Current Accounts

Compare Bank Current Accounts in Germany

Updated on 15 October 2024

18 offers from 10 banks
Interest Rates: 0.00 - 2.25 % p.a.
Overdraft Rates: 0.00 - 15.80 % p.a.
Annual Costs: 0.00 - 119.40 EUR
Sales Reqion
DEGermany
Customers Rating
 (1.6)
Interest Rate
0.00 %
Overdraft Rate
0.00 %
Costs (p.a.)
0.00 EUR
No annual fees; overdraft rate 0.00 %; free debit card; free credit card
Current Account Details
Product Name
JuniorGiro
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
0.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

No annual fees

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (1.6)

Established in 1994, comdirect bank is a direct bank, a member of Commerzbank Group. Initially prodiving online brokerage services, comdirect bank now also offers a complete range of retail banking products and services to its online customers. In 2009 comdirect bank started offering investment management solutions to business customers.

Sales Reqion
DEGermany
Customers Rating
 (4.9)
Interest Rate
2.25 %
Overdraft Rate
7.49 %
Costs (p.a.)
0.00 EUR
No annual fees; overdraft rate 7.49 %; interest rate 2.25 %; free debit card; free credit card
Current Account Details
Product Name
C24 SMART
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
2.25 %
Overdraft Rate (p.a.)
7.49 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

No annual fees

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking

Available to German residents

Current Account Provider
 (4.9)

C24 Bank was founded with the vision of providing customers with particularly convenient and secure banking while at the same time providing functions that customers can use to optimize their finances and save money. C24 Bank is a member of CHECK24 Group and uses its open banking platform to help the customer discover new financial products.

Sales Reqion
DEGermany
Customers Rating
 (4.0)
Interest Rate
0.00 %
Overdraft Rate
10.99 %
Costs (p.a.)
70.80 EUR
Bonus up to 150.00 EUR
Annual fees 70.80 EUR; overdraft rate 10.99 %; debit card fee 11.88 EUR; free credit card
Current Account Details
Product Name
Girokonto Future + gratis Visa Card [Debitkarte] + optionale Girocard [Debitkarte]
Account Currency
EUR
Annual Costs
70.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.99 %
Debit Card
Debit Card Costs (p.a.)
11.88 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (4.0)

ING-DiBa AG is a direct bank of ING Group (Netherlands) offering retail banking products and services. Being a direct bank, ING-DiBa AG doesn't have an expensive branch network, the resulting cost savings are passed on to the bank's customers which allows to offer fair conditions in all product areas. The savings and loan products of ING-DiBa AG are not complicated and can be opened and administered independently via the Internet, telephone or by postal letters.

Sales Reqion
DEGermany
Customers Rating
 (4.0)
Interest Rate
0.00 %
Overdraft Rate
10.99 %
Costs (p.a.)
70.80 EUR
Bonus up to 150.00 EUR
Annual fees 70.80 EUR; overdraft rate 10.99 %; free debit card; free credit card
Current Account Details
Product Name
Girokonto Future + gratis Visa Card [Debitkarte]
Account Currency
EUR
Annual Costs
70.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.99 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (4.0)

ING-DiBa AG is a direct bank of ING Group (Netherlands) offering retail banking products and services. Being a direct bank, ING-DiBa AG doesn't have an expensive branch network, the resulting cost savings are passed on to the bank's customers which allows to offer fair conditions in all product areas. The savings and loan products of ING-DiBa AG are not complicated and can be opened and administered independently via the Internet, telephone or by postal letters.

Sales Reqion
DEGermany
Customers Rating
 (4.0)
Interest Rate
0.00 %
Overdraft Rate
10.99 %
Costs (p.a.)
58.80 EUR
Bonus up to 150.00 EUR
Annual fees 58.80 EUR; overdraft rate 10.99 %; debit card fee 11.88 EUR; free credit card
Current Account Details
Product Name
Girokonto + gratis Visa Card [Debitkarte] + optionale Girocard [Debitkarte]
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.99 %
Debit Card
Debit Card Costs (p.a.)
11.88 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (4.0)

ING-DiBa AG is a direct bank of ING Group (Netherlands) offering retail banking products and services. Being a direct bank, ING-DiBa AG doesn't have an expensive branch network, the resulting cost savings are passed on to the bank's customers which allows to offer fair conditions in all product areas. The savings and loan products of ING-DiBa AG are not complicated and can be opened and administered independently via the Internet, telephone or by postal letters.

Sales Reqion
DEGermany
Customers Rating
 (2.0)
Interest Rate
0.00 %
Overdraft Rate
9.65 %
Costs (p.a.)
108.00 EUR
Annual fees 108.00 EUR; overdraft rate 9.65 %; free debit card; free credit card
Current Account Details
Product Name
Girokonto Unlimited
Account Currency
EUR
Annual Costs
108.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
9.65 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.0)

BNP Paribas is a French banking and financial services institution. BNP Paribas is one of the largest banks in Europe and in the world. BNP Paribas Group has been active in Germany since 1947 and serves private customers, companies and institutions via its twelve entities. Direct retail banking and securities trading are offered via Consorsbank, a brand name of BNP Paribas.

Sales Reqion
DEGermany
Customers Rating
 (2.0)
Interest Rate
0.00 %
Overdraft Rate
10.90 %
Costs (p.a.)
48.00 EUR
Annual fees 48.00 EUR; overdraft rate 10.90 %; free debit card; free credit card
Current Account Details
Product Name
Essential inkl. kostenfreier Girocard
Account Currency
EUR
Annual Costs
48.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.90 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking

Available to German residents

Current Account Provider
 (2.0)

BNP Paribas is a French banking and financial services institution. BNP Paribas is one of the largest banks in Europe and in the world. BNP Paribas Group has been active in Germany since 1947 and serves private customers, companies and institutions via its twelve entities. Direct retail banking and securities trading are offered via Consorsbank, a brand name of BNP Paribas.

Sales Reqion
DEGermany
Customers Rating
 (2.5)
Interest Rate
0.00 %
Overdraft Rate
12.20 %
Costs (p.a.)
118.80 EUR
Bonus up to 50.00 EUR
Annual fees 118.80 EUR; overdraft rate 12.20 %; free debit card
Current Account Details
Product Name
Girokonto inkl. kostenloser Debitkarte
Account Currency
EUR
Annual Costs
118.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
12.20 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.5)

Founded in 1870, Commerzbank is an international commercial bank with branches and offices in more than 50 countries. Commerzbank's core markets are Germany and Poland. Commerzbank offers its products and services to private and corporate clients, as well as institutional investors.

Sales Reqion
DEGermany
Customers Rating
 (4.3)
Interest Rate
0.00 %
Overdraft Rate
9.24 %
Costs (p.a.)
34.80 EUR
Annual fees 34.80 EUR; overdraft rate 9.24 %; debit card fee 15.00 EUR; credit card fee 29.00 EUR
Current Account Details
Product Name
PSD GiroDirekt
Account Currency
EUR
Annual Costs
34.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
9.24 %
Debit Card
Debit Card Costs (p.a.)
15.00 EUR
Credit Card
Credit Card Costs (p.a.)
29.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Debit card available

Credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (4.3)

PSD Bank Nürnberg eG is a cooperative bank owned by its members via shares.PSD Bank Nürnberg eG provides retail banking products and services to its customersfocusing on customer requirements and development of local economy, paying special attention tosmall and medium-sized enterprises (SMEs).

Sales Reqion
DEGermany
Customers Rating
 (2.1)
Interest Rate
0.00 %
Overdraft Rate
11.48 %
Costs (p.a.)
0.00 EUR
Bonus up to 50.00 EUR
No annual fees; overdraft rate 11.48 %; free debit card; credit card fee 29.90 EUR
Current Account Details
Product Name
Girokonto
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
11.48 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
29.90 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

No annual fees

Free debit card available

Credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.1)

Frankfurter Sparkasse is a member of Sparkassen Finanzgruppe and is the 5th largest savings bank in Germany out of 353.

Core business of Frankfurter Sparkasse is providing high-quality retail banking products and services to local residents: private customers, small- and medium-sized enterprises and public-sector institutions.

Traditionally for savings banks Frankfurter Sparkasse is essentially focusedon broad participation in developing citizens' prosperity and on increasing local economic strength rather than on maximising profits. This business focus help Frankfurter Sparkasse to avoid excessive risks which is reflected in high credit ratings of Frankfurter Sparkasse.

Frankfurter Sparkasse, one of the largest savings banks in Germany, is a modern, universal bank, providing all types of financial services for both private and corporate customers. Frankfurter Sparkasse offers direct banking via its subsidiary 1822direkt.Frankfurter Sparkasse belongs to Landesbank Hessen-Thüringen (Helaba).

Sales Reqion
DEGermany
Customers Rating
Interest Rate
0.00 %
Overdraft Rate
10.55 %
Costs (p.a.)
46.80 EUR
Annual fees 46.80 EUR; overdraft rate 10.55 %; free debit card; credit card fee 29.00 EUR
Current Account Details
Product Name
Fohlen-Konto
Account Currency
EUR
Annual Costs
46.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.55 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
29.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider

Deutsche Postbank was formed in 1990 as a result of de-merger postal savings division from Deutsche Post. Deutsche Postbank offers retail and corporate banking and insurance simple, low-priced and fair products and services to its individual and business customers via Internet and mobile banking, telephone, a wide branch network and postal offices. Since May 2018, Deutsche Postbank operates as a branch of DB Privat- und Firmenkundenbank AG.

Sales Reqion
DEGermany
Customers Rating
 (2.4)
Interest Rate
0.00 %
Overdraft Rate
8.16 %
Costs (p.a.)
47.40 EUR
Annual fees 47.40 EUR; overdraft rate 8.16 %; free debit card; free credit card
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.)
8.16 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.4)

TARGOBANK is a subsidiary Crédit Mutuel, a French cooperative bank. TARGOBANK provides retail banking products and services. The bank's is focused on reliable advice and simple, attractive products. TARGOBANK distributes its products via different channels - branches, phone, Internet.

Sales Reqion
DEGermany
Customers Rating
 (2.4)
Interest Rate
0.00 %
Overdraft Rate
13.73 %
Costs (p.a.)
119.40 EUR
Annual fees 119.40 EUR; overdraft rate 13.73 %; free debit card; credit card fee 39.00 EUR
Current Account Details
Product Name
Komfort-Konto
Account Currency
EUR
Annual Costs
119.40 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
13.73 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
39.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.4)

TARGOBANK is a subsidiary Crédit Mutuel, a French cooperative bank. TARGOBANK provides retail banking products and services. The bank's is focused on reliable advice and simple, attractive products. TARGOBANK distributes its products via different channels - branches, phone, Internet.

Sales Reqion
DEGermany
Customers Rating
 (1.6)
Interest Rate
0.00 %
Overdraft Rate
11.00 %
Costs (p.a.)
34.80 EUR
Bonus up to 50.00 EUR
Annual fees 34.80 EUR; overdraft rate 11.00 %; free debit card; free credit card
Current Account Details
Product Name
Girokonto Extra
Account Currency
EUR
Annual Costs
34.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
11.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (1.6)

Established in 1994, comdirect bank is a direct bank, a member of Commerzbank Group. Initially prodiving online brokerage services, comdirect bank now also offers a complete range of retail banking products and services to its online customers. In 2009 comdirect bank started offering investment management solutions to business customers.

Sales Reqion
DEGermany
Customers Rating
 (2.1)
Interest Rate
0.00 %
Overdraft Rate
11.48 %
Costs (p.a.)
46.80 EUR
Bonus up to 100.00 EUR
Annual fees 46.80 EUR; overdraft rate 11.48 %; debit card fee 6.00 EUR; credit card fee 29.90 EUR
Current Account Details
Product Name
Girokonto Klassik
Account Currency
EUR
Annual Costs
46.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
11.48 %
Debit Card
Debit Card Costs (p.a.)
6.00 EUR
Credit Card
Credit Card Costs (p.a.)
29.90 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Debit card available

Credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (2.1)

Frankfurter Sparkasse is a member of Sparkassen Finanzgruppe and is the 5th largest savings bank in Germany out of 353.

Core business of Frankfurter Sparkasse is providing high-quality retail banking products and services to local residents: private customers, small- and medium-sized enterprises and public-sector institutions.

Traditionally for savings banks Frankfurter Sparkasse is essentially focusedon broad participation in developing citizens' prosperity and on increasing local economic strength rather than on maximising profits. This business focus help Frankfurter Sparkasse to avoid excessive risks which is reflected in high credit ratings of Frankfurter Sparkasse.

Frankfurter Sparkasse, one of the largest savings banks in Germany, is a modern, universal bank, providing all types of financial services for both private and corporate customers. Frankfurter Sparkasse offers direct banking via its subsidiary 1822direkt.Frankfurter Sparkasse belongs to Landesbank Hessen-Thüringen (Helaba).

Sales Reqion
DEGermany
Customers Rating
 (1.5)
Interest Rate
0.00 %
Overdraft Rate
15.80 %
Costs (p.a.)
0.00 EUR
Bonus up to 75.00 EUR
No annual fees; overdraft rate 15.80 %; free debit card; free credit card
Current Account Details
Product Name
BestGiro
Account Currency
EUR
Annual Costs
0.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
15.80 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

No annual fees

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (1.5)

Santander Consumer Bank Aktiengesellschaft, a member of Santander Group (Spain), is a provider of financial services in retail banking. The head bank of the group, Banco Santander, based in Madrid is mainly active in retail banking and in addition in global wholesale banking, cards, asset management and insurance business.

Sales Reqion
DEGermany
Customers Rating
 (4.0)
Interest Rate
0.00 %
Overdraft Rate
10.99 %
Costs (p.a.)
58.80 EUR
Bonus up to 150.00 EUR
Annual fees 58.80 EUR; overdraft rate 10.99 %; free debit card; free credit card
Current Account Details
Product Name
Girokonto + gratis Visa Card [Debitkarte]
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
10.99 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (4.0)

ING-DiBa AG is a direct bank of ING Group (Netherlands) offering retail banking products and services. Being a direct bank, ING-DiBa AG doesn't have an expensive branch network, the resulting cost savings are passed on to the bank's customers which allows to offer fair conditions in all product areas. The savings and loan products of ING-DiBa AG are not complicated and can be opened and administered independently via the Internet, telephone or by postal letters.

Sales Reqion
DEGermany
Customers Rating
 (1.6)
Interest Rate
0.00 %
Overdraft Rate
11.00 %
Costs (p.a.)
58.80 EUR
Bonus up to 50.00 EUR
Annual fees 58.80 EUR; overdraft rate 11.00 %; free debit card; free credit card
Current Account Details
Product Name
Girokonto Aktiv
Account Currency
EUR
Annual Costs
58.80 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
11.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Credit Card Costs (p.a.)
0.00 EUR
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Current Account Features

Free debit card available

Free credit card available

Account be can accessed via online banking, mobile banking, phone, branch

Available to German residents

Current Account Provider
 (1.6)

Established in 1994, comdirect bank is a direct bank, a member of Commerzbank Group. Initially prodiving online brokerage services, comdirect bank now also offers a complete range of retail banking products and services to its online customers. In 2009 comdirect bank started offering investment management solutions to business customers.

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.

Current accounts are usually non-interest bearing deposit accounts which are designated to perform day-to-day banking transactions and are often offered with a payment card (a debit card and/or a credit card). Also current accounts may include overdraft possibility.

The table above shows selected current accounts offered to retail customers by the banks in Germany. The interest rates (per annum) are within the range 0.00 - 2.25 %,the overdraft rates (per annum) - 0.00 - 15.80 %, the annual costs - 0.00 - 119.40 EUR.

Deposit Guarantee. Current accounts made with credit institutions in Germany are covered by deposit guarantee scheme up to 100,000 EUR per depositor.

Withholding Tax. Interest income gained on current accounts by non-residents of Germanyis not taxed. Interest gained on current accounts by residents of Germanyis taxed at 26.00% rate. When the interest is paid, this tax is automatically withhold from the current account by the bank.

Other Banking Products in Germany

See Also

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