[{"data":1,"prerenderedAt":5582},["ShallowReactive",2],{"comparison-girokonto-kostenloses-gemeinschaftskonto":3},{"directusData":4,"page":5343,"uri":5580,"type":5581},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":15,"show_filter":15,"show_layout_toggle":16,"default_parameters":17,"default_filter_parameters":30,"items_filter":31,"custom_table_columns":39,"table_sort":217,"disclaimer":224,"selected_alt_product_name":30,"parent_awards":225,"award_highlight":38,"tags":30,"award_1_label":226,"award_2_label":227,"award_3_label":228,"comparison":229,"user_created":4573,"award_1_item":4579,"award_2_item":4584,"award_3_item":4589,"items":4597,"table_columns":5283,"product_selection_title":235},101,"kostenloses-gemeinschaftskonto","Kostenloses Gemeinschaftskonto","\u003Ch2>Die besten kostenfreien Partnerkonten (07\u002F2026)\u003C\u002Fh2>\n\u003Cp>In unserem Vergleich von Gemeinschaftskonten ohne Kontoführungsgebühren kannst du aus über 10 verschiedenen Angeboten an gemeinsamen Konten und Shared-Spaces das beste kostenlose Konto für dich und deinen Partner oder deine Freunde auswählen. Vergleiche verschiedene Kriterien wie Kontoführungsgebühr, Bankkarten und Leistungen, finde ein passendes Konto und eröffne es gleich.\u003C\u002Fp>","2026-07-01T07:39:29.835Z",[11],{"key":12,"value":13,"icon":14,"label":12},"Befragte Personen","1.193","users",true,false,[18,22,26],{"title":19,"key":20,"value":21},"Geldeingang p.M.","monthlyDeposit","1000",{"title":23,"key":24,"value":25},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":27,"key":28,"value":29},"Abhebungen p.M.","monthlyWithdrawalCount","4",null,[32,35],{"key":33,"filter":34},"joint_account_possible","notempty",{"key":36,"filter":37,"value":38},"account_maintenance_fee","notgreaterthan","0",[40,43,47,51,56,62,65,68,72,76,80,86,90,94,99,105,111,116,119,122,125,129,132,135,138,142,145,148,154,157,160,163,168,172,177,182,187,192,195,199,203,207,210,214],{"key":41,"type":41,"active":15,"label":42,"filterable":16},"provider","Anbieter",{"key":44,"type":45,"active":15,"label":46,"filterable":16},"label","product","Konto",{"key":48,"type":49,"active":15,"label":50,"custom_cta":30,"custom_cta_no_affiliate":30},"url","cta","Angebot",{"label":52,"key":53,"type":54,"active":15,"description":55},"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":57,"type":57,"active":16,"description":58,"label":59,"options":60,"sort_options":61,"sortable":16},"rating","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fspan>\u003C\u002Fp>","Girokonto-Test",[],[],{"label":63,"key":64,"type":57,"active":15},"Gemeinschaftskonto-Test","rating_joint_account",{"key":36,"type":54,"active":15,"label":66,"mobile_rank":67},"Kontoführungsgebühr (p.M.)",1,{"label":69,"key":70,"type":71,"active":15},"Art des Gemeinschaftskontos","joint_account_type_chips","chips",{"label":73,"key":74,"type":54,"active":15,"mobile_rank":75},"Karten beim Gemeinschaftskonto","joint_accounts_card_count",2,{"label":77,"key":33,"type":78,"active":16,"description":79},"Gemeinschaftskonto","check","\u003Cp>Es handelt sich entweder um ein echtes Gemeinschaftskonto oder um einen Shared Space. Nur bei einem echten Gemeinschaftskonto haben beide Kontoinhaber die gleichen Rechte. Wenn es ein Shared Space ist, erkennst du das am Info-Icon neben dem grünen Haken. Hier erfährst du auch die maximale Teilnehmerzahl für den Shared Space. \u003C\u002Fp>",{"key":81,"type":82,"active":15,"label":83,"options":84,"mobile_rank":30},"girocard","image","Girocard",[85],"icons-filled",{"key":87,"type":82,"active":15,"label":88,"options":89,"mobile_rank":30},"debitcard","Debitkarte",[85],{"key":91,"type":82,"active":15,"label":92,"options":93,"mobile_rank":30},"creditcard","Kreditkarte",[85],{"key":95,"type":82,"active":15,"label":96,"options":97},"contactless_payment_services","Mobile Bezahldienste",[98],"disable-tooltip",{"key":100,"type":78,"active":15,"label":101,"description":102,"options":103,"mobile_rank":104},"deposit_money","Geld einzahlen","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Unter Geld einzahlen verstehen wir, dass Bargeld ab 100€ überregional eingezahlt werden kann. Zudem werden nur Möglichkeiten zum Einzahlen angezeigt, die mit der günstigsten Bankkarte funktionieren.\u003C\u002Fspan>\u003C\u002Fp>",[85],3,{"key":106,"type":107,"active":15,"value":30,"field":108,"label":109,"description":110,"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":112,"type":54,"active":15,"label":113,"description":114,"mobile_rank":115},"free_withdrawals_per_month","Anzahl kostenloser Abhebungen p.M.","\u003Cp>Bei manchen Konten gibt es einen Mindestbetrag, den man pro Vorgang abheben muss. Wenn dieser Betrag größer als 50€ ist, zeigen wir diesen per Tooltip an. Beachte zudem, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat. Achte daher darauf, ob der Geldautomat zusätzliche Gebühren auf dem Display anzeigt.\u003C\u002Fp>",4,{"label":117,"key":118,"type":78,"active":16},"Bargeld im Handel","cash_in_retail",{"key":120,"type":54,"active":15,"label":121},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":123,"type":54,"active":16,"label":124},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":126,"type":54,"active":15,"label":127,"description":128},"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":130,"type":54,"active":16,"label":131},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":133,"type":54,"active":15,"label":134},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":136,"type":54,"active":16,"label":137},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":139,"type":54,"active":15,"label":140,"description":141},"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":143,"type":54,"active":16,"label":144},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":146,"key":147,"type":78,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":149,"label":150,"type":151,"active":16,"description":152,"options":153},"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>",[85],{"label":155,"key":156,"type":78,"active":15},"Zinsen auf dem Girokonto","giro_interest",{"key":158,"type":54,"active":15,"label":159},"overdraft_interest","Dispozins",{"key":161,"type":54,"active":16,"label":162},"custody_fee","Verwahrentgelt",{"key":164,"type":165,"active":15,"label":166,"description":167},"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":169,"type":78,"active":15,"label":170,"options":171},"branches","Filialen",[],{"key":173,"type":82,"active":15,"options":174,"label":176},"online_banking",[175],"transparent","Online-Banking",{"label":178,"key":179,"type":82,"active":15,"options":180,"description":181},"App-Bewertung","app_rating",[175],"\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":183,"key":184,"type":82,"active":15,"options":185,"description":186},"Ident-Verfahren","ident_method",[175],"\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":188,"key":189,"type":82,"active":15,"options":190,"description":191},"TAN-Verfahren","tan_method",[175],"\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":193,"type":54,"active":16,"label":194},"free_sub_accounts","Anzahl kostenloser Unterkonten",{"key":196,"type":78,"active":16,"label":197,"options":198},"depot","Kostenloses Depot",[85],{"key":200,"type":78,"active":15,"label":201,"options":202},"account_switching_service","Kontowechsel-Service",[85],{"key":204,"type":205,"active":16,"label":206},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":208,"label":209,"type":205,"active":16},"fee_information","Entgeltinformation",{"key":211,"type":212,"active":15,"label":213,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},"special_features","features","Besondere Eigenschaften",{"key":215,"type":54,"active":16,"label":216},"starting_premium","Startprämie",[218,221],{"label":219,"key":53,"sort":220,"default_sort":16},"Gesamtkosten p.M.","asc",{"label":222,"key":57,"sort":223,"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>",[],"Bestes Partner-Konto","75€ + 0,50% Bonus","200€ bonus",{"title":230,"slug":231,"date_updated":232,"factsheet":233,"product_selection_title":235,"default_parameters":236,"table_columns":240,"table_sort":337,"disclaimer":224,"award_1_label":340,"award_2_label":341,"award_3_label":342,"award_4_label":343,"user_created":344,"award_1_item":348,"award_2_item":359,"award_3_item":370,"award_4_item":380,"items":397},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[234],{"key":12,"value":13,"icon":14,"label":12},"Deine Girokonto Auswahl",[237,238,239],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[241,242,243,244,245,249,251,254,257,260,262,265,266,267,270,271,274,276,279,280,281,284,285,286,288,292,293,297,299,300,301,303,305,307,311,315,317,320,322,324,325,330,331,332,333,334],{"key":41,"type":41,"active":15,"label":42,"filterable":16},{"key":44,"type":45,"active":15,"label":46,"filterable":16},{"key":48,"type":49,"active":15,"label":50,"custom_cta":30,"custom_cta_no_affiliate":30},{"label":219,"key":53,"type":54,"active":15,"description":55},{"key":57,"type":57,"active":15,"description":246,"label":59,"options":247,"sort_options":248,"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":36,"type":54,"active":15,"label":250,"mobile_rank":67},"Kontoführungsgebühr p.M.",{"key":81,"type":82,"active":15,"label":252,"options":253,"mobile_rank":104},"Girocard p.M.",[85],{"key":87,"type":82,"active":15,"label":255,"options":256,"mobile_rank":115},"Debitkarte p.M.",[85],{"key":91,"type":82,"active":15,"label":258,"options":259,"mobile_rank":30},"Kreditkarte p.M.",[85],{"key":95,"type":82,"active":15,"label":96,"options":261},[98],{"key":112,"type":54,"active":15,"label":263,"description":264},"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":120,"type":54,"active":15,"label":121},{"key":123,"type":54,"active":16,"label":124},{"key":126,"type":54,"active":15,"label":268,"description":269},"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":130,"type":54,"active":16,"label":131},{"key":100,"type":78,"active":15,"label":101,"description":272,"options":273},"\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>",[85],{"key":106,"type":107,"active":15,"value":30,"field":108,"label":109,"description":275,"mobile_rank":75},"\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":277,"key":118,"type":78,"active":15,"description":278},"Bargeld im Handel abheben","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":133,"type":54,"active":15,"label":134},{"key":136,"type":54,"active":16,"label":137},{"key":139,"type":54,"active":15,"label":282,"description":283},"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":143,"type":54,"active":16,"label":144},{"label":146,"key":147,"type":78,"active":15},{"key":149,"label":150,"type":151,"active":16,"description":152,"options":287},[85],{"label":289,"key":290,"type":78,"active":15,"description":291},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":155,"key":156,"type":78,"active":15},{"label":294,"key":295,"type":78,"active":15,"description":296},"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":193,"type":54,"active":15,"label":194,"description":298},"\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":161,"type":54,"active":16,"label":162},{"key":164,"type":165,"active":15,"label":166,"description":167},{"key":169,"type":78,"active":15,"label":170,"options":302},[],{"key":173,"type":82,"active":15,"options":304,"label":176},[175],{"label":178,"key":179,"type":82,"active":16,"options":306,"description":181},[175],{"label":308,"key":309,"type":82,"active":15,"options":310},"App-Bewertung (iOS)","app_rating_ios",[175],{"label":312,"key":313,"type":82,"active":15,"options":314},"App-Bewertung (Android)","app_rating_android",[175],{"label":183,"key":184,"type":82,"active":15,"options":316,"description":186},[175],{"label":188,"key":189,"type":82,"active":15,"options":318,"description":319},[175],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":196,"type":78,"active":15,"label":197,"options":321},[85],{"key":200,"type":78,"active":15,"label":201,"options":323},[85],{"key":158,"type":54,"active":15,"label":159},{"label":326,"key":327,"type":328,"active":15,"description":329},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":204,"type":205,"active":16,"label":206},{"key":208,"label":209,"type":205,"active":16},{"key":211,"type":212,"active":15,"label":213,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},{"key":215,"type":54,"active":16,"label":216},{"label":335,"key":336,"type":78,"active":16},"Kostenlos für Studenten","is_free_for_students",[338,339],{"label":219,"key":53,"sort":220,"default_sort":16},{"label":222,"key":57,"sort":223,"default_sort":15},"Bestes Girokonto","40€ Bonus","2,25% Zinsen","75€ Bonus",{"first_name":345,"last_name":346,"avatar":347},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[349],{"item":350},{"id":351,"label":352,"url":353,"provider":354},13,"Norisbank Top-Girokonto","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fnorisbank-top-girokonto",{"label":355,"logo":356},"Norisbank",{"id":357,"filename_download":358},"1b25d2ec-41c0-44aa-bdb8-6950d6b626bf","norisbank-logo-130x35.svg",[360],{"item":361},{"id":362,"label":363,"url":364,"provider":365},88,"BBVA Girokonto","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fbbva-girokonto",{"label":366,"logo":367},"BBVA",{"id":368,"filename_download":369},"ef47c9fe-70d3-4c63-a1bd-c8102d9f8f8c","BBVA_Logo_130x35.svg",[371],{"item":372},{"id":373,"label":374,"url":375,"provider":376},50,"Trade 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Now","2026-06-26T13:12:00.882Z","2023-01-05T10:16:51.606Z","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ftomorrow-bank-girokonto","https:\u002F\u002Fassets.tomorrow.one\u002Fde-DE\u002Flegal\u002Fpreisliste\u002Fpreisliste.pdf","db25c969-be08-469c-96ad-1403c0122c83","9ff6e63a-2147-4709-bb89-f15db5c1d252",[805,807],{"label":458,"logo":806},{"id":460,"filename_download":461},{"label":463,"logo":808},{"id":465,"filename_download":466},[810,812],{"label":474,"logo":811},{"id":476,"filename_download":477},{"label":693,"logo":813},{"id":695,"filename_download":696},[815],{"atm_networks_id":816},{"label":705,"machines_count":706},[818],{"label":485,"image":819},{"id":487,"filename_download":488},[821,823],{"label":719,"image":822},{"id":721,"filename_download":722},{"label":501,"image":824},{"id":503,"filename_download":504},[],{"label":827,"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":30,"app_rating":30,"logo":828},"Tomorrow",{"id":829,"filename_download":830},"641db935-7e3e-4f3e-99c0-0a54b3270b53","Tomorrow_Logo_130x35.svg",{"id":67,"description":30,"label":749,"date_updated":750,"date_created":751,"user_created":527,"user_updated":537,"logo":832},{"id":753,"filename_download":754},{"id":545,"online_banking_id":30,"label":546,"status":449,"date_created":547,"date_updated":548,"user_updated":455,"user_created":455,"logo":834},{"id":550,"filename_download":551},{"item":836},{"free_daily_account_interests":15,"wero":16,"without_schufa":15,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":15,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":16,"id":837,"free_sub_accounts":838,"card_preview":839,"cash_limit_per_day":635,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":67,"app_rating_android":75,"debitcard_description":840,"girocard_description":30,"deposit_protection_description":841,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":842,"button_info_description":30,"joint_accounts_card_count_description":843,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":844,"branches_value":30,"depot_value":30,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":845,"cash_in_retail_description":30,"free_wire_description":30,"app_rating_description":30,"sustainability_score_description":30,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":30,"fee_withdrawal_euro_countries_description":846,"fee_withdrawal_non_euro_countries_description":847,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":848,"free_withdrawals_per_month_description":849,"fee_withdrawal_100_euro_countries_description":30,"fee_payment_100_euro_countries_description":30,"deposit_money_description":850,"fee_payment_100_non_euro_countries_description":851,"fee_withdrawal_100_non_euro_countries_description":851,"label_description":30,"depot_description":30,"free_sub_accounts_description":852,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":853,"contactless_payment_services_description":30,"creditcard_description":30,"country":854,"real_time_bankwire":855,"customer_support":858,"account_type":30,"child_account_conditions":30,"support":859,"special_features":30,"student_rating":30,"rating_joint_account":860,"rating":860,"bank_sustainability_rating":861,"rating_without_schufa":862,"fee_payment_euro_countries":432,"fee_withdrawal_100_euro_countries":863,"fee_payment_100_euro_countries":432,"custody_fee":30,"creditcard_value":432,"debitcard_value":432,"girocard_value":30,"account_maintenance_fee":864,"overdraft_interest":865,"fee_payment_non_euro_countries":866,"fee_payment_100_non_euro_countries":867,"fee_withdrawal_100_non_euro_countries":868,"additional_callout":30,"tan_method_value":30,"ident_method_value":869,"custom_cta":30,"min_fee_withdrawal":30,"max_fee_withdrawal":30,"percentile_fee_withdrawal":30,"fixed_fee_withdrawals":863,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":864,"account_fees_with_deposits":864,"app_rating_value":675,"sustainability_score":30,"fee_information_description":209,"fee_information":870,"real_time_bankwire_value":442,"price_performance_description":671,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zur pyhsischen Karte ist 1 virtuelle Karte inklusive. \u003C\u002Fp>","\u003Cp dir=\"ltr\">Bis 100.000€ über den niederländischen Einlagensicherungsfonds Depositogarantiestelsel (DGS).\u003C\u002Fp>","\u003Cp>bunq Sparkonto\u003C\u002Fp>","\u003Cp>physische Debit-Mastercard und eine zusätzliche virtuelle Debit-Mastercard\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Ab der 6. Abhebung im Monat werden 2,99€ pro Abhebung fällig statt 0,99€.\u003C\u002Fp>","\u003Cp>Ausweisdaten hochladen\u003C\u002Fp>","\u003Cp>5x p.M. 0,99€, danach 2,99€\u003C\u002Fp>","\u003Cp>5x p.M. 0,99€ (danach 2,99€) zzgl. 0,5% Wechselkursaufschlag; Wechselkurs: Mastercard\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wechselkurs: Mastercard-Wechselkurs inkl. 0,5% Wechselkurs-Risiko\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>5 Mal kann pro Monat für 0,99€ an den Mastercard-Geldautomaten abgehoben werden, danach kostet es je Abhebung 2,99€.\u003C\u002Fp>","\u003Cp>Die ersten 100€ sind kostenlos, danach 2,5% Gebühr\u003C\u002Fp>","\u003Cp>Wechselkurs: Mastercard\u003C\u002Fp>","\u003Cp>5 weitere IBANs inklusive\u003C\u002Fp>","\u003Cp>Es wird kein Dispokredit angeboten.\u003C\u002Fp>",[418],[856,857],{"label":421,"value":15},{"label":423,"value":15},[779],[779],3.51329,3.26259,3.67121,"0,99€","3,99€","-","0,5%","0,50€","1,49€","Ausweisdaten 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Kontoinhaber.\u003C\u002Fp>",{"label":907,"tan_method_value":30,"tan_method_description":30,"ident_method_value":869,"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":30,"app_rating":30,"logo":908},"bunq",{"id":909,"filename_download":910},"dbe5eec8-7f38-4903-bbbe-9f7e668c04b5","bunq_Logo_130x35.svg",{"id":533,"description":30,"label":534,"date_updated":535,"date_created":536,"user_created":537,"user_updated":538,"logo":912},{"id":540,"filename_download":541},{"id":533,"description":30,"label":534,"date_updated":535,"date_created":536,"user_created":537,"user_updated":538,"logo":914},{"id":540,"filename_download":541},{"id":545,"online_banking_id":30,"label":546,"status":449,"date_created":547,"date_updated":548,"user_updated":455,"user_created":455,"logo":916},{"id":550,"filename_download":551},{"item":918},{"free_daily_account_interests":16,"wero":16,"without_schufa":15,"free_wire":16,"cash_in_retail":16,"giro_interest":16,"joint_account_possible":16,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":16,"account_switching_service":16,"depot":16,"branches":15,"id":919,"free_sub_accounts":67,"card_preview":30,"cash_limit_per_day":30,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":67,"app_rating_android":75,"debitcard_description":920,"girocard_description":30,"deposit_protection_description":921,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":30,"button_info_description":30,"joint_accounts_card_count_description":30,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":922,"branches_value":30,"depot_value":30,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":30,"cash_in_retail_description":30,"free_wire_description":923,"app_rating_description":30,"sustainability_score_description":30,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":924,"fee_withdrawal_euro_countries_description":925,"fee_withdrawal_non_euro_countries_description":926,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":927,"free_withdrawals_per_month_description":928,"fee_withdrawal_100_euro_countries_description":929,"fee_payment_100_euro_countries_description":930,"deposit_money_description":30,"fee_payment_100_non_euro_countries_description":931,"fee_withdrawal_100_non_euro_countries_description":932,"label_description":30,"depot_description":30,"free_sub_accounts_description":933,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":853,"contactless_payment_services_description":30,"creditcard_description":30,"country":934,"real_time_bankwire":935,"customer_support":938,"account_type":30,"child_account_conditions":30,"support":939,"special_features":940,"student_rating":30,"rating_joint_account":30,"rating":945,"bank_sustainability_rating":30,"rating_without_schufa":946,"fee_payment_euro_countries":432,"fee_withdrawal_100_euro_countries":432,"fee_payment_100_euro_countries":432,"custody_fee":30,"creditcard_value":30,"debitcard_value":432,"girocard_value":30,"account_maintenance_fee":432,"overdraft_interest":865,"fee_payment_non_euro_countries":791,"fee_payment_100_non_euro_countries":947,"fee_withdrawal_100_non_euro_countries":948,"additional_callout":30,"tan_method_value":30,"ident_method_value":30,"custom_cta":30,"min_fee_withdrawal":30,"max_fee_withdrawal":30,"percentile_fee_withdrawal":30,"fixed_fee_withdrawals":948,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":432,"account_fees_with_deposits":667,"app_rating_value":668,"sustainability_score":30,"fee_information_description":209,"fee_information":949,"real_time_bankwire_value":950,"price_performance_description":671,"free_withdrawals_per_month":672,"starting_premium":30,"fee_withdrawal_euro_countries":432,"deposit_protection":951,"button_info":30,"joint_accounts_card_count":30,"app_rating_android_value":668,"app_rating_ios_value":952,"student_account_url":30,"account_type_value":30,"label":953,"status":449,"date_updated":954,"date_created":955,"fee_withdrawal_non_euro_countries":956,"url":30,"price_performance":957,"user_updated":454,"user_created":538,"online_banking":958,"contactless_payment_services":965,"atm_network":970,"ident_method":973,"tan_method":976,"joint_account_type_chips":979,"provider":980,"girocard":30,"debitcard":985,"creditcard":30,"app_rating":9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data-sheets-root=\"1\">Virtuelle Visa Platinum-Debitkarte ist bis 31.12.2025 kostenlos. Für die physische Karte werden einmalig 4,99 € Versand fällig.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Bis 100.000€ über den österreichischen Einlagensicherungsfonds Einlagensicherung AUSTRIA Ges. m.b.H. (ESA).\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Inaktivitätsgebühr 1€ p.M., wenn zwölf Monate lang keine Kontoaktivität.\u003C\u002Fp>","\u003Cp>0,50 € pro Überweisung ab der 11. Überweisung pro Monat\u003C\u002Fp>","\u003Cp>Inaktivitätsgebühr 1€ p.M., wenn zwölf Monate lang keine Kontoaktivität. Ansonsten 0€ pro Monat. Weitere Bedingungen auf der Seite des Anbieters.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Danach 2,99€ pro Abhebung"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":2,"2":16711935},"11":3,"12":0}\">3x kostenlos in der Euro-Zone, danach 2,99€ pro Abhebung.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan style=\"font-size: 11pt; font-family: Arial; font-style: normal;\" data-sheets-value=\"{"1":2,"2":"Prozentsatz der bei Kartentransaktionen in Fremdwährung zusätzlich zu dem von Visa angewandten Wechselkurs berechnet wird"}\" data-sheets-userformat=\"{"2":13057,"3":{"1":0},"11":4,"12":0,"15":"Arial","16":11}\">2,99€ Abhebegebühr + 2% Fremdwährungsgebühr; Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">2% Fremdwährungsgebühr; Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>3 Mal kann pro Monat kostenlos an den Visa-Geldautomaten abgehoben werden, danach kostet es je Abhebung 2,99€.\u003C\u002Fp>","\u003Cp>3 kostenlose Abhebungen pro Monat, danach 2,99€ pro Abhebung\u003C\u002Fp>","\u003Cp>2% \u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Prozentsatz der bei Kartentransaktionen in Fremdwährung zusätzlich zu dem von Visa angewandten Wechselkurs berechnet wird"}\" data-sheets-userformat=\"{"2":13057,"3":{"1":0},"11":4,"12":0,"15":"Arial","16":11}\">2% Wechselkursaufschlag; Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Prozentsatz der bei Kartentransaktionen in Fremdwährung zusätzlich zu dem von Visa angewandten Wechselkurs berechnet wird"}\" data-sheets-userformat=\"{"2":13057,"3":{"1":0},"11":4,"12":0,"15":"Arial","16":11}\">Abhebegebühr, daneben können weitere Umtauschgebühren anfallen; Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Sparkonto (Unterkonto ohne eigene IBAN) mit 0,5% p.a. 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data-sheets-value=\"{"1":2,"2":"Auf Wunsch kann die Mastercard direkt ohne Bonitätsvoraussetzung und ohne Jahresbeitrag zusammen mit dem Girokonto plus beantragt werden"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":4,"12":0}\">Auf Wunsch kann die Mastercard direkt ohne Bonitätsvoraussetzung und ohne Jahresbeitrag zusammen mit dem Girokonto plus beantragt werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Norisbank Top-Zinskonto\u003C\u002Fp>","\u003Cp>Norisbank ServiceCard und Mastercard direkt sind kostenlos\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 40%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 72%\u003C\u002Fp>\n\u003Cp>🔴 Gender Equality: 38%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 56%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 65%\u003C\u002Fp>\n\u003Cp>🟡 Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 17%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der Mastercard Kreditkarte ist die Abhebung kostenlos.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan 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Baraufladung mit Paysafecash \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>3% der Transaktion; Wechselkurs: Mastercard\u003C\u002Fp>",[1314,1315],{"value":16,"label":421},{"value":16,"label":423},[779],[779],[1319,1321],{"feature":1320,"rating":16},"Keine gesetzliche Einlagensicherung",{"feature":1322,"rating":16},"Inlandsüberweisungen kosten 1,29€ pro Überweisung.",2.56085,2.68,"3%","Bild von Personalausweis\u002FReisepass und Selfie","https:\u002F\u002Fmonese.com\u002Fde\u002Fde\u002Fpricing","NONE","Monese Pay as you go","2025-12-18T05:35:12.863Z","2023-07-24T14:34:47.613Z","4%","https:\u002F\u002Fmonese.com\u002Fde\u002Fde\u002Ffees-and-limits\u002Ffee-and-limits-information",[1335,1337,1339],{"label":458,"logo":1336},{"id":460,"filename_download":461},{"label":463,"logo":1338},{"id":465,"filename_download":466},{"label":468,"logo":1340},{"id":470,"filename_download":471},[1342,1344],{"label":474,"logo":1343},{"id":476,"filename_download":477},{"label":693,"logo":1345},{"id":695,"filename_download":696},[1347],{"atm_networks_id":1348},{"label":534,"machines_count":706},[],[1351],{"label":501,"image":1352},{"id":503,"filename_download":504},[1354],{"chips_id":1355},{"text":513,"text_color":514,"border_color":30,"background_color":30,"icon":30,"description":515},{"label":1357,"tan_method_value":30,"tan_method_description":30,"ident_method_value":1326,"ident_method_description":1305,"customer_support":30,"customer_support_description":30,"app_rating_value":30,"app_rating_description":30,"branches":16,"branches_description":30,"bic":30,"app_rating":30,"logo":1358},"Monese",{"id":1359,"filename_download":1360},"5b162501-d650-41f7-88e3-4f2567bf18b5","monese_Logo_130x35-01.svg",{"id":533,"description":30,"label":534,"date_updated":535,"date_created":536,"user_created":537,"user_updated":538,"logo":1362},{"id":540,"filename_download":541},{"id":545,"online_banking_id":30,"label":546,"status":449,"date_created":547,"date_updated":548,"user_updated":455,"user_created":455,"logo":1364},{"id":550,"filename_download":551},{"item":1366},{"free_daily_account_interests":15,"wero":15,"without_schufa":16,"free_wire":15,"cash_in_retail":16,"giro_interest":16,"joint_account_possible":15,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":16,"branches":16,"id":1367,"free_sub_accounts":1368,"card_preview":30,"cash_limit_per_day":635,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":67,"app_rating_android":75,"debitcard_description":1369,"girocard_description":1369,"deposit_protection_description":1370,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":1371,"button_info_description":30,"joint_accounts_card_count_description":1372,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":30,"branches_value":1373,"depot_value":1374,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":30,"cash_in_retail_description":30,"free_wire_description":30,"app_rating_description":30,"sustainability_score_description":30,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":1375,"fee_withdrawal_euro_countries_description":30,"fee_withdrawal_non_euro_countries_description":1376,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":1000,"free_withdrawals_per_month_description":1377,"fee_withdrawal_100_euro_countries_description":1378,"fee_payment_100_euro_countries_description":30,"deposit_money_description":30,"fee_payment_100_non_euro_countries_description":1000,"fee_withdrawal_100_non_euro_countries_description":1000,"label_description":30,"depot_description":30,"free_sub_accounts_description":30,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":1379,"contactless_payment_services_description":30,"creditcard_description":1380,"country":1381,"real_time_bankwire":1382,"customer_support":1385,"account_type":30,"child_account_conditions":30,"support":1386,"special_features":30,"student_rating":30,"rating_joint_account":1387,"rating":1387,"bank_sustainability_rating":30,"rating_without_schufa":30,"fee_payment_euro_countries":432,"fee_withdrawal_100_euro_countries":1388,"fee_payment_100_euro_countries":1160,"custody_fee":865,"creditcard_value":789,"debitcard_value":432,"girocard_value":432,"account_maintenance_fee":1389,"overdraft_interest":1390,"fee_payment_non_euro_countries":1391,"fee_payment_100_non_euro_countries":1160,"fee_withdrawal_100_non_euro_countries":1392,"additional_callout":30,"tan_method_value":30,"ident_method_value":30,"custom_cta":30,"min_fee_withdrawal":30,"max_fee_withdrawal":30,"percentile_fee_withdrawal":30,"fixed_fee_withdrawals":38,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":1389,"account_fees_with_deposits":1389,"app_rating_value":668,"sustainability_score":30,"fee_information_description":30,"fee_information":30,"real_time_bankwire_value":442,"price_performance_description":30,"free_withdrawals_per_month":443,"starting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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>",[418],[1383,1384],{"label":421,"value":15},{"label":423,"value":15},[425,779],[425,779],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. 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Girocard Debit-Mastercard ist gleichzeitig eine Debitkarte.\u003C\u002Fp>","\u003Cp>Berliner Volksbank Tagesgeld\u003C\u002Fp>","\u003Cp>Girocard (gleichzeitig Debitkarte)\u003C\u002Fp>","\u003Cp>Filialen nur im Raum Berlin\u003C\u002Fp>","\u003Cp>Bei Eröffnung bis 15.09.2026: 200€ Bonus für Neukunden (keine Kundenverbindung in den letzten 24 Monaten) über 18. Voraussetzung: Ab dem 2. Monat nach der Kontoeröffnung muss für 5 Monate lang mindestens ein monatlicher Geldeingang in Höhe von 700€ erfolgen. Innerhalb der ersten 4 Wochen muss die Zustimmung zur Kommunikation per Telefon und E-Mail erteilt werden. Weitere Konditionen auf der Website des Anbieters. Das Berliner Volksbank Girokonto lässt sich als \u003Ca href=\"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fberliner-volksbank-gemeinschaftskonto\" target=\"_blank\" rel=\"noopener\">Gemeinschaftskonto*\u003C\u002Fa> eröffnen.\u003C\u002Fp>","Bei Eröffnung bis 30.06.2026: 200€ Bonus für Neukunden (keine Kundenverbindung in den letzten 24 Monaten) über 18. Voraussetzung: Ab dem 2. Monat nach der Kontoeröffnung muss für 5 Monate lang mindestens ein monatlicher Geldeingang in Höhe von 700€ erfolgen. Innerhalb der ersten 4 Wochen muss die Zustimmung zur Kommunikation per Telefon und E-Mail erteilt werden. Weitere Konditionen auf der Website des Anbieters. Das Berliner Volksbank Girokonto lässt sich als Gemeinschaftskonto eröffnen.","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit Girocard\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Abhebegebühr 1% (min. 7,50€) zzgl. Fremdwährungsgebühr in Höhe von 1,8%. Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten und eigenen Volksbank-Automaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenlos an Volksbank-Automaten\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Eine Kreditkarte ist im Kontomodell inklusive. Jede weitere Kreditkarte kostet 30€ jährlich.\u003C\u002Fspan>\u003C\u002Fp>",[418],[2036,2037],{"label":421,"value":15},{"label":423,"value":15},[425,779],[425,779],3.62007,"3,95€","11,954%","1,8% ","1,80€","200€ Bonus","https:\u002F\u002Fwww.berliner-volksbank.de\u002Fservice\u002Fpflichtinformationen\u002Fentgeltinformationen.html","200€","Berliner Volksbank Girokonto","2026-06-19T07:28:58.302Z","2023-09-06T09:30:57.839Z","1% (mind. 7,50€) + 1,8%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fberliner-volksbank-girokonto","https:\u002F\u002Fwww.berliner-volksbank.de\u002Fcontent\u002Fdam\u002Ff0120-0\u002Fwebn\u002Fdokumente\u002Fservice\u002Fagb-und-sonderbedingungen\u002Fpreisverzeichnis.pdf",[2055,2057,2059],{"label":458,"logo":2056},{"id":460,"filename_download":461},{"label":463,"logo":2058},{"id":465,"filename_download":466},{"label":468,"logo":2060},{"id":470,"filename_download":471},[2062,2064,2066,2068],{"label":474,"logo":2063},{"id":476,"filename_download":477},{"label":598,"logo":2065},{"id":600,"filename_download":601},{"label":693,"logo":2067},{"id":695,"filename_download":696},{"label":698,"logo":2069},{"id":700,"filename_download":701},[2071],{"atm_networks_id":2072},{"label":481,"machines_count":482},[2074,2076,2078],{"label":485,"image":2075},{"id":487,"filename_download":488},{"label":490,"image":2077},{"id":492,"filename_download":493},{"label":709,"image":2079},{"id":711,"filename_download":712},[2081,2083,2085,2087],{"label":719,"image":2082},{"id":721,"filename_download":722},{"label":496,"image":2084},{"id":498,"filename_download":499},{"label":501,"image":2086},{"id":503,"filename_download":504},{"label":506,"image":2088},{"id":508,"filename_download":509},[2090],{"chips_id":2091},{"text":513,"text_color":514,"border_color":30,"background_color":30,"icon":30,"description":515},{"label":2093,"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":2094,"app_rating":30,"logo":2097},"Berliner 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Debit Mastercard kostenlos.\u003C\u002Fp>","\u003Cp>Konto 3 Monate aktiv nutzen, d.h. mind. 5 monatliche Buchungen über mind. 25€ (keine Eigenüberweisungen). 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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. 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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>",[418],[3192,3193],{"label":421,"value":15},{"label":423,"value":15},[425,779],[425,779],4.14249,3.2475,"9,14%","2,2%","2,20€","🟠 56 \u002F 100 (schwach)","https:\u002F\u002Fwww.ing.de\u002Fdokumente\u002Fentgeltinformation-girokonto\u002F","ING 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einmalige Versandgebühr\u003C\u002Fp>","\u003Cp>Das Gemeinschaftskonto ergänzt das Hauptkonto und kann nicht ohne jeweils eigenes Girokonto bei N26 geführt werden.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp>Debitkarten, einmalige Versandgebühr 10€. Die Karten vom persönlichen Konto können mit dem Gemeinschaftskonto verknüpft werden, oder es kann je eine virtuelle Karte erstellt werden. \u003C\u002Fp>","\u003Cp>Komplett kostenfreies mobiles Girokonto für alle.\u003C\u002Fp>","\u003Cp>2x pro Monat kostenlos, danach je Abhebung 2€\u003C\u002Fp>",[418],[3258,3259],{"label":421,"value":15},{"label":423,"value":15},[779],[779],3.76596,"1,70€","https:\u002F\u002Fdocs.n26.com\u002Flegal\u002F01+DE\u002F02+ZKG\u002Fde\u002F13zkg-pricelist-standard-account-de.pdf?_gl=1*1ag52ho*_ga*ODIyMjc3MDM2LjE2NzY2NTMwMjc.*_ga_0K9L17VK9L*MTY3ODEwNjc1OS4zLjAuMTY3ODEwNjc1OS4wLjAuMA..","N26 Girokonto Standard","2026-06-09T10:40:44.142Z","2022-12-07T10:10:25.364Z","1,7%","https:\u002F\u002Fdocs.n26.com\u002Flegal\u002F01+DE\u002F01+Account\u002Fde\u002F13account-pricelist-de.pdf?_gl=1*1a210hz*_ga*MTU0ODAwNjM0Mi4xNjYzMzIxNzQy*_ga_0K9L17VK9L*MTY2NzgzMTg4My43LjEuMTY2NzgzMTk4My4wLjAuMA..",[3271,3273,3275],{"label":458,"logo":3272},{"id":460,"filename_download":461},{"label":463,"logo":3274},{"id":465,"filename_download":466},{"label":468,"logo":3276},{"id":470,"filename_download":471},[3278,3280,3282,3284],{"label":474,"logo":3279},{"id":476,"filename_download":477},{"label":693,"logo":3281},{"id":695,"filename_download":696},{"label":698,"logo":3283},{"id":700,"filename_download":701},{"label":1265,"logo":3285},{"id":1267,"filename_download":1268},[3287],{"atm_networks_id":3288},{"label":534,"machines_count":706},[3290,3292],{"label":485,"image":3291},{"id":487,"filename_download":488},{"label":490,"image":3293},{"id":492,"filename_download":493},[3295],{"label":501,"image":3296},{"id":503,"filename_download":504},[3298],{"chips_id":3299},{"text":513,"text_color":514,"border_color":30,"background_color":30,"icon":30,"description":515},{"label":1653,"tan_method_value":30,"tan_method_description":30,"ident_method_value":30,"ident_method_description":30,"customer_support":3301,"customer_support_description":30,"app_rating_value":30,"app_rating_description":30,"branches":16,"branches_description":30,"bic":3302,"app_rating":30,"logo":3304},[],[3303],{"bic":1657},{"id":1659,"filename_download":1660},{"id":533,"description":30,"label":534,"date_updated":535,"date_created":536,"user_created":537,"user_updated":538,"logo":3306},{"id":540,"filename_download":541},{"id":545,"online_banking_id":30,"label":546,"status":449,"date_created":547,"date_updated":548,"user_updated":455,"user_created":455,"logo":3308},{"id":550,"filename_download":551},{"item":3310},{"free_daily_account_interests":15,"wero":16,"without_schufa":16,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":15,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":3311,"free_sub_accounts":67,"card_preview":2984,"cash_limit_per_day":403,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":67,"app_rating_android":75,"debitcard_description":3312,"girocard_description":3313,"deposit_protection_description":636,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":3314,"button_info_description":30,"joint_accounts_card_count_description":1303,"app_rating_android_description":30,"app_rating_ios_description":30,"is_free_for_students_description":30,"same_primary_residence_required_value":30,"same_primary_residence_required_description":30,"account_type_description":30,"joint_account_possible_value":30,"joint_account_possible_description":30,"giro_interest_value":30,"total_costs_description":30,"branches_value":30,"depot_value":30,"additional_callout_description":30,"customer_support_description":30,"tan_method_description":30,"ident_method_description":30,"cash_in_retail_description":30,"free_wire_description":30,"app_rating_description":30,"sustainability_score_description":30,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":3315,"fee_withdrawal_euro_countries_description":3316,"fee_withdrawal_non_euro_countries_description":3317,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":3318,"free_withdrawals_per_month_description":3319,"fee_withdrawal_100_euro_countries_description":30,"fee_payment_100_euro_countries_description":30,"deposit_money_description":3320,"fee_payment_100_non_euro_countries_description":3321,"fee_withdrawal_100_non_euro_countries_description":3321,"label_description":30,"depot_description":30,"free_sub_accounts_description":650,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":3322,"contactless_payment_services_description":30,"creditcard_description":3323,"country":3324,"real_time_bankwire":3325,"customer_support":3328,"account_type":30,"child_account_conditions":30,"support":3329,"special_features":3330,"student_rating":30,"rating_joint_account":3333,"rating":3333,"bank_sustainability_rating":30,"rating_without_schufa":30,"fee_payment_euro_countries":432,"fee_withdrawal_100_euro_countries":432,"fee_payment_100_euro_countries":432,"custody_fee":30,"creditcard_value":432,"debitcard_value":432,"girocard_value":30,"account_maintenance_fee":432,"overdraft_interest":3334,"fee_payment_non_euro_countries":3335,"fee_payment_100_non_euro_countries":3336,"fee_withdrawal_100_non_euro_countries":3337,"additional_callout":30,"tan_method_value":30,"ident_method_value":2339,"custom_cta":30,"min_fee_withdrawal":30,"max_fee_withdrawal":30,"percentile_fee_withdrawal":30,"fixed_fee_withdrawals":38,"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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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Die Auszahlung kann nach Erfüllung der Bedingungen bis zu 8 Wochen dauern und erfolgt auf das eröffnete BBBank-Girokonto. Änderungen, Anpassungen oder Beendigung des Angebotes bleiben vorbehalten.","\u003Cp>\u003Cspan data-sheets-root=\"1\">Bis zum 30. Lebensjahr entfällt die Kontoführungsgebühr.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Abhebegebühr 1% (min. 3,50€) zzgl. Fremdwährungsgebührsgebühr mit Girocard V Pay 1% vom Umsatz (min. 0,77€, max. 3,83€).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">mit girocard V Pay 1% vom Umsatz, min. 0,77€, max. 3,83€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann unbegrenzt kostenlos an den Geldautomaten der BBBank und der Cash-Pool-Partner abgehoben werden. 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Für die erste physische Karte fallen keine Versandkosten an (inkl. jährlichem Kartentausch), danach fällt für jede weitere Karte eine Versandgebühr von 4,99€ an.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\"> 0,50 € pro Überweisung ab der 21. Überweisung pro Monat\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">7,99€ p.M. zzgl. Inaktivitätsgebühr 1€ p.M., wenn zwölf Monate lang keine Kontoaktivität. 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data-sheets-root=\"1\">Physische Girocard Debit Mastercard kostet jährlich 9€. 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besten kostenlosen Gemeinschaftskonten\u003C\u002Fh2>",{},{"content":5352,"level":75,"anchor":5353},"Die besten kostenlosen Gemeinschaftskonten","",{"innerBlocks":5355,"name":5347,"postId":5348,"originalContent":5356,"get_parent":5357,"attributes":5358,"dynamicContent":30},[],"\u003Ch3>Norisbank\u003C\u002Fh3>",{},{"content":355,"level":104,"anchor":5353},{"innerBlocks":5360,"name":5361,"postId":5348,"originalContent":5362,"get_parent":5363,"attributes":5364,"dynamicContent":30},[],"core\u002Fparagraph","\u003Cp>Das Gemeinschaftskonto der Norisbank erzielt in unserem Vergleich das beste Ergebnis. Es handelt sich dabei um ein vollwertiges Partnerkonto, das von zwei Kontoinhabern gemeinsam geführt werden kann. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen.\u003C\u002Fp>",{},{"content":5365,"dropCap":16,"anchor":5353},"Das Gemeinschaftskonto der Norisbank erzielt in unserem Vergleich das beste Ergebnis. Es handelt sich dabei um ein vollwertiges Partnerkonto, das von zwei Kontoinhabern gemeinsam geführt werden kann. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen.",{"innerBlocks":5367,"name":5368,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5369,"attributes":5370},[],"acf\u002Fcta-box-border",{},{"name":5368,"data":5371},{"title":352,"cta_box_border_description":5353,"cta_box_border_list_0_cta_box_border_list_description":5372,"cta_box_border_list_0_cta_box_border_list_icon":5373,"cta_box_border_list_1_cta_box_border_list_description":5374,"cta_box_border_list_1_cta_box_border_list_icon":5373,"cta_box_border_list_2_cta_box_border_list_description":5375,"cta_box_border_list_2_cta_box_border_list_icon":5373,"cta_box_border_list_3_cta_box_border_list_description":5376,"cta_box_border_list_3_cta_box_border_list_icon":5373,"cta_box_border_list_4_cta_box_border_list_description":155,"cta_box_border_list_4_cta_box_border_list_icon":5377,"cta_box_border_list":838,"cta_box_border_image":5378,"cta_box_border_image_description":5353,"cta_box_border_button_link":5379,"cta_box_border_button_label":5353,"cta_box_border_button_id":5353,"cta_box_border_same_tab":5353,"cta_box_border_image_url":5381},"Keine Kontoführungsgebühr","checked","Beide Kontoinhaber bekommen eine kostenlose Mastercard-Debitkarte","\u003Cspan data-v-5e76833b=\"\">Keine Gebühr für Kartenzahlungen in Fremdwährung\u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Unbegrenzt kostenlos Geld abheben \u003C\u002Fspan>","unchecked",2928,{"title":5353,"url":353,"target":5380},"_blank","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2018\u002F03\u002Fnorisbank-logo.png",{"innerBlocks":5383,"name":5347,"postId":5348,"originalContent":5384,"get_parent":5385,"attributes":5386,"dynamicContent":30},[],"\u003Ch3>C24 Smart\u003C\u002Fh3>",{},{"content":383,"level":104,"anchor":5353},{"innerBlocks":5388,"name":5361,"postId":5348,"originalContent":5389,"get_parent":5390,"attributes":5391,"dynamicContent":30},[],"\u003Cp>In unserem Vergleich schneidet das C24-Smartkonto sehr gut ab. Damit hast du die Möglichkeit, entweder ein klassisches Gemeinschaftskonto zu eröffnen oder einen sogenannten Shared Space innerhalb deines C24-Girokontos einzurichten. Über die C24-App kannst du andere Nutzer zu deinem Hauptkonto oder einem Pocket einladen. Die Eingeladenen erhalten dadurch Zugriff auf das geteilte Konto und können es ebenfalls in ihrer App verwalten. \u003C\u002Fp>",{},{"content":5392,"dropCap":16,"anchor":5353},"In unserem Vergleich schneidet das C24-Smartkonto sehr gut ab. Damit hast du die Möglichkeit, entweder ein klassisches Gemeinschaftskonto zu eröffnen oder einen sogenannten Shared Space innerhalb deines C24-Girokontos einzurichten. Über die C24-App kannst du andere Nutzer zu deinem Hauptkonto oder einem Pocket einladen. Die Eingeladenen erhalten dadurch Zugriff auf das geteilte Konto und können es ebenfalls in ihrer App verwalten. ",{"innerBlocks":5394,"name":5361,"postId":5348,"originalContent":5395,"get_parent":5396,"attributes":5397,"dynamicContent":30},[],"\u003Cp>Praktisch entspricht das einer Kontovollmacht. So lassen sich Ein- und Ausgaben gemeinsam im Blick behalten oder auch gemeinsame Sparziele definieren. Besonders geeignet ist dieses Modell beispielsweise für größere Wohngemeinschaften oder Freundeskreise, die zusammen ein Projekt oder einen Urlaub finanzieren möchten.\u003C\u002Fp>",{},{"content":5398,"dropCap":16,"anchor":5353},"Praktisch entspricht das einer Kontovollmacht. So lassen sich Ein- und Ausgaben gemeinsam im Blick behalten oder auch gemeinsame Sparziele definieren. Besonders geeignet ist dieses Modell beispielsweise für größere Wohngemeinschaften oder Freundeskreise, die zusammen ein Projekt oder einen Urlaub finanzieren möchten.",{"innerBlocks":5400,"name":5368,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5401,"attributes":5402},[],{},{"name":5368,"data":5403},{"title":383,"cta_box_border_description":5353,"cta_box_border_list_0_cta_box_border_list_description":5404,"cta_box_border_list_0_cta_box_border_list_icon":5373,"cta_box_border_list_1_cta_box_border_list_description":5405,"cta_box_border_list_1_cta_box_border_list_icon":5373,"cta_box_border_list_2_cta_box_border_list_description":5406,"cta_box_border_list_2_cta_box_border_list_icon":5373,"cta_box_border_list_3_cta_box_border_list_description":5407,"cta_box_border_list_3_cta_box_border_list_icon":5373,"cta_box_border_list_4_cta_box_border_list_description":5408,"cta_box_border_list_4_cta_box_border_list_icon":5373,"cta_box_border_list_5_cta_box_border_list_description":5409,"cta_box_border_list_5_cta_box_border_list_icon":5377,"cta_box_border_list":545,"cta_box_border_image":5410,"cta_box_border_image_description":5353,"cta_box_border_button_link":5411,"cta_box_border_button_label":5353,"cta_box_border_button_id":5353,"cta_box_border_same_tab":5353,"cta_box_border_image_url":5412},"Keine Kontoführungsgebühr bei C24 Smart","Bedingungslos kostenfrei","Kostenlose Mastercard und Girocard","Unterkonten mit eigener IBAN erstellen","Echtes Gemeinschaftskonto oder Shared Space möglich","Einzahlung von Bargeld kostet 1,75% Gebühr",3105943,{"title":5353,"url":384,"target":5380},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F09\u002Fc24-bank-logo-square.png",{"innerBlocks":5414,"name":5347,"postId":5348,"originalContent":5415,"get_parent":5416,"attributes":5417,"dynamicContent":30},[],"\u003Ch3>Consorsbank! Girokonto\u003C\u002Fh3>",{},{"content":3068,"level":104,"anchor":5353},{"innerBlocks":5419,"name":5361,"postId":5348,"originalContent":5420,"get_parent":5421,"attributes":5422,"dynamicContent":30},[],"\u003Cp>Bei der Consorsbank kannst du unkompliziert ein echtes Gemeinschaftskonto für zwei Kontoinhaber online eröffnen. Beachte: Das Konto ist nur kostenlos bei einem monatlichen Geldeingang von mindestens 700€, oder wenn beide Kontoinhaber unter 31 Jahre alt sind, ansonsten fallen 4€ pro Monat an. In der Antragsstrecke kannst du angeben, dass du ein Gemeinschaftskonto eröffnen möchtest.\u003C\u002Fp>",{},{"content":5423,"dropCap":16,"anchor":5353},"Bei der Consorsbank kannst du unkompliziert ein echtes Gemeinschaftskonto für zwei Kontoinhaber online eröffnen. Beachte: Das Konto ist nur kostenlos bei einem monatlichen Geldeingang von mindestens 700€, oder wenn beide Kontoinhaber unter 31 Jahre alt sind, ansonsten fallen 4€ pro Monat an. In der Antragsstrecke kannst du angeben, dass du ein Gemeinschaftskonto eröffnen möchtest.",{"innerBlocks":5425,"name":5368,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5426,"attributes":5427},[],{},{"name":5368,"data":5428},{"title":3068,"cta_box_border_description":5353,"cta_box_border_list_0_cta_box_border_list_description":5429,"cta_box_border_list_0_cta_box_border_list_icon":5373,"cta_box_border_list_1_cta_box_border_list_description":5430,"cta_box_border_list_1_cta_box_border_list_icon":5373,"cta_box_border_list_2_cta_box_border_list_description":5431,"cta_box_border_list_2_cta_box_border_list_icon":5373,"cta_box_border_list_3_cta_box_border_list_description":5432,"cta_box_border_list_3_cta_box_border_list_icon":5377,"cta_box_border_list_4_cta_box_border_list_description":5433,"cta_box_border_list_4_cta_box_border_list_icon":5377,"cta_box_border_list":838,"cta_box_border_image":5434,"cta_box_border_image_description":5353,"cta_box_border_button_link":5435,"cta_box_border_button_label":5353,"cta_box_border_button_id":5353,"cta_box_border_same_tab":5353,"cta_box_border_image_url":5436},"Keine Kontoführungsgebühr bei monatlichem Geldeingang von min. 700€ oder beide Kontoinhaber unter 31 alt (sonst 4€ p.M.)","Beide Kontoinhaber erhalten eine kostenlose Visa-Debitkarte","Kostenlos ab 50€ Geld abheben (an Automaten mit Visa-Zeichen im Europäischen Wirtschaftsraum)","Bargeldeinzahlung nur gegen Gebühr möglich","Nicht bedingungslos kostenfrei",3060716,{"title":5353,"url":3071,"target":5380},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2022\u002F11\u002Fconsorsbank-logo-square-1.png",{"innerBlocks":5438,"name":5347,"postId":5348,"originalContent":5439,"get_parent":5440,"attributes":5441,"dynamicContent":30},[],"\u003Ch2>Worauf musst du bei einem kostenlosen Gemeinschaftskonto achten?\u003C\u002Fh2>",{},{"content":5442,"level":75,"anchor":5353},"Worauf musst du bei einem kostenlosen Gemeinschaftskonto achten?",{"innerBlocks":5444,"name":5361,"postId":5348,"originalContent":5445,"get_parent":5446,"attributes":5447,"dynamicContent":30},[],"\u003Cp>Viele Banken werben mit einem kostenlosen Girokonto, knüpfen die Gebührenfreiheit aber an bestimmte Bedingungen. Zudem können Kosten für Karten, Bargeldabhebungen oder Überziehungen anfallen, die du im Blick behalten solltest.\u003C\u002Fp>",{},{"content":5448,"dropCap":16,"anchor":5353},"Viele Banken werben mit einem kostenlosen Girokonto, knüpfen die Gebührenfreiheit aber an bestimmte Bedingungen. Zudem können Kosten für Karten, Bargeldabhebungen oder Überziehungen anfallen, die du im Blick behalten solltest.",{"innerBlocks":5450,"name":5347,"postId":5348,"originalContent":5451,"get_parent":5452,"attributes":5453,"dynamicContent":30},[],"\u003Ch3>Bedingungslos kostenlos vs. an Bedingungen geknüpft?\u003C\u002Fh3>",{},{"content":5454,"level":104,"anchor":5353},"Bedingungslos kostenlos vs. an Bedingungen geknüpft?",{"innerBlocks":5456,"name":5361,"postId":5348,"originalContent":5457,"get_parent":5458,"attributes":5459,"dynamicContent":30},[],"\u003Cp>Manche Banken bieten ein Gemeinschaftskonto bedingungslos kostenlos an – unabhängig von Geldeingängen, Nutzung oder Alter der Kontoinhaber. Die meisten Banken knüpfen die Gebührenfreiheit allerdings an Bedingungen wie einen monatlichen Mindestgeldeingang oder die Nutzung als Gehaltskonto.\u003C\u002Fp>",{},{"content":5460,"dropCap":16,"anchor":5353},"Manche Banken bieten ein Gemeinschaftskonto bedingungslos kostenlos an – unabhängig von Geldeingängen, Nutzung oder Alter der Kontoinhaber. Die meisten Banken knüpfen die Gebührenfreiheit allerdings an Bedingungen wie einen monatlichen Mindestgeldeingang oder die Nutzung als Gehaltskonto.",{"innerBlocks":5462,"name":5463,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5464,"attributes":5465},[],"acf\u002Ficon-list",{},{"name":5463,"data":5466},{"icon_list_0_icon_list_description":5467,"icon_list_0_icon_list_id":5353,"icon_list_0_icon_list_icon":5468,"icon_list_1_icon_list_description":5469,"icon_list_1_icon_list_id":5353,"icon_list_1_icon_list_icon":5468,"icon_list_2_icon_list_description":5470,"icon_list_2_icon_list_id":5353,"icon_list_2_icon_list_icon":5468,"icon_list_3_icon_list_description":5471,"icon_list_3_icon_list_id":5353,"icon_list_3_icon_list_icon":5468,"icon_list":115},"\u003Cstrong>Gemeinschaftskonto ohne Mindestgeldeingang:\u003C\u002Fstrong> C24, Revolut, N26","empty","\u003Cstrong>Partnerkonto mit Mindestgeldeingang:\u003C\u002Fstrong> Consorsbank, DKB, ING, Norisbank, Comdirect, 1822direkt, Tagrobank","\u003Cstrong>Bis zu einem bestimmten Alter kostenfrei:\u003C\u002Fstrong> Consorsbank, DKB, ING, Norisbank, Comdirect, 1822direkt","\u003Cstrong>Mindestaktivität nötig:\u003C\u002Fstrong> Vivid, Monese",{"innerBlocks":5473,"name":5361,"postId":5348,"originalContent":5474,"get_parent":5475,"attributes":5476,"dynamicContent":30},[],"\u003Cp>Achte genau auf die Konditionen des jeweiligen Anbieters. Erfüllst du die Bedingungen nicht, können Kontoführungsgebühren anfallen. Überlege daher, ob du die Vorgaben langfristig erfüllen kannst, um Kontoführungsgebühren zu vermeiden.\u003C\u002Fp>",{},{"content":5477,"dropCap":16,"anchor":5353},"Achte genau auf die Konditionen des jeweiligen Anbieters. Erfüllst du die Bedingungen nicht, können Kontoführungsgebühren anfallen. Überlege daher, ob du die Vorgaben langfristig erfüllen kannst, um Kontoführungsgebühren zu vermeiden.",{"innerBlocks":5479,"name":5347,"postId":5348,"originalContent":5480,"get_parent":5481,"attributes":5482,"dynamicContent":30},[],"\u003Ch3>Kosten für Giro- und Kreditkarten\u003C\u002Fh3>",{},{"content":5483,"level":104,"anchor":5353},"Kosten für Giro- und Kreditkarten",{"innerBlocks":5485,"name":5361,"postId":5348,"originalContent":5486,"get_parent":5487,"attributes":5488,"dynamicContent":30},[],"\u003Cp>Während das Gemeinschaftskonto selbst kostenlos sein kann, verlangen viele Banken Gebühren für Giro- oder Kreditkarten. Oft ist die erste Girocard oder Debitkarte für jeden Kontoinhaber inklusive, während weitere Karten oder eine Kreditkarte zusätzliche Kosten verursachen. Vergleiche daher genau, welche Karten im Angebot enthalten sind und ob sie für beide Kontoinhaber kostenlos zur Verfügung stehen. So vermeidest du unerwartete Zusatzkosten.\u003C\u002Fp>",{},{"content":5489,"dropCap":16,"anchor":5353},"Während das Gemeinschaftskonto selbst kostenlos sein kann, verlangen viele Banken Gebühren für Giro- oder Kreditkarten. Oft ist die erste Girocard oder Debitkarte für jeden Kontoinhaber inklusive, während weitere Karten oder eine Kreditkarte zusätzliche Kosten verursachen. Vergleiche daher genau, welche Karten im Angebot enthalten sind und ob sie für beide Kontoinhaber kostenlos zur Verfügung stehen. So vermeidest du unerwartete Zusatzkosten.",{"innerBlocks":5491,"name":5492,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5493,"attributes":5494},[],"acf\u002Fdashed-card",{},{"name":5492,"data":5495},{"color":5496,"title":5497,"description":5498,"emoji":5499,"link":5500,"button_text":5501},"orange","Vergleiche weitere kostenfreie Kreditkarten","Über 35 verschiedene Kredit- und Debitkarten ohne Jahresgebühr findest du in unserem Vergleich kostenloser Kreditkarten. ","🚀","\u002Fvergleich\u002Fkreditkarte\u002Fkostenlos\u002F","Zum Vergleich",{"innerBlocks":5503,"name":5347,"postId":5348,"originalContent":5504,"get_parent":5505,"attributes":5506,"dynamicContent":30},[],"\u003Ch3>Gebühren für Bargeldabhebungen im In- und Ausland\u003C\u002Fh3>",{},{"content":5507,"level":104,"anchor":5353},"Gebühren für Bargeldabhebungen im In- und Ausland",{"innerBlocks":5509,"name":5361,"postId":5348,"originalContent":5510,"get_parent":5511,"attributes":5512,"dynamicContent":30},[],"\u003Cp>Auch bei Bargeldabhebungen gibt es Unterschiede: Einige Banken ermöglichen kostenlose Abhebungen an bestimmten Automaten-Netzwerken, andere berechnen pro Vorgang eine Gebühr. Im Ausland können zusätzliche Kosten durch Fremdwährungs- oder Automatengebühren entstehen. Wenn du und dein Partner regelmäßig Bargeld benötigen oder ihr viel reist, solltet ihr insbesondere auf günstige Konditionen für Abhebungen achten.\u003C\u002Fp>",{},{"content":5513,"dropCap":16,"anchor":5353},"Auch bei Bargeldabhebungen gibt es Unterschiede: Einige Banken ermöglichen kostenlose Abhebungen an bestimmten Automaten-Netzwerken, andere berechnen pro Vorgang eine Gebühr. Im Ausland können zusätzliche Kosten durch Fremdwährungs- oder Automatengebühren entstehen. Wenn du und dein Partner regelmäßig Bargeld benötigen oder ihr viel reist, solltet ihr insbesondere auf günstige Konditionen für Abhebungen achten.",{"innerBlocks":5515,"name":5492,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5516,"attributes":5517},[],{},{"name":5492,"data":5518},{"color":5519,"title":5520,"description":5521,"emoji":5499,"link":5522,"button_text":5501},"green","Kostenlose und kostenpflichtige Gemeinschaftskonten","Für dich kommen auch kostenpflichtige Partnerkonten infrage? Vergleiche über 40 gemeinsame Konten und Shared Spaces in unserem Gemeinschaftskonto-Vergleich.","\u002Fvergleich\u002Fgirokonto\u002Fgemeinschaftskonto\u002F",{"innerBlocks":5524,"name":5347,"postId":5348,"originalContent":5525,"get_parent":5526,"attributes":5527,"dynamicContent":30},[],"\u003Ch3>Sollzinsen: Was passiert bei einer Kontoüberziehung?\u003C\u002Fh3>",{},{"content":5528,"level":104,"anchor":5353},"Sollzinsen: Was passiert bei einer Kontoüberziehung?",{"innerBlocks":5530,"name":5361,"postId":5348,"originalContent":5531,"get_parent":5532,"attributes":5533,"dynamicContent":30},[],"\u003Cp>Wird das Gemeinschaftskonto überzogen, fallen Sollzinsen an, die je nach Bank sehr unterschiedlich ausfallen können. Diese Zinsen sind meist deutlich höher als bei einem klassischen Kredit und können schnell teuer werden. Achte daher darauf, wie hoch der Dispozins ist und ob dein Anbieter flexible Rückzahlungsoptionen bietet. Ein verantwortungsvoller Umgang mit dem Dispo sowie ausreichende \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Fnotgroschen\u002F\">Rücklagen und Notgroschen\u003C\u002Fa> schützen dich vor unnötigen Kosten.\u003C\u002Fp>",{},{"content":5534,"dropCap":16,"anchor":5353},"Wird das Gemeinschaftskonto überzogen, fallen Sollzinsen an, die je nach Bank sehr unterschiedlich ausfallen können. Diese Zinsen sind meist deutlich höher als bei einem klassischen Kredit und können schnell teuer werden. Achte daher darauf, wie hoch der Dispozins ist und ob dein Anbieter flexible Rückzahlungsoptionen bietet. Ein verantwortungsvoller Umgang mit dem Dispo sowie ausreichende \u003Ca href=\"\u002Fgeldanlage\u002Fnotgroschen\u002F\" class=\"app-link\">Rücklagen und Notgroschen\u003C\u002Fa> schützen dich vor unnötigen Kosten.",{"innerBlocks":5536,"name":5347,"postId":5348,"originalContent":5537,"get_parent":5538,"attributes":5539,"dynamicContent":30},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":5540,"level":75,"anchor":5353},"Häufig gestellte Fragen",{"innerBlocks":5542,"name":5543,"postId":5348,"originalContent":5353,"saveContent":5353,"get_parent":5544,"attributes":5545},[],"acf\u002Faccordion",{},{"name":5543,"data":5546},{"accordion_0_accordion_headline":5547,"accordion_0_accordion_description":5548,"accordion_1_accordion_headline":5549,"accordion_1_accordion_description":5550,"accordion_2_accordion_headline":5551,"accordion_2_accordion_description":5552,"accordion":104},"Welche Banken bieten ein kostenloses Gemeinschaftskonto ohne Mindesteingang an?","Einige Neobanken und FinTechs bieten Gemeinschaftskonten an, die wirklich bedingungslos kostenlos sind – also ohne monatlichen Mindestgeldeingang. Dazu gehören C24, Revolut, Meine Bank und N26. Klassische Filialbanken und Direktbanken knüpfen die Gebührenfreiheit dagegen oft an Bedingungen wie Mindestgeldeingang oder Alter. Ein Vergleich lohnt sich, um das passende Konto für deine Bedürfnisse zu finden.","Kann man ein bestehendes Girokonto in ein kostenloses Gemeinschaftskonto umwandeln?","In vielen Fällen kannst du dein bestehendes Girokonto nicht direkt in ein Gemeinschaftskonto umwandeln. Die meisten Banken verlangen die Eröffnung eines neuen Kontos, das dann auf zwei Namen lautet. Manche Anbieter ermöglichen allerdings eine unkomplizierte Umstellung, wenn beide Kontoinhaber bereits Kunden sind. Am besten fragst du direkt bei deiner Bank nach den konkreten Möglichkeiten.","Wie viele Personen können ein kostenfreies Gemeinschaftskonto haben?","Ein klassisches Gemeinschaftskonto ist in der Regel für zwei Personen vorgesehen, zum Beispiel für Paare, Ehepartner oder WG-Mitbewohner. Einige Banken erlauben auch, dass mehr als zwei Personen Zugriff haben. Wenn du ein Konto für mehrere Personen – etwa eine größere Wohngemeinschaft – suchst, solltest du gezielt nach Anbietern mit der Option eines Shared Space Ausschau halten.",[5554,5557,5560],{"title":5555,"link":5556},"Vergleich","\u002Fvergleich\u002F",{"title":5558,"link":5559},"Girokonto","\u002Fvergleich\u002Fgirokonto\u002F",{"title":7,"link":5353},"cG9zdDozMTAwOTkz",{"__typename":5563,"metaDesc":5564,"opengraphType":5565,"opengraphTitle":5566,"opengraphSiteName":5567,"opengraphImage":5568,"metaRobotsNoindex":5575,"metaRobotsNofollow":5576,"opengraphDescription":5564,"opengraphModifiedTime":5577,"opengraphPublishedTime":5353,"twitterTitle":5353,"twitterDescription":5353,"title":5566,"readingTime":104},"PostTypeSEO","Vergleiche die besten kostenfreien gemeinsamen Konten. Wähle aus über 10 Angeboten an gemeinsamen Konten und Shared-Spaces das beste kostenlose Konto.","article","Kostenloses Gemeinschaftskonto im Vergleich 07\u002F2026","Finanzfluss",{"__typename":5569,"sourceUrl":5570,"mediaDetails":5571},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F09\u002Fheader-kostenloses-gemeinschaftskonto.jpg",{"__typename":5572,"width":5573,"height":5574},"MediaDetails",1280,720,"index","follow","2026-06-03T09:20:34+00:00","Kostenlose Gemeinschaftskonten-Vergleich 2026","https:\u002F\u002Fvg06.met.vgwort.de\u002Fna\u002Fbe78c0f1db0c42dda8f826337ad17702","\u002Fvergleich\u002Fgirokonto\u002Fkostenloses-gemeinschaftskonto\u002F","sub-comparison",1784640738660]