[{"data":1,"prerenderedAt":7463},["ShallowReactive",2],{"comparison-girokonto-praemien":3},{"directusData":4,"page":7118,"uri":7461,"type":7462},{"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":35,"custom_table_columns":36,"table_sort":206,"disclaimer":213,"selected_alt_product_name":35,"parent_awards":214,"award_highlight":215,"tags":35,"award_1_label":216,"award_2_label":217,"award_3_label":218,"comparison":219,"user_created":4453,"award_1_item":4459,"award_2_item":4464,"award_3_item":4469,"items":4474,"table_columns":7061,"product_selection_title":225},3,"praemien","Girokonto mit Prämie","\u003Ch2>Die besten Girokonten mit Startguthaben 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Ein Girokonto mit Prämie sichert dir bei Eröffnung einen Geldbetrag zwischen 20€ und teilweise sogar 200€. Um dir eine attraktive Startprämie zu sichern, kannst du hier das beste Girokonto finden.\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",[31],{"title":32,"key":33,"value":34},"Konto mit Prämie","hasBonus","true",null,[37,40,44,48,53,59,64,68,74,79,83,88,94,100,104,107,110,113,117,120,123,126,130,133,136,142,145,149,152,155,160,164,169,174,179,184,187,191,195,199,202],{"key":38,"type":38,"active":15,"label":39,"filterable":16},"provider","Anbieter",{"key":41,"type":42,"active":15,"label":43,"filterable":16},"label","product","Konto",{"key":45,"type":46,"active":15,"label":47,"custom_cta":35,"custom_cta_no_affiliate":35},"url","cta","Angebot",{"label":49,"key":50,"type":51,"active":15,"description":52},"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":54,"type":54,"active":15,"description":55,"label":56,"options":57,"sort_options":58,"sortable":16},"rating","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>","Girokonto-Test",[],[],{"key":60,"type":51,"active":15,"label":61,"description":62,"mobile_rank":63},"starting_premium","Startprämie","\u003Cp dir=\"ltr\">Als Startprämie werden ausschließlich Geldprämien angezeigt. Sonstige Aktionen wie Cashback, reduzierte Kontoführungsgebühr, Zinsen auf Konto etc. werden nicht angezeigt.\u003C\u002Fp>",1,{"key":65,"type":51,"active":15,"label":66,"mobile_rank":67},"account_maintenance_fee","Kontoführungsgebühr (p.M.)",2,{"key":69,"type":70,"active":15,"label":71,"options":72,"mobile_rank":35},"girocard","image","Girocard",[73],"icons-filled",{"key":75,"type":70,"active":15,"label":76,"options":77,"mobile_rank":78},"debitcard","Debitkarte",[73],4,{"key":80,"type":70,"active":15,"label":81,"options":82,"mobile_rank":35},"creditcard","Kreditkarte",[73],{"key":84,"type":70,"active":15,"label":85,"options":86},"contactless_payment_services","Mobile Bezahldienste",[87],"disable-tooltip",{"key":89,"type":90,"active":15,"label":91,"description":92,"options":93},"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>",[73],{"key":95,"type":96,"active":15,"value":35,"field":97,"label":98,"description":99,"mobile_rank":5},"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":101,"type":51,"active":15,"label":102,"description":103},"free_withdrawals_per_month","Anzahl kostenloser Abhebungen p.M.","\u003Cp>Bei manchen Konten gibt es einen Mindestbetrag, den man pro Vorgang abheben muss. Wenn dieser Betrag größer als 50€ ist, zeigen wir diesen per Tooltip an. Beachte zudem, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat. Achte daher darauf, ob der Geldautomat zusätzliche Gebühren auf dem Display anzeigt.\u003C\u002Fp>",{"label":105,"key":106,"type":90,"active":16},"Bargeld im Handel","cash_in_retail",{"key":108,"type":51,"active":15,"label":109},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":111,"type":51,"active":16,"label":112},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":114,"type":51,"active":15,"label":115,"description":116},"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":118,"type":51,"active":16,"label":119},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":121,"type":51,"active":15,"label":122},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":124,"type":51,"active":16,"label":125},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":127,"type":51,"active":15,"label":128,"description":129},"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":131,"type":51,"active":16,"label":132},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":134,"key":135,"type":90,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":137,"label":138,"type":139,"active":16,"description":140,"options":141},"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>",[73],{"label":143,"key":144,"type":90,"active":15},"Zinsen auf dem Girokonto","giro_interest",{"label":146,"key":147,"type":90,"active":15,"description":148},"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":150,"type":51,"active":15,"label":151},"overdraft_interest","Dispozins",{"key":153,"type":51,"active":16,"label":154},"custody_fee","Verwahrentgelt",{"key":156,"type":157,"active":15,"label":158,"description":159},"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":161,"type":90,"active":15,"label":162,"options":163},"branches","Filialen",[],{"key":165,"type":70,"active":15,"options":166,"label":168},"online_banking",[167],"transparent","Online-Banking",{"label":170,"key":171,"type":70,"active":15,"options":172,"description":173},"App-Bewertung","app_rating",[167],"\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":175,"key":176,"type":70,"active":15,"options":177,"description":178},"Ident-Verfahren","ident_method",[167],"\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":180,"key":181,"type":70,"active":15,"options":182,"description":183},"TAN-Verfahren","tan_method",[167],"\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":185,"type":51,"active":15,"label":186},"free_sub_accounts","Anzahl kostenloser Unterkonten",{"key":188,"type":90,"active":15,"label":189,"options":190},"depot","Kostenloses Depot",[73],{"key":192,"type":90,"active":15,"label":193,"options":194},"account_switching_service","Kontowechsel-Service",[73],{"key":196,"type":197,"active":16,"label":198},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":200,"label":201,"type":197,"active":16},"fee_information","Entgeltinformation",{"key":203,"type":204,"active":15,"label":205,"filterable":16,"filter_type":35,"filter_options":35,"filter_condition":35},"special_features","features","Besondere Eigenschaften",[207,210],{"label":208,"key":50,"sort":209,"default_sort":16},"Gesamtkosten p.M.","asc",{"label":211,"key":54,"sort":212,"default_sort":15},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Banken\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp data-pm-slice=\"1 1 []\">*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca class=\"ProsemirrorEditor-link\" href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[],"0","Beste Testnote","75€ + 0,5% Bonus","200€ Bonus",{"title":220,"slug":221,"date_updated":222,"factsheet":223,"product_selection_title":225,"default_parameters":226,"table_columns":230,"table_sort":325,"disclaimer":213,"award_1_label":328,"award_2_label":329,"award_3_label":330,"award_4_label":331,"user_created":332,"award_1_item":336,"award_2_item":347,"award_3_item":358,"award_4_item":368,"items":385},"Girokonto-Vergleich","girokonto","2026-07-09T09:27:06.988Z",[224],{"key":12,"value":13,"icon":14,"label":12},"Deine Girokonto Auswahl",[227,228,229],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[231,232,233,234,235,239,241,244,247,250,252,255,256,257,260,261,264,266,269,270,271,274,275,276,278,282,283,285,287,288,289,291,293,295,299,303,305,308,310,312,313,318,319,320,321,322],{"key":38,"type":38,"active":15,"label":39,"filterable":16},{"key":41,"type":42,"active":15,"label":43,"filterable":16},{"key":45,"type":46,"active":15,"label":47,"custom_cta":35,"custom_cta_no_affiliate":35},{"label":208,"key":50,"type":51,"active":15,"description":52},{"key":54,"type":54,"active":15,"description":236,"label":56,"options":237,"sort_options":238,"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":65,"type":51,"active":15,"label":240,"mobile_rank":63},"Kontoführungsgebühr p.M.",{"key":69,"type":70,"active":15,"label":242,"options":243,"mobile_rank":5},"Girocard p.M.",[73],{"key":75,"type":70,"active":15,"label":245,"options":246,"mobile_rank":78},"Debitkarte p.M.",[73],{"key":80,"type":70,"active":15,"label":248,"options":249,"mobile_rank":35},"Kreditkarte p.M.",[73],{"key":84,"type":70,"active":15,"label":85,"options":251},[87],{"key":101,"type":51,"active":15,"label":253,"description":254},"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":108,"type":51,"active":15,"label":109},{"key":111,"type":51,"active":16,"label":112},{"key":114,"type":51,"active":15,"label":258,"description":259},"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":118,"type":51,"active":16,"label":119},{"key":89,"type":90,"active":15,"label":91,"description":262,"options":263},"\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>",[73],{"key":95,"type":96,"active":15,"value":35,"field":97,"label":98,"description":265,"mobile_rank":67},"\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":267,"key":106,"type":90,"active":15,"description":268},"Bargeld im Handel abheben","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":121,"type":51,"active":15,"label":122},{"key":124,"type":51,"active":16,"label":125},{"key":127,"type":51,"active":15,"label":272,"description":273},"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":131,"type":51,"active":16,"label":132},{"label":134,"key":135,"type":90,"active":15},{"key":137,"label":138,"type":139,"active":16,"description":140,"options":277},[73],{"label":279,"key":280,"type":90,"active":15,"description":281},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":143,"key":144,"type":90,"active":15},{"label":146,"key":147,"type":90,"active":15,"description":284},"\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":185,"type":51,"active":15,"label":186,"description":286},"\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":153,"type":51,"active":16,"label":154},{"key":156,"type":157,"active":15,"label":158,"description":159},{"key":161,"type":90,"active":15,"label":162,"options":290},[],{"key":165,"type":70,"active":15,"options":292,"label":168},[167],{"label":170,"key":171,"type":70,"active":16,"options":294,"description":173},[167],{"label":296,"key":297,"type":70,"active":15,"options":298},"App-Bewertung (iOS)","app_rating_ios",[167],{"label":300,"key":301,"type":70,"active":15,"options":302},"App-Bewertung (Android)","app_rating_android",[167],{"label":175,"key":176,"type":70,"active":15,"options":304,"description":178},[167],{"label":180,"key":181,"type":70,"active":15,"options":306,"description":307},[167],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":188,"type":90,"active":15,"label":189,"options":309},[73],{"key":192,"type":90,"active":15,"label":193,"options":311},[73],{"key":150,"type":51,"active":15,"label":151},{"label":314,"key":315,"type":316,"active":15,"description":317},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":196,"type":197,"active":16,"label":198},{"key":200,"label":201,"type":197,"active":16},{"key":203,"type":204,"active":15,"label":205,"filterable":16,"filter_type":35,"filter_options":35,"filter_condition":35},{"key":60,"type":51,"active":16,"label":61},{"label":323,"key":324,"type":90,"active":16},"Kostenlos für Studenten","is_free_for_students",[326,327],{"label":208,"key":50,"sort":209,"default_sort":16},{"label":211,"key":54,"sort":212,"default_sort":15},"Bestes Girokonto","40€ 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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>",[406],[838,839],{"label":409,"value":15},{"label":411,"value":15},[761],[761],3.51329,3.26259,3.67121,"0,99€","3,99€","-","0,5%","0,50€","1,49€","Ausweisdaten 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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. Zins auf bis zu 3.000€\u003C\u002Fspan>\u003C\u002Fp>",[406],[913,914],{"label":409,"value":16},{"label":411,"value":16},[413],[413],[918,920],{"feature":919,"rating":16},"Keine Daueraufträge möglich",{"feature":921,"rating":16},"10 kostenlose Überweisungen pro Monat, sonst 0,50€",3.06383,3.2,"2€","2,99€","https:\u002F\u002Fwww.westernunion.com\u002Fstaticassets\u002FR23-07.03.0\u002Fmedia\u002FWUIB_Fee_information_Standard_account_GER_DE_May2023.pdf","- \u002F -","AT","4,5 \u002F5","Western Union Standardkonto","2026-05-07T09:10:23.120Z","2023-07-26T06:00:36.693Z","2,99€ + 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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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Inlandsüberweisungen kosten 1,29€ pro Überweisung\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn über einen Zeitraum von 12 aufeinanderfolgenden Monaten keine Zahlungen auf oder von dem Konto getätigt werden, einschließlich Kartenzahlungen (aber mit Ausnahme geschuldeter Gebühren und Verwaltungszahlungen), wird eine monatliche Inaktivitätsgebühr für das Konto von 1€ fällig, bis die Transaktionsaktivität wieder aufgenommen wird\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">2% Abehbegebühr zzgl. 2% Fremdwährungebühr, \u003C\u002Fspan>Wechselkurs: Mastercard \u003C\u002Fp>","\u003Cp>Wechselkurs: Mastercard \u003C\u002Fp>","\u003Cp>Es kann für 2% des Abhebungsvolumens an den Mastercard-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-formula-bar-text-style=\"font-size:13px;color:#000000;font-weight:normal;text-decoration:none;font-family:'Arial';font-style:normal;text-decoration-skip-ink:none;\">3,5% (min. 3€), Baraufladung mit Paysafecash \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>3% der Transaktion; Wechselkurs: Mastercard\u003C\u002Fp>",[1285,1286],{"value":16,"label":409},{"value":16,"label":411},[761],[761],[1290,1292],{"feature":1291,"rating":16},"Keine gesetzliche Einlagensicherung",{"feature":1293,"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",[1306,1308,1310],{"label":446,"logo":1307},{"id":448,"filename_download":449},{"label":451,"logo":1309},{"id":453,"filename_download":454},{"label":456,"logo":1311},{"id":458,"filename_download":459},[1313,1315],{"label":462,"logo":1314},{"id":464,"filename_download":465},{"label":676,"logo":1316},{"id":678,"filename_download":679},[1318],{"atm_networks_id":1319},{"label":518,"machines_count":689},[],[1322],{"label":489,"image":1323},{"id":491,"filename_download":492},[388],{"label":1326,"tan_method_value":35,"tan_method_description":35,"ident_method_value":1297,"ident_method_description":1276,"customer_support":35,"customer_support_description":35,"app_rating_value":35,"app_rating_description":35,"branches":16,"branches_description":35,"bic":35,"app_rating":35,"logo":1327},"Monese",{"id":1328,"filename_download":1329},"5b162501-d650-41f7-88e3-4f2567bf18b5","monese_Logo_130x35-01.svg",{"id":517,"description":35,"label":518,"date_updated":519,"date_created":520,"user_created":521,"user_updated":522,"logo":1331},{"id":524,"filename_download":525},{"id":529,"online_banking_id":35,"label":530,"status":437,"date_created":531,"date_updated":532,"user_updated":443,"user_created":443,"logo":1333},{"id":534,"filename_download":535},{"item":1335},{"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":35,"deposit_money":15,"account_switching_service":15,"depot":16,"branches":16,"id":1336,"free_sub_accounts":1337,"card_preview":35,"cash_limit_per_day":618,"cash_limit_per_week":35,"cash_limit_per_month":35,"app_rating_ios":63,"app_rating_android":67,"debitcard_description":1338,"girocard_description":1338,"deposit_protection_description":1339,"giro_interest_description":35,"wero_description":35,"free_daily_account_interests_description":1340,"button_info_description":35,"joint_accounts_card_count_description":1341,"app_rating_android_description":35,"app_rating_ios_description":35,"is_free_for_students_description":35,"same_primary_residence_required_value":35,"same_primary_residence_required_description":35,"account_type_description":35,"joint_account_possible_value":35,"joint_account_possible_description":35,"giro_interest_value":35,"total_costs_description":35,"branches_value":1342,"depot_value":1343,"additional_callout_description":35,"customer_support_description":35,"tan_method_description":35,"ident_method_description":35,"cash_in_retail_description":35,"free_wire_description":35,"app_rating_description":35,"sustainability_score_description":35,"customer_service_description":35,"real_time_bankwire_description":35,"starting_premium_description":35,"account_maintenance_fee_description":1344,"fee_withdrawal_euro_countries_description":35,"fee_withdrawal_non_euro_countries_description":1345,"fee_payment_euro_countries_description":35,"fee_payment_non_euro_countries_description":977,"free_withdrawals_per_month_description":1346,"fee_withdrawal_100_euro_countries_description":1347,"fee_payment_100_euro_countries_description":35,"deposit_money_description":35,"fee_payment_100_non_euro_countries_description":977,"fee_withdrawal_100_non_euro_countries_description":977,"label_description":35,"depot_description":35,"free_sub_accounts_description":35,"branches_description":35,"support_description":35,"custody_fee_description":35,"overdraft_interest_description":1348,"contactless_payment_services_description":35,"creditcard_description":1349,"country":1350,"real_time_bankwire":1351,"customer_support":1354,"account_type":35,"child_account_conditions":35,"support":1355,"special_features":35,"student_rating":35,"rating_joint_account":1356,"rating":1356,"bank_sustainability_rating":35,"rating_without_schufa":35,"fee_payment_euro_countries":420,"fee_withdrawal_100_euro_countries":1357,"fee_payment_100_euro_countries":1132,"custody_fee":847,"creditcard_value":771,"debitcard_value":420,"girocard_value":420,"account_maintenance_fee":1358,"overdraft_interest":1359,"fee_payment_non_euro_countries":1360,"fee_payment_100_non_euro_countries":1132,"fee_withdrawal_100_non_euro_countries":1361,"additional_callout":35,"tan_method_value":35,"ident_method_value":35,"custom_cta":35,"min_fee_withdrawal":35,"max_fee_withdrawal":35,"percentile_fee_withdrawal":35,"fixed_fee_withdrawals":215,"max_amount_free_withdrawals":35,"necessary_deposits":35,"account_fees_without_deposits":1358,"account_fees_with_deposits":1358,"app_rating_value":651,"sustainability_score":35,"fee_information_description":35,"fee_information":35,"real_time_bankwire_value":430,"price_performance_description":35,"free_withdrawals_per_month":431,"starting_premium":35,"fee_withdrawal_euro_countries":1362,"deposit_protection":433,"button_info":35,"joint_accounts_card_count"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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>",[406],[1352,1353],{"label":409,"value":15},{"label":411,"value":15},[413,761],[413,761],3.32603,"4,95€","9,95€","9,69% - 11,69%","1,5% (min. 1€)","5€","1% (min. 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1€)",[1368,1370,1372],{"label":446,"logo":1369},{"id":448,"filename_download":449},{"label":451,"logo":1371},{"id":453,"filename_download":454},{"label":456,"logo":1373},{"id":458,"filename_download":459},[1375,1377],{"label":462,"logo":1376},{"id":464,"filename_download":465},{"label":676,"logo":1378},{"id":678,"filename_download":679},[1380],{"atm_networks_id":1381},{"label":1382,"machines_count":1383},"Sparkassennetz","22.000",[1385,1387],{"label":473,"image":1386},{"id":475,"filename_download":476},{"label":692,"image":1388},{"id":694,"filename_download":695},[1390,1392],{"label":484,"image":1391},{"id":486,"filename_download":487},{"label":489,"image":1393},{"id":491,"filename_download":492},[1395],47,{"label":1397,"tan_method_value":35,"tan_method_description":35,"ident_method_value":35,"ident_method_description":35,"customer_support":35,"customer_support_description":35,"app_rating_value":35,"app_rating_description":35,"branches":16,"branches_description":35,"bic":1398,"app_rating":35,"logo":1401},"Hamburger 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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>",[406],[1990,1991],{"label":409,"value":15},{"label":411,"value":15},[413,761],[413,761],3.62007,"3,95€","11,954%","1,8% ","1,80€","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",[2008,2010,2012],{"label":446,"logo":2009},{"id":448,"filename_download":449},{"label":451,"logo":2011},{"id":453,"filename_download":454},{"label":456,"logo":2013},{"id":458,"filename_download":459},[2015,2017,2019,2021],{"label":462,"logo":2016},{"id":464,"filename_download":465},{"label":583,"logo":2018},{"id":585,"filename_download":586},{"label":676,"logo":2020},{"id":678,"filename_download":679},{"label":681,"logo":2022},{"id":683,"filename_download":684},[2024],{"atm_networks_id":2025},{"label":469,"machines_count":470},[2027,2029,2031],{"label":473,"image":2028},{"id":475,"filename_download":476},{"label":478,"image":2030},{"id":480,"filename_download":481},{"label":692,"image":2032},{"id":694,"filename_download":695},[2034,2036,2038,2040],{"label":702,"image":2035},{"id":704,"filename_download":705},{"label":484,"image":2037},{"id":486,"filename_download":487},{"label":489,"image":2039},{"id":491,"filename_download":492},{"label":494,"image":2041},{"id":496,"filename_download":497},[2043],43,{"label":2045,"tan_method_value":35,"tan_method_description":35,"ident_method_value":35,"ident_method_description":35,"customer_support":35,"customer_support_description":35,"app_rating_value":35,"app_rating_description":35,"branches":16,"branches_description":35,"bic":2046,"app_rating":35,"logo":2049},"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). 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>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>Innerhalb der EU 1,50€, sonst 2,50€. 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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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Extra Konto\u003C\u002Fp>","\u003Cp>Für alle mit mind. 1000€ Geldeingang oder unter 28 Jahren kostenlos. 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>",[406],[3107,3108],{"label":409,"value":15},{"label":411,"value":15},[413,761],[413,761],4.14249,3.2475,"9,14%","2,2%","2,20€","🟠 56 \u002F 100 (schwach)","https:\u002F\u002Fwww.ing.de\u002Fdokumente\u002Fentgeltinformation-girokonto\u002F","ING Girokonto","2026-07-03T12:56:43.196Z","2023-01-05T09:26:06.966Z","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fing-diba-girokonto","https:\u002F\u002Fwww.ing.de\u002Fdokumente\u002Fing-diba-preise-leistungen\u002F",[3124,3126,3128],{"label":446,"logo":3125},{"id":448,"filename_download":449},{"label":451,"logo":3127},{"id":453,"filename_download":454},{"label":456,"logo":3129},{"id":458,"filename_download":459},[3131,3133],{"label":462,"logo":3132},{"id":464,"filename_download":465},{"label":676,"logo":3134},{"id":678,"filename_download":679},[3136],{"atm_networks_id":3137},{"label":688,"machines_count":689},[3139,3141],{"label":473,"image":3140},{"id":475,"filename_download":476},{"label":692,"image":3142},{"id":694,"filename_download":695},[3144,3146],{"label":489,"image":3145},{"id":491,"filename_download":492},{"label":494,"image":3147},{"id":496,"filename_download":497},[361],{"label":3150,"tan_method_value":35,"tan_method_description":35,"ident_method_value":35,"ident_method_description":35,"customer_support":35,"customer_support_description":35,"app_rating_value":35,"app_rating_description":35,"branches":16,"branches_description":35,"bic":3151,"app_rating":35,"logo":3154},"ING",[3152],{"bic":3153},"INGDDEFFXXX",{"id":3155,"filename_download":3156},"e728b275-f0eb-43d7-b1ce-e8ec30cb592d","ING_Logo_130x35.svg",{"id":78,"description":35,"label":71,"date_updated":509,"date_created":510,"user_created":511,"user_updated":512,"logo":3158},{"id":514,"filename_download":515},{"id":63,"description":35,"label":731,"date_updated":732,"date_created":733,"user_created":511,"user_updated":521,"logo":3160},{"id":735,"filename_download":736},{"id":529,"online_banking_id":35,"label":530,"status":437,"date_created":531,"date_updated":532,"user_updated":443,"user_created":443,"logo":3162},{"id":534,"filename_download":535},{"item":3164},{"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":15,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":16,"id":63,"free_sub_accounts":1337,"card_preview":389,"cash_limit_per_day":618,"cash_limit_per_week":391,"cash_limit_per_month":35,"app_rating_ios":63,"app_rating_android":67,"debitcard_description":3165,"girocard_description":35,"deposit_protection_description":619,"giro_interest_description":35,"wero_description":35,"free_daily_account_interests_description":1557,"button_info_description":35,"joint_accounts_card_count_description":3166,"app_rating_android_description":35,"app_rating_ios_description":35,"is_free_for_students_description":3167,"same_primary_residence_required_value":35,"same_primary_residence_required_description":35,"account_type_description":35,"joint_account_possible_value":35,"joint_account_possible_description":35,"giro_interest_value":35,"total_costs_description":35,"branches_value":35,"depot_value":35,"additional_callout_description":35,"customer_support_description":35,"tan_method_description":35,"ident_method_description":35,"cash_in_retail_description":35,"free_wire_description":35,"app_rating_description":35,"sustainability_score_description":35,"customer_service_description":35,"real_time_bankwire_description":35,"starting_premium_description":35,"account_maintenance_fee_description":35,"fee_withdrawal_euro_countries_description":3168,"fee_withdrawal_non_euro_countries_description":1561,"fee_payment_euro_countries_description":35,"fee_payment_non_euro_countries_description":1561,"free_withdrawals_per_month_description":3168,"fee_withdrawal_100_euro_countries_description":35,"fee_payment_100_euro_countries_description":35,"deposit_money_description":754,"fee_payment_100_non_euro_countries_description":1561,"fee_withdrawal_100_non_euro_countries_description":1561,"label_description":35,"depot_description":35,"free_sub_accounts_description":35,"branches_description":35,"support_description":35,"custody_fee_description":35,"overdraft_interest_description":35,"contactless_payment_services_description":35,"creditcard_description":35,"country":3169,"real_time_bankwire":3170,"customer_support":3173,"account_type":35,"child_account_conditions":35,"support":3174,"special_features":35,"student_rating":3175,"rating_joint_account":3175,"rating":3175,"bank_sustainability_rating":35,"rating_without_schufa":35,"fee_payment_euro_countries":420,"fee_withdrawal_100_euro_countries":420,"fee_payment_100_euro_countries":420,"custody_fee":35,"creditcard_value":35,"debitcard_value":420,"girocard_value":35,"account_maintenance_fee":420,"overdraft_interest":1574,"fee_payment_non_euro_countries":420,"fee_payment_100_non_euro_countries":420,"fee_withdrawal_100_non_euro_countries":3176,"additional_callout":35,"tan_method_value":35,"ident_method_value":35,"custom_cta":35,"min_fee_withdrawal":35,"max_fee_withdrawal":35,"percentile_fee_withdrawal":35,"fixed_fee_withdrawals":1575,"max_amount_free_withdrawals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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>",[406],[3171,3172],{"label":409,"value":15},{"label":411,"value":15},[761],[761],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..",[3184,3186,3188],{"label":446,"logo":3185},{"id":448,"filename_download":449},{"label":451,"logo":3187},{"id":453,"filename_download":454},{"label":456,"logo":3189},{"id":458,"filename_download":459},[3191,3193,3195,3197],{"label":462,"logo":3192},{"id":464,"filename_download":465},{"label":676,"logo":3194},{"id":678,"filename_download":679},{"label":681,"logo":3196},{"id":683,"filename_download":684},{"label":1236,"logo":3198},{"id":1238,"filename_download":1239},[3200],{"atm_networks_id":3201},{"label":518,"machines_count":689},[3203,3205],{"label":473,"image":3204},{"id":475,"filename_download":476},{"label":478,"image":3206},{"id":480,"filename_download":481},[3208],{"label":489,"image":3209},{"id":491,"filename_download":492},[2774],{"label":1614,"tan_method_value":35,"tan_method_description":35,"ident_method_value":35,"ident_method_description":35,"customer_support":3212,"customer_support_description":35,"app_rating_value":35,"app_rating_description":35,"branches":16,"branches_description":35,"bic":3213,"app_rating":35,"logo":3215},[],[3214],{"bic":1618},{"id":1620,"filename_download":1621},{"id":517,"description":35,"label":518,"date_updated":519,"date_created":520,"user_created":521,"user_updated":522,"logo":3217},{"id":524,"filename_download":525},{"id":529,"online_banking_id":35,"label":530,"status":437,"date_created":531,"date_updated":532,"user_updated":443,"user_created":443,"logo":3219},{"id":534,"filename_download":535},{"item":3221},{"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":35,"deposit_money":15,"account_switching_service":15,"depot":15,"branches":15,"id":3222,"free_sub_accounts":63,"card_preview":2907,"cash_limit_per_day":391,"cash_limit_per_week":35,"cash_limit_per_month":35,"app_rating_ios":63,"app_rating_android":67,"debitcard_description":3223,"girocard_description":3224,"deposit_protection_description":619,"giro_interest_description":35,"wero_description":35,"free_daily_account_interests_description":3225,"button_info_description":35,"joint_accounts_card_count_description":1274,"app_rating_android_description":35,"app_rating_ios_description":35,"is_free_for_students_description":35,"same_primary_residence_required_value":35,"same_primary_residence_required_description":35,"account_type_description":35,"joint_account_possible_value":35,"joint_account_possible_description":35,"giro_interest_value":35,"total_costs_description":35,"branches_value":35,"depot_value":35,"additional_callout_description":35,"customer_support_description":35,"tan_method_description":35,"ident_method_description":35,"cash_in_retail_description":35,"free_wire_description":35,"app_rating_description":35,"sustainability_score_description":35,"customer_service_description":35,"real_time_bankwire_description":35,"starting_premium_description":35,"account_maintenance_fee_description":3226,"fee_withdrawal_euro_countries_description":3227,"fee_withdrawal_non_euro_countries_description":3228,"fee_payment_euro_countries_description":35,"fee_payment_non_euro_countries_description":3229,"free_withdrawals_per_month_description":3230,"fee_withdrawal_100_euro_countries_description":35,"fee_payment_100_euro_countries_description":35,"deposit_money_description":3231,"fee_payment_100_non_euro_countries_description":3232,"fee_withdrawal_100_non_euro_countries_description":3232,"label_description":35,"depot_description":35,"free_sub_accounts_description":633,"branches_description":35,"support_description":35,"custody_fee_description":35,"overdraft_interest_description":3233,"contactless_payment_services_description":35,"creditcard_description":3234,"country":3235,"real_time_bankwire":3236,"customer_support":3239,"account_type":35,"child_account_conditions":35,"support":3240,"special_features":3241,"student_rating":35,"rating_joint_account":3244,"rating":3244,"bank_sustainability_rating":35,"rating_without_schufa":35,"fee_payment_euro_countries":420,"fee_withdrawal_100_euro_countries":420,"fee_payment_100_euro_countries":420,"custody_fee":35,"creditcard_value":420,"debitcard_value":420,"girocard_value":35,"account_maintenance_fee":420,"overdraft_interest":3245,"fee_payment_non_euro_countries":3246,"fee_payment_100_non_euro_countries":3247,"fee_withdrawal_100_non_euro_countries":3248,"additional_callout":35,"tan_method_value":35,"ident_method_value":2286,"custom_cta":35,"min_fee_withdrawal":35,"max_fee_withdrawal":35,"percentile_fee_withdrawal":35,"fixed_fee_withdrawals":215,"max_amount_free_withdrawals":35,"necessary_deposits":3249,"account_fees_without_deposits":1995,"account_fees_with_d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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. Bei fremden Banken fallen 3,95€ an.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenlos an Targobank-Geldautomaten mit Einzahlfunktion\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 2% (EWR) und Visa zzgl. 2% (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Dispo-Freigrenze in Höhe von 200€, d.h. die ersten 200€ sind zinslos.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Online-Classic-Karte kann hinzugebucht werden.\u003C\u002Fspan>\u003C\u002Fp>",[406],[3237,3238],{"label":409,"value":15},{"label":411,"value":15},[413,761],[413,761],[3242],{"feature":3243,"rating":16},"2% Aufschlag auf den Wechselkurs",3.83284,"8,77%","3,85%","3,85€","7,80€","600","https:\u002F\u002Fwww.targobank.de\u002Fde\u002Famc-content\u002Fpdf\u002Fdtls-07-28-a\u002FEntgeltinformation_Online-Konto.pdf","Targobank Online-Konto","2026-05-08T05:13:32.439Z","2023-01-05T14:34:11.529Z","3,95€ + 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data-sheets-root=\"1\">Virtuelle Visa Platinum-Debitkarte ist bis 31.12.2025 kostenlos. 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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Kunden erhalten zudem eine kostenfreie Mastercard-Debitkarte. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen. Zusätzlich ist eine Startprämie in Höhe von 120 € für Neukunden vorgesehen.\u003C\u002Fp>",{},{"content":7146,"dropCap":16,"anchor":7128},"Für das Norisbank Top-Girokonto fällt grundsätzlich keine Kontoführungsgebühr an. Kunden erhalten zudem eine kostenfreie Mastercard-Debitkarte. Mit der Mastercard-Debitkarte unbegrenzt kostenlos Bargeld abheben und ohne Fremdwährungsgebühr bezahlen. Zusätzlich ist eine Startprämie in Höhe von 120 € für Neukunden vorgesehen.",{"innerBlocks":7148,"name":7149,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7150,"attributes":7151},[],"acf\u002Fcta-box-border",{},{"name":7149,"data":7152},{"title":340,"cta_box_border_description":7128,"cta_box_border_list_0_cta_box_border_list_description":7153,"cta_box_border_list_0_cta_box_border_list_icon":7154,"cta_box_border_list_1_cta_box_border_list_description":7155,"cta_box_border_list_1_cta_box_border_list_icon":7154,"cta_box_border_list_2_cta_box_border_list_description":7156,"cta_box_border_list_2_cta_box_border_list_icon":7154,"cta_box_border_list_3_cta_box_border_list_description":7157,"cta_box_border_list_3_cta_box_border_list_icon":7154,"cta_box_border_list_4_cta_box_border_list_description":7158,"cta_box_border_list_4_cta_box_border_list_icon":7154,"cta_box_border_list_5_cta_box_border_list_description":7159,"cta_box_border_list_5_cta_box_border_list_icon":7160,"cta_box_border_list":529,"cta_box_border_image":7161,"cta_box_border_image_description":7128,"cta_box_border_button_link":7162,"cta_box_border_button_label":7128,"cta_box_border_button_id":7128,"cta_box_border_same_tab":7128,"cta_box_border_image_url":7163},"\u003Cspan data-v-5e76833b=\"\">Kostenlose Kontoführung\u003C\u002Fspan>","checked","\u003Cspan data-v-5e76833b=\"\">Kostenlose Mastercard-Debitkarte\u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Unbegrenzt kostenlos Geld abheben \u003C\u002Fspan>","\u003Cspan data-v-5e76833b=\"\">Keine Gebühr für Kartenzahlungen in Fremdwährung\u003C\u002Fspan>","120€ Startprämie","Keine Zinsen auf dem Girokonto","unchecked",3107799,{"title":7128,"url":341,"target":7128},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2026\u002F06\u002Fnorisbank-rgb-black.svg",{"innerBlocks":7165,"name":7122,"postId":7123,"originalContent":7166,"get_parent":7167,"attributes":7168,"dynamicContent":35},[],"\u003Ch3>C24 Smart\u003C\u002Fh3>",{},{"content":371,"level":5,"anchor":7128},{"innerBlocks":7170,"name":7131,"postId":7123,"originalContent":7171,"get_parent":7172,"attributes":7173,"dynamicContent":35},[],"\u003Cp>Das C24 Smart Konto bietet eine bedingungslos kostenlose Kontoführung und beinhaltet eine kostenfreie Girocard und Debitkarte. Pro Monat stehen Kunden 4 kostenlose Bargeldabhebungen zur Verfügung. Ein besonderes Merkmal ist, dass Zinsen direkt auf das Giroguthaben gezahlt werden. Zusätzlich gibt es für Neukunden eine Startprämie von 75€ und eine Verzinsung von 0,50% p.a. Ein Nachteil ist, dass keine Kreditkarte im Angebot enthalten ist.\u003C\u002Fp>",{},{"content":7174,"dropCap":16,"anchor":7128},"Das C24 Smart Konto bietet eine bedingungslos kostenlose Kontoführung und beinhaltet eine kostenfreie Girocard und Debitkarte. Pro Monat stehen Kunden 4 kostenlose Bargeldabhebungen zur Verfügung. Ein besonderes Merkmal ist, dass Zinsen direkt auf das Giroguthaben gezahlt werden. Zusätzlich gibt es für Neukunden eine Startprämie von 75€ und eine Verzinsung von 0,50% p.a. Ein Nachteil ist, dass keine Kreditkarte im Angebot enthalten ist.",{"innerBlocks":7176,"name":7149,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7177,"attributes":7178},[],{},{"name":7149,"data":7179},{"title":371,"cta_box_border_description":7128,"cta_box_border_list_0_cta_box_border_list_description":7180,"cta_box_border_list_0_cta_box_border_list_icon":7154,"cta_box_border_list_1_cta_box_border_list_description":7181,"cta_box_border_list_1_cta_box_border_list_icon":7154,"cta_box_border_list_2_cta_box_border_list_description":7182,"cta_box_border_list_2_cta_box_border_list_icon":7154,"cta_box_border_list_3_cta_box_border_list_description":143,"cta_box_border_list_3_cta_box_border_list_icon":7154,"cta_box_border_list_4_cta_box_border_list_description":7183,"cta_box_border_list_4_cta_box_border_list_icon":7154,"cta_box_border_list_5_cta_box_border_list_description":7184,"cta_box_border_list_5_cta_box_border_list_icon":7160,"cta_box_border_list":529,"cta_box_border_image":7185,"cta_box_border_image_description":7128,"cta_box_border_button_link":7186,"cta_box_border_button_label":7128,"cta_box_border_button_id":7128,"cta_box_border_same_tab":7128,"cta_box_border_image_url":7187},"Kontoführungsgebühr: 0€","Kostenfreie Girocard und Debitkarte","Anzahl kostenloser Abhebungen p.M.: 4","75€ Startprämie + 0,50% p.a.","Keine Kreditkarte inklusive",3105943,{"title":7128,"url":372,"target":7128},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F09\u002Fc24-bank-logo-square.png",{"innerBlocks":7189,"name":7122,"postId":7123,"originalContent":7190,"get_parent":7191,"attributes":7192,"dynamicContent":35},[],"\u003Ch3>BBVA\u003C\u002Fh3>",{},{"content":354,"level":5,"anchor":7128},{"innerBlocks":7194,"name":7131,"postId":7123,"originalContent":7195,"get_parent":7196,"attributes":7197,"dynamicContent":35},[],"\u003Cp>Das Girokonto der BBVA wird ohne Kontoführungsgebühren angeboten. Neukunden profitieren von einer Guthabenverzinsung in Höhe von 3 % sowie einem Cashback von 3 %, das auf einen Zeitraum von sechs Monaten begrenzt ist. Zusätzlich wird ein Startbonus in Höhe von 40 € gewährt. Bargeldabhebungen sind ab einem Betrag von 150 € unbegrenzt und gebührenfrei möglich.\u003C\u002Fp>",{},{"content":7198,"dropCap":16,"anchor":7128},"Das Girokonto der BBVA wird ohne Kontoführungsgebühren angeboten. Neukunden profitieren von einer Guthabenverzinsung in Höhe von 3 % sowie einem Cashback von 3 %, das auf einen Zeitraum von sechs Monaten begrenzt ist. Zusätzlich wird ein Startbonus in Höhe von 40 € gewährt. Bargeldabhebungen sind ab einem Betrag von 150 € unbegrenzt und gebührenfrei möglich.",{"innerBlocks":7200,"name":7149,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7201,"attributes":7202},[],{},{"name":7149,"data":7203},{"title":351,"cta_box_border_description":7128,"cta_box_border_list_0_cta_box_border_list_description":7153,"cta_box_border_list_0_cta_box_border_list_icon":7154,"cta_box_border_list_1_cta_box_border_list_description":7204,"cta_box_border_list_1_cta_box_border_list_icon":7154,"cta_box_border_list_2_cta_box_border_list_description":143,"cta_box_border_list_2_cta_box_border_list_icon":7154,"cta_box_border_list_3_cta_box_border_list_description":7205,"cta_box_border_list_3_cta_box_border_list_icon":7154,"cta_box_border_list_4_cta_box_border_list_description":7206,"cta_box_border_list_4_cta_box_border_list_icon":7154,"cta_box_border_list_5_cta_box_border_list_description":7207,"cta_box_border_list_5_cta_box_border_list_icon":7160,"cta_box_border_list":529,"cta_box_border_image":7208,"cta_box_border_image_description":7128,"cta_box_border_button_link":7209,"cta_box_border_button_label":7128,"cta_box_border_button_id":7128,"cta_box_border_same_tab":7128,"cta_box_border_image_url":7211},"unbegrenzt kostenlos Geld abheben ab 150€","3% Cashback","Kostenlose Mastercard-Debitkarte","Keine Girocard",3098702,{"title":7128,"url":352,"target":7210},"_blank","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F07\u002Fbbva-logo-square.png",{"innerBlocks":7213,"name":7122,"postId":7123,"originalContent":7214,"get_parent":7215,"attributes":7216,"dynamicContent":35},[],"\u003Ch2>Girokonten mit den höchsten Geldprämien\u003C\u002Fh2>",{},{"content":7217,"level":67,"anchor":7128},"Girokonten mit den höchsten Geldprämien",{"innerBlocks":7219,"name":7131,"postId":7123,"originalContent":7220,"get_parent":7221,"attributes":7222,"dynamicContent":35},[],"\u003Cp>Die höchsten Geldprämien für die Neueröffnung eines Girokontos bieten aktuell die Berliner Volksbank, die Santander Bank und die BBBank. Schau dir in der Übersicht an, wie hoch die Prämien sind:\u003C\u002Fp>",{},{"content":7223,"dropCap":16,"anchor":7128},"Die höchsten Geldprämien für die Neueröffnung eines Girokontos bieten aktuell die Berliner Volksbank, die Santander Bank und die BBBank. Schau dir in der Übersicht an, wie hoch die Prämien sind:",{"innerBlocks":7225,"name":7122,"postId":7123,"originalContent":7226,"get_parent":7227,"attributes":7228,"dynamicContent":35},[],"\u003Ch3>Berliner Volksbank\u003C\u002Fh3>",{},{"content":2045,"level":5,"anchor":7128},{"innerBlocks":7230,"name":7131,"postId":7123,"originalContent":7231,"get_parent":7232,"attributes":7233,"dynamicContent":35},[],"\u003Cp>Die Berliner Volksbank bietet als Genossenschaftsbank ein Girokonto an mit einer Kontoführungsgebühr i.H.v. 3,95€ pro Monat. Im Leistungsumfang sind unbegrenzt kostenlose Bargeldabhebungen sowie kostenfreie Karten enthalten. Neukunden können einen Bonus in Höhe von 200€ erhalten, vorausgesetzt, in den ersten drei Monaten nach Kontoeröffnung erfolgt ein Eingang von Lohn, Gehalt, Rente oder BAföG von mindestens 500€. Das Angebot richtet sich an Personen, die in den letzten 12 Monaten keine Kundenbeziehung zur Bank hatten. Auf \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fdeals\u002Fberliner-volksbank-bonus\u002F\">unserer Deal-Seite der Berliner Volksbank\u003C\u002Fa> kannst du dir genau durchlesen, wie du die Prämie erhältst.\u003C\u002Fp>",{},{"content":7234,"dropCap":16,"anchor":7128},"Die Berliner Volksbank bietet als Genossenschaftsbank ein Girokonto an mit einer Kontoführungsgebühr i.H.v. 3,95€ pro Monat. Im Leistungsumfang sind unbegrenzt kostenlose Bargeldabhebungen sowie kostenfreie Karten enthalten. Neukunden können einen Bonus in Höhe von 200€ erhalten, vorausgesetzt, in den ersten drei Monaten nach Kontoeröffnung erfolgt ein Eingang von Lohn, Gehalt, Rente oder BAföG von mindestens 500€. Das Angebot richtet sich an Personen, die in den letzten 12 Monaten keine Kundenbeziehung zur Bank hatten. Auf \u003Ca href=\"\u002Fdeals\u002Fberliner-volksbank-bonus\u002F\" class=\"app-link\">unserer Deal-Seite der Berliner Volksbank\u003C\u002Fa> kannst du dir genau durchlesen, wie du die Prämie erhältst.",{"innerBlocks":7236,"name":7149,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7237,"attributes":7238},[],{},{"name":7149,"data":7239},{"title":2001,"cta_box_border_description":7128,"cta_box_border_list_0_cta_box_border_list_description":7240,"cta_box_border_list_0_cta_box_border_list_icon":7154,"cta_box_border_list_1_cta_box_border_list_description":7241,"cta_box_border_list_1_cta_box_border_list_icon":7154,"cta_box_border_list_2_cta_box_border_list_description":7242,"cta_box_border_list_2_cta_box_border_list_icon":7154,"cta_box_border_list_3_cta_box_border_list_description":7243,"cta_box_border_list_3_cta_box_border_list_icon":7160,"cta_box_border_list":78,"cta_box_border_image":7244,"cta_box_border_image_description":7128,"cta_box_border_button_link":7245,"cta_box_border_button_label":7128,"cta_box_border_button_id":7128,"cta_box_border_same_tab":7128,"cta_box_border_image_url":7246},"Anzahl kostenloser Abhebungen p.M.: Unbegrenzt","200€ Berliner Volksbank Bonus für Neukunden","Bonus wird spätestens im 4. Monat auf dein neues Girokonto überwiesen","Kontoführungsgebühr: 3,95€",3090768,{"title":7128,"url":2005,"target":7210},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F10\u002Fberliner-volksbank-logo-square.png",{"innerBlocks":7248,"name":7122,"postId":7123,"originalContent":7249,"get_parent":7250,"attributes":7251,"dynamicContent":35},[],"\u003Ch3>ING Girokonto\u003C\u002Fh3>",{},{"content":3118,"level":5,"anchor":7128},{"innerBlocks":7253,"name":7131,"postId":7123,"originalContent":7254,"get_parent":7255,"attributes":7256,"dynamicContent":35},[],"\u003Cp>Die ING ist Deutschlands größte Direktbank und bietet ein Girokonto an, das für dich kostenlos ist, wenn du einen monatlichen Geldeingang von mindestens 1.000 € hast oder unter 28 Jahre alt bist – andernfalls fällt eine Kontoführungsgebühr von 4,90 € pro Monat an. Im Leistungsumfang enthalten sind eine kostenlose Visa-Debitkarte sowie unbegrenzt kostenlose Bargeldabhebungen (ab 50 €) an allen Visa-Geldautomaten. Als Neukunde kannst du einen Bonus in Höhe von 200 € erhalten, wenn du bis zum 31.07.2026 dein erstes Girokonto eröffnest. Vorausgesetzt, bei dir gehen in den ersten vier Monaten zwei aufeinanderfolgende monatliche Geldeingänge ein (ab 28 Jahren mindestens 1.000 €, unter 28 Jahren mindestens 700 €), du stimmst „Tipps für Sie persönlich\" zu und loggst dich mindestens einmal mit deinen eigenen Zugangsdaten in der ING App ein. Das Angebot richtet sich an dich, wenn du in den letzten 12 Monaten kein Girokonto bei der ING hattest. \u003C\u002Fp>",{},{"content":7257,"dropCap":16,"anchor":7128},"Die ING ist Deutschlands größte Direktbank und bietet ein Girokonto an, das für dich kostenlos ist, wenn du einen monatlichen Geldeingang von mindestens 1.000 € hast oder unter 28 Jahre alt bist – andernfalls fällt eine Kontoführungsgebühr von 4,90 € pro Monat an. Im Leistungsumfang enthalten sind eine kostenlose Visa-Debitkarte sowie unbegrenzt kostenlose Bargeldabhebungen (ab 50 €) an allen Visa-Geldautomaten. Als Neukunde kannst du einen Bonus in Höhe von 200 € erhalten, wenn du bis zum 31.07.2026 dein erstes Girokonto eröffnest. Vorausgesetzt, bei dir gehen in den ersten vier Monaten zwei aufeinanderfolgende monatliche Geldeingänge ein (ab 28 Jahren mindestens 1.000 €, unter 28 Jahren mindestens 700 €), du stimmst „Tipps für Sie persönlich\" zu und loggst dich mindestens einmal mit deinen eigenen Zugangsdaten in der ING App ein. Das Angebot richtet sich an dich, wenn du in den letzten 12 Monaten kein Girokonto bei der ING hattest.",{"innerBlocks":7259,"name":7149,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7260,"attributes":7261},[],{},{"name":7149,"data":7262},{"title":3118,"cta_box_border_description":7128,"cta_box_border_list_0_cta_box_border_list_description":7263,"cta_box_border_list_0_cta_box_border_list_icon":7154,"cta_box_border_list_1_cta_box_border_list_description":7264,"cta_box_border_list_1_cta_box_border_list_icon":7154,"cta_box_border_list_2_cta_box_border_list_description":7265,"cta_box_border_list_2_cta_box_border_list_icon":7154,"cta_box_border_list_3_cta_box_border_list_description":7266,"cta_box_border_list_3_cta_box_border_list_icon":7160,"cta_box_border_list":78,"cta_box_border_image":7267,"cta_box_border_image_description":7128,"cta_box_border_button_link":7268,"cta_box_border_button_label":7128,"cta_box_border_button_id":7128,"cta_box_border_same_tab":7128,"cta_box_border_image_url":7269},"200€ Startprämie für alle Neukunden","ab 50€ kostenlos Geld abheben","Bis zum 28. Lebensjahr oder 1.000€ Geldeingang, kostenfrei","keine kostenlose Kreditkarte",3055802,{"title":7128,"url":3687,"target":7210},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2022\u002F07\u002Fing-diba-logo-square.png",{"innerBlocks":7271,"name":7122,"postId":7123,"originalContent":7272,"get_parent":7273,"attributes":7274,"dynamicContent":35},[],"\u003Ch2>Arten von Girokonto-Prämien\u003C\u002Fh2>",{},{"content":7275,"level":67,"anchor":7128},"Arten von Girokonto-Prämien",{"innerBlocks":7277,"name":7131,"postId":7123,"originalContent":7278,"get_parent":7279,"attributes":7280,"dynamicContent":35},[],"\u003Cp>Es gibt mehrere Arten von Startguthaben, die dir Banken schenken können. Dazu gehören Geldprämien, Rabatte und bestimmte Sachprämien oder Cashback. In unserem Vergleich haben wir nur Konten berücksichtigt, bei denen du eine Geldprämie bekommst. Mit dieser Prämie bekommst du einen festgelegten Betrag von der Bank geschenkt. Sind alle Bedingungen erfüllt, schreibt die Bank einen Geldbetrag auf dein Konto gut. Einige Banken eröffnen dir auch ein zusätzliches Tagesgeldkonto und überweisen dir dort die Prämie.\u003C\u002Fp>",{},{"content":7281,"dropCap":16,"anchor":7128},"Es gibt mehrere Arten von Startguthaben, die dir Banken schenken können. Dazu gehören Geldprämien, Rabatte und bestimmte Sachprämien oder Cashback. In unserem Vergleich haben wir nur Konten berücksichtigt, bei denen du eine Geldprämie bekommst. Mit dieser Prämie bekommst du einen festgelegten Betrag von der Bank geschenkt. Sind alle Bedingungen erfüllt, schreibt die Bank einen Geldbetrag auf dein Konto gut. Einige Banken eröffnen dir auch ein zusätzliches Tagesgeldkonto und überweisen dir dort die Prämie.",{"innerBlocks":7283,"name":7122,"postId":7123,"originalContent":7284,"get_parent":7285,"attributes":7286,"dynamicContent":35},[],"\u003Ch2>Welche Bedingungen gibt es üblicherweise für Prämien?\u003C\u002Fh2>",{},{"content":7287,"level":67,"anchor":7128},"Welche Bedingungen gibt es üblicherweise für Prämien?",{"innerBlocks":7289,"name":7131,"postId":7123,"originalContent":7290,"get_parent":7291,"attributes":7292,"dynamicContent":35},[],"\u003Cp>Startprämien richten sich in der Regel nur an Neukunden. In einigen Fällen können aber Personen, die schon einmal Kunde bei der Bank waren, die Startprämie ebenfalls bekommen. Warst du bspw. in den vergangenen 12 Monaten kein Kunde der Bank, kannst du die Geldprämie bekommen. Auf diese Weise gewinnt dich die Bank eventuell zurück. Bestandskunden sind normalerweise von Startprämien ausgeschlossen. Mit einer Startprämie möchten Banken dich von deiner bisherigen Bank abwerben.\u003C\u002Fp>",{},{"content":7293,"dropCap":16,"anchor":7128},"Startprämien richten sich in der Regel nur an Neukunden. In einigen Fällen können aber Personen, die schon einmal Kunde bei der Bank waren, die Startprämie ebenfalls bekommen. Warst du bspw. in den vergangenen 12 Monaten kein Kunde der Bank, kannst du die Geldprämie bekommen. Auf diese Weise gewinnt dich die Bank eventuell zurück. Bestandskunden sind normalerweise von Startprämien ausgeschlossen. Mit einer Startprämie möchten Banken dich von deiner bisherigen Bank abwerben.",{"innerBlocks":7295,"name":7131,"postId":7123,"originalContent":7296,"get_parent":7297,"attributes":7298,"dynamicContent":35},[],"\u003Cp>Während es Banken gibt, bei denen die reine Kontoeröffnung ausreicht, um eine Prämie zu erhalten, kommt es vor, dass darüber hinaus noch weitere Bedingungen gelten, wie z.B.:\u003C\u002Fp>",{},{"content":7299,"dropCap":16,"anchor":7128},"Während es Banken gibt, bei denen die reine Kontoeröffnung ausreicht, um eine Prämie zu erhalten, kommt es vor, dass darüber hinaus noch weitere Bedingungen gelten, wie z.B.:",{"innerBlocks":7301,"name":7302,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7303,"attributes":7304},[],"acf\u002Ficon-list",{},{"name":7302,"data":7305},{"icon_list_0_icon_list_description":7306,"icon_list_0_icon_list_id":7128,"icon_list_0_icon_list_icon":7307,"icon_list_1_icon_list_description":7308,"icon_list_1_icon_list_id":7128,"icon_list_1_icon_list_icon":7307,"icon_list_2_icon_list_description":7309,"icon_list_2_icon_list_id":7128,"icon_list_2_icon_list_icon":7307,"icon_list_3_icon_list_description":7310,"icon_list_3_icon_list_id":7128,"icon_list_3_icon_list_icon":7307,"icon_list_4_icon_list_description":7311,"icon_list_4_icon_list_id":7128,"icon_list_4_icon_list_icon":7307,"icon_list":820},"\u003Cstrong>Zahlungspartner über Kontowechselservice informieren:\u003C\u002Fstrong> Der Kontowechselservice sorgt dafür, dass Zahlungspartner, wie z.B. der Arbeitgeber oder die Rentenversicherung, über deine neuen Kontodaten informiert werden. Bei manchen Banken musst du mehrere Zahlungspartner über diesen Service informieren, bevor die Startprämie ausbezahlt wird.","empty","\u003Cstrong>Das alte Konto schließen:\u003C\u002Fstrong> Nutzt du einen Kontowechselservice, kann es sein, dass die neue Bank auch verlangt, dass du das alte Konto schließt. Dafür hast du in der Regel 60 bis 90 Tage lang Zeit.","\u003Cstrong>Aktive Nutzung:\u003C\u002Fstrong> Banken zahlen eine Prämie teilweise nur dann, wenn das Girokonto in den ersten Monaten aktiv genutzt wird. Dies kann z.B. bedeuten, dass die Bankkarte mehrmals benutzt wird, ein bestimmter Betrag ausgegeben wird oder ein Mindestbetrag auf dem Konto eingeht.","\u003Cstrong>Newsletter-Aktivierung:\u003C\u002Fstrong> Mehrere Banken haben es zur Voraussetzung gemacht, dass du neben der aktiven Nutzung auch den Newsletter für 3–5 Monate erhältst, um die Startprämie nach diesem Zeitraum gutgeschrieben zu bekommen.","\u003Cstrong>Freunde werben:\u003C\u002Fstrong> Eine Prämie für geworbene Freunde kann es auch unabhängig von einer Startprämie geben. Einige Banken verknüpfen dies aber auch mit der Startprämie: Wenn du dich erfolgreich als Neukunde angemeldet hast, kannst du zu der Startprämie eine zusätzliche Prämie erhalten, falls du noch zusätzlich Freunde anwirbst.",{"innerBlocks":7313,"name":7314,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7315,"attributes":7316},[],"acf\u002Fdashed-card",{},{"name":7314,"data":7317},{"color":7318,"title":7319,"description":7320,"emoji":7321,"link":7322,"button_text":7128},"green","Prämie als Bestandskunde bekommen","Meistens gibt es Prämien und Startguthaben nur für Neukunden. Banken sorgen auf diese Art dafür, neue Kunden zu bekommen und diese von anderen Banken abzuwerben. Bist du bereits Kunde bei einer Bank, könnte es aber auch für dich eine Prämie geben: Zum Beispiel, wenn du Freunde wirbst und diese als Neukunden ein Konto eröffnen. Checke am besten auf der Website oder in der App deiner Bank, ob es diese Möglichkeit gibt.","💶","\u002F",{"innerBlocks":7324,"name":7122,"postId":7123,"originalContent":7325,"get_parent":7326,"attributes":7327,"dynamicContent":35},[],"\u003Ch3>Welche Fristen musst du beachten?\u003C\u002Fh3>",{},{"content":7328,"level":5,"anchor":7128},"Welche Fristen musst du beachten?",{"innerBlocks":7330,"name":7131,"postId":7123,"originalContent":7331,"get_parent":7332,"attributes":7333,"dynamicContent":35},[],"\u003Cp>Startprämien sind fast immer zeitlich befristet. Schaue dir daher genau die Bedingungen für die Prämie an. In der Regel musst du das Konto bis zu einem bestimmten Zeitpunkt eröffnen. Dauert dieser Prozess länger, kann es sein, dass du die Frist dadurch verpasst.\u003C\u002Fp>",{},{"content":7334,"dropCap":16,"anchor":7128},"Startprämien sind fast immer zeitlich befristet. Schaue dir daher genau die Bedingungen für die Prämie an. In der Regel musst du das Konto bis zu einem bestimmten Zeitpunkt eröffnen. Dauert dieser Prozess länger, kann es sein, dass du die Frist dadurch verpasst.",{"innerBlocks":7336,"name":7131,"postId":7123,"originalContent":7337,"get_parent":7338,"attributes":7339,"dynamicContent":35},[],"\u003Cp>Gibt es zusätzliche Bedingungen für die Prämie, sind diese ebenfalls häufig an eine Frist gebunden. Wenn zum Beispiel nach der Kontoeröffnung ein Gehaltseingang erwartet wird, solltest du damit nicht zu lange warten.\u003C\u002Fp>",{},{"content":7340,"dropCap":16,"anchor":7128},"Gibt es zusätzliche Bedingungen für die Prämie, sind diese ebenfalls häufig an eine Frist gebunden. Wenn zum Beispiel nach der Kontoeröffnung ein Gehaltseingang erwartet wird, solltest du damit nicht zu lange warten.",{"innerBlocks":7342,"name":7122,"postId":7123,"originalContent":7343,"get_parent":7344,"attributes":7345,"dynamicContent":35},[],"\u003Ch3>Wie viele Monate nach der Kontoeröffnung bekommst du die Prämie?\u003C\u002Fh3>",{},{"content":7346,"level":5,"anchor":7128},"Wie viele Monate nach der Kontoeröffnung bekommst du die Prämie?",{"innerBlocks":7348,"name":7131,"postId":7123,"originalContent":7349,"get_parent":7350,"attributes":7351,"dynamicContent":35},[],"\u003Cp>Viele Banken stellen die Bedingung, dass du nach erfolgreicher Kontoeröffnung in den ersten Monaten einige Zahlungen tätigst. Du müsstest dann also schon mal diese Zeitspanne abwarten, um deine Prämie zu bekommen. Deine Prämie wird dann im Normalfall auf dein Girokonto oder auf ein Tagesgeldkonto überwiesen. Hier ist es bei jeder Bank unterschiedlich. Lies dir die genauen Konditionen durch, um zu wissen, wann du die Startprämie überwiesen bekommst.\u003C\u002Fp>",{},{"content":7352,"dropCap":16,"anchor":7128},"Viele Banken stellen die Bedingung, dass du nach erfolgreicher Kontoeröffnung in den ersten Monaten einige Zahlungen tätigst. Du müsstest dann also schon mal diese Zeitspanne abwarten, um deine Prämie zu bekommen. Deine Prämie wird dann im Normalfall auf dein Girokonto oder auf ein Tagesgeldkonto überwiesen. Hier ist es bei jeder Bank unterschiedlich. Lies dir die genauen Konditionen durch, um zu wissen, wann du die Startprämie überwiesen bekommst.",{"innerBlocks":7354,"name":7122,"postId":7123,"originalContent":7355,"get_parent":7356,"attributes":7357,"dynamicContent":35},[],"\u003Ch2>Gibt es bei Girokonto-Prämien einen Haken?\u003C\u002Fh2>",{},{"content":7358,"level":67,"anchor":7128},"Gibt es bei Girokonto-Prämien einen Haken?",{"innerBlocks":7360,"name":7131,"postId":7123,"originalContent":7361,"get_parent":7362,"attributes":7363,"dynamicContent":35},[],"\u003Cp>Wenn du dich informiert hast und das neue Girokonto zu dir passt, sollte es keinen Haken geben. Erhältst du eine Prämie in Form eines Rabattes, solltest du beachten, dass dieser ausläuft und dann die normalen Kontogebühren anfallen. Ansonsten musst du dir aber keine Gedanken machen. Eröffnest du ein neues Konto bei einer Bank wegen der Startprämie, ist es im Endeffekt wie eine normale Kontoeröffnung, nur mit einem Bonus.\u003C\u002Fp>",{},{"content":7364,"dropCap":16,"anchor":7128},"Wenn du dich informiert hast und das neue Girokonto zu dir passt, sollte es keinen Haken geben. Erhältst du eine Prämie in Form eines Rabattes, solltest du beachten, dass dieser ausläuft und dann die normalen Kontogebühren anfallen. Ansonsten musst du dir aber keine Gedanken machen. Eröffnest du ein neues Konto bei einer Bank wegen der Startprämie, ist es im Endeffekt wie eine normale Kontoeröffnung, nur mit einem Bonus.",{"innerBlocks":7366,"name":7131,"postId":7123,"originalContent":7367,"get_parent":7368,"attributes":7369,"dynamicContent":35},[],"\u003Cp>Was du unbedingt beachten solltest:\u003C\u002Fp>",{},{"content":7370,"dropCap":16,"anchor":7128},"Was du unbedingt beachten solltest:",{"innerBlocks":7372,"name":7302,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7373,"attributes":7374},[],{},{"name":7302,"data":7375},{"icon_list_0_icon_list_description":7376,"icon_list_0_icon_list_id":7128,"icon_list_0_icon_list_icon":7377,"icon_list_1_icon_list_description":7378,"icon_list_1_icon_list_id":7128,"icon_list_1_icon_list_icon":7377,"icon_list":67},"\u003Cstrong>Auf Schufa-Score achten:\u003C\u002Fstrong> Eröffnest du neben deinem regulären Girokonto noch eins, wird in der Regel eine Anfrage bei der Schufa gestellt. Die Bank prüft deine Bonität, da sie sichergehen möchte, dass du etwaige Gebühren und Kleinkredite zahlen kannst. Zu viele Schufa-Abfragen wirken sich negativ auf deinen Score aus. Sei daher achtsam und eröffne nicht zu viele Girokonten nur wegen der Prämien.","dot","\u003Cstrong>Starprämien beim Finanzamt melden:\u003C\u002Fstrong> Zudem kommt noch der Punkt, dass auch Einnahmen aus Prämien ab einer gewissen Summe beim Finanzamt angegeben und dementsprechend versteuert werden müssen. Bei Konto-Startprämien handelt es sich um „Einkünfte aus sonstigen Leistungen“ – sie werden ab einem Betrag von 256€ meldepflichtig.",{"innerBlocks":7380,"name":7314,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7381,"attributes":7382},[],{},{"name":7314,"data":7383},{"color":7384,"title":7385,"description":7386,"emoji":7387,"link":7388,"button_text":7389},"blue","Community-Deals","Für unsere Community haben wir immer wieder ausgewählte Deals und Gutscheincodes, mit denen du besonders viel sparen kannst. Diese Angebote und weitere interessante Rabatt-Aktionen stellen wir auf unserer Dealsseite vor.","🔝","\u002Fdeals\u002F","Zu den Community-Deals",{"innerBlocks":7391,"name":7122,"postId":7123,"originalContent":7392,"get_parent":7393,"attributes":7394,"dynamicContent":35},[],"\u003Ch2>Solltest du ein Girokonto nur für die Prämie abschließen?\u003C\u002Fh2>",{},{"content":7395,"level":67,"anchor":7128},"Solltest du ein Girokonto nur für die Prämie abschließen?",{"innerBlocks":7397,"name":7131,"postId":7123,"originalContent":7398,"get_parent":7399,"attributes":7400,"dynamicContent":35},[],"\u003Cp>Nicht selten erscheint die Frage, ob es sinnvoll ist, ein neues \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002F\">Girokonto\u003C\u002Fa>, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fetf-handbuch\u002Fdepot-waehlen\u002F\">Depot\u003C\u002Fa>, oder eine \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fkreditkarte\u002F\">Kreditkarte\u003C\u002Fa> wegen der initialen Prämie abzuschließen. Ähnlich wie beim \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Ftagesgeld\u002F\">Tagesgeldkonto\u003C\u002Fa> und dem dazugehörigen Zins-Hopping, sind viele auf der Suche nach den besten Prämien, um sich einige Euro kostenfrei dazuzuverdienen.Während die negative Auswirkung auf den Schufa-Score bei vielen im Vordergrund steht, raten wir vom Konten-Hopping ab, da auch immer ein gewisses Zeitkontingent für die Kontoeröffnung draufgeht. Auch wenn der Papierkram in Zeiten von \u003Ca href=\"http:\u002F\u002Ffinanzfluss.de\u002Fbanking\u002Fonline-banking\u002F\">Neo- und Digitalbanken\u003C\u002Fa> überschaubar ist, ist es doch immer mit einem gewissen Aufwand verbunden, nachzuschauen, ob alle Daueraufträge richtig übernommen wurden und beim neuen Konto alles klappt.\u003C\u002Fp>",{},{"content":7401,"dropCap":16,"anchor":7128},"Nicht selten erscheint die Frage, ob es sinnvoll ist, ein neues \u003Ca href=\"\u002Fgirokonto\u002F\" class=\"app-link\">Girokonto\u003C\u002Fa>, \u003Ca href=\"\u002Fetf-handbuch\u002Fdepot-waehlen\u002F\" class=\"app-link\">Depot\u003C\u002Fa>, oder eine \u003Ca href=\"\u002Fkreditkarte\u002F\" class=\"app-link\">Kreditkarte\u003C\u002Fa> wegen der initialen Prämie abzuschließen. Ähnlich wie beim \u003Ca href=\"\u002Ftagesgeld\u002F\" class=\"app-link\">Tagesgeldkonto\u003C\u002Fa> und dem dazugehörigen Zins-Hopping, sind viele auf der Suche nach den besten Prämien, um sich einige Euro kostenfrei dazuzuverdienen.Während die negative Auswirkung auf den Schufa-Score bei vielen im Vordergrund steht, raten wir vom Konten-Hopping ab, da auch immer ein gewisses Zeitkontingent für die Kontoeröffnung draufgeht. Auch wenn der Papierkram in Zeiten von \u003Ca href=\"\u002Fbanking\u002Fonline-banking\u002F\" class=\"app-link\">Neo- und Digitalbanken\u003C\u002Fa> überschaubar ist, ist es doch immer mit einem gewissen Aufwand verbunden, nachzuschauen, ob alle Daueraufträge richtig übernommen wurden und beim neuen Konto alles klappt.",{"innerBlocks":7403,"name":7122,"postId":7123,"originalContent":7404,"get_parent":7405,"attributes":7406,"dynamicContent":35},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":7407,"level":67,"anchor":7128},"Häufig gestellte Fragen",{"innerBlocks":7409,"name":7410,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7411,"attributes":7412},[],"acf\u002Faccordion",{},{"name":7410,"data":7413},{"accordion_0_accordion_headline":7414,"accordion_0_accordion_description":7415,"accordion_1_accordion_headline":7416,"accordion_1_accordion_description":7417,"accordion_2_accordion_headline":7418,"accordion_2_accordion_description":7419,"accordion":5},"Welche Bank zahlt eine Prämie bei Kontoeröffnung?","Mehrere Banken zahlen Prämien bei der Kontoeröffnung für Neukunden. Aktuell gibt es Startprämien bei der Santander, bei der Comdirect, der Berliner Volksbank, C24, BBBank und einigen weiteren.","Wie viele Girokonten darf man haben?","Es gibt keine Einschränkung oder gesetzliche Regelung, die besagt, wie viele Girokonten man eröffnen darf. Allerdings solltest du dir darüber bewusst sein, dass bei jeder Kontoeröffnung eine Abfrage deiner Bonität bei der Schufa erfolgt. Zu viele Abfragen verschlechtern deinen Schufa-Score.","Wer kann ein Girokonto mit Prämie beantragen?","Im Normalfall darf jede volljährige Person ein Girokonto mit Prämie eröffnen. Um die Prämie zu erhalten, musst du in der Regel Neukunde sein. Das heißt bei einigen Banken, dass du in den vergangenen 12 Monaten keine Kundenbeziehung zur Bank hattest.",{"innerBlocks":7421,"name":7122,"postId":7123,"originalContent":7422,"get_parent":7423,"attributes":7424,"dynamicContent":35},[],"\u003Ch2>Unsere Girokonto-Vergleiche\u003C\u002Fh2>",{},{"content":7425,"level":67,"anchor":7128},"Unsere Girokonto-Vergleiche",{"innerBlocks":7427,"name":7428,"postId":7123,"originalContent":7128,"saveContent":7128,"get_parent":7429,"attributes":7430},[],"acf\u002Fbox-other-topic",{},{"name":7428,"data":7431},{"box_other_topic_description":7432},"\u003Cul>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Girokonto-Vergleich\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fkostenlos-ohne-mindesteingang\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Kostenloses Girokonto ohne Mindesteingang\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fmit-kreditkarte\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Girokonto mit Kreditkarte\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fmit-unterkonten\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Girokonto mit Unterkonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fohne-schufa\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Girokonto ohne Schufa\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fgemeinschaftskonto\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Gemeinschaftskonto\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fstudenten\u002F\" class=\"app-link\">\u003Cspan style=\"font-weight: 400;\">Girokonto für Studenten\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>",[7434,7437,7440],{"title":7435,"link":7436},"Vergleich","\u002Fvergleich\u002F",{"title":7438,"link":7439},"Girokonto","\u002Fvergleich\u002Fgirokonto\u002F",{"title":7441,"link":7128},"Mit Prämie","cG9zdDozMDY3MDc4",{"__typename":7444,"metaDesc":7445,"opengraphType":7446,"opengraphTitle":7447,"opengraphSiteName":7448,"opengraphImage":7449,"metaRobotsNoindex":7456,"metaRobotsNofollow":7457,"opengraphDescription":7445,"opengraphModifiedTime":7458,"opengraphPublishedTime":7128,"twitterTitle":7128,"twitterDescription":7128,"title":7447,"readingTime":820},"PostTypeSEO","Du willst ein Girokonto öffnen und dabei ein Startguthaben erhalten? Konten mit Bonus und wo du die höchste Prämie zum Girokonto erhältst, hier.","article","Girokonto mit Prämie (07\u002F2026): Bis 200€ Bonus sichern","Finanzfluss",{"__typename":7450,"sourceUrl":7451,"mediaDetails":7452},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Fimage-1.png",{"__typename":7453,"width":7454,"height":7455},"MediaDetails",1280,720,"index","follow","2026-07-01T07:20:15+00:00","Girokonto mit Prämie 2026","https:\u002F\u002Fvg06.met.vgwort.de\u002Fna\u002F9e684336635d49828ed8c17b2f5e4f05","\u002Fvergleich\u002Fgirokonto\u002Fpraemien\u002F","sub-comparison",1784640732819]