"anchor":1886},"Insbesondere, wenn dein Kind schon älter ist und bald volljährig wird, solltest du bei der Kontoeröffnung darauf achten, was mit dem Konto geschieht, sobald dein Kind 18 wird. Viele Banken bieten eine Weiterführung des Kontos zu denselben Konditionen bis zu einem gewissen Alter an. Auch eine Umstellung auf ein neues Girokonto für Erwachsene ist möglich. Einige Banken bieten auch kostenlose \u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fstudenten\u002F\" class=\"app-link\">Girokonten für Studenten\u003C\u002Fa> oder verzichten bis zu einem bestimmten Alter des Kontoinhabers auf Kontoführungsgebühren.",{"innerBlocks":2066,"name":2067,"postId":1880,"originalContent":1886,"saveContent":1886,"get_parent":2068,"attributes":2069},[],"acf\u002Faccordion",{},{"name":2067,"data":2070},{"accordion_0_accordion_headline":2071,"accordion_0_accordion_description":2072,"accordion_1_accordion_headline":2073,"accordion_1_accordion_description":2074,"accordion_2_accordion_headline":2075,"accordion_2_accordion_description":2076,"accordion_3_accordion_headline":2077,"accordion_3_accordion_description":2078,"accordion":253},"Welche Bank ist die beste für Kinderkonten?","\u003Cspan style=\"font-weight: 400;\">Die Wahl der besten Bank für ein Kinderkonto hängt von den individuellen Bedürfnissen ab, aber einige Banken bieten besonders attraktive Konditionen. In unserem Vergleich sind die Kinderkonten der DKB, der Pax-Bank und der Commerzbank am besten bewertet. Achte auf eine kostenlose Kontoführung, die verfügbaren Karten und die Konditionen bei Erreichen der Volljährigkeit. \u003C\u002Fspan>","Ist ein Kinderkonto sinnvoll?","\u003Cspan style=\"font-weight: 400;\">Ein Kinderkonto ist sinnvoll, da es Kindern den verantwortungsvollen Umgang mit Geld beibringt. Es bietet eine sichere Möglichkeit, Taschengeld zu verwalten und erste finanzielle Erfahrungen zu sammeln. Mit Funktionen wie Überweisungen und Bargeldabhebungen lernen Kinder den Umgang mit Bankdienstleistungen. Zudem sind Kinderkonten in der Regel kostenlos und schützen durch die fehlende Überziehungsmöglichkeit vor Verschuldung.\u003C\u002Fspan>","Wie viel Geld darf auf ein Kinderkonto?","\u003Cspan style=\"font-weight: 400;\">Es gibt keine gesetzliche Obergrenze für das Guthaben auf einem Kinderkonto. Allerdings sollten Eltern darauf achten, dass das Konto nicht für größere Vermögensübertragungen genutzt wird, um steuerliche Nachteile (wie Schenkungssteuer) zu vermeiden. Bei hohen verzinsten Guthaben können ein Freistellungsauftrag oder eine Nichtveranlagungsbescheinigung sinnvoll sein, um Kapitalerträge steuerfrei zu halten. Ein Kinderkonto eignet sich vorwiegend für Taschengeld, Sparbeträge oder kleinere Geschenke.\u003C\u002Fspan>","Wann darf ein Kind ein Konto eröffnen?","\u003Cspan style=\"font-weight: 400;\">Ein Kind kann in der Regel ab 7 Jahren ein Konto eröffnen, da es dann als beschränkt geschäftsfähig gilt. Die Eröffnung erfordert die Zustimmung der Erziehungsberechtigten und erfolgt oft mit Vorlage der Geburtsurkunde und der Ausweise der Eltern. Bei bestimmten Voraussetzungen, wie einem Arbeitsvertrag, können Jugendliche auch ohne Zustimmung der Eltern ein Konto eröffnen. Bei manchen Banken ist ein Konto auch bereits ab 0 Jahren möglich, allerdings mit stark eingeschränkten Funktionen. \u003C\u002Fspan>",[2080,2083,2086],{"title":2081,"link":2082},"Vergleich","\u002Fvergleich",{"title":2084,"link":2085},"Girokonto","\u002Fvergleich\u002Fgirokonto\u002F",{"title":7,"link":2087},"\u002Fvergleich\u002Fgirokonto\u002Fkinder-jugendkonto","cG9zdDozMDg5NDgy",{"__typename":2090,"metaDesc":2091,"opengraphType":2092,"opengraphTitle":2093,"opengraphSiteName":2094,"opengraphImage":2095,"metaRobotsNoindex":2102,"metaRobotsNofollow":2103,"opengraphDescription":2091,"opengraphModifiedTime":2104,"opengraphPublishedTime":1886,"twitterTitle":1886,"twitterDescription":1886,"title":2093,"readingTime":253},"PostTypeSEO","Bring deinem Kind das Sparen bei, mit dem passenden Junior-Konto. Finde hier das passende Kinderkonto: DKB, Comdirect, Commerzbank, PaxBank u.v.m.","article","Kinderkonto & Jugendkonto: 10+ Konten im Vergleich (2026)","Finanzfluss",{"__typename":2096,"sourceUrl":2097,"mediaDetails":2098},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F12\u002Fheader-giro-kinder-scaled.jpg",{"__typename":2099,"width":2100,"height":2101},"MediaDetails",2560,1440,"index","follow","2025-01-31T13:30:20+00:00","Kinder- und Jugendkonto Vergleich 2026","https:\u002F\u002Fvg06.met.vgwort.de\u002Fna\u002F73b47cd28a85412c82e36369741c995b","\u002Fvergleich\u002Fgirokonto\u002Fkinder-jugendkonto\u002F","sub-comparison",1784640738484]