[{"data":1,"prerenderedAt":2232},["ShallowReactive",2],{"comparison-girokonto-nachhaltige-banken":3},{"directusData":4,"page":2075,"uri":2230,"type":2231},{"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":183,"disclaimer":188,"selected_alt_product_name":30,"parent_awards":189,"award_highlight":190,"tags":30,"award_1_label":191,"award_3_label":192,"comparison":193,"user_created":376,"award_1_item":382,"award_3_item":393,"items":404,"table_columns":2026,"product_selection_title":199},58,"nachhaltige-banken","Nachhaltige Banken","\u003Ch2>Wie nachhaltig ist deine Bank? 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Auf eine Bank kannst du nicht verzichten. Was aber, wenn du vermeiden möchtest, dass eine Bank mit deinem Geld umstrittene Projekte oder Branchen unterstützt, die du damit indirekt unterstützt? In diesem Falle kannst du ein Girokonto bei einer nachhaltigen Bank eröffnen, die sich zu nachhaltigen und ethischen Standards verpflichtet. In diesem Vergleich kannst du das beste faire und nachhaltige Girokonto finden und vergleichen, wie nachhaltig deine aktuelle Bank wirklich ist. Die Bewertung basiert auf einer Nachhaltigkeitsbewertung, die Kriterien wie Klimaschutz, Menschenrechte oder Verbindungen zum Rüstungssektor bewertet.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"key":12,"value":13,"icon":14,"label":12},"Befragte Personen","1.193","users",true,false,[18,22,26],{"title":19,"key":20,"value":21},"Geldeingang p.M.","monthlyDeposit","1000",{"title":23,"key":24,"value":25},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":27,"key":28,"value":29},"Abhebungen p.M.","monthlyWithdrawalCount","4",null,[32,35,39,43,48,55,60,64,71,76,80,83,89,95,99,102,105,109,112,115,118,122,125,131,134,138,141,144,149,153,158,161,165,169,173,176,180],{"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},"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":50,"active":15,"description":51,"label":52,"options":53,"sort_options":54,"sortable":16},"bank_sustainability_rating","rating","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Diese Bewertung setzt sich zusammen aus den \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">Bewertungskriterien\u003C\u002Fa> für Girokonten (ein Drittel der Gesamtnote) und der Nachhaltigkeitsbewertung von Facing Finance (zwei Drittel der Gesamtnote). Eine gute Testnote bedeutet nicht zwingend, dass das Girokonto nachhaltig ist. Darüber gibt die Nachhaltigkeitsbewertung Aufschluss.\u003C\u002Fspan>\u003C\u002Fp>","Testnote",[],[],{"key":56,"type":46,"active":15,"label":57,"description":58,"filter_condition":30,"filterable":16,"filter_type":30,"filter_options":30,"sortable":15,"mobile_rank":59},"sustainability_score","Nachhaltigkeitsbewertung 🌍","\u003Cp>Die Nachhaltigkeitsbewertung basiert auf der Bewertung des \u003Ca href=\"https:\u002F\u002Fwww.fairfinanceguide.de\u002F\" target=\"_blank\" rel=\"noopener\">Fair Finance Guide\u003C\u002Fa> von Facing Finance e.V (siehe \u003Ca href=\"#die-nachhaltigkeitsbewertung-von-facing-finance\" target=\"_self\">Disclaimer\u003C\u002Fa> unten).\u003C\u002Fp>",1,{"key":61,"type":46,"active":15,"label":62,"mobile_rank":63},"account_maintenance_fee","Kontoführungsgebühr (p.M.)",2,{"key":65,"type":66,"active":15,"label":67,"options":68,"mobile_rank":70},"girocard","image","Girocard",[69],"icons-filled",3,{"key":72,"type":66,"active":15,"label":73,"options":74,"mobile_rank":75},"debitcard","Debitkarte",[69],4,{"key":77,"type":66,"active":15,"label":78,"options":79},"creditcard","Kreditkarte",[69],{"key":81,"type":66,"active":15,"label":82},"contactless_payment_services","Mobile Bezahldienste",{"key":84,"type":85,"active":15,"label":86,"description":87,"options":88},"deposit_money","check","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>",[69],{"key":90,"type":91,"active":15,"value":30,"field":92,"label":93,"description":94},"atm_network","atmnetwork","atm_networks_id.machines_count","Geldautomaten-Verbund","\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":96,"type":46,"active":15,"label":97,"description":98},"free_withdrawals_per_month","Kostenlose 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>",{"key":100,"type":46,"active":15,"label":101},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":103,"type":46,"active":16,"label":104},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":106,"type":46,"active":15,"label":107,"description":108},"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":110,"type":46,"active":16,"label":111},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":113,"type":46,"active":15,"label":114},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":116,"type":46,"active":16,"label":117},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":119,"type":46,"active":15,"label":120,"description":121},"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":123,"type":46,"active":16,"label":124},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"key":126,"label":127,"type":128,"active":15,"description":129,"options":130},"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>",[69],{"label":132,"key":133,"type":85,"active":15},"Zinsen auf dem Girokonto","giro_interest",{"label":135,"key":136,"active":15,"description":137,"type":85},"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>.\u003C\u002Fp>",{"key":139,"type":46,"active":15,"label":140},"overdraft_interest","Dispozins",{"key":142,"type":46,"active":16,"label":143},"custody_fee","Verwahrentgelt",{"key":145,"type":146,"active":15,"label":147,"description":148},"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":150,"type":85,"active":15,"label":151,"options":152},"branches","Filialen",[69],{"key":154,"type":66,"active":15,"options":155,"label":157},"online_banking",[156],"transparent","Online-Banking",{"key":159,"type":46,"active":15,"label":160},"free_sub_accounts","Kostenlose Unterkonten",{"key":162,"type":85,"active":15,"label":163,"options":164},"depot","Kostenloses Depot",[69],{"key":166,"type":85,"active":15,"label":167,"options":168},"account_switching_service","Kontowechsel-Service",[69],{"key":170,"type":171,"active":16,"label":172},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":174,"label":175,"type":171,"active":16},"fee_information","Entgeltinformation",{"key":177,"type":178,"active":15,"label":179},"special_features","features","Besondere Eigenschaften",{"key":181,"type":46,"active":16,"label":182},"starting_premium","Startprämie",[184,186],{"label":44,"key":45,"sort":185,"default_sort":16},"asc",{"label":52,"key":49,"sort":187,"default_sort":15},"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. Die Bewertung setzt sich zusammen aus den \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">Bewertungskriterien\u003C\u002Fa> für Girokonten (ein Drittel der Gesamtnote) und der Nachhaltigkeitsbewertung von Facing Finance (zwei Drittel der Gesamtnote).  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","Testsieger","Nachhaltigste Bank",{"title":194,"slug":195,"date_updated":196,"factsheet":197,"product_selection_title":199,"default_parameters":200,"table_columns":204,"table_sort":315,"disclaimer":318,"award_1_label":319,"award_2_label":320,"award_3_label":321,"award_4_label":322,"user_created":323,"award_1_item":327,"award_2_item":338,"award_3_item":349,"award_4_item":359},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[198],{"key":12,"value":13,"icon":14,"label":12},"Deine Girokonto Auswahl",[201,202,203],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[205,206,207,208,210,215,217,220,223,226,229,232,233,234,237,238,241,244,248,249,250,253,254,257,259,263,264,266,269,270,271,273,275,280,284,288,293,298,300,302,303,308,309,310,311,312],{"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":209,"key":45,"type":46,"active":15,"description":47},"Gesamtkosten p.M.",{"key":50,"type":50,"active":15,"description":211,"label":212,"options":213,"sort_options":214,"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>","Girokonto-Test",[],[],{"key":61,"type":46,"active":15,"label":216,"mobile_rank":59},"Kontoführungsgebühr p.M.",{"key":65,"type":66,"active":15,"label":218,"options":219,"mobile_rank":70},"Girocard p.M.",[69],{"key":72,"type":66,"active":15,"label":221,"options":222,"mobile_rank":75},"Debitkarte p.M.",[69],{"key":77,"type":66,"active":15,"label":224,"options":225,"mobile_rank":30},"Kreditkarte p.M.",[69],{"key":81,"type":66,"active":15,"label":82,"options":227},[228],"disable-tooltip",{"key":96,"type":46,"active":15,"label":230,"description":231},"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":100,"type":46,"active":15,"label":101},{"key":103,"type":46,"active":16,"label":104},{"key":106,"type":46,"active":15,"label":235,"description":236},"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":110,"type":46,"active":16,"label":111},{"key":84,"type":85,"active":15,"label":86,"description":239,"options":240},"\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>",[69],{"key":90,"type":91,"active":15,"value":30,"field":92,"label":242,"description":243,"mobile_rank":63},"Anzahl Geldautomaten","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Ein Geldautomatenverbund ist ein Zusammenschluss von Banken, um den Kunden möglichst viele Geldautomaten anzubieten. Angezeigt wird in unserem Vergleich die Anzahl der Geldautomaten, die man mit der günstigsten enthaltenen Bankkarten nutzen kann.\u003C\u002Fspan>\u003C\u002Fp>",{"label":245,"key":246,"type":85,"active":15,"description":247},"Bargeld im Handel abheben","cash_in_retail","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":113,"type":46,"active":15,"label":114},{"key":116,"type":46,"active":16,"label":117},{"key":119,"type":46,"active":15,"label":251,"description":252},"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":123,"type":46,"active":16,"label":124},{"label":255,"key":256,"type":85,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":126,"label":127,"type":128,"active":16,"description":129,"options":258},[69],{"label":260,"key":261,"type":85,"active":15,"description":262},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":132,"key":133,"type":85,"active":15},{"label":135,"key":136,"type":85,"active":15,"description":265},"\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":159,"type":46,"active":15,"label":267,"description":268},"Anzahl kostenloser Unterkonten","\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":142,"type":46,"active":16,"label":143},{"key":145,"type":146,"active":15,"label":147,"description":148},{"key":150,"type":85,"active":15,"label":151,"options":272},[],{"key":154,"type":66,"active":15,"options":274,"label":157},[156],{"label":276,"key":277,"type":66,"active":16,"options":278,"description":279},"App-Bewertung","app_rating",[156],"\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":281,"key":282,"type":66,"active":15,"options":283},"App-Bewertung (iOS)","app_rating_ios",[156],{"label":285,"key":286,"type":66,"active":15,"options":287},"App-Bewertung (Android)","app_rating_android",[156],{"label":289,"key":290,"type":66,"active":15,"options":291,"description":292},"Ident-Verfahren","ident_method",[156],"\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":294,"key":295,"type":66,"active":15,"options":296,"description":297},"TAN-Verfahren","tan_method",[156],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":162,"type":85,"active":15,"label":163,"options":299},[69],{"key":166,"type":85,"active":15,"label":167,"options":301},[69],{"key":139,"type":46,"active":15,"label":140},{"label":304,"key":305,"type":306,"active":15,"description":307},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":170,"type":171,"active":16,"label":172},{"key":174,"label":175,"type":171,"active":16},{"key":177,"type":178,"active":15,"label":179,"filterable":16,"filter_type":30,"filter_options":30,"filter_condition":30},{"key":181,"type":46,"active":16,"label":182},{"label":313,"key":314,"type":85,"active":16},"Kostenlos für Studenten","is_free_for_students",[316,317],{"label":209,"key":45,"sort":185,"default_sort":16},{"label":52,"key":50,"sort":187,"default_sort":15},"\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 Girokonto","40€ Bonus","2,25% Zinsen","75€ Bonus",{"first_name":324,"last_name":325,"avatar":326},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[328],{"item":329},{"id":330,"label":331,"url":332,"provider":333},13,"Norisbank Top-Girokonto","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fnorisbank-top-girokonto",{"label":334,"logo":335},"Norisbank",{"id":336,"filename_download":337},"1b25d2ec-41c0-44aa-bdb8-6950d6b626bf","norisbank-logo-130x35.svg",[339],{"item":340},{"id":341,"label":342,"url":343,"provider":344},88,"BBVA 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gegen Aufpreis von 20€\u003C\u002Fp>","\u003Cp>Bis 100.000€ über die Entschädigungseinrichtung deutscher Banken (EdB).\u003C\u002Fp>","\u003Cp>Tomorrow Tagesgeld\u003C\u002Fp>","\u003Cp>Das Gemeinschaftskonto ergänzt das Hauptkonto und kann nicht ohne jeweils eigenes Girokonto bei Tomorrow geführt werden.\u003C\u002Fp>","\u003Cp>Kostenloses Girokonto für alle.\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 78%\u003C\u002Fp>\n\u003Cp>🟢 Korruption: 95%\u003C\u002Fp>\n\u003Cp>🟢 Gender Equality: 97%\u003C\u002Fp>\n\u003Cp>🟢 Menschenrechte: 84%\u003C\u002Fp>\n\u003Cp>🟢 Arbeitsrechte: 97%\u003C\u002Fp>\n\u003Cp>🟢 Biodiversität: 93%\u003C\u002Fp>\n\u003Cp>🟢 Steuern: 100%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn mind. 500€ Geldeingang oder unter 21 Jahren können Kunden selbst entscheiden, ob sie 0€, 1€, 2€ oder 3€ bezahlen möchten, sonst 4,90€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann ein Mal kostenlos abgehoben werden, danach pro Abhebung 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Debit-Mastercard ist gleichzeitig eine Mastercard-Debitkarte, unter 18-Jährige kostenlos, für 18- bis 27-Jährige 6€ pro Jahr, sonst 15€ pro Jahr.\u003C\u002Fp>","\u003Cp>Bis 100.000€ (gesetzlich, freiwillig unbegrenzt) über die BVR Institutssicherung GmbH (Sicherungseinrichtung des Bundesverbandes der Deutschen Volksbanken und Raiffeisenbanken).\u003C\u002Fp>","\u003Cp>GLS Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Karten sind kostenpflichtig\u003C\u002Fp>","\u003Cp>🟢 Klimaschutz: 96%\u003C\u002Fp>\n\u003Cp>🟢 Korruption: 98%\u003C\u002Fp>\n\u003Cp>🟢 Gender Equality: 100%\u003C\u002Fp>\n\u003Cp>🟢 Menschenrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Arbeitsrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Biodiversität: 95%\u003C\u002Fp>\n\u003Cp>🟢 Steuern: 97%\u003C\u002Fp>","\u003Cp>3,80€ pro Monat plus 60€\u002FJahr GLS-Beitrag. Unter 27 Jahren: Kostenlos plus 12€\u002FJahr. Unter 18 Jahren kostenlos.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (min. 4€) Abhebegebühr zzgl. 1% (min. 0,77€, max. 3,83€) Fremdwährungsgebühr, Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenpflichtig bei Reisebank, an GLS-Automaten kostenlos\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Es können beliebig viele kostenpflichtige Girokonten (mit eigener IBAN) und kostenlose Tagesgeldkonten (ohne eigene IBAN) eröffnet werden."}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Es können beliebig viele kostenpflichtige Girokonten (je 3,80€\u002FMonat) und kostenlose Tagesgeldkonten eröffnet werden (immer mit dem Girokonto als Referenzkonto).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Ab 10.000€: 9,109%\u003C\u002Fp>","\u003Cp>30€ pro Jahr. 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Tagesgeld PLUS\u003C\u002Fp>","\u003Cp>Debitkarte\u003C\u002Fp>","\u003Cp>Kostenlos bei unter 28-jährigen Studenten, Schülern, Auszubildenden oder Praktikanten. Ansonsten 4,90€ im Monat.\u003C\u002Fp>","\u003Cp>Girokonto kostenlos bei mind. 700€ Geldeingang p.M.\u003Cbr>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Ebenfalls kostenlos unter 28 Jahren und Student, Schüler, Auszubildender oder Praktikant. Sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>Es gibt 100€ Bonus für ein Girokonto bei Comdirect. Voraussetzung: Zustimmung zum Erhalt werblicher E-Mails und dass in mindestens 2 von 4 Monaten nach Kontoeröffnung jeweils 700€ oder mehr eingehen. Die Prämie wird im 4. Monat nach Kontoeröffnung gutgeschrieben.\u003Cbr>\u003Cbr>\u003C\u002Fp>","\u003Cp>🔴 Klimaschutz: 38%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 75%\u003C\u002Fp>\n\u003Cp>🔴 Gender Equality: 32%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 40%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 66%\u003C\u002Fp>\n\u003Cp>🔴 Biodiversität: 33%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 27%\u003C\u002Fp>","Es gibt 100€ Bonus für ein Girokonto bei Comdirect. Voraussetzung: Zustimmung zum Erhalt werblicher E-Mails und dass in mindestens 2 von 4 Monaten nach Kontoeröffnung jeweils 700€ oder mehr eingehen. Die Prämie wird im 4. Monat nach Kontoeröffnung gutgeschrieben.\n","\u003Cp>Girokonto kostenlos bei mind. 700€ Geldeingang p.M. oder unter 28 Jahren und Student, Schüler, Auszubildender oder Praktikant, sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>3x p.M. kostenlos, dann 4,90€\u003C\u002Fp>","\u003Cp>3x p.M. Fremdwährungsgebühr in Höhe von 1,75%, danach 4,90€ + 1,75%. Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,35% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,35% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>3 Mal kann pro Monat kostenlos an den Visa-Geldautomaten abgehoben werden, danach kostet es je Abhebung 4,90€.\u003C\u002Fp>","\u003Cp>3x pro Jahr kostenlos bei teilnehmenden Handelspartnern mit \"Barzahlen\" per App-Barcode\u003C\u002Fp>","\u003Cp>Verwahrentgelt aktuell ausgesetzt, sonst 0,5% ab 50.000€ (gilt für Neukunden, entfällt bei Kundenverbindungen vor dem 17.01.2020).\u003C\u002Fp>",[425],[1065,1066],{"label":428,"value":15},{"label":430,"value":15},[432],[432],3.88717,2.66239,"1,90€","8,65%","1,75%","1,75€","100€ Bonus","700,00 €","4,5 \u002F 5","🟠 41 \u002F 100 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Pay",{"id":1104,"filename_download":1105},"99a49139-dc8f-47c8-a646-933c54791570","garmin pay logo.png",[1107],{"atm_networks_id":1108},{"label":492,"machines_count":493},[1110,1113,1116],{"customer_support_id":1111},{"label":870,"image":1112},{"id":872,"filename_download":873},{"customer_support_id":1114},{"label":497,"image":1115},{"id":499,"filename_download":500},{"customer_support_id":1117},{"label":593,"image":1118},{"id":595,"filename_download":596},[1120,1123,1126],{"customer_support_id":1121},{"label":504,"image":1122},{"id":506,"filename_download":507},{"customer_support_id":1124},{"label":609,"image":1125},{"id":611,"filename_download":612},{"customer_support_id":1127},{"label":510,"image":1128},{"id":512,"filename_download":513},[896],{"label":1131,"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":1132,"app_rating":30,"logo":1143},"Comdirect",[1133,1135,1137,1139,1141],{"bic":1134},"COBADEHDXXX",{"bic":1136},"COBADEHD001",{"bic":1138},"COBADEHD044",{"bic":1140},"COBADEHD055",{"bic":1142},"COBADEHD077",{"id":1144,"filename_download":1145},"2d3057ad-ff3b-45bf-b813-9bd81a909346","Comdirect_Logo_130x35.svg",{"id":75,"description":30,"label":67,"date_updated":621,"date_created":622,"user_created":521,"user_updated":623,"logo":1147},{"id":625,"filename_download":626},{"id":59,"description":30,"label":518,"date_updated":519,"date_created":520,"user_created":521,"user_updated":522,"logo":1149},{"id":524,"filename_download":525},{"id":59,"description":30,"label":518,"date_updated":519,"date_created":520,"user_created":521,"user_updated":522,"logo":1151},{"id":524,"filename_download":525},{"item":1153},{"free_daily_account_interests":15,"wero":16,"without_schufa":30,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":16,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":1154,"free_sub_accounts":59,"card_preview":1155,"app_rating":409,"cash_limit_per_day":1156,"cash_limit_per_week":1157,"cash_limit_per_month":30,"app_rating_ios":59,"app_rating_android":63,"debitcard_description":1158,"girocard_description":30,"deposit_protection_description":412,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":1159,"button_info_description":30,"joint_accounts_card_count_description":1160,"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":1161,"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":1054,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":1162,"account_maintenance_fee_description":1163,"fee_withdrawal_euro_countries_description":30,"fee_withdrawal_non_euro_countries_description":1164,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":1165,"free_withdrawals_per_month_description":1166,"fee_withdrawal_100_euro_countries_description":30,"fee_payment_100_euro_countries_description":30,"deposit_money_description":1167,"fee_payment_100_non_euro_countries_description":1168,"fee_withdrawal_100_non_euro_countries_description":1169,"label_description":30,"depot_description":30,"free_sub_accounts_description":907,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":30,"contactless_payment_services_description":30,"creditcard_description":1170,"country":1171,"real_time_bankwire":1172,"customer_support":1175,"account_type":30,"child_account_conditions":30,"support":1176,"special_features":30,"student_rating":30,"rating_joint_account":30,"rating":1177,"bank_sustainability_rating":1178,"rating_without_schufa":30,"fee_payment_euro_countries":445,"fee_withdrawal_100_euro_countries":1179,"fee_payment_100_euro_countries":445,"custody_fee":30,"creditcard_value":1180,"debitcard_value":445,"girocard_value":445,"account_maintenance_fee":839,"overdraft_interest":1181,"fee_payment_non_euro_countries":1182,"fee_payment_100_non_euro_countries":552,"fee_withdrawal_100_non_euro_countries":1179,"additional_callout":1183,"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":190,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":839,"account_fees_with_de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Debit Mastercard kostenlos.\u003C\u002Fp>","\u003Cp>Topzinskonto Plus\u003C\u002Fp>","\u003Cp>Girocard (Debitkarte)\u003C\u002Fp>","\u003Cp>Konto 3 Monate aktiv nutzen, d.h. mind. 5 monatliche Buchungen über mind. 25€ (keine Eigenüberweisungen). Zusätzlich Werbemails und -anrufen zustimmen und mind. 3 Monate nicht widerrufen. Für jede erfolgreiche Weiterempfehlung, wenn man online das Konto eröffnet und weitere Bedingungen erfüllt, gibt es 100€ Bonus. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","Konto 3 Monate aktiv nutzen, d.h. mind. 5 monatliche Buchungen über mind. 25€ (keine Eigenüberweisungen). Zusätzlich Werbemails und -anrufen zustimmen und mind. 3 Monate nicht widerrufen. Weitere Konditionen auf der Website des Anbieters.","\u003Cp>Bei Vermögenswerten (gesamtes Guthaben auf Konten und Depots, die bei der Commerzbank geführt werden) über 50.000€ entfällt die Kontoführungsgebühr.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (mind. 5,98€) Kosten für die Abhebung zzgl. Fremdwährungsgebühr in Höhe von 1% (min. 1,50€ innerhalb der EU, sonst min. 2,50€). Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Mind. 1,50€ innerhalb der EU, sonst mind. 2,50€. Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den rund 5.000 Cash Group-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>Kostenlos an Commerzbank-Geldautomaten mit Einzahlfunktion\u003C\u002Fp>","\u003Cp>Innerhalb der EU 1,50€, sonst 2,50€. Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Jährlich 39,90€\u003C\u002Fp>",[425],[1173,1174],{"label":428,"value":15},{"label":430,"value":15},[432],[432],3.32689,2.41393,"5,98€","3,33€","11,90%","1% (min. 1,50€)","50€ Bonus","https:\u002F\u002Fwww.commerzbank.de\u002Fportal\u002Fmedia\u002Fefw-dokumente\u002Fent_girokonto.pdf","50€","1% (min. 5,98€)","Commerzbank GiroKonto","2026-07-10T13:24:18.235Z","2023-01-05T14:53:31.806Z","1% (mind. 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info":30,"joint_accounts_card_count":843,"app_rating_android_value":667,"app_rating_ios_value":563,"student_account_url":30,"account_type_value":30,"label":331,"status":461,"date_updated":1284,"date_created":1285,"fee_withdrawal_non_euro_countries":445,"url":332,"price_performance":1286,"user_updated":465,"user_created":466,"online_banking":1287,"contactless_payment_services":1294,"atm_network":1304,"ident_method":1309,"tan_method":1316,"joint_account_type_chips":1323,"provider":1324,"girocard":1331,"debitcard":1333,"creditcard":1335},77,9990,3000,"\u003Cp>Mastercard direkt mit Bonitätsvoraussetzung kostenlos, ohne Bonitätsvoraussetzung kostet die Karte 1€ p.M.\u003C\u002Fp>","\u003Cp>Norisbank Top-Zinskonto\u003C\u002Fp>","\u003Cp>Girokarten\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Das Top-Girokonto ist kostenlos, wenn du unter 30 Jahre bist oder ab 500€ Geldeingang pro Monat hast. Abhebungen unter 50€ kosten 2,50€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Nicht berücksichtigt in der Gesamtkosten-Berechnung: Personen unter 30 Jahren zahlen grundsätzlich keine Kontoführungsgebühr.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Neukunden schließen mit dem Top-Girokonto in einem Schritt ebenfalls ein kostenloses Top-Zinskonto (Tagesgeldkonto) ab und ziehen bis zum 30.11.2026 über den Online-Kontowechselservice mind. 3 Zahlungspartner um. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>\n\u003Cp>Nicht möglich im Gemeinschaftskonto\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 40%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 72%\u003C\u002Fp>\n\u003Cp>🔴 Gender Equality: 38%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 56%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 65%\u003C\u002Fp>\n\u003Cp>🟡 Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 17%\u003C\u002Fp>","Neukunden schließen mit dem Top-Girokonto in einem Schritt ebenfalls ein kostenloses Top-Zinskonto (Tagesgeldkonto) ab und ziehen bis zum 30.11.2026 über den Online-Kontowechselservice mind. 3 Zahlungspartner um. Weitere Konditionen auf der Website des Anbieters.\n\nNicht möglich im Gemeinschaftskonto","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn mind. 500€ Geldeingang oder unter 30 Jahren, sonst 3,90€.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der Mastercard Kreditkarte ist die Abhebung ab 50€ kostenlos, darunter 2,50€ pro Abhebung.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der Mastercard Kreditkarte ist die Abhebung ab 50€ kostenlos, darunter 2,50€ pro Abhebung. Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann ab 50€ unbegrenzt kostenlos an den Mastercard-Geldautomaten abgehoben werden, darunter pro Abhebung 2,50€.\u003C\u002Fp>\n\u003Cp>Hinzu kommen kostenlose Abhebungen an den 4.500 Cash-Group-Geldautomaten\u003C\u002Fp>","\u003Cp>Kostenlos an Geldautomaten der Deutschen Bank mit Einzahlfunktion\u003C\u002Fp>",[425],[1266,1267],{"label":428,"value":15},{"label":430,"value":15},[432],[432],[1271,1273],{"feature":1272,"rating":15},"24\u002F7 erreichbar",{"feature":1274,"rating":15},"4% p.a. Zinsen auf dem Tagesgeldkonto vom 01.07. bis 31.12.2026",4.89717,3.03239,"10,50%","120€ Bonus","500","3,90€","🟠 42 \u002F 100 (schwach)","https:\u002F\u002Fwww.norisbank.de\u002Fdam\u002Fnorisbank\u002Fde\u002Fshared\u002Fpdf\u002Fentgeltinformation-top-girokonto.pdf","120€ ","2026-07-02T14:39:37.365Z","2023-01-05T13:45:28.629Z","https:\u002F\u002Fwww.norisbank.de\u002Fdam\u002Fnorisbank\u002Fde\u002Fshared\u002Fpdf\u002FPreis_und_Leistungsverzeichnis.pdf",[1288,1290,1292],{"label":469,"logo":1289},{"id":471,"filename_download":472},{"label":474,"logo":1291},{"id":476,"filename_download":477},{"label":575,"logo":1293},{"id":577,"filename_download":578},[1295,1297,1299],{"label":480,"logo":1296},{"id":482,"filename_download":483},{"label":485,"logo":1298},{"id":487,"filename_download":488},{"label":1300,"logo":1301},"Samsung Pay",{"id":1302,"filename_download":1303},"fc89723f-0a02-4a8b-97d7-59112548e8ef","Samsung_Pay_Logo.svg",[1305,1307],{"atm_networks_id":1306},{"label":1210,"machines_count":1211},{"atm_networks_id":1308},{"label":629,"machines_count":493},[1310,1313],{"customer_support_id":1311},{"label":497,"image":1312},{"id":499,"filename_download":500},{"customer_support_id":1314},{"label":593,"image":1315},{"id":595,"filename_download":596},[1317,1320],{"customer_support_id":1318},{"label":609,"image":1319},{"id":611,"filename_download":612},{"customer_support_id":1321},{"label":510,"image":1322},{"id":512,"filename_download":513},[371],{"label":334,"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":1325,"app_rating":30,"logo":1330},[1326,1328],{"bic":1327},"NORSDE51XXX",{"bic":1329},"NORSDE71XXX",{"id":336,"filename_download":337},{"id":75,"description":30,"label":67,"date_updated":621,"date_created":622,"user_created":521,"user_updated":623,"logo":1332},{"id":625,"filename_download":626},{"id":628,"description":30,"label":629,"date_updated":630,"date_created":631,"user_created":522,"user_updated":632,"logo":1334},{"id":634,"filename_download":635},{"id":628,"description":30,"label":629,"date_updated":630,"date_created":631,"user_created":522,"user_updated":632,"logo":1336},{"id":634,"filename_download":635},{"item":1338},{"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":1339,"free_sub_accounts":30,"card_preview":1340,"app_rating":409,"cash_limit_per_day":30,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":59,"app_rating_android":63,"debitcard_description":1341,"girocard_description":1342,"deposit_protection_description":412,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":1343,"button_info_description":30,"joint_accounts_card_count_description":1344,"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":1345,"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":1346,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":1347,"fee_withdrawal_euro_countries_description":1348,"fee_withdrawal_non_euro_countries_description":1349,"fee_payment_euro_countries_description":1350,"fee_payment_non_euro_countries_description":1351,"free_withdrawals_per_month_description":1352,"fee_withdrawal_100_euro_countries_description":1353,"fee_payment_100_euro_countries_description":1350,"deposit_money_description":1354,"fee_payment_100_non_euro_countries_description":1351,"fee_withdrawal_100_non_euro_countries_description":1355,"label_description":30,"depot_description":30,"free_sub_accounts_description":30,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":30,"contactless_payment_services_description":30,"creditcard_description":30,"country":1356,"real_time_bankwire":1357,"customer_support":1360,"account_type":30,"child_account_conditions":30,"support":1361,"special_features":30,"student_rating":30,"rating_joint_account":1362,"rating":1362,"bank_sustainability_rating":1363,"rating_without_schufa":30,"fee_payment_euro_countries":445,"fee_withdrawal_100_euro_countries":552,"fee_payment_100_euro_countries":445,"custody_fee":30,"creditcard_value":553,"debitcard_value":445,"girocard_value":557,"account_maintenance_fee":1364,"overdraft_interest":1365,"fee_payment_non_euro_countries":1073,"fee_payment_100_non_euro_countries":1074,"fee_withdrawal_100_non_euro_countries":552,"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":445,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":1364,"account_fees_with_deposits":1364,"app_rating_value":667,"sustainability_score":1366,"fee_information_description":30,"fee_information":30,"real_time_bankwire_value":455,"price_performance_description":30,"free_withdrawals_per_month":560,"starting_premium":30,"fee_withdrawal_euro_countries":552,"deposit_protection":458,"button_info":30,"joint_accounts_card_count":843,"app_rating_android_value":667,"app_rating_ios_value":1082,"student_account_url":30,"account_type_value":30,"label":1367,"status":461,"date_updated":1368,"date_created":1369,"fee_withdrawal_non_euro_countries":1370,"url":30,"price_performance":30,"user_updated":567,"user_created":632,"online_banking":1371,"contactless_payment_services":1378,"atm_network":1383,"ident_method":1386,"tan_method":1393,"joint_account_type_chips":1400,"provider":1402,"girocard":1448,"debitcard":1450,"creditcard":1452},30,79,"\u003Cp>UniCredit Card\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">girocard (Debitkarte) für 12€ im Jahr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan class=\"Yjhzub\">HVB FlexSparen\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>UniCredit Card (Mastercard-Debitkarte) und HVB ServiceCard\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Vorteilsprogramm valyou: Bronze Status 7,43€\u002FMonat, Silber Status 4,95€\u002FMonat, Gold Status 0€\u002FMonat\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 39%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 63%\u003C\u002Fp>\n\u003Cp>🟡 Gender Equality: 60%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 53%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 64%\u003C\u002Fp>\n\u003Cp>🟡  Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 23%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Für Neukunden ist das HVB PlusKonto zwei Jahre kostenlos statt 9,90 € mtl., danach in Abhängigkeit vom Status im Vorteilsprogramm valyou: kein Status 9,90 € mtl., Bronze Status 7,43 € mtl., Silber Status 4,95 €, Gold Status 0,00 €."}\" data-sheets-userformat=\"{"2":4995,"3":{"1":0},"4":{"1":2,"2":16711935},"10":2,"11":3,"12":0,"15":"Arial"}\">Vorteilsprogramm valyou: Bronze Status 7,43€\u002FMonat, Silber Status 4,95€\u002FMonat, Gold Status 0€\u002FMonat\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Kostenlos mit der UniCredit Card an Geldautomaten der UniCredit Group und der Cash Group\u003C\u002Fspan>\u003Cspan style=\"font-size: 10pt; font-family: Arial; font-style: normal;\" data-sheets-value=\"{"1":2,"2":"Kostenlos an Geldautomaten der UniCredit Group"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">An Geldautomaten der UniCredit Group fallen lediglich 1,75% Fremdwährungsgebühr an. 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data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">Kostenlos am Schalter der HypoVereinsbank und Cash Group Automaten\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos an Geldautomaten der UniCredit Group; Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>",[425],[1358,1359],{"label":428,"value":15},{"label":430,"value":15},[432,433],[432,433],2.8088,2.30293,"9,90€","12,92%","🟠 40 \u002F 100 (schwach)","Hypovereinsbank HVB PlusKonto","2026-05-07T10:16:57.289Z","2023-08-15T09:05:37.303Z","2,5€ + 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Unterkonten\u003C\u002Fp>",[425],[1914,1915],{"label":428,"value":15},{"label":430,"value":15},[433,432],[432,433],[1919],{"feature":437,"rating":15},3.28745,3.71462,4.29582,"17,90€","17€","2026-06-26T13:13:24.245Z","2025-02-19T11:32:55.162Z",[1928,1930],{"label":469,"logo":1929},{"id":471,"filename_download":472},{"label":474,"logo":1931},{"id":476,"filename_download":477},[1933,1935],{"label":480,"logo":1934},{"id":482,"filename_download":483},{"label":485,"logo":1936},{"id":487,"filename_download":488},[1938],{"atm_networks_id":1939},{"label":492,"machines_count":493},[1941,1944,1947],{"customer_support_id":1942},{"label":870,"image":1943},{"id":872,"filename_download":873},{"customer_support_id":1945},{"label":497,"image":1946},{"id":499,"filename_download":500},{"customer_support_id":1948},{"label":593,"image":1949},{"id":595,"filename_download":596},[1951,1954],{"customer_support_id":1952},{"label":504,"image":1953},{"id":506,"filename_download":507},{"customer_support_id":1955},{"label":510,"image":1956},{"id":512,"filename_download":513},[1958],34,{"label":389,"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":1960},{"id":391,"filename_download":392},{"id":59,"description":30,"label":518,"date_updated":519,"date_created":520,"user_created":521,"user_updated":522,"logo":1962},{"id":524,"filename_download":525},{"item":1964},{"free_daily_account_interests":15,"wero":16,"without_schufa":16,"free_wire":15,"cash_in_retail":15,"giro_interest":16,"joint_account_possible":16,"same_primary_residence_required":16,"is_free_for_students":30,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":1965,"free_sub_accounts":59,"card_preview":30,"app_rating":409,"cash_limit_per_day":30,"cash_limit_per_week":30,"cash_limit_per_month":30,"app_rating_ios":59,"app_rating_android":63,"debitcard_description":30,"girocard_description":1966,"deposit_protection_description":412,"giro_interest_description":30,"wero_description":30,"free_daily_account_interests_description":1159,"button_info_description":30,"joint_accounts_card_count_description":1160,"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":1054,"customer_service_description":30,"real_time_bankwire_description":30,"starting_premium_description":30,"account_maintenance_fee_description":30,"fee_withdrawal_euro_countries_description":30,"fee_withdrawal_non_euro_countries_description":1164,"fee_payment_euro_countries_description":30,"fee_payment_non_euro_countries_description":1967,"free_withdrawals_per_month_description":1166,"fee_withdrawal_100_euro_countries_description":30,"fee_payment_100_euro_countries_description":30,"deposit_money_description":1167,"fee_payment_100_non_euro_countries_description":1967,"fee_withdrawal_100_non_euro_countries_description":1169,"label_description":30,"depot_description":30,"free_sub_accounts_description":907,"branches_description":30,"support_description":30,"custody_fee_description":30,"overdraft_interest_description":30,"contactless_payment_services_description":30,"creditcard_description":1968,"country":1969,"real_time_bankwire":1970,"customer_support":1973,"account_type":30,"child_account_conditions":30,"support":1974,"special_features":30,"student_rating":30,"rating_joint_account":1975,"rating":1975,"bank_sustainability_rating":1976,"rating_without_schufa":30,"fee_payment_euro_countries":445,"fee_withdrawal_100_euro_countries":1179,"fee_payment_100_euro_countries":445,"custody_fee":30,"creditcard_value":1180,"debitcard_value":445,"girocard_value":445,"account_maintenance_fee":1364,"overdraft_interest":1181,"fee_payment_non_euro_countries":1182,"fee_payment_100_non_euro_countries":1479,"fee_withdrawal_100_non_euro_countries":1179,"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":190,"max_amount_free_withdrawals":30,"necessary_deposits":30,"account_fees_without_deposits":1364,"account_fees_with_deposits":1364,"app_rating_value":563,"sustainability_score":1078,"fee_information_description":175,"fee_information":1977,"real_time_bankwire_value":455,"price_performanc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style=\"font-size: 10pt; font-family: Arial; font-style: normal;\" data-sheets-value=\"{"1":2,"2":"bis zu 2 Girocards gratis"}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">bis zu 2 Girocards gratis\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Min. 1,50€ innerhalb der EU, sonst mind. 2,50€; Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Commerzbank Classic Kreditkarte Mastercard oder Visa kann für 39,90 € pro Jahr hinzugebucht werden\u003C\u002Fp>",[425],[1971,1972],{"label":428,"value":15},{"label":430,"value":15},[432],[432],3.14923,2.34549,"https:\u002F\u002Fwww.commerzbank.de\u002Fportal\u002Fmedia\u002Fefw-dokumente\u002Fpreise_konditionen.pdf","Commerzbank KlassikKonto","2026-07-10T13:25:21.148Z","2023-08-02T13:40:04.143Z",[1982,1984,1986],{"label":469,"logo":1983},{"id":471,"filename_download":472},{"label":474,"logo":1985},{"id":476,"filename_download":477},{"label":575,"logo":1987},{"id":577,"filename_download":578},[1989,1991,1993],{"label":480,"logo":1990},{"id":482,"filename_download":483},{"label":485,"logo":1992},{"id":487,"filename_download":488},{"label":1102,"logo":1994},{"id":1104,"filename_download":1105},[1996],{"atm_networks_id":1997},{"label":1210,"machines_count":1211},[1999,2002],{"customer_support_id":2000},{"label":497,"image":2001},{"id":499,"filename_download":500},{"customer_support_id":2003},{"label":593,"image":2004},{"id":595,"filename_download":596},[2006,2009],{"customer_support_id":2007},{"label":504,"image":2008},{"id":506,"filename_download":507},{"customer_support_id":2010},{"label":609,"image":2011},{"id":611,"filename_download":612},[2013],41,{"label":1228,"tan_method_value":30,"tan_method_description":30,"ident_method_value":30,"ident_method_description":30,"customer_support":30,"customer_support_description":30,"app_rating_value":30,"app_rating_description":30,"branches":15,"branches_description":30,"bic":2015,"app_rating":30,"logo":2019},[2016,2017,2018],{"bic":1231},{"bic":1233},{"bic":1235},{"id":1237,"filename_download":1238},{"id":75,"description":30,"label":67,"date_updated":621,"date_created":622,"user_created":521,"user_updated":623,"logo":2021},{"id":625,"filename_download":626},{"id":628,"description":30,"label":629,"date_updated":630,"date_created":631,"user_created":522,"user_updated":632,"logo":2023},{"id":634,"filename_download":635},{"id":628,"description":30,"label":629,"date_updated":630,"date_created":631,"user_created":522,"user_updated":632,"logo":2025},{"id":634,"filename_download":635},[2027,2028,2029,2030,2031,2034,2035,2036,2038,2040,2042,2043,2045,2046,2047,2048,2049,2050,2051,2052,2053,2054,2055,2057,2058,2059,2060,2061,2062,2064,2066,2067,2069,2071,2072,2073,2074],{"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},{"label":44,"key":45,"type":46,"active":15,"description":47},{"key":49,"type":50,"active":15,"description":51,"label":52,"options":2032,"sort_options":2033,"sortable":16},[],[],{"key":56,"type":46,"active":15,"label":57,"description":58,"filter_condition":30,"filterable":16,"filter_type":30,"filter_options":30,"sortable":15,"mobile_rank":59},{"key":61,"type":46,"active":15,"label":62,"mobile_rank":63},{"key":65,"type":66,"active":15,"label":67,"options":2037,"mobile_rank":70},[69],{"key":72,"type":66,"active":15,"label":73,"options":2039,"mobile_rank":75},[69],{"key":77,"type":66,"active":15,"label":78,"options":2041},[69],{"key":81,"type":66,"active":15,"label":82},{"key":84,"type":85,"active":15,"label":86,"description":87,"options":2044},[69],{"key":90,"type":91,"active":15,"value":30,"field":92,"label":93,"description":94},{"key":96,"type":46,"active":15,"label":97,"description":98},{"key":100,"type":46,"active":15,"label":101},{"key":103,"type":46,"active":16,"label":104},{"key":106,"type":46,"active":15,"label":107,"description":108},{"key":110,"type":46,"active":16,"label":111},{"key":113,"type":46,"active":15,"label":114},{"key":116,"type":46,"active":16,"label":117},{"key":119,"type":46,"active":15,"label":120,"description":121},{"key":123,"type":46,"active":16,"label":124},{"key":126,"label":127,"type":128,"active":15,"description":129,"options":2056},[69],{"label":132,"key":133,"type":85,"active":15},{"label":135,"key":136,"active":15,"description":137,"type":85},{"key":139,"type":46,"active":15,"label":140},{"key":142,"type":46,"active":16,"label":143},{"key":145,"type":146,"active":15,"label":147,"description":148},{"key":150,"type":85,"active":15,"label":151,"options":2063},[69],{"key":154,"type":66,"active":15,"options":2065,"label":157},[156],{"key":159,"type":46,"active":15,"label":160},{"key":162,"type":85,"active":15,"label":163,"options":2068},[69],{"key":166,"type":85,"active":15,"label":167,"options":2070},[69],{"key":170,"type":171,"active":16,"label":172},{"key":174,"label":175,"type":171,"active":16},{"key":177,"type":178,"active":15,"label":179},{"key":181,"type":46,"active":16,"label":182},{"blocks":2076,"breadcrumbs":2203,"id":2211,"seo":2212,"slug":6,"title":2228,"vgWortUrl":2229},[2077,2086,2093,2099,2105,2111,2121,2127,2133,2139,2145,2151,2157,2163,2169,2175,2181,2188,2194],{"innerBlocks":2078,"name":2079,"postId":2080,"originalContent":2081,"order":1535,"get_parent":2082,"attributes":2083,"dynamicContent":30},[],"core\u002Fheading",3071188,"\u003Ch2>Was sind nachhaltige Banken? \u003C\u002Fh2>",{},{"content":2084,"level":63,"anchor":2085},"Was sind nachhaltige Banken? ","",{"innerBlocks":2087,"name":2088,"postId":2080,"originalContent":2089,"get_parent":2090,"attributes":2091,"dynamicContent":30},[],"core\u002Fparagraph","\u003Cp>Nachhaltige oder ethische Banken berücksichtigen sowohl finanzielle als auch soziale und ökologische Aspekte bei ihren Unternehmens- und Investitionsentscheidungen. Anstatt Kundengelder in kontroverse Bereiche zu investieren, werden sie für Projekte und Firmen eingesetzt, die positive zur Gesellschaft und Umwelt beitragen.\u003C\u002Fp>",{},{"content":2092,"dropCap":16,"anchor":2085},"Nachhaltige oder ethische Banken berücksichtigen sowohl finanzielle als auch soziale und ökologische Aspekte bei ihren Unternehmens- und Investitionsentscheidungen. Anstatt Kundengelder in kontroverse Bereiche zu investieren, werden sie für Projekte und Firmen eingesetzt, die positive zur Gesellschaft und Umwelt beitragen.",{"innerBlocks":2094,"name":2088,"postId":2080,"originalContent":2095,"get_parent":2096,"attributes":2097,"dynamicContent":30},[],"\u003Cp>Der Klimawandel stellt ein zentrales Element für die Beurteilung von nachhaltigen und verantwortungsbewussten Finanzinstituten dar. Nachhaltige Banken unterstützen Projekte, die zur Reduzierung von Treibhausgasemissionen beitragen, beispielsweise in den Bereichen erneuerbare Energien oder Energieeffizienz. Sie vermeiden Investitionen in Branchen, die stark zum Klimawandel beitragen, wie Öl, Gas und Kohle.\u003C\u002Fp>",{},{"content":2098,"dropCap":16,"anchor":2085},"Der Klimawandel stellt ein zentrales Element für die Beurteilung von nachhaltigen und verantwortungsbewussten Finanzinstituten dar. Nachhaltige Banken unterstützen Projekte, die zur Reduzierung von Treibhausgasemissionen beitragen, beispielsweise in den Bereichen erneuerbare Energien oder Energieeffizienz. Sie vermeiden Investitionen in Branchen, die stark zum Klimawandel beitragen, wie Öl, Gas und Kohle.",{"innerBlocks":2100,"name":2088,"postId":2080,"originalContent":2101,"get_parent":2102,"attributes":2103,"dynamicContent":30},[],"\u003Cp>Weitere Aspekte, die ethische Banken berücksichtigen, sind die Förderung von Geschlechtergleichheit und Menschenrechten. Außerdem werden Investitionen in bestimmte Branchen, wie die Rüstungsindustrie, vermieden. \u003C\u002Fp>",{},{"content":2104,"dropCap":16,"anchor":2085},"Weitere Aspekte, die ethische Banken berücksichtigen, sind die Förderung von Geschlechtergleichheit und Menschenrechten. Außerdem werden Investitionen in bestimmte Branchen, wie die Rüstungsindustrie, vermieden. ",{"innerBlocks":2106,"name":2088,"postId":2080,"originalContent":2107,"get_parent":2108,"attributes":2109,"dynamicContent":30},[],"\u003Cp>In diesem Vergleich werden zwei Aspekte bewertet: Zum einen wird die Leistung und das Angebot des Girokontos bewertet. Mehr dazu findest du in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fgirokonto\u002F\">Girokonto-Vergleich\u003C\u002Fa>. Zum anderen wird ethische und nachhaltige Kriterien bewertet. Dazu verwenden wir die Nachhaltigkeitsbewertung von Facing Finance. Beide Bewertungen fließen im Verhältnis 2:3 (Girokonto-Bewertung : Nachhaltigkeitsbewertung) zu einer Testnote zusammen. \u003C\u002Fp>",{},{"content":2110,"dropCap":16,"anchor":2085},"In diesem Vergleich werden zwei Aspekte bewertet: Zum einen wird die Leistung und das Angebot des Girokontos bewertet. Mehr dazu findest du in unserem \u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002F\" class=\"app-link\">Girokonto-Vergleich\u003C\u002Fa>. Zum anderen wird ethische und nachhaltige Kriterien bewertet. Dazu verwenden wir die Nachhaltigkeitsbewertung von Facing Finance. Beide Bewertungen fließen im Verhältnis 2:3 (Girokonto-Bewertung : Nachhaltigkeitsbewertung) zu einer Testnote zusammen.",{"innerBlocks":2112,"name":2113,"postId":2080,"originalContent":2114,"get_parent":2115,"attributes":2116,"dynamicContent":30},[],"core\u002Fembed","\u003Cfigure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\u003Cdiv class=\"wp-block-embed__wrapper\">\nhttps:\u002F\u002Fwww.youtube.com\u002Fwatch?v=G_mmLrvpPMc&ab_channel=Finanzfluss\n\u003C\u002Fdiv>\u003C\u002Ffigure>",{},{"caption":2085,"allowResponsive":15,"responsive":15,"previewable":15,"url":2117,"type":2118,"providerNameSlug":2119,"className":2120},"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=G_mmLrvpPMc&ab_channel=Finanzfluss","video","youtube","wp-embed-aspect-16-9 wp-has-aspect-ratio",{"innerBlocks":2122,"name":2079,"postId":2080,"originalContent":2123,"get_parent":2124,"attributes":2125,"dynamicContent":30},[],"\u003Ch2>Warum sollte man eine nachhaltige Bank nutzen?\u003C\u002Fh2>",{},{"content":2126,"level":63,"anchor":2085},"Warum sollte man eine nachhaltige Bank nutzen?",{"innerBlocks":2128,"name":2088,"postId":2080,"originalContent":2129,"get_parent":2130,"attributes":2131,"dynamicContent":30},[],"\u003Cp>Durch die Entscheidung, ein Girokonto bei einer nachhaltigen oder ethischen Bank zu eröffnen, kannst du aktiv dazu beitragen, positive Veränderungen in Bezug auf Klimaschutz, Menschenrechte und andere nachhaltige Aspekte zu fördern.\u003C\u002Fp>",{},{"content":2132,"dropCap":16,"anchor":2085},"Durch die Entscheidung, ein Girokonto bei einer nachhaltigen oder ethischen Bank zu eröffnen, kannst du aktiv dazu beitragen, positive Veränderungen in Bezug auf Klimaschutz, Menschenrechte und andere nachhaltige Aspekte zu fördern.",{"innerBlocks":2134,"name":2088,"postId":2080,"originalContent":2135,"get_parent":2136,"attributes":2137,"dynamicContent":30},[],"\u003Cp>Und das funktioniert so: Legst du dein Geld auf ein Bankkonto oder sparst einen gewissen Betrag auf einem Tagesgeld- oder Festgeldkonto, arbeitet die Bank mit diesem Geld. Das bedeutet, sie nutzt die Kundeneinlagen, um beispielsweise Kredite zu vergeben. Dafür erhält die Bank Zinsen. Einen Teil der Zinsen wird – je nach Bank – an die Kunden weitergegeben und die Differenz ist ihr Gewinn. \u003C\u002Fp>",{},{"content":2138,"dropCap":16,"anchor":2085},"Und das funktioniert so: Legst du dein Geld auf ein Bankkonto oder sparst einen gewissen Betrag auf einem Tagesgeld- oder Festgeldkonto, arbeitet die Bank mit diesem Geld. Das bedeutet, sie nutzt die Kundeneinlagen, um beispielsweise Kredite zu vergeben. Dafür erhält die Bank Zinsen. Einen Teil der Zinsen wird – je nach Bank – an die Kunden weitergegeben und die Differenz ist ihr Gewinn. ",{"innerBlocks":2140,"name":2088,"postId":2080,"originalContent":2141,"get_parent":2142,"attributes":2143,"dynamicContent":30},[],"\u003Cp>Möchtest du nun nicht, dass die Bank mit deinen Einlagen beliebige Projekte, zum Beispiel in kontroversen Branchen, finanziert, musst du eine Bank finden, die eben solche Projekte aus ihren Geschäftstätigkeiten ausschließt. Die Suche gestaltet sich in der Praxis aber als schwierig, da viele konventionelle Banken ihre Geschäftstätigkeit nicht so transparent offenlegen, dass diese für jeden nachvollziehbar ist.\u003C\u002Fp>",{},{"content":2144,"dropCap":16,"anchor":2085},"Möchtest du nun nicht, dass die Bank mit deinen Einlagen beliebige Projekte, zum Beispiel in kontroversen Branchen, finanziert, musst du eine Bank finden, die eben solche Projekte aus ihren Geschäftstätigkeiten ausschließt. Die Suche gestaltet sich in der Praxis aber als schwierig, da viele konventionelle Banken ihre Geschäftstätigkeit nicht so transparent offenlegen, dass diese für jeden nachvollziehbar ist.",{"innerBlocks":2146,"name":2088,"postId":2080,"originalContent":2147,"get_parent":2148,"attributes":2149,"dynamicContent":30},[],"\u003Cp>Diese Lücke füllen Banken mit einem besonderen ethischen oder nachhaltigen Anspruch. Sie investieren zum einen gezielt in Unternehmen und Projekte, die sozialen, ökologischen und ökonomischen Standards entsprechen. Zum anderen wird gezielt nicht in Unternehmen investiert, die diesen Standards nicht entsprechen. Auf diese Weise kannst du mit deinen Kundeneinlagen steuern, dass diese nur zu bestimmten Zwecken verwendet werden.\u003C\u002Fp>",{},{"content":2150,"dropCap":16,"anchor":2085},"Diese Lücke füllen Banken mit einem besonderen ethischen oder nachhaltigen Anspruch. Sie investieren zum einen gezielt in Unternehmen und Projekte, die sozialen, ökologischen und ökonomischen Standards entsprechen. Zum anderen wird gezielt nicht in Unternehmen investiert, die diesen Standards nicht entsprechen. Auf diese Weise kannst du mit deinen Kundeneinlagen steuern, dass diese nur zu bestimmten Zwecken verwendet werden.",{"innerBlocks":2152,"name":2088,"postId":2080,"originalContent":2153,"get_parent":2154,"attributes":2155,"dynamicContent":30},[],"\u003Cp>Hinzu kommt, dass nachhaltige Banken meist transparenter agieren. Sie legen offen, in welche Projekte und Unternehmen sie investieren oder werben sogar damit, sodass Kunden genau wissen, wofür ihr Geld verwendet wird.\u003C\u002Fp>",{},{"content":2156,"dropCap":16,"anchor":2085},"Hinzu kommt, dass nachhaltige Banken meist transparenter agieren. Sie legen offen, in welche Projekte und Unternehmen sie investieren oder werben sogar damit, sodass Kunden genau wissen, wofür ihr Geld verwendet wird.",{"innerBlocks":2158,"name":2079,"postId":2080,"originalContent":2159,"get_parent":2160,"attributes":2161,"dynamicContent":30},[],"\u003Ch2>Die Nachhaltigkeitsbewertung von Facing Finance\u003C\u002Fh2>",{},{"content":2162,"level":63,"anchor":2085},"Die Nachhaltigkeitsbewertung von Facing Finance",{"innerBlocks":2164,"name":2088,"postId":2080,"originalContent":2165,"get_parent":2166,"attributes":2167,"dynamicContent":30},[],"\u003Cp>Um die Nachhaltigkeit von Banken zu bewerten, bedient sich dieser Vergleich der Bewertung des \u003Ca href=\"https:\u002F\u002Fwww.fairfinanceguide.de\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Finance Guide\u003C\u002Fa> von Facing Finance e.V. In der Vergleichstabelle ist sowohl diese Nachhaltigkeitsbewertung als auch eine Gesamtbewertung zu sehen. \u003C\u002Fp>",{},{"content":2168,"dropCap":16,"anchor":2085},"Um die Nachhaltigkeit von Banken zu bewerten, bedient sich dieser Vergleich der Bewertung des \u003Ca href=\"https:\u002F\u002Fwww.fairfinanceguide.de\u002F\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"app-link\">Fair Finance Guide\u003C\u002Fa> von Facing Finance e.V. In der Vergleichstabelle ist sowohl diese Nachhaltigkeitsbewertung als auch eine Gesamtbewertung zu sehen.",{"innerBlocks":2170,"name":2088,"postId":2080,"originalContent":2171,"get_parent":2172,"attributes":2173,"dynamicContent":30},[],"\u003Cp>Der Fair Finance Guide Deutschland ist eine Initiative von Facing Finance und bewertet die Investitions- und Finanzierungspraktiken von Banken und Sparkassen. Dabei werden sowohl die Selbstverpflichtungen der Finanzinstitute als auch ihre tatsächlichen Geschäftspraktiken überprüft. Die Bewertung wird mindestens einmal im Jahr aktualisiert.\u003C\u002Fp>",{},{"content":2174,"dropCap":16,"anchor":2085},"Der Fair Finance Guide Deutschland ist eine Initiative von Facing Finance und bewertet die Investitions- und Finanzierungspraktiken von Banken und Sparkassen. Dabei werden sowohl die Selbstverpflichtungen der Finanzinstitute als auch ihre tatsächlichen Geschäftspraktiken überprüft. Die Bewertung wird mindestens einmal im Jahr aktualisiert.",{"innerBlocks":2176,"name":2088,"postId":2080,"originalContent":2177,"get_parent":2178,"attributes":2179,"dynamicContent":30},[],"\u003Cp>Die Bewertung setzt sich aus Bewertungen dieser Themen und Branchen zusammen:\u003C\u002Fp>",{},{"content":2180,"dropCap":16,"anchor":2085},"Die Bewertung setzt sich aus Bewertungen dieser Themen und Branchen zusammen:",{"innerBlocks":2182,"name":2183,"postId":2080,"originalContent":2184,"get_parent":2185,"attributes":2186,"dynamicContent":30},[],"core\u002Flist","\u003Cul>\u003Cli>Klimaschutz\u003C\u002Fli>\u003Cli>Korruption\u003C\u002Fli>\u003Cli>Gender Equality\u003C\u002Fli>\u003Cli>Menschenrechte\u003C\u002Fli>\u003Cli>Arbeitsrechte\u003C\u002Fli>\u003Cli>Natur & Umwelt\u003C\u002Fli>\u003Cli>Steuern\u003C\u002Fli>\u003Cli>Rüstung\u003C\u002Fli>\u003Cli>Nahrungsmittel\u003C\u002Fli>\u003Cli>Forstwirtschaft\u003C\u002Fli>\u003Cli>Bergbau\u003C\u002Fli>\u003Cli>Öl & Gas\u003C\u002Fli>\u003Cli>Energieerzeugung\u003C\u002Fli>\u003Cli>Transparenz & Rechenschaft\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":16,"values":2187,"anchor":2085},"\u003Cli>Klimaschutz\u003C\u002Fli>\u003Cli>Korruption\u003C\u002Fli>\u003Cli>Gender Equality\u003C\u002Fli>\u003Cli>Menschenrechte\u003C\u002Fli>\u003Cli>Arbeitsrechte\u003C\u002Fli>\u003Cli>Natur & Umwelt\u003C\u002Fli>\u003Cli>Steuern\u003C\u002Fli>\u003Cli>Rüstung\u003C\u002Fli>\u003Cli>Nahrungsmittel\u003C\u002Fli>\u003Cli>Forstwirtschaft\u003C\u002Fli>\u003Cli>Bergbau\u003C\u002Fli>\u003Cli>Öl & Gas\u003C\u002Fli>\u003Cli>Energieerzeugung\u003C\u002Fli>\u003Cli>Transparenz & Rechenschaft\u003C\u002Fli>",{"innerBlocks":2189,"name":2088,"postId":2080,"originalContent":2190,"get_parent":2191,"attributes":2192,"dynamicContent":30},[],"\u003Cp>In unserem Vergleich werden die Themen-Bewertungen (also z.B. Klimaschutz oder Menschenrechte) ebenfalls dargestellt.\u003C\u002Fp>",{},{"content":2193,"dropCap":16,"anchor":2085},"In unserem Vergleich werden die Themen-Bewertungen (also z.B. Klimaschutz oder Menschenrechte) ebenfalls dargestellt.",{"innerBlocks":2195,"name":2196,"postId":2080,"originalContent":2085,"saveContent":2085,"get_parent":2197,"attributes":2198},[],"acf\u002Fdashed-card",{},{"name":2196,"data":2199},{"color":2200,"title":2085,"description":2201,"emoji":2085,"link":2202,"button_text":2085},"grey","Die Nutzung der Nachhaltigkeitsbewertung des Fair Finance Guide wird durch \u003Ca href=\"https:\u002F\u002Fwww.facing-finance.org\u002F\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"app-link\">Facing Finance\u003C\u002Fa> gestattet. Methodik und Zusammensetzung der Bankenbewertung sind der Website des \u003Ca href=\"https:\u002F\u002Fwww.fairfinanceguide.de\u002F\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"app-link\">Fair Finance Guide\u003C\u002Fa> zu entnehmen. Es besteht keine Kooperation zwischen Facing Finance und Finanzfluss. Facing Finance e.V. ist gemeinnützig und unabhängig von Unternehmen, Banken und anderen Finanzinstituten.","\u002F",[2204,2207,2210],{"title":2205,"link":2206},"Vergleich","\u002Fvergleich\u002F",{"title":2208,"link":2209},"Girokonto","\u002Fvergleich\u002Fgirokonto\u002F",{"title":7,"link":2085},"cG9zdDozMDcxMTg4",{"__typename":2213,"metaDesc":2214,"opengraphType":2215,"opengraphTitle":2216,"opengraphSiteName":2217,"opengraphImage":2218,"metaRobotsNoindex":2225,"metaRobotsNofollow":2226,"opengraphDescription":2214,"opengraphModifiedTime":2227,"opengraphPublishedTime":2085,"twitterTitle":2085,"twitterDescription":2085,"title":2216,"readingTime":70},"PostTypeSEO","Du suchst eine Bank, die dein Geld fair und nachhaltig anlegt? In diesem Vergleich kannst sehen, welche Bank nachhaltig ist und wie gut deine bisherige Bank ist.","article","Nachhaltige-Banken-Vergleich: 15 grüne Banken im Test (07\u002F2026)","Finanzfluss",{"__typename":2219,"sourceUrl":2220,"mediaDetails":2221},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F09\u002Fheader-nachhaltige-banken.jpg",{"__typename":2222,"width":2223,"height":2224},"MediaDetails",1280,720,"index","follow","2024-12-20T12:43:46+00:00","Nachhaltige-Banken-Vergleich 2026","https:\u002F\u002Fvg02.met.vgwort.de\u002Fna\u002F4b1f775060ce472ab09af26bed174b5c","\u002Fvergleich\u002Fgirokonto\u002Fnachhaltige-banken\u002F","sub-comparison",1784640736475]