TARGOBANK AG

Business Summary

TARGOBANK AG provides services in the area of retail banking. The range of products offered by TARGOBANK AG includes current accounts, debit cards, credit cards, savings accounts (0.01 - 1.00 %), time deposit accounts (0.00 - 0.50 %), consumer loans (2.45 - 8.99 %), car loans (2.45 - 2.95 %), trading accounts.

Account Opening

Account Opening Procedure
submit online application
visit bank branch

Opening an account with TARGOBANK AG can be done by performing the following steps: submit online application, visit bank branch.

Identity Verification
branch visit

TARGOBANK AG performs identity verification using branch visit.

Ways to Bank

Business Channels
branch branch
online banking online banking
mobile app mobile app

Products and services offered by TARGOBANK AG are available at its branches and via its online banking system, mobile application.

Mobile Application: TARGOBANK Banking

 2.3, 8 Ratings

TARGOBANK Banking
TARGOBANK Banking
TARGOBANK Banking
TARGOBANK Banking
TARGOBANK Banking Supported Languages
Catalan
GBEnglish
FRFrench
DEGerman
ESSpanish

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

The following current accounts are offered by TARGOBANK AG.

Updated on 13 July 2020

Komfort-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Komfort-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
39.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Komfort-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
12.43 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Komfort-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
12.43 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
39.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Komfort-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
12.43 %
Annual Costs
107.40 EUR
Current Account Details
Product Name
Komfort-Konto
Account Currency
EUR
Annual Costs
107.40 EUR
Interest Rate (p.a.)
12.43 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
39.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Komfort-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
107.40 EUR
Current Account Details
Product Name
Komfort-Konto
Account Currency
EUR
Annual Costs
107.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
39.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Online-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Online-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

Online-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
7.47 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Online-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
7.47 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

Online-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
47.40 EUR
Current Account Details
Product Name
Online-Konto
Account Currency
EUR
Annual Costs
47.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

Online-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
7.47 %
Annual Costs
47.40 EUR
Current Account Details
Product Name
Online-Konto
Account Currency
EUR
Annual Costs
47.40 EUR
Interest Rate (p.a.)
7.47 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

Plus-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Plus-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Account be can accessed via online banking, phone, branch

Available to German residents

Plus-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
12.43 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Plus-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
12.43 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Account be can accessed via online banking, phone, branch

Available to German residents

Plus-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Plus-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Account be can accessed via online banking, phone, branch

Available to German residents

Plus-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
71.40 EUR
Current Account Details
Product Name
Plus-Konto
Account Currency
EUR
Annual Costs
71.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Account be can accessed via online banking, phone, branch

Available to German residents

Premium-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Premium-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
88.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Premium-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
149.40 EUR
Current Account Details
Product Name
Premium-Konto
Account Currency
EUR
Annual Costs
149.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
88.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Premium-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
149.40 EUR
Current Account Details
Product Name
Premium-Konto
Account Currency
EUR
Annual Costs
149.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
88.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Premium-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.47 %
Annual Costs
149.40 EUR
Current Account Details
Product Name
Premium-Konto
Account Currency
EUR
Annual Costs
149.40 EUR
Interest Rate (p.a.)
8.47 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
88.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

Free debit card

Credit card Visa available

Account be can accessed via online banking, phone, branch

Available to German residents

Starter-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
8.40 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Starter-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
8.40 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

Starter-Konto
Sales Region
DEGermany
Overdraft Rate (p.a.)
none
Interest Rate (p.a.)
0.00 %
Annual Costs
0.00 EUR
Current Account Details
Product Name
Starter-Konto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
none
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Visa Credit Card
Visa Credit Card Costs (p.a.)
0.00 EUR
MasterCard Credit Card
Telephone Banking
Branch Banking
Online Banking
Current Account Features

No annual fees

Free debit card

Free credit card Visa

Account be can accessed via online banking, phone, branch

Available to German residents

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Savings Accounts

Savings accounts are interest-bearing deposits accounts which allow to withdraw money at any time. While providing more flexibility, savings accounts usually offer lower interest rates and shorter deposit terms than time deposit accounts.

TARGOBANK AG offers the following savings accounts.

Updated on 13 July 2020

Tagesgeld bei Depotwechsel
Sales Region
DEGermany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 1.00 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Tagesgeld bei Depotwechsel
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
1.00 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year
Tagesgeld-Konto
Sales Region
DEGermany
Investment Amount
1 - 999,999 EUR
Interest Rate (p.a.)
0.01 - 0.03 %
Deposit Term
1 - 99 months
Savings Account Details
Product Name
Tagesgeld-Konto
Account Currency
EUR
Min. Interest Rate (p.a.)
0.01 %
Max. Interest Rate (p.a.)
0.03 %
Min. Deposit Term
1 month
Max. Deposit Term
99 months
Min. Investment Amount
1 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
1 times a year

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Savings accounts made with TARGOBANK AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on savings accounts by non-residents of Germany is not taxed. Interest gained on savings accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by TARGOBANK AG from the savings account.

See Also

Time Deposit Accounts

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

TARGOBANK AG offers the following time deposit accounts.

Updated on 13 July 2020

Festgeld
Sales Region
DEGermany
Investment Amount
2,500 - 999,999 EUR
Interest Rate (p.a.)
0.00 - 0.50 %
Deposit Term
1 - 72 months
Time Deposit Account Details
Product Name
Festgeld
Account Currency
EUR
Min. Interest Rate (p.a.)
0.00 %
Max. Interest Rate (p.a.)
0.50 %
Min. Deposit Term
1 month
Max. Deposit Term
72 months
Min. Investment Amount
2,500 EUR
Max. Investment Amount
999,999 EUR
Interest Frequency
12 times a year

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Deposit Guarantee. Time deposit accounts made with TARGOBANK AG are covered by deposit guarantee scheme of Germany up to 100,000 EUR per depositor.
Withholding Tax. Interest income gained on time deposit accounts by non-residents of Germany is not taxed. Interest gained on time deposit accounts by residents of Germany is taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold by TARGOBANK AG from the time deposit account.

See Also

Credit Cards

Credit cards provide a convenient option to borrow funds for short-term financing, for examples purchasing of goods and services. Credit cards differ by credit card provider (Visa, American Express, MasterCard), credit card type (silver, gold, platinum), charged interest and annual costs. The following credit cards are offered by TARGOBANK AG.

Updated on 13 July 2020

Online-Classic-Karte
Sales Region
DEGermany
Card Currency
EUR
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Credit Card Details
Product Name
Online-Classic-Karte
Card Provider
Visa
Card Type
Standard
Annual Costs
0.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
3.85 %
Current Account Necessary
Bonus Program
Gold-Karte
Sales Region
DEGermany
Card Currency
EUR
Card Provider
Visa
Card Type
Gold
Annual Costs
59.00 EUR
Credit Card Details
Product Name
Gold-Karte
Card Provider
Visa
Card Type
Gold
Annual Costs
59.00 EUR
Card Currency
EUR
Transaction Cost (EUR)
0.00 %
Transaction Cost (non-EUR)
3.85 %
Current Account Necessary
Bonus Program

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Consumer Loans

Consumer loans are secured or unsecured (i.e., backed or non-backed by a collateral) loans provided to retail customers for personal, family, or household purposes or for purchase of goods and services. In terms of repayment, consumer loans can be revolving (when a credit limit can be spent, repaid and spent again) or installment (such a loan is repaid in equal installments until the loan is paid off at the end of its term). Consumer loans offered by TARGOBANK AG are shown in the table below.

Updated on 13 July 2020

Kredit für Selbstständige
Sales Region
DEGermany
Borrowing Amount
1,500 - 35,000 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
8.99 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
1,500 EUR
Max. Borrowing Amount
35,000 EUR
Min. Effective Rate (p.a.)
8.99 %
Max. Effective Rate (p.a.)
8.99 %
Online-Kredit
Sales Region
DEGermany
Borrowing Amount
1,500 - 65,000 EUR
Loan Term
12 - 60 months
Effective Rate (p.a.)
8.49 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
60 months
Min. Borrowing Amount
1,500 EUR
Max. Borrowing Amount
65,000 EUR
Min. Effective Rate (p.a.)
8.49 %
Max. Effective Rate (p.a.)
8.49 %
Wohnkredit
Sales Region
DEGermany
Borrowing Amount
1,500 - 65,000 EUR
Loan Term
12 - 36 months
Effective Rate (p.a.)
3.69 %
Consumer Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
36 months
Min. Borrowing Amount
1,500 EUR
Max. Borrowing Amount
65,000 EUR
Min. Effective Rate (p.a.)
3.69 %
Max. Effective Rate (p.a.)
3.69 %

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Car Loans

Car loans are secured or unsecured (i.e., backed or non-backed by a collateral) installment loans provided to retail customers for the purpose of buying a new or used car. Used cars purchased privately are often financed through unsecured loans, while new cars are financed via secured loans with the car used as the loan collateral. Car loans offered by TARGOBANK AG are shown in the table below.

Updated on 13 July 2020

Online-Autokredit
Sales Region
DEGermany
Borrowing Amount
1,500 - 65,000 EUR
Loan Term
12 - 84 months
Effective Rate (p.a.)
2.45 %
Car Loan Details
Loan Currency
EUR
Min. Loan Term
12 months
Max. Loan Term
84 months
Min. Borrowing Amount
1,500 EUR
Max. Borrowing Amount
65,000 EUR
Min. Effective Rate (p.a.)
2.45 %
Max. Effective Rate (p.a.)
2.45 %

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts offered by TARGOBANK AG are shown in the table below.

Updated on 13 July 2020

Klassik-Depot
Sales Region
DEGermany
Annual Costs
0.00 GBP
Costs per Order
8.90 - 34.90 GBP
Trading Account Details
Product Name
Klassik-Depot
Annual Costs
0.00 GBP
Costs per Order
8.90 - 34.90 GBP
Traded Instruments
stocks
ETFs
OTC Trading
Intraday Trading
Trading Account Features

Major world stock exchanges

Most popular trade instruments

Available to German residents

No annual costs

Depotwechsel
Sales Region
DEGermany
Annual Costs
0.00 GBP
Costs per Order
8.90 - 34.90 GBP
Trading Account Details
Product Name
Depotwechsel
Annual Costs
0.00 GBP
Costs per Order
8.90 - 34.90 GBP
Traded Instruments
stocks
ETFs
OTC Trading
Intraday Trading
Trading Account Features

Major world stock exchanges

Most popular trade instruments

Available to German residents

No annual costs

DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
Investor Compensation. Trading accounts made with TARGOBANK AG are covered by investor compensation scheme of Germany up to 20,000 EUR per investor.

See Also