[{"data":1,"prerenderedAt":5150},["ShallowReactive",2],{"comparison-girokonto":3},{"directusData":4,"page":4404,"uri":5148,"type":5149},{"id":5,"slug":6,"title":7,"product_selection_title":8,"text":9,"date_updated":10,"factsheet":11,"disclaimer":16,"show_calculator":17,"show_filter":17,"show_layout_toggle":18,"default_parameters":19,"table_columns":32,"table_sort":224,"award_highlight":230,"tags":44,"award_1_label":231,"award_2_label":232,"award_3_label":233,"award_4_label":234,"user_created":235,"award_1_item":241,"award_2_item":252,"award_3_item":263,"award_4_item":273,"items":290},1,"girokonto","Girokonto-Vergleich","Deine Girokonto Auswahl","\u003Ch2>Das beste Girokonto 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Wir haben 1.193 Personen aus unserer Community befragt, um herauszufinden, welche Kriterien euch beim Girokonto wichtig sind. Darauf basierend haben wir Girokonten überregionaler Anbieter miteinander verglichen. Nutze unseren Vergleich, um die verschiedenen Gebühren, Bankkarten und Leistungen zu vergleichen und die für dich beste Bank zu finden.\u003C\u002Fp>","2026-07-01T09:09:00.929Z",[12],{"key":13,"value":14,"icon":15,"label":13},"Befragte Personen","1.193","users","\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>",true,false,[20,24,28],{"title":21,"key":22,"value":23},"Geldeingang p.M.","monthlyDeposit","1000",{"title":25,"key":26,"value":27},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":29,"key":30,"value":31},"Abhebungen p.M.","monthlyWithdrawalCount","4",[33,36,40,45,50,56,59,66,71,75,80,84,87,90,94,97,103,110,114,117,120,124,127,130,136,140,143,147,151,154,159,163,168,173,177,181,186,191,195,199,202,207,211,214,218,221],{"key":34,"type":34,"active":17,"label":35,"filterable":18},"provider","Anbieter",{"key":37,"type":38,"active":17,"label":39,"filterable":18},"label","product","Konto",{"key":41,"type":42,"active":17,"label":43,"custom_cta":44,"custom_cta_no_affiliate":44},"url","cta","Angebot",null,{"label":46,"key":47,"type":48,"active":17,"description":49},"Gesamtkosten p.M.","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":51,"type":51,"active":17,"description":52,"label":53,"options":54,"sort_options":55,"sortable":18},"rating","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Hier sind \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa>.\u003C\u002Fspan>\u003C\u002Fp>","Girokonto-Test",[],[],{"key":57,"type":48,"active":17,"label":58,"mobile_rank":5},"account_maintenance_fee","Kontoführungsgebühr p.M.",{"key":60,"type":61,"active":17,"label":62,"options":63,"mobile_rank":65},"girocard","image","Girocard p.M.",[64],"icons-filled",3,{"key":67,"type":61,"active":17,"label":68,"options":69,"mobile_rank":70},"debitcard","Debitkarte p.M.",[64],4,{"key":72,"type":61,"active":17,"label":73,"options":74,"mobile_rank":44},"creditcard","Kreditkarte p.M.",[64],{"key":76,"type":61,"active":17,"label":77,"options":78},"contactless_payment_services","Mobile Bezahldienste",[79],"disable-tooltip",{"key":81,"type":48,"active":17,"label":82,"description":83},"free_withdrawals_per_month","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":85,"type":48,"active":17,"label":86},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":88,"type":48,"active":18,"label":89},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":91,"type":48,"active":17,"label":92,"description":93},"fee_withdrawal_non_euro_countries","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":95,"type":48,"active":18,"label":96},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":98,"type":99,"active":17,"label":100,"description":101,"options":102},"deposit_money","check","Geld einzahlen","\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>",[64],{"key":104,"type":105,"active":17,"value":44,"field":106,"label":107,"description":108,"mobile_rank":109},"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 der günstigsten enthaltenen Bankkarten nutzen kann.\u003C\u002Fspan>\u003C\u002Fp>",2,{"label":111,"key":112,"type":99,"active":17,"description":113},"Bargeld im Handel abheben","cash_in_retail","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":115,"type":48,"active":17,"label":116},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":118,"type":48,"active":18,"label":119},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":121,"type":48,"active":17,"label":122,"description":123},"fee_payment_non_euro_countries","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":125,"type":48,"active":18,"label":126},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":128,"key":129,"type":99,"active":17},"Kostenlose SEPA-Überweisung","free_wire",{"key":131,"label":132,"type":133,"active":18,"description":134,"options":135},"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>",[64],{"label":137,"key":138,"type":99,"active":17,"description":139},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":141,"key":142,"type":99,"active":17},"Zinsen auf dem Girokonto","giro_interest",{"label":144,"key":145,"type":99,"active":17,"description":146},"Kostenloses Tagesgeld mit Zinsen","free_daily_account_interests","\u003Cp>Die genauen Konditionen der Tagesgeldkonten findest du in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Ftagesgeld\u002F\" target=\"_blank\" rel=\"noopener\">Tagesgeld-Vergleich\u003C\u002Fa>. Kostenlose Unterkonten wie Pockets oder Spaces, auf denen es Zinsen gibt, zeigen wir ebenfalls an.\u003C\u002Fp>",{"key":148,"type":48,"active":17,"label":149,"description":150},"free_sub_accounts","Anzahl kostenloser Unterkonten","\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":152,"type":48,"active":18,"label":153},"custody_fee","Verwahrentgelt",{"key":155,"type":156,"active":17,"label":157,"description":158},"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":160,"type":99,"active":17,"label":161,"options":162},"branches","Filialen",[],{"key":164,"type":61,"active":17,"options":165,"label":167},"online_banking",[166],"transparent","Online-Banking",{"label":169,"key":170,"type":61,"active":18,"options":171,"description":172},"App-Bewertung","app_rating",[166],"\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":174,"key":175,"type":61,"active":17,"options":176},"App-Bewertung (iOS)","app_rating_ios",[166],{"label":178,"key":179,"type":61,"active":17,"options":180},"App-Bewertung (Android)","app_rating_android",[166],{"label":182,"key":183,"type":61,"active":17,"options":184,"description":185},"Ident-Verfahren","ident_method",[166],"\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":187,"key":188,"type":61,"active":17,"options":189,"description":190},"TAN-Verfahren","tan_method",[166],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":192,"type":99,"active":17,"label":193,"options":194},"depot","Kostenloses Depot",[64],{"key":196,"type":99,"active":17,"label":197,"options":198},"account_switching_service","Kontowechsel-Service",[64],{"key":200,"type":48,"active":17,"label":201},"overdraft_interest","Dispozins",{"label":203,"key":204,"type":205,"active":17,"description":206},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":208,"type":209,"active":18,"label":210},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":212,"label":213,"type":209,"active":18},"fee_information","Entgeltinformation",{"key":215,"type":216,"active":17,"label":217,"filterable":18,"filter_type":44,"filter_options":44,"filter_condition":44},"special_features","features","Besondere Eigenschaften",{"key":219,"type":48,"active":18,"label":220},"starting_premium","Startprämie",{"label":222,"key":223,"type":99,"active":18},"Kostenlos für Studenten","is_free_for_students",[225,227],{"label":46,"key":47,"sort":226,"default_sort":18},"asc",{"label":228,"key":51,"sort":229,"default_sort":17},"Testnote","desc","0","Bestes Girokonto","40€ Bonus","2,25% Zinsen","75€ + 0,5% Bonus",{"first_name":236,"last_name":237,"avatar":238,"image":239},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",{"id":238,"filename_download":240},"Stephan.jpg",[242],{"item":243},{"id":244,"label":245,"url":246,"provider":247},13,"Norisbank Top-Girokonto","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fnorisbank-top-girokonto",{"label":248,"logo":249},"Norisbank",{"id":250,"filename_download":251},"1b25d2ec-41c0-44aa-bdb8-6950d6b626bf","norisbank-logo-130x35.svg",[253],{"item":254},{"id":255,"label":256,"url":257,"provider":258},88,"BBVA Girokonto","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fbbva-girokonto",{"label":259,"logo":260},"BBVA",{"id":261,"filename_download":262},"ef47c9fe-70d3-4c63-a1bd-c8102d9f8f8c","BBVA_Logo_130x35.svg",[264],{"item":265},{"id":266,"label":267,"url":268,"provider":269},50,"Trade Republic","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ftrade-republic-girokonto",{"label":267,"logo":270},{"id":271,"filename_download":272},"b3989a65-29ff-42b3-ac41-03c2c64fe41d","trade-republic-logo-wide.svg",[274,283],{"item":275},{"id":65,"label":276,"url":277,"provider":278},"C24 Smart","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-smart",{"label":279,"logo":280},"C24 Bank",{"id":281,"filename_download":282},"0630e917-40cc-4574-8128-e302e324ff0d","C24_Logo_130x35.svg",{"item":284},{"id":285,"label":286,"url":287,"provider":288},35,"C24 Plus","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-plus",{"label":279,"logo":289},{"id":281,"filename_download":282},[291,443,525,651,729,808,882,970,1027,1116,1195,1262,1342,1415,1488,1562,1643,1729,1805,1916,2007,2076,2137,2214,2296,2380,2458,2534,2618,2678,2736,2792,2873,2928,3013,3066,3141,3200,3285,3351,3417,3474,3536,3591,3647,3733,3781,3832,3887,3936,3986,4037,4096,4155,4214,4271,4327],{"item":292},{"depot":18,"account_switching_service":17,"branches":17,"cash_in_retail":17,"free_wire":17,"without_schufa":18,"deposit_money":17,"is_free_for_students":44,"same_primary_residence_required":18,"joint_account_possible":17,"giro_interest":18,"wero":17,"free_daily_account_interests":17,"id":293,"app_rating":294,"card_preview":295,"free_sub_accounts":296,"cash_limit_per_month":44,"cash_limit_per_week":297,"cash_limit_per_day":297,"fee_payment_100_euro_countries_description":44,"deposit_money_description":298,"fee_payment_100_non_euro_countries_description":299,"fee_withdrawal_100_non_euro_countries_description":299,"label_description":44,"depot_description":44,"free_sub_accounts_description":300,"branches_description":44,"support_description":44,"custody_fee_description":44,"overdraft_interest_description":301,"contactless_payment_services_description":44,"creditcard_description":302,"debitcard_description":303,"girocard_description":303,"app_rating_android_description":44,"app_rating_ios_description":44,"is_free_for_students_description":44,"same_primary_residence_required_value":44,"same_primary_residence_required_description":44,"account_type_description":44,"joint_account_possible_value":44,"joint_account_possible_description":44,"giro_interest_value":44,"total_costs_description":44,"branches_value":44,"depot_value":44,"additional_callout_description":44,"customer_support_description":44,"tan_method_description":44,"ident_method_description":44,"cash_in_retail_description":44,"free_wire_description":44,"app_rating_description":44,"sustainability_score_description":304,"customer_service_description":44,"real_time_bankwire_description":44,"starting_premium_description":44,"account_maintenance_fee_description":305,"fee_withdrawal_euro_countries_description":44,"fee_withdrawal_non_euro_countries_description":306,"fee_payment_euro_countries_description":44,"fee_payment_non_euro_countries_description":299,"free_withdrawals_per_month_description":307,"fee_withdrawal_100_euro_countries_description":44,"deposit_protection_description":308,"giro_interest_description":44,"wero_description":44,"free_daily_account_interests_description":309,"button_info_description":44,"joint_accounts_card_count_description":310,"child_account_conditions":44,"account_type":44,"customer_support":311,"real_time_bankwire":313,"country":318,"special_features":320,"support":323,"rating_joint_account":324,"starting_premium":44,"free_withdrawals_per_month":325,"student_rating":44,"bank_sustainability_rating":326,"rating_without_schufa":44,"rating":324,"girocard_value":327,"debitcard_value":327,"creditcard_value":328,"custody_fee":44,"fee_payment_100_euro_countries":329,"fee_withdrawal_100_euro_countries":330,"fee_payment_euro_countries":329,"fee_withdrawal_euro_countries":331,"label":332,"price_performance":44,"url":333,"fee_withdrawal_non_euro_countries":334,"fee_withdrawal_100_non_euro_countries":330,"fee_payment_100_non_euro_countries":335,"fee_payment_non_euro_countries":336,"overdraft_interest":337,"account_maintenance_fee":338,"app_rating_ios_value":339,"app_rating_android_value":340,"joint_accounts_card_count":341,"button_info":44,"deposit_protection":342,"status":343,"price_performance_description":44,"real_time_bankwire_value":344,"fee_information":44,"fee_information_description":44,"sustainability_score":345,"app_rating_value":339,"account_fees_with_deposits":338,"account_fees_without_deposits":338,"necessary_deposits":44,"max_amount_free_withdrawals":44,"fixed_fee_withdrawals":230,"percentile_fee_withdrawal":44,"max_fee_withdrawal":44,"min_fee_withdrawal":44,"custom_cta":44,"ident_method_value":44,"tan_method_value":44,"additional_callout":44,"account_type_value":44,"student_account_url":44,"date_created":346,"user_updated":347,"date_updated":348,"user_created":349,"online_banking":350,"contactless_payment_services":366,"atm_network":372,"ident_method":377,"tan_method":388,"joint_account_type_chips":404,"provider":406,"girocard":414,"debitcard":423,"creditcard":433,"app_rating_ios":435,"app_rating_android":439},40,6,102,10,2500,"\u003Cp>\u003Cspan data-sheets-root=\"1\">Kostenpflichtig bei Reisebank, an GLS-Automaten kostenlos\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Es können beliebig viele kostenpflichtige Girokonten (mit eigener IBAN) und kostenlose Tagesgeldkonten (ohne eigene IBAN) eröffnet werden."}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Es können beliebig viele kostenpflichtige Girokonten (je 3,80€\u002FMonat) und kostenlose Tagesgeldkonten eröffnet werden (immer mit dem Girokonto als Referenzkonto).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Ab 10.000€: 9,109%\u003C\u002Fp>","\u003Cp>30€ pro Jahr. Auch eine Visa Card ist möglich.\u003C\u002Fp>","\u003Cp>Girocard Debit-Mastercard ist gleichzeitig eine Mastercard-Debitkarte, unter 18-Jährige kostenlos, für 18- bis 27-Jährige 6€ pro Jahr, sonst 15€ pro Jahr.\u003C\u002Fp>","\u003Cp>🟢 Klimaschutz: 96%\u003C\u002Fp>\n\u003Cp>🟢 Korruption: 98%\u003C\u002Fp>\n\u003Cp>🟢 Gender Equality: 100%\u003C\u002Fp>\n\u003Cp>🟢 Menschenrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Arbeitsrechte: 100%\u003C\u002Fp>\n\u003Cp>🟢 Biodiversität: 95%\u003C\u002Fp>\n\u003Cp>🟢 Steuern: 97%\u003C\u002Fp>","\u003Cp>3,80€ pro Monat plus 60€\u002FJahr GLS-Beitrag. Unter 27 Jahren: Kostenlos plus 12€\u002FJahr. Unter 18 Jahren kostenlos.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (min. 4€) Abhebegebühr zzgl. 1% (min. 0,77€, max. 3,83€) Fremdwährungsgebühr, Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>Bis 100.000€ (gesetzlich, freiwillig unbegrenzt) über die BVR Institutssicherung GmbH (Sicherungseinrichtung des Bundesverbandes der Deutschen Volksbanken und Raiffeisenbanken).\u003C\u002Fp>","\u003Cp>GLS Tagesgeldkonto\u003C\u002Fp>","\u003Cp>Karten sind kostenpflichtig\u003C\u002Fp>",[312],"tel",[314,316],{"label":315,"value":17},"Senden",{"label":317,"value":17},"Empfangen",[319],"germany",[321],{"feature":322,"rating":17},"Girokonto bei einer nachhaltigen Bank",[312],2.33753,"Unbegrenzt",4.04584,"1,25€","2,50€","0€","4€","1% (min. 4€)","GLS 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Auch eine Visa-Kreditkarte möglich.\u003C\u002Fp>","\u003Cp>20€ pro Jahr. 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data-sheets-value=\"{"1":2,"2":"Die ersten 100€ sind kostenlos, danach 2,5% Gebühr."}\" data-sheets-userformat=\"{"2":11075,"3":{"1":0},"4":{"1":3,"3":2},"9":0,"11":3,"12":0,"14":{"1":2,"2":0},"16":10}\">Die ersten 100€ sind kostenlos, danach 2,5% Gebühr.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>25 IBANs inklusive\u003C\u002Fp>","\u003Cp>Eine Kombination von bis zu 3 Debit- oder Kreditkarten von bis zu 3 Karten ist kostenlos enthalten. Zusätzlich sind 25 virtuelle Karten enthalten.\u003C\u002Fp>","\u003Cp>6 Abhebungen p.M. sind kostenlos. Die nächsten 5 Abhebungen kosten 0,99€.\u003Cbr>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Nach der 11. Abhebung kostet es 2,99€ pro Abhebung.\u003C\u002Fp>","\u003Cp>6 Abhebungen pro Monat sind kostenlos. Nächste 5 Abhebungen kosten 0,99€. Danach 2,99 € pro Abhebung.\u003C\u002Fp>","\u003Cp>6 Abhebungen pro Monat sind kostenlos. Nächste 5 Abhebungen kosten 0,99€. Danach 2,99 € pro Abhebung. Wechselkurs: Mastercard-Wechselkurs zzgl. 0,5%\u003C\u002Fp>","\u003Cp>6 Mal kann pro Monat kostenlos an den Mastercard-Geldautomaten abgehoben werden, die nächsten 5 Abhebung kosten 0,99€. 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data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">bis zu 2 Girocards gratis\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1% (mind. 5,98€) Kosten für die Abhebung zzgl. Fremdwährungsgebühr in Höhe von 1% (min. 1,50€ innerhalb der EU, sonst min. 2,50€). 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Selfie","2023-07-24T14:34:47.613Z","2025-12-18T05:35:12.863Z",[1232,1234,1236],{"label":352,"logo":1233},{"id":354,"filename_download":355},{"label":357,"logo":1235},{"id":359,"filename_download":360},{"label":362,"logo":1237},{"id":364,"filename_download":365},[1239,1241],{"label":368,"logo":1240},{"id":370,"filename_download":371},{"label":584,"logo":1242},{"id":586,"filename_download":587},[1244],{"atm_networks_id":1245},{"label":425,"machines_count":597},[],[1248],{"label":395,"image":1249},{"id":397,"filename_download":398},[293],{"label":1252,"tan_method_value":44,"tan_method_description":44,"ident_method_value":1228,"ident_method_description":1203,"customer_support":44,"customer_support_description":44,"app_rating_value":44,"app_rating_description":44,"branches":18,"branches_description":44,"bic":44,"app_rating":44,"logo":1253},"Monese",{"id":1254,"filename_download":1255},"5b162501-d650-41f7-88e3-4f2567bf18b5","monese_Logo_130x35-01.svg",{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":1257},{"id":431,"filename_download":432},{"id":5,"online_banking_id":5,"label":352,"status":343,"date_created":436,"date_updated":437,"user_updated":429,"user_created":419,"logo":1259},{"id":354,"filename_download":355},{"id":109,"online_banking_id":5,"label":357,"status":343,"date_created":440,"date_updated":441,"user_updated":429,"user_created":419,"logo":1261},{"id":359,"filename_download":360},{"item":1263},{"depot":18,"account_switching_service":17,"branches":18,"cash_in_retail":18,"free_wire":17,"without_schufa":18,"deposit_money":17,"is_free_for_students":44,"same_primary_residence_required":18,"joint_account_possible":17,"giro_interest":18,"wero":17,"free_daily_account_interests":17,"id":1264,"app_rating":294,"card_preview":44,"free_sub_accounts":1265,"cash_limit_per_month":44,"cash_limit_per_week":44,"cash_limit_per_day":527,"fee_payment_100_euro_countries_description":44,"deposit_money_description":44,"fee_payment_100_non_euro_countries_description":887,"fee_withdrawal_100_non_euro_countries_description":887,"label_description":44,"depot_description":44,"free_sub_accounts_description":44,"branches_description":44,"support_description":44,"custody_fee_description":44,"overdraft_interest_description":1266,"contactless_payment_services_description":44,"creditcard_description":1267,"debitcard_description":1268,"girocard_description":1268,"app_rating_android_description":44,"app_rating_ios_description":44,"is_free_for_students_description":44,"same_primary_residence_required_value":44,"same_primary_residence_required_description":44,"account_type_description":44,"joint_account_possible_value":44,"joint_account_possible_description":44,"giro_interest_value":44,"total_costs_description":44,"branches_value":1269,"depot_value":1270,"additional_callout_description":44,"customer_support_description":44,"tan_method_description":44,"ident_method_description":44,"cash_in_retail_description":44,"free_wire_description":44,"app_rating_description":44,"sustainability_score_description":44,"customer_service_description":44,"real_time_bankwire_description":44,"starting_premium_description":44,"account_maintenance_fee_description":1271,"fee_withdrawal_euro_countries_description":44,"fee_withdrawal_non_euro_countries_description":1272,"fee_payment_euro_countries_description":44,"fee_payment_non_euro_countries_description":887,"free_withdrawals_per_month_description":1273,"fee_withdrawal_100_euro_countries_description":1274,"deposit_protection_description":1275,"giro_interest_description":44,"wero_description":44,"free_daily_account_interests_description":1276,"button_info_description":44,"joint_accounts_card_count_description":1277,"child_account_conditions":44,"account_type":44,"customer_support":1278,"real_time_bankwire":1279,"country":1282,"special_features":44,"support":1283,"rating_joint_account":1284,"starting_premium":44,"free_withdrawals_per_month":325,"student_rating":44,"bank_sustainability_rating":44,"rating_without_schufa":44,"rating":1284,"girocard_value":329,"debitcard_value":329,"creditcard_value":681,"custody_fee":765,"fee_payment_100_euro_countries":1056,"fee_withdrawal_100_euro_countries":1285,"fee_payment_euro_countries":329,"fee_withdrawal_euro_countries":1286,"label":1287,"price_performance":44,"url":44,"fee_withdrawal_non_euro_countries":1288,"fee_withdrawal_100_non_euro_countries":1289,"fee_payment_100_non_euro_countries":1056,"fee_payment_non_euro_countries":1290,"overdraft_interest":1291,"account_maintenance_fee":1292,"app_rating_ios_value":475,"app_rating_android_value":561,"joint_accounts_card_count":562,"button_info":44,"deposit_protection":342,"status":343,"price_performance_description":44,"real_time_bankwire_value":344,"fee_information":44,"fee_information_description":44,"sustainability_score":44,"app_rating_value":566,"account_fees_with_deposits":1292,"account_fees_without_deposits":1292,"necessary_deposits":44,"max_amount_fr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data-sheets-root=\"1\">Abhängig von der Bonität\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Jährlich 36€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan 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>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>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>",[312,667],[1280,1281],{"label":315,"value":17},{"label":317,"value":17},[319],[312,667],3.32603,"4,95€","1% 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rovider":1402,"girocard":1407,"debitcard":1409,"creditcard":44,"app_rating_ios":1411,"app_rating_android":1413},76,20000,"\u003Cp>1x pro Monat bei teilnehmenden Handelspartnern kostenlos, danach 1,75%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Mit eigener IBAN, darunter ein Tagesgeldkonto"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Mit eigener IBAN, darunter ein Tagesgeldkonto\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Abhängig von der Bonität, bei Gemeinschaftskonten ist kein Dispo möglich.\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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an Postbank-Geldautomaten mit Einzahlfunktion\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard\u002FVisa (Nicht-EWR)\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">3 Pockets im Girokonto pur + Tagesgeldkonto möglich \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Jährlich 29€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Jährlich 18€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos bis Ablauf des Studiums oder für Studenten bis einschließlich 30 Jahre, mit Bescheinigung.\u003C\u002Fp>","\u003Cp>Gemeinschaftskonto kann aktuell nur in einer Filiale eröffnet werden.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Wenn min. 900€ Geldeingang p.M. oder Student, sonst 5,90€ p.M.\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>2% (mind. 10€) Abhebegebühr + 2% (min. 2,50€) Fremdwährungsgebühr + 0,5% Währungsumrechnungsentgelt. Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard\u002FVisa (Nicht-EWR)\u003C\u002Fp>","\u003Cp>2% (min. 2,50€) Fremdwährungsgebühr + 0,5% Währungsumrechnungsentgelt; Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard\u002FVisa (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den 7.000 Cash Group-Geldautomaten abgehoben werden.\u003C\u002Fp>","\u003Cp>Postbank Tagesgeld\u003C\u002Fp>","\u003Cp>Postbank Card (Debitkarte)\u003C\u002Fp>",[312],[1581,1582],{"label":315,"value":17},{"label":317,"value":17},[319],[312],3.74242,2.75173,"2,42€","10€","2% (min. 10€)","Postbank Giro pur","https:\u002F\u002Fwww.postbank.de\u002Fdam\u002Fpostbank\u002Fpdf\u002Fallgemein\u002FPostbank-Preis-und-Leistungsverzeichnis-923-959-000-0423a.pdf","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fpostbank-start","2% (mind. 12,50€) + 0,5%","2% (min. 2,50€) + 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der Sparkassen-Card\u003C\u002Fp>","\u003Cp>Nur bei der Frankfurter Sparkasse (kostenlos) möglich.\u003C\u002Fp>","\u003Cp>mit der Sparkassen-Card; Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Maestro (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Jährlich 36€\u003C\u002Fp>","\u003Cp>Girocard mit V PAY (Sparkassen-Card)\u003C\u002Fp>","\u003Cp>Kostenlose Kontoführung für alle ab monatlich 700€ Geldeingang oder Kontoinhaber:in unter 30 Jahre\u003C\u002Fp>","\u003Cp>150€ Girokonto-Prämie: Du erhältst die Prämie, wenn du bis zum 29.07.2026 ein GiroDirekt-Konto beantragst und es bis zum 12.08.2026 eröffnest. 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Pockets mit eigener IBAN\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Ausstellung einer physischen Karte kostet 19,90€ (1€ bei einer virtuellen Karte). Die monatliche Nutzung einer physischen oder virtuellen Karte ist kostenlos, danach kostet jede weitere Karte 0,99€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenlos, wenn mind. eine Kartenzahlung p.M. oder Gesamtguthaben von mind. 1.000€ am Ende des Monats. Ansonsten 3,90€ p.M.\u003C\u002Fp>","\u003Cp>Shared Space mit bis zu 5 Teilnehmern\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Kontoführung kostenlos, wenn mind. eine aktive Karte und mind. eine Kartenzahlung p.M. oder Gesamtguthaben von mind. 1.000€ am Ende des Monats, sonst 3,90€. p.M.\u003C\u002Fp>","\u003Cp>Kontakt nur über Formular\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Fotoprüfung in der App mit Personalausweis oder Reisepass\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wenn min. eine aktive Karte und min. eine Kartenzahlung p.M. oder Gesamtguthaben von min. 1.000€ am Ende des Monats, sonst 3,90€ p.M.\u003C\u002Fp>","\u003Cp>Maximal 200€ p.M. (min. 50€ pro Abhebung), danach je Abhebung 3% (min. 1€).\u003C\u002Fp>","\u003Cp>1% Fremdwährungsgebühr & zusätzlich für Abhebungen über 200€ p.M. 3% (mind. 1€). Wechselkurs: Visa\u003C\u002Fp>","\u003Cp>Vivid Zinskonto\u003C\u002Fp>","\u003Cp>Debitkarte zum normalen Konto\u003C\u002Fp>",[],[1747,1748],{"label":315,"value":17,"neutral":18},{"label":317,"value":17},[319],[1751],{"feature":1216,"rating":18},[],2.78015,"bis 200€",3.28015,3.42767,"Vivid Standard","https:\u002F\u002Fwww.solarisgroup.com\u002Fcustomer-information\u002Fgermany\u002Fde-iban\u002Fgerman\u002Fannex-prices-for-special-services-in-relation-to-vivid-money-germany-de-iban-german-v1.1.pdf","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fvivid-girokonto","https:\u002F\u002Fwww.solarisgroup.com\u002Fcustomer-information\u002Fgermany\u002Fde-iban\u002Fgerman\u002Ffee-information-vivid-money-standard-account-germany-de-iban-german-v2.3.pdf","3,90€","200","0,00 €","1,00 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am Schalter der HypoVereinsbank\u003C\u002Fp>","\u003Cp>Jährlich 30€\u003C\u002Fp>","\u003Cp>UniCreditCard kostet jährlich 15€.\u003C\u002Fp>","\u003Cp>Girocard kostet jährlich 12€. Die ServiceKarte (eine andere Debitkarte) ist hingegen kostenlos, damit kann Bargeld nur an Geldautomaten der HypoVereinsbank abgehoben werden.\u003C\u002Fp>","\u003Cp>🟡 Klimaschutz: 39%\u003C\u002Fp>\n\u003Cp>🟡 Korruption: 63%\u003C\u002Fp>\n\u003Cp>🟡 Gender Equality: 60%\u003C\u002Fp>\n\u003Cp>🟡 Menschenrechte: 53%\u003C\u002Fp>\n\u003Cp>🟡 Arbeitsrechte: 64%\u003C\u002Fp>\n\u003Cp>🟡  Biodiversität: 41%\u003C\u002Fp>\n\u003Cp>🔴 Steuern: 23%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">An jedem Geldautomaten mit dem Cash Group Logo und europaweit bei allen UniCredit Banken.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann mit der UniCredit Card unbegrenzt kostenlos an den 7.000 Cash Group-Geldautomaten und an UniCredit Group Geldautomaten abgehoben werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan class=\"Yjhzub\">HVB FlexSparen\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Service Card ist kostenlos\u003C\u002Fp>",[312,667],[1819,1820],{"label":315,"value":17},{"label":317,"value":17},[319],[312,667],2.90135,2.35719,"HypoVereinsbank AktivKonto"," https:\u002F\u002Fwww.hypovereinsbank.de\u002Fcontent\u002Fdam\u002Fhypovereinsbank\u002Ffooter\u002FGeschaeftsbedingungen\u002FHVB-Aktuelles-Preis-Leistungs-Verzeichnis.pdf","12,92%","1 kostenlose Karten","https:\u002F\u002Fwww.hypovereinsbank.de\u002Fcontent\u002Fdam\u002Fhypovereinsbank\u002Fshared\u002Fpdf\u002FFID\u002FFID_Akti.pdf","🟠 40 \u002F 100 (schwach)","2023-02-17T08:15:02.487Z","2026-06-29T12:24:22.850Z",[1834,1836,1838],{"label":352,"logo":1835},{"id":354,"filename_download":355},{"label":357,"logo":1837},{"id":359,"filename_download":360},{"label":362,"logo":1839},{"id":364,"filename_download":365},[1841,1843],{"label":368,"logo":1842},{"id":370,"filename_download":371},{"label":584,"logo":1844},{"id":586,"filename_download":587},[1846],{"atm_networks_id":1847},{"label":1080,"machines_count":1081},[1849,1851],{"label":379,"image":1850},{"id":381,"filename_download":382},{"label":600,"image":1852},{"id":602,"filename_download":603},[1854,1856],{"label":395,"image":1855},{"id":397,"filename_download":398},{"label":400,"image":1857},{"id":402,"filename_download":403},[1859],52,{"label":1861,"tan_method_value":44,"tan_method_description":44,"ident_method_value":44,"ident_method_description":44,"customer_support":44,"customer_support_description":44,"app_rating_value":44,"app_rating_description":44,"branches":17,"branches_description":44,"bic":1862,"app_rating":44,"logo":1903},"HypoVereinsbank",[1863,1865,1867,1869,1871,1873,1875,1877,1879,1881,1883,1885,1887,1889,1891,1893,1895,1897,1899,1901],{"bic":1864},"HYVEDEMMXXX",{"bic":1866},"HYVEDEMM300",{"bic":1868},"HYVEDEMM460",{"bic":1870},"HYVEDEMM408",{"bic":1872},"HYVEDEMM488",{"bic":1874},"HYVEDEMM448",{"bic":1876},"HYVEDEMM447",{"bic":1878},"HYVEDEMM483",{"bic":1880},"HYVEDEMM455",{"bic":1882},"HYVEDEMM473",{"bic":1884},"HYVEDEMM433",{"bic":1886},"HYVEDEMM495",{"bic":1888},"HYVEDEMM419",{"bic":1890},"HYVEDEMM417",{"bic":1892},"HYVEDEMM360",{"bic":1894},"HYVEDEMM430",{"bic":1896},"HYVEDEMM453",{"bic":1898},"HYVEDEMM405",{"bic":1900},"HYVEDEMM406",{"bic":1902},"HYVEDEMM480",{"id":1904,"filename_download":1905},"4f02e5eb-10e9-4c2e-a713-62174e891295","Hypovereinsbank_Logo_130x35.svg",{"id":70,"description":44,"label":415,"date_updated":416,"date_created":417,"user_updated":418,"user_created":419,"logo":1907},{"id":421,"filename_download":422},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":1909},{"id":431,"filename_download":432},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":1911},{"id":431,"filename_download":432},{"id":5,"online_banking_id":5,"label":352,"status":343,"date_created":436,"date_updated":437,"user_updated":429,"user_created":419,"logo":1913},{"id":354,"filename_download":355},{"id":109,"online_banking_id":5,"label":357,"status":343,"date_created":440,"date_updated":441,"user_updated":429,"user_created":419,"logo":1915},{"id":359,"filename_download":360},{"item":1917},{"depot":17,"account_switching_service":17,"branches":18,"cash_in_retail":17,"free_wire":17,"without_schufa":18,"deposit_money":17,"is_free_for_students":44,"same_primary_residence_required":18,"joint_account_possible":17,"giro_interest":18,"wero":17,"free_daily_account_interests":17,"id":1712,"app_rating":294,"card_preview":1918,"free_sub_accounts":1265,"cash_limit_per_month":44,"cash_limit_per_week":44,"cash_limit_per_day":1919,"fee_payment_100_euro_countries_description":44,"deposit_money_description":1920,"fee_payment_100_non_euro_countries_description":1921,"fee_withdrawal_100_non_euro_countries_description":1921,"label_description":44,"depot_description":44,"free_sub_accounts_description":44,"branches_description":44,"support_description":44,"custody_fee_description":44,"overdraft_interest_description":44,"contactless_payment_services_description":44,"creditcard_description":1922,"debitcard_description":1923,"girocard_description":1422,"app_rating_android_description":44,"app_rating_ios_description":44,"is_free_for_students_description":44,"same_primary_residence_required_value":44,"same_primary_residence_required_description":44,"account_type_description":44,"joint_account_possible_value":44,"joint_account_possible_description":44,"giro_interest_value":44,"total_costs_description":44,"branches_value":1924,"depot_value":44,"additional_callout_description":1925,"customer_support_description":44,"tan_method_description":44,"ident_method_description":44,"cash_in_retail_description":44,"free_wire_description":44,"app_rating_description":44,"sustainability_score_description":44,"customer_service_description":44,"real_time_bankwire_description":44,"starting_premium_description":1926,"account_maintenance_fee_description":44,"fee_withdrawal_euro_countries_description":1927,"fee_withdrawal_non_euro_countries_description":1928,"fee_payment_euro_countries_description":44,"fee_payment_non_euro_countries_description":1921,"free_withdrawals_per_month_description":1929,"fee_withdrawal_100_euro_countries_description":1927,"deposit_protection_description":308,"giro_interest_description":44,"wero_description":44,"free_daily_account_interests_description":1930,"button_info_description":44,"joint_accounts_card_count_description":1931,"child_account_conditions":44,"account_type":44,"custo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data-sheets-root=\"1\">Kostenlos an Volksbank-Automaten\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Eine Kreditkarte ist im Kontomodell inklusive. Jede weitere Kreditkarte kostet 30€ jährlich.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Die Girocard Debit-Mastercard ist gleichzeitig eine 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>Es kann unbegrenzt kostenlos an den 17.300 Bankcard-Geldautomaten und eigenen Volksbank-Automaten abgehoben werden.\u003C\u002Fp>","\u003Cp>Berliner Volksbank Tagesgeld\u003C\u002Fp>","\u003Cp>Girocard (gleichzeitig Debitkarte)\u003C\u002Fp>",[312,667],[1934,1935],{"label":315,"value":17},{"label":317,"value":17},[319],[312,667],3.62007,"200€","Berliner Volksbank Girokonto","https:\u002F\u002Fwww.berliner-volksbank.de\u002Fcontent\u002Fdam\u002Ff0120-0\u002Fwebn\u002Fdokumente\u002Fservice\u002Fagb-und-sonderbedingungen\u002Fpreisverzeichnis.pdf","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fberliner-volksbank-girokonto","1% (mind. 7,50€) + 1,8%","1,80€","1,8% ","11,954%","3,95€","https:\u002F\u002Fwww.berliner-volksbank.de\u002Fservice\u002Fpflichtinformationen\u002Fentgeltinformationen.html","200€ Bonus","2023-09-06T09:30:57.839Z","2026-06-19T07:28:58.302Z",[1953,1955,1957],{"label":352,"logo":1954},{"id":354,"filename_download":355},{"label":357,"logo":1956},{"id":359,"filename_download":360},{"label":362,"logo":1958},{"id":364,"filename_download":365},[1960,1962,1964,1966],{"label":368,"logo":1961},{"id":370,"filename_download":371},{"label":490,"logo":1963},{"id":492,"filename_download":493},{"label":584,"logo":1965},{"id":586,"filename_download":587},{"label":589,"logo":1967},{"id":591,"filename_download":592},[1969],{"atm_networks_id":1970},{"label":375,"machines_count":376},[1972,1974,1976],{"label":379,"image":1973},{"id":381,"filename_download":382},{"label":384,"image":1975},{"id":386,"filename_download":387},{"label":600,"image":1977},{"id":602,"filename_download":603},[1979,1981,1983,1985],{"label":610,"image":1980},{"id":612,"filename_download":613},{"label":390,"image":1982},{"id":392,"filename_download":393},{"label":395,"image":1984},{"id":397,"filename_download":398},{"label":400,"image":1986},{"id":402,"filename_download":403},[1988],43,{"label":1990,"tan_method_value":44,"tan_method_description":44,"ident_method_value":44,"ident_method_description":44,"customer_support":44,"customer_support_description":44,"app_rating_value":44,"app_rating_description":44,"branches":18,"branches_description":44,"bic":1991,"app_rating":44,"logo":1994},"Berliner 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volksbank_Logo_130x35.svg",{"id":70,"description":44,"label":415,"date_updated":416,"date_created":417,"user_updated":418,"user_created":419,"logo":1998},{"id":421,"filename_download":422},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":2000},{"id":431,"filename_download":432},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":2002},{"id":431,"filename_download":432},{"id":5,"online_banking_id":5,"label":352,"status":343,"date_created":436,"date_updated":437,"user_updated":429,"user_created":419,"logo":2004},{"id":354,"filename_download":355},{"id":109,"online_banking_id":5,"label":357,"status":343,"date_created":440,"date_updated":441,"user_updated":429,"user_created":419,"logo":2006},{"id":359,"filename_download":360},{"item":2008},{"depot":17,"account_switching_service":17,"branches":17,"cash_in_retail":17,"free_wire":17,"without_schufa":44,"deposit_money":17,"is_free_for_students":44,"same_primary_residence_required":18,"joint_account_possible":18,"giro_interest":18,"wero":18,"free_daily_account_interests":17,"id":2009,"app_rating":294,"card_preview":2010,"free_sub_accounts":5,"cash_limit_per_month":44,"cash_limit_per_week":1919,"cash_limit_per_day":1345,"fee_payment_100_euro_countries_description":44,"deposit_money_description":1030,"fee_payment_100_non_euro_countries_description":2011,"fee_withdrawal_100_non_euro_countries_description":1032,"label_description":44,"depot_description":44,"free_sub_accounts_description":530,"branches_description":44,"support_description":44,"custody_fee_description":44,"overdraft_interest_description":44,"contactless_payment_services_description":44,"creditcard_description":2012,"debitcard_description":2013,"girocard_description":44,"app_rating_android_description":44,"app_rating_ios_description":44,"is_free_for_students_description":44,"same_primary_residence_required_value":44,"same_primary_residence_required_description":44,"account_type_description":44,"joint_account_possible_value":44,"joint_account_possible_description":44,"giro_interest_value":44,"total_costs_description":44,"branches_value":44,"depot_value":44,"additional_callout_description":2014,"customer_support_description":44,"tan_method_description":44,"ident_method_description":44,"cash_in_retail_description":44,"free_wire_description":44,"app_rating_description":44,"sustainability_score_description":535,"customer_service_description":44,"real_time_bankwire_description":44,"starting_premium_description":2015,"account_maintenance_fee_description":2016,"fee_withdrawal_euro_countries_description":44,"fee_withdrawal_non_euro_countries_description":1036,"fee_payment_euro_countries_description":44,"fee_payment_non_euro_countries_description":2017,"free_withdrawals_per_month_description":1037,"fee_withdrawal_100_euro_countries_description":44,"deposit_protection_description":541,"giro_interest_description":44,"wero_description":44,"free_daily_account_interests_description":1038,"button_info_description":44,"joint_accounts_card_count_description":1039,"child_account_conditions":44,"account_type":44,"customer_support":2018,"real_time_bankwire":2019,"country":2022,"special_features":44,"support":2023,"rating_joint_account":44,"starting_premium":2024,"free_withdrawals_per_month":325,"student_rating":44,"bank_sustainability_rating":2025,"rating_without_schufa":44,"rating":2026,"girocard_value":329,"debitcard_value":1048,"creditcard_value":1049,"custody_fee":44,"fee_payment_100_euro_countries":329,"fee_withdrawal_100_euro_countries":1050,"fee_payment_euro_countries":329,"fee_withdrawal_euro_countries":1051,"label":2027,"price_performance":1053,"url":1054,"fee_withdrawal_non_euro_countries":1055,"fee_withdrawal_100_non_euro_countries":1050,"fee_payment_100_non_euro_countries":328,"fee_payment_non_euro_countries":1057,"overdraft_interest":1058,"account_maintenance_fee":568,"app_rating_ios_value":340,"app_rating_android_value":475,"joint_accounts_card_count":562,"button_info":44,"deposit_protection":342,"status":343,"price_performance_description":563,"real_time_bankwire_value":344,"fee_information":2028,"fee_information_description":213,"sustainability_score":565,"app_rating_value":340,"account_fees_with_deposits":568,"account_fees_without_deposits":568,"necessary_deposits":44,"max_amount_free_withdrawals":44,"fixed_fee_withdrawals":230,"percentile_fee_withdrawal":44,"max_fee_withdrawal":44,"min_fee_withdrawal":44,"custom_cta":44,"ident_method_value":44,"tan_method_value":44,"additional_callout":2029,"account_type_value":44,"student_account_url":44,"date_created":2030,"user_updated":347,"date_updated":2031,"user_created":695,"online_banking":2032,"contactless_payment_services":2039,"atm_network":2046,"ident_method":2049,"tan_method":2054,"joint_account_type_chips":2059,"provider":2060,"girocard":2066,"debitcard":2068,"creditcard":2070,"app_rating_ios":2072,"app_rating_android":2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der EU 1,50€, sonst 2,50€. Wechselkurs: Euro-Referenzwechselkurs der EZB zzgl. 0,59% (EWR) und Devisengeldkurs (Nicht-EWR)\u003C\u002Fp>","\u003Cp>Jährlich 39,90€\u003C\u002Fp>","\u003Cp>Physische Debit Mastercard mtl. 3,50€, virtuelle 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. 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Wechselkurs: Visa\u003C\u002Fp>","\u003Cp>10,20% bis 500,00€, 11,20% ab 500,01€ bis 1.000,00€, 13,45% ab 1.000,01€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">BestCard Smart kostenlos im ersten Jahr. Ab dem zweiten Jahr muss ein Umsatz von 2.000€ vorliegen, sonst 24€. Andere Kreditkarten kostenpflichtig\u003C\u002Fspan>.\u003C\u002Fp>","\u003Cp>Jährlich 12€\u003C\u002Fp>","\u003Cp>Keine Kontoführungsgebühr für Studenten von 18 bis 31 Jahren.\u003C\u002Fp>","\u003Cp>Mit der Visa-Debitkarte 6x p.M. kostenlos, dann 3,5 % (mind. 5,75 €). Mit der Visa-Debit grundsätzlich 4,95€. 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Zusätzlich können Kontoinhaber eine Kreditkarte zum Girokonto beantragen.\u003C\u002Fp>",[312],[2230,2231],{"label":315,"value":17},{"label":317,"value":17},[319],[312],4.59574,"Santander BestGiro","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fpreise-leistungen\u002Fpreisverzeichnis.pdf","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fsantander-girokonto","10,20% bis 13,45%","4,2 \u002F 5","2 kostenlose Karten; kann nur in Filiale eröffnet werden","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fzkg\u002Fbestgiro-entgeltinformation.pdf","oder in 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data-sheets-value=\"{"1":2,"2":"am Schalter und am Automat"}\" data-sheets-userformat=\"{"2":14851,"3":{"1":0},"4":{"1":2,"2":16777215},"12":0,"14":{"1":2,"2":2039583},"15":"\\"Google Sans\\", Roboto, sans-serif","16":10}\">am Schalter und am Automat\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Zzgl. 0,30% auf den letzten verfügbaren Euro-Referenzwechselkurs der Europäischen Zentralbank (Währungsumrechnungsentgelt).\u003C\u002Fp>","\u003Cp>mit der kostenpflichtigen Girocard V Pay; Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>\u003Cspan 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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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>","\u003Cp>NFC-Funktion kostet 10€ für 4 Jahre. 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data-sheets-root=\"1\">Laut Revolut fallen weitere Gebühren an, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind. 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Die BforZen Karte kostet 5€ p.M.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Chat in der App\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann eine Inaktivitäts- bzw. Kartengebühr anfallen, wenn mit der BforBasic Karte nicht einmal pro Monat bezahlt oder abgehoben wird. In diesem Fall entsteht eine Gebühr in Höhe von 2€. Wer die BforZen Karte für monatlich 5€ auswählt, kann sie beliebig häufig nutzen, ohne dass ggf. Kosten entstehen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">3 kostenlose Abhebungen mit der BforBasic Karte in der Eurozone, danach je 1€. Mit der BforZen Karte unbegrenzt kostenlos in der Eurozone.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Die ersten 3 Abhebungen mit der BforBasic Karte kosten 1,95%, danach 1€ + 1,95%. 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data-sheets-root=\"1\">9,50€ je angefangene 5.000€ bei der Reisebank\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mastercard Kreditkarte aus Holz jährlich 49€. Kreditkarte aus Holz in den ersten 12 Monaten kostenfrei, danach 49€ Jahresgebühr mit möglicher umsatzabhängiger Rückerstattung: Jahresumsatz ab 2.500€: 20€ Rückerstattung, Jahresumsatz ab 7.500€: 30€ Rückerstattung.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Physische Girocard Debit Mastercard kostet jährlich 9€. Die Girocard ist gleichzeitig auch eine Mastercard-Debitkarte. Girocard Debit Mastercard bis zum 31.12.2026 für Neueröffnungen kostenfrei, danach 9€ Jahresgebühr.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Physische Girocard Debit Mastercard kostet jährlich 9€. Die Girocard ist gleichzeitig auch eine Mastercard-Debitkarte. Girocard Debit Mastercard bis zum 31.12.2026 für Neueröffnungen kostenfrei, danach 9€ Jahresgebühr. Die virtuelle Girocard ist kostenlos.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>100€ Bonus an den Kunden zzgl. 50€ Spende an den NABU. Voraussetzung: Zustimmung zu Werbeeinwilligungen, Datennutzung und mind. einem Gehalts- bzw. Renteneingang in den ersten 3 Monaten nach Kontoeröffnung. Zudem Kontoführung in den ersten 12 Monaten kostenlos, danach 4,90€ monatlich. Girocard Debit Mastercard bis zum 31.12.2026 für Neueröffnungen kostenfrei, danach 9€ Jahresgebühr. Kreditkarte aus Holz in den ersten 12 Monaten kostenfrei, danach 49€ Jahresgebühr.\u003C\u002Fp>","100€ Bonus an den Kunden zzgl. 50€ Spende an den NABU. Voraussetzung: Zustimmung zu Werbeeinwilligungen, Datennutzung und mind. einem Gehalts- bzw. Renteneingang in den ersten 3 Monaten nach Kontoeröffnung. Zudem Kontoführung in den ersten 12 Monaten kostenlos, danach 4,90€ monatlich. Girocard Debit Mastercard bis zum 31.12.2026 für Neueröffnungen kostenfrei, danach 9€ Jahresgebühr. 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Wechselkurs: Euro-Referenzwechselkurs der EZB\u003C\u002Fp>","\u003Cp>Wechselkurs: Euro-Referenzwechselkurs\u003C\u002Fp>","\u003Cp>Abhebungen bei Mastercard-Geldautomaten kosten 1% (min. 4€).\u003C\u002Fp>","\u003Cp>UmweltFlexkonto\u003C\u002Fp>",[312],[4343,4344],{"label":315,"value":17},{"label":317,"value":17},[319],[4347],{"feature":4348,"rating":17},"Nachhaltige Bank",2.2276,"0,75€","4,08€","UmweltGiro","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fumweltbank-girokonto","1% (min. 4€) + 1,5%","1,50%","9,027%","2025-10-08T15:00:36.857Z","2026-06-09T11:10:13.828Z",[4360,4362,4364],{"label":352,"logo":4361},{"id":354,"filename_download":355},{"label":357,"logo":4363},{"id":359,"filename_download":360},{"label":362,"logo":4365},{"id":364,"filename_download":365},[4367,4369],{"label":368,"logo":4368},{"id":370,"filename_download":371},{"label":4370,"logo":4371},"Digitales Bezahlen",{"id":4372,"filename_download":4373},"b0269b11-4062-4950-943e-6c93b24b15ab","App Digitales Bezahlen.png",[4375],{"atm_networks_id":4376},{"label":425,"machines_count":597},[4378,4380,4382],{"label":379,"image":4379},{"id":381,"filename_download":382},{"label":384,"image":4381},{"id":386,"filename_download":387},{"label":600,"image":4383},{"id":602,"filename_download":603},[4385],{"label":395,"image":4386},{"id":397,"filename_download":398},[],{"label":4389,"tan_method_value":44,"tan_method_description":44,"ident_method_value":44,"ident_method_description":44,"customer_support":4390,"customer_support_description":44,"app_rating_value":339,"app_rating_description":44,"branches":18,"branches_description":44,"bic":44,"app_rating":44,"logo":4391},"Umweltbank",[312],{"id":4392,"filename_download":4393},"3d3ea91a-c625-4c73-9f98-08f6d0fdf0d6","UmweltBank-Logo_QUER_mit_CLAIM_mit-Schutzzone_1400x500.png",{"id":70,"description":44,"label":415,"date_updated":416,"date_created":417,"user_updated":418,"user_created":419,"logo":4395},{"id":421,"filename_download":422},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":4397},{"id":431,"filename_download":432},{"id":424,"description":44,"label":425,"date_updated":426,"date_created":427,"user_updated":428,"user_created":429,"logo":4399},{"id":431,"filename_download":432},{"id":5,"online_banking_id":5,"label":352,"status":343,"date_created":436,"date_updated":437,"user_updated":429,"user_created":419,"logo":4401},{"id":354,"filename_download":355},{"id":109,"online_banking_id":5,"label":357,"status":343,"date_created":440,"date_updated":441,"user_updated":429,"user_created":419,"logo":4403},{"id":359,"filename_download":360},{"blocks":4405,"breadcrumbs":5124,"id":5130,"seo":5131,"slug":6,"title":5135,"vgWortUrl":5147},[4406,4415,4423,4435,4441,4447,4453,4459,4471,4477,4483,4489,4495,4502,4508,4514,4520,4526,4532,4538,4544,4550,4556,4562,4568,4574,4580,4592,4598,4604,4610,4616,4622,4628,4634,4640,4646,4652,4658,4663,4669,4675,4681,4689,4695,4701,4707,4713,4719,4725,4731,4737,4743,4749,4755,4761,4767,4773,4782,4788,4794,4800,4806,4812,4818,4824,4830,4836,4842,4848,4854,4860,4866,4872,4882,4888,4894,4900,4906,4912,4918,4924,4930,4936,4942,4948,4954,4960,4966,4972,4978,4984,4990,4996,5002,5008,5014,5020,5026,5032,5038,5044,5053,5059,5065,5071,5081,5087,5094,5100,5106,5112],{"innerBlocks":4407,"name":4408,"postId":4409,"originalContent":4410,"order":1265,"get_parent":4411,"attributes":4412,"dynamicContent":44},[],"core\u002Fheading",3052180,"\u003Ch2 id=\"was-ist-ein-girokonto\">Was ist ein Girokonto?\u003C\u002Fh2>",{},{"content":4413,"level":109,"anchor":4414},"Was ist ein Girokonto?","was-ist-ein-girokonto",{"innerBlocks":4416,"name":4417,"postId":4409,"originalContent":4418,"get_parent":4419,"attributes":4420,"dynamicContent":44},[],"core\u002Fparagraph","\u003Cp>Das Girokonto ist dein virtueller Geldbeutel. Dein Arbeitgeber überweist dir darauf deinen Lohn. Davon kannst du dann Rechnungen begleichen, mit der Karte zahlen oder Bargeld ziehen. Deine Bank kann dir außerdem einen \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Fdispokredit\u002F\">Dispokredit\u003C\u002Fa> oder kurz Dispo direkt auf dem Konto einrichten. So bleibst du bis zum nächsten Gehaltseingang flexibel. Die Bank sorgt dafür, dass deine Zahlungsflüsse störungsfrei ablaufen: Sie führt Überweisungen für dich aus und schreibt deinem Girokonto Geldeingänge gut.\u003C\u002Fp>",{},{"content":4421,"dropCap":18,"anchor":4422},"Das Girokonto ist dein virtueller Geldbeutel. Dein Arbeitgeber überweist dir darauf deinen Lohn. Davon kannst du dann Rechnungen begleichen, mit der Karte zahlen oder Bargeld ziehen. Deine Bank kann dir außerdem einen \u003Ca href=\"\u002Fbanking\u002Fdispokredit\u002F\" class=\"app-link\">Dispokredit\u003C\u002Fa> oder kurz Dispo direkt auf dem Konto einrichten. So bleibst du bis zum nächsten Gehaltseingang flexibel. Die Bank sorgt dafür, dass deine Zahlungsflüsse störungsfrei ablaufen: Sie führt Überweisungen für dich aus und schreibt deinem Girokonto Geldeingänge gut.","",{"innerBlocks":4424,"name":4425,"postId":4409,"originalContent":4426,"get_parent":4427,"attributes":4428},[],"core\u002Fimage","\u003Cfigure class=\"wp-block-image size-large\">\u003Ca href=\"https:\u002F\u002Fwww.google.com\u002F\">\u003Cimg src=\"https:\u002F\u002Fstaging-content.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F09\u002Fportrait-hippopotamus-in-the-water-1024x683.jpg\" alt=\"ein hippo\" class=\"wp-image-3053575\"\u002F>\u003C\u002Fa>\u003C\u002Ffigure>",{},{"url":4429,"alt":4430,"caption":4422,"title":4422,"href":4431,"rel":4422,"linkClass":4422,"linkTarget":4422,"anchor":4422,"id":4432,"sizeSlug":4433,"linkDestination":4434},"https:\u002F\u002Fstaging-content.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F09\u002Fportrait-hippopotamus-in-the-water-1024x683.jpg","ein hippo","https:\u002F\u002Fwww.google.com\u002F",3053575,"large","custom",{"innerBlocks":4436,"name":4408,"postId":4409,"originalContent":4437,"get_parent":4438,"attributes":4439,"dynamicContent":44},[],"\u003Ch2>Konten im Test\u003C\u002Fh2>",{},{"content":4440,"level":109,"anchor":4422},"Konten im Test",{"innerBlocks":4442,"name":4417,"postId":4409,"originalContent":4443,"get_parent":4444,"attributes":4445,"dynamicContent":44},[],"\u003Cp>Immer weniger Rechnungen werden bar bezahlt. Manchmal ist eine Barzahlung auch gar nicht möglich. So ist die Lohntüte schon seit Jahrzehnten nicht mehr geläufig. Um ein Girokonto kommst du also nicht herum. Viele bekommen schon als Kind ein Konto von Ihren Eltern. Doch ist dein aktuelles Konto schon das beste? Wahrscheinlich nicht. Finde heraus, welches Girokonto dir wirklich die besten Konditionen bietet: mit unserem Vergleich.\u003C\u002Fp>",{},{"content":4446,"dropCap":18,"anchor":4422},"Immer weniger Rechnungen werden bar bezahlt. Manchmal ist eine Barzahlung auch gar nicht möglich. So ist die Lohntüte schon seit Jahrzehnten nicht mehr geläufig. Um ein Girokonto kommst du also nicht herum. Viele bekommen schon als Kind ein Konto von Ihren Eltern. Doch ist dein aktuelles Konto schon das beste? Wahrscheinlich nicht. Finde heraus, welches Girokonto dir wirklich die besten Konditionen bietet: mit unserem Vergleich.",{"innerBlocks":4448,"name":4408,"postId":4409,"originalContent":4449,"get_parent":4450,"attributes":4451,"dynamicContent":44},[],"\u003Ch3>Wie funktioniert unser Girokonto-Vergleich?\u003C\u002Fh3>",{},{"content":4452,"level":65,"anchor":4422},"Wie funktioniert unser Girokonto-Vergleich?",{"innerBlocks":4454,"name":4417,"postId":4409,"originalContent":4455,"get_parent":4456,"attributes":4457,"dynamicContent":44},[],"\u003Cp>Mit unserem Vergleich kommst du in Rekordzeit zu deinem passenden Girokonto. Die Konditionen der Konten werden dir übersichtlich dargestellt. Zur besseren Orientierung ordnen wir die Girokonten nach unserer Bewertung. Du erkennst auf einen Blick:\u003C\u002Fp>",{},{"content":4458,"dropCap":18,"anchor":4422},"Mit unserem Vergleich kommst du in Rekordzeit zu deinem passenden Girokonto. Die Konditionen der Konten werden dir übersichtlich dargestellt. Zur besseren Orientierung ordnen wir die Girokonten nach unserer Bewertung. Du erkennst auf einen Blick:",{"innerBlocks":4460,"name":4461,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":4462,"attributes":4463},[],"acf\u002Ficon-list",{},{"name":4461,"data":4464},{"icon_list_0_icon_list_description":4465,"icon_list_0_icon_list_icon":4466,"icon_list_1_icon_list_description":4467,"icon_list_1_icon_list_icon":4466,"icon_list_2_icon_list_description":4468,"icon_list_2_icon_list_icon":4466,"icon_list_3_icon_list_description":4469,"icon_list_3_icon_list_icon":4466,"icon_list_4_icon_list_description":4470,"icon_list_4_icon_list_icon":4466,"icon_list":733},"Welche Gesamtbewertung das jeweilige Konto hat.","checked","Wie hoch die Kontoführungsgebühr ist.","Welche Bankkarten angeboten werden und zu welchem Preis.","Wie hoch der Dispozins ausfällt.","Welche Aktionen und Prämien die Bank anbietet.",{"innerBlocks":4472,"name":4417,"postId":4409,"originalContent":4473,"get_parent":4474,"attributes":4475,"dynamicContent":44},[],"\u003Cp>Hast du dich für ein passendes Konto entschieden, kommst du mit dem Button „zum Anbieter“ direkt zur Bank. Hier beantragst du dein Konto. Je nach Institut dauert die Eröffnung weniger als eine halbe Stunde.\u003C\u002Fp>",{},{"content":4476,"dropCap":18,"anchor":4422},"Hast du dich für ein passendes Konto entschieden, kommst du mit dem Button „zum Anbieter“ direkt zur Bank. Hier beantragst du dein Konto. Je nach Institut dauert die Eröffnung weniger als eine halbe Stunde.",{"innerBlocks":4478,"name":4417,"postId":4409,"originalContent":4479,"get_parent":4480,"attributes":4481,"dynamicContent":44},[],"\u003Cp>Du möchtest wissen, wie wir die Punkte in unserem Vergleich vergeben? In \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\">unserer Übersicht\u003C\u002Fa> schlüsseln wir die Kriterien auf.\u003C\u002Fp>",{},{"content":4482,"dropCap":18,"anchor":4422},"Du möchtest wissen, wie wir die Punkte in unserem Vergleich vergeben? In \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" class=\"app-link\">unserer Übersicht\u003C\u002Fa> schlüsseln wir die Kriterien auf.",{"innerBlocks":4484,"name":4408,"postId":4409,"originalContent":4485,"get_parent":4486,"attributes":4487,"dynamicContent":44},[],"\u003Ch3>Worauf kommt es beim Konto an?\u003C\u002Fh3>",{},{"content":4488,"level":65,"anchor":4422},"Worauf kommt es beim Konto an?",{"innerBlocks":4490,"name":4417,"postId":4409,"originalContent":4491,"get_parent":4492,"attributes":4493,"dynamicContent":44},[],"\u003Cp>Das beste Konto ist das, das zu deinem Leben passt. Doch worin zeigt sich diese Passgenauigkeit eigentlich? Hier die wichtigsten Kriterien, in denen sich Girokonten unterscheiden:\u003C\u002Fp>",{},{"content":4494,"dropCap":18,"anchor":4422},"Das beste Konto ist das, das zu deinem Leben passt. Doch worin zeigt sich diese Passgenauigkeit eigentlich? Hier die wichtigsten Kriterien, in denen sich Girokonten unterscheiden:",{"innerBlocks":4496,"name":4497,"postId":4409,"originalContent":4498,"get_parent":4499,"attributes":4500,"dynamicContent":44},[],"core\u002Flist","\u003Cul>\u003Cli>\u003Cstrong>Filial- vs. Direktbank\u003C\u002Fstrong>: Du magst den persönlichen Kontakt und legst Wert auf deinen vertrauten Bankberater? Dann ist die Filialbank das Richtige für dich. Erledigst du alle deine Finanzgeschäfte ohne Beratung selbst im Internet, profitierst du von einer Direktbank. Lies dir auch in unserem Banking-Handbuch durch, ob eine \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Ffilialbank-oder-direktbank\u002F\">Filialbank oder Direktbank\u003C\u002Fa> das Richtige für dich ist.\u003C\u002Fli>\u003Cli>\u003Cstrong>Gebühren\u002FKosten\u003C\u002Fstrong>: Das beste Konto kostet dich nichts. Achte bei der Auswahl nicht nur auf die Kontoführungsgebühr, sondern auch auf weitere Kosten. Häufig sind zusätzliche Bankkarten kostenpflichtig. In seltenen Fällen verlangen Banken Gebühren für Überweisungen und Lastschriften.\u003C\u002Fli>\u003Cli>\u003Cstrong>Haben-\u002FSollzins\u003C\u002Fstrong>: Fast keine Bank zahlt dir einen Zins für das Guthaben auf dem Girokonto. Bei diesen wenigen Banken ist dieser Zins oft so niedrig, dass du die Habenzinsen vernachlässigen kannst. Wichtiger ist der Sollzins auf den Dispo. Je weniger du für deinen finanziellen Spielraum zahlen musst, desto besser.\u003C\u002Fli>\u003Cli>\u003Cstrong>Verwahrentgelt:\u003C\u002Fstrong> Einige Banken verlangen für höhere Guthaben, z.B. oberhalb von 100.000€, ein Verwahrentgelt. Dies ist im Prinzip ein Negativzins auf die Bankeinlagen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Bankkarte\u003C\u002Fstrong>: Egal, ob Girocard, Debit-Kreditkarte oder Kreditkarte: Eine Jahresgebühr für deine Bankkarte muss nicht sein. Einige Anbieter geben sie dir gratis zum Konto dazu. Zunehmend werden Debit-Kreditkarten anstatt der \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Fgirocard\u002F\">Girocard\u003C\u002Fa> ausgeben.\u003C\u002Fli>\u003Cli>\u003Cstrong>Kostenlos Bargeld abheben im In- und Ausland\u003C\u002Fstrong>: Die Deutschen sind Europameister im Barzahlen. Legst auch du Wert auf Münzen und Scheine, solltest du die Kosten für Barabhebungen im Auge behalten. Die Palette reicht von unbegrenzt vielen Gratis-Abhebungen bis zur Gebühr für jede einzelne Barverfügung.\u003C\u002Fli>\u003Cli>\u003Cstrong>Echtzeitüberweisungen:\u003C\u002Fstrong> Echtzeitüberweisungen werden von immer mehr Banken angeboten. Das Geld landet dann innerhalb von Sekunden auf dem Konto des Empfängers. Leider führen aber auch zunehmend mehr Banken Gebühren für Echtzeitüberweisungen ein.\u003C\u002Fli>\u003Cli>\u003Cstrong>Prämien & Boni\u003C\u002Fstrong>: Neukunden- und Weiterempfehlungsprämien sind ein schönes Extra. Werden sie angeboten, solltest du sie auf jeden Fall mitnehmen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Schufa Score\u003C\u002Fstrong>: Wenn du negative Einträge in der \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fkredit\u002Fwas-macht-die-schufa\u002F\">Schufa\u003C\u002Fa> hast, benötigst du womöglich ein Basis- oder P-Konto. Ob du vielleicht doch ein normales Konto eröffnen kannst, erfährst du bei deiner Wunsch-Bank.\u003C\u002Fli>\u003Cli>\u003Cstrong>Konto für Selbstständige\u003C\u002Fstrong>: Die meisten Kontoangebote richten sich an Angestellte. Geschäftliche Einnahmen darfst du nicht auf ihnen verbuchen. Mit etwas Fleiß findest du jedoch auch Konten und sogar spezielle Banken für deine Selbstständigkeit.\u003C\u002Fli>\u003Cli>\u003Cstrong>Konto für junge Leute\u003C\u002Fstrong>: Für Studenten, Schüler und Azubis haben die meisten Geldhäuser ganz besondere Angebote. Lasse dich von den Sonderkonditionen begeistern.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":18,"values":4501,"anchor":4422},"\u003Cli>\n\u003Cstrong>Filial- vs. Direktbank\u003C\u002Fstrong>: Du magst den persönlichen Kontakt und legst Wert auf deinen vertrauten Bankberater? Dann ist die Filialbank das Richtige für dich. Erledigst du alle deine Finanzgeschäfte ohne Beratung selbst im Internet, profitierst du von einer Direktbank. Lies dir auch in unserem Banking-Handbuch durch, ob eine \u003Ca href=\"\u002Fbanking\u002Ffilialbank-oder-direktbank\u002F\" class=\"app-link\">Filialbank oder Direktbank\u003C\u002Fa> das Richtige für dich ist.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Gebühren\u002FKosten\u003C\u002Fstrong>: Das beste Konto kostet dich nichts. Achte bei der Auswahl nicht nur auf die Kontoführungsgebühr, sondern auch auf weitere Kosten. Häufig sind zusätzliche Bankkarten kostenpflichtig. In seltenen Fällen verlangen Banken Gebühren für Überweisungen und Lastschriften.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Haben-\u002FSollzins\u003C\u002Fstrong>: Fast keine Bank zahlt dir einen Zins für das Guthaben auf dem Girokonto. Bei diesen wenigen Banken ist dieser Zins oft so niedrig, dass du die Habenzinsen vernachlässigen kannst. Wichtiger ist der Sollzins auf den Dispo. Je weniger du für deinen finanziellen Spielraum zahlen musst, desto besser.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Verwahrentgelt:\u003C\u002Fstrong> Einige Banken verlangen für höhere Guthaben, z.B. oberhalb von 100.000€, ein Verwahrentgelt. Dies ist im Prinzip ein Negativzins auf die Bankeinlagen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Bankkarte\u003C\u002Fstrong>: Egal, ob Girocard, Debit-Kreditkarte oder Kreditkarte: Eine Jahresgebühr für deine Bankkarte muss nicht sein. Einige Anbieter geben sie dir gratis zum Konto dazu. Zunehmend werden Debit-Kreditkarten anstatt der \u003Ca href=\"\u002Fbanking\u002Fgirocard\u002F\" class=\"app-link\">Girocard\u003C\u002Fa> ausgeben.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Kostenlos Bargeld abheben im In- und Ausland\u003C\u002Fstrong>: Die Deutschen sind Europameister im Barzahlen. Legst auch du Wert auf Münzen und Scheine, solltest du die Kosten für Barabhebungen im Auge behalten. Die Palette reicht von unbegrenzt vielen Gratis-Abhebungen bis zur Gebühr für jede einzelne Barverfügung.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Echtzeitüberweisungen:\u003C\u002Fstrong> Echtzeitüberweisungen werden von immer mehr Banken angeboten. Das Geld landet dann innerhalb von Sekunden auf dem Konto des Empfängers. Leider führen aber auch zunehmend mehr Banken Gebühren für Echtzeitüberweisungen ein.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Prämien & Boni\u003C\u002Fstrong>: Neukunden- und Weiterempfehlungsprämien sind ein schönes Extra. Werden sie angeboten, solltest du sie auf jeden Fall mitnehmen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Schufa Score\u003C\u002Fstrong>: Wenn du negative Einträge in der \u003Ca href=\"\u002Fkredit\u002Fwas-macht-die-schufa\u002F\" class=\"app-link\">Schufa\u003C\u002Fa> hast, benötigst du womöglich ein Basis- oder P-Konto. Ob du vielleicht doch ein normales Konto eröffnen kannst, erfährst du bei deiner Wunsch-Bank.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Konto für Selbstständige\u003C\u002Fstrong>: Die meisten Kontoangebote richten sich an Angestellte. Geschäftliche Einnahmen darfst du nicht auf ihnen verbuchen. Mit etwas Fleiß findest du jedoch auch Konten und sogar spezielle Banken für deine Selbstständigkeit.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Konto für junge Leute\u003C\u002Fstrong>: Für Studenten, Schüler und Azubis haben die meisten Geldhäuser ganz besondere Angebote. Lasse dich von den Sonderkonditionen begeistern.\u003C\u002Fli>",{"innerBlocks":4503,"name":4408,"postId":4409,"originalContent":4504,"get_parent":4505,"attributes":4506,"dynamicContent":44},[],"\u003Ch3>Gebühren und Kosten von Girokonten\u003C\u002Fh3>",{},{"content":4507,"level":65,"anchor":4422},"Gebühren und Kosten von Girokonten",{"innerBlocks":4509,"name":4417,"postId":4409,"originalContent":4510,"get_parent":4511,"attributes":4512,"dynamicContent":44},[],"\u003Cp>Banken sind kreativer, als ihnen gemeinhin zugetraut wird – besonders, wenn es um Gebühren und Kosten geht. Die folgenden Dienstleistungen können gebührenpflichtig sein. Wie viel dich welcher Service genau kostet, erfährst du direkt beim jeweiligen Finanzinstitut im Preis- und Leistungsverzeichnis:\u003C\u002Fp>",{},{"content":4513,"dropCap":18,"anchor":4422},"Banken sind kreativer, als ihnen gemeinhin zugetraut wird – besonders, wenn es um Gebühren und Kosten geht. Die folgenden Dienstleistungen können gebührenpflichtig sein. Wie viel dich welcher Service genau kostet, erfährst du direkt beim jeweiligen Finanzinstitut im Preis- und Leistungsverzeichnis:",{"innerBlocks":4515,"name":4497,"postId":4409,"originalContent":4516,"get_parent":4517,"attributes":4518,"dynamicContent":44},[],"\u003Cul>\u003Cli>Kontoführung\u003C\u002Fli>\u003Cli>Lastschriften\u003C\u002Fli>\u003Cli>Überweisungen\u003C\u002Fli>\u003Cli>Daueraufträge\u003C\u002Fli>\u003Cli>Onlinebanking\u003C\u002Fli>\u003Cli>Girocard\u003C\u002Fli>\u003Cli>Kreditkarte\u003C\u002Fli>\u003Cli>Kartenzahlung\u003C\u002Fli>\u003Cli>Bargeldabhebungen\u003C\u002Fli>\u003Cli>Bargeldeinzahlungen\u003C\u002Fli>\u003Cli>Scheckeinlösungen\u003C\u002Fli>\u003Cli>Kontoauszüge\u003C\u002Fli>\u003Cli>Steuerbescheinigungen\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":18,"values":4519,"anchor":4422},"\u003Cli>Kontoführung\u003C\u002Fli>\u003Cli>Lastschriften\u003C\u002Fli>\u003Cli>Überweisungen\u003C\u002Fli>\u003Cli>Daueraufträge\u003C\u002Fli>\u003Cli>Onlinebanking\u003C\u002Fli>\u003Cli>Girocard\u003C\u002Fli>\u003Cli>Kreditkarte\u003C\u002Fli>\u003Cli>Kartenzahlung\u003C\u002Fli>\u003Cli>Bargeldabhebungen\u003C\u002Fli>\u003Cli>Bargeldeinzahlungen\u003C\u002Fli>\u003Cli>Scheckeinlösungen\u003C\u002Fli>\u003Cli>Kontoauszüge\u003C\u002Fli>\u003Cli>Steuerbescheinigungen\u003C\u002Fli>",{"innerBlocks":4521,"name":4408,"postId":4409,"originalContent":4522,"get_parent":4523,"attributes":4524,"dynamicContent":44},[],"\u003Ch3>Bargeld in Deutschland und weltweit abheben – geht das auch gratis?\u003C\u002Fh3>",{},{"content":4525,"level":65,"anchor":4422},"Bargeld in Deutschland und weltweit abheben – geht das auch gratis?",{"innerBlocks":4527,"name":4417,"postId":4409,"originalContent":4528,"get_parent":4529,"attributes":4530,"dynamicContent":44},[],"\u003Cp>\u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002Fkostenlos-geld-abheben\u002F\">Im Inland kommst du fast immer kostenlos an Bargeld\u003C\u002Fa>. Die Genossenschaftsbanken und Sparkassen betreiben jeweils ein weitläufiges Netz aus Filialen und Automaten. Privatbanken wie die Deutsche Bank, die Commerzbank, die Postbank und die HypoVereinsbank haben sich zusammengetan, um ihren Kunden kostenlose Bargeldabhebungen zu ermöglichen. Insgesamt 4 Verbünde haben sich gebildet: Sparkassennetz, BankCard ServiceNetz, Cash Group und CashPool. Die Kreditkartenanbieter, wie Mastercard und Visa, bilden ebenfalls Verbünde für ihre Kunden.\u003C\u002Fp>",{},{"content":4531,"dropCap":18,"anchor":4422},"\u003Ca href=\"\u002Fgirokonto\u002Fkostenlos-geld-abheben\u002F\" class=\"app-link\">Im Inland kommst du fast immer kostenlos an Bargeld\u003C\u002Fa>. Die Genossenschaftsbanken und Sparkassen betreiben jeweils ein weitläufiges Netz aus Filialen und Automaten. Privatbanken wie die Deutsche Bank, die Commerzbank, die Postbank und die HypoVereinsbank haben sich zusammengetan, um ihren Kunden kostenlose Bargeldabhebungen zu ermöglichen. Insgesamt 4 Verbünde haben sich gebildet: Sparkassennetz, BankCard ServiceNetz, Cash Group und CashPool. Die Kreditkartenanbieter, wie Mastercard und Visa, bilden ebenfalls Verbünde für ihre Kunden.",{"innerBlocks":4533,"name":4417,"postId":4409,"originalContent":4534,"get_parent":4535,"attributes":4536,"dynamicContent":44},[],"\u003Cp>Solange du dein Geld also immer an einem Automaten deiner Bankengruppe ziehst, benötigst du dir meist keine Gedanken um Gebühren für die Abhebung zu machen. Nutzt du den Automaten einer Fremdbank, ist dies meist kostenpflichtig. \u003C\u002Fp>",{},{"content":4537,"dropCap":18,"anchor":4422},"Solange du dein Geld also immer an einem Automaten deiner Bankengruppe ziehst, benötigst du dir meist keine Gedanken um Gebühren für die Abhebung zu machen. Nutzt du den Automaten einer Fremdbank, ist dies meist kostenpflichtig. ",{"innerBlocks":4539,"name":4417,"postId":4409,"originalContent":4540,"get_parent":4541,"attributes":4542,"dynamicContent":44},[],"\u003Cp>Bist du auf Reisen, ist die Lage nicht mehr ganz so übersichtlich. Manche Banken ermöglichen dir mit einem bestimmten Konto oder einer Kreditkarte kostenlose Bargeldabhebungen auf der ganzen Welt. Achte dabei unbedingt auf die Vertragsdetails. Oftmals hängt die Gebühr im Ausland vom Automaten, der Karte und teilweise von weiteren Regeln ab.\u003C\u002Fp>",{},{"content":4543,"dropCap":18,"anchor":4422},"Bist du auf Reisen, ist die Lage nicht mehr ganz so übersichtlich. Manche Banken ermöglichen dir mit einem bestimmten Konto oder einer Kreditkarte kostenlose Bargeldabhebungen auf der ganzen Welt. Achte dabei unbedingt auf die Vertragsdetails. Oftmals hängt die Gebühr im Ausland vom Automaten, der Karte und teilweise von weiteren Regeln ab.",{"innerBlocks":4545,"name":4408,"postId":4409,"originalContent":4546,"get_parent":4547,"attributes":4548,"dynamicContent":44},[],"\u003Ch3>Bargeld einzahlen\u003C\u002Fh3>",{},{"content":4549,"level":65,"anchor":4422},"Bargeld einzahlen",{"innerBlocks":4551,"name":4417,"postId":4409,"originalContent":4552,"get_parent":4553,"attributes":4554,"dynamicContent":44},[],"\u003Cp>Allein schon wegen des nervigen Kleingeldes: Bargeldeinzahlungen müssen gelegentlich sein. Dafür stehen dir mehrere Wege offen: am Schalter, am Einzahlautomat, bei teilnehmenden Handelspartnern oder bei einer Fremdbank, wie der Reisebank.\u003C\u002Fp>",{},{"content":4555,"dropCap":18,"anchor":4422},"Allein schon wegen des nervigen Kleingeldes: Bargeldeinzahlungen müssen gelegentlich sein. Dafür stehen dir mehrere Wege offen: am Schalter, am Einzahlautomat, bei teilnehmenden Handelspartnern oder bei einer Fremdbank, wie der Reisebank.",{"innerBlocks":4557,"name":4417,"postId":4409,"originalContent":4558,"get_parent":4559,"attributes":4560,"dynamicContent":44},[],"\u003Cp>Am Schalter gibst du dein Bargeld in einer Filiale während der Öffnungszeiten ab. Der Bankangestellte zählt dein Geld und schreibt es anschließend deinem Konto gut. Das ist kein Problem, wenn du Kunde bei einer Filialbank bist. Hast du dein Konto bei einer Direktbank, bleibt dir häufig nur der Automat.\u003C\u002Fp>",{},{"content":4561,"dropCap":18,"anchor":4422},"Am Schalter gibst du dein Bargeld in einer Filiale während der Öffnungszeiten ab. Der Bankangestellte zählt dein Geld und schreibt es anschließend deinem Konto gut. Das ist kein Problem, wenn du Kunde bei einer Filialbank bist. Hast du dein Konto bei einer Direktbank, bleibt dir häufig nur der Automat.",{"innerBlocks":4563,"name":4417,"postId":4409,"originalContent":4564,"get_parent":4565,"attributes":4566,"dynamicContent":44},[],"\u003Cp>Neben reinen Auszahlautomaten gibt es auch kombinierte Geräte. Sie ermöglichen dir auch eine Einzahlung. Einige Direktbanken kooperieren mit etablierten Filialbanken wie der Reisebank, damit ihre Kunden Geld an ihren Automaten einzahlen können. Dann kostet dich die Einzahlung nichts. Nutzt du die Einzahlfunktion ohne eine solche Vereinbarung, behält die Fremdbank einen Teil deines Geldes als Gebühr ein. \u003C\u002Fp>",{},{"content":4567,"dropCap":18,"anchor":4422},"Neben reinen Auszahlautomaten gibt es auch kombinierte Geräte. Sie ermöglichen dir auch eine Einzahlung. Einige Direktbanken kooperieren mit etablierten Filialbanken wie der Reisebank, damit ihre Kunden Geld an ihren Automaten einzahlen können. Dann kostet dich die Einzahlung nichts. Nutzt du die Einzahlfunktion ohne eine solche Vereinbarung, behält die Fremdbank einen Teil deines Geldes als Gebühr ein.",{"innerBlocks":4569,"name":4408,"postId":4409,"originalContent":4570,"get_parent":4571,"attributes":4572,"dynamicContent":44},[],"\u003Ch3>Komplett gebührenfreie Konten – nur ein Mythos?\u003C\u002Fh3>",{},{"content":4573,"level":65,"anchor":4422},"Komplett gebührenfreie Konten – nur ein Mythos?",{"innerBlocks":4575,"name":4417,"postId":4409,"originalContent":4576,"get_parent":4577,"attributes":4578,"dynamicContent":44},[],"\u003Cp>Viele Banken werben mit Konten ohne Kontoführungsgebühr. Bei einem genaueren Blick offenbaren sich häufig jedoch entscheidende Bedingungen. Das können sein:\u003C\u002Fp>",{},{"content":4579,"dropCap":18,"anchor":4422},"Viele Banken werben mit Konten ohne Kontoführungsgebühr. Bei einem genaueren Blick offenbaren sich häufig jedoch entscheidende Bedingungen. Das können sein:",{"innerBlocks":4581,"name":4461,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":4582,"attributes":4583},[],{},{"name":4461,"data":4584},{"icon_list_0_icon_list_description":4585,"icon_list_0_icon_list_icon":4586,"icon_list_1_icon_list_description":4587,"icon_list_1_icon_list_icon":4586,"icon_list_2_icon_list_description":4588,"icon_list_2_icon_list_icon":4586,"icon_list_3_icon_list_description":4589,"icon_list_3_icon_list_icon":4586,"icon_list_4_icon_list_description":4590,"icon_list_4_icon_list_icon":4586,"icon_list_5_icon_list_description":4591,"icon_list_5_icon_list_icon":4586,"icon_list":294},"Monatlicher Mindestgehaltseingang","no","Begrenzter Service auf dem gebührenfreien Konto","Keine Kontoführungsgebühr, aber Kosten für Buchungen","Jahresgebühren für die Kreditkarte","Höchstalter für die Gebührenbefreiung","Das kostenlose Konto ist an deine berufliche Situation gebunden, z. B. nur für Studierende oder Schüler.",{"innerBlocks":4593,"name":4417,"postId":4409,"originalContent":4594,"get_parent":4595,"attributes":4596,"dynamicContent":44},[],"\u003Cp>Dennoch gibt es Anbieter, die keine Bedingungen stellen und dein Konto trotzdem kostenlos für dich führen. Manchmal bekommst du bei ihnen eine gebührenfreie Kreditkarte und weltweite Bargeldabhebungen gratis dazu. In unserem Kontovergleich findest du sie ganz oben.\u003C\u002Fp>",{},{"content":4597,"dropCap":18,"anchor":4422},"Dennoch gibt es Anbieter, die keine Bedingungen stellen und dein Konto trotzdem kostenlos für dich führen. Manchmal bekommst du bei ihnen eine gebührenfreie Kreditkarte und weltweite Bargeldabhebungen gratis dazu. In unserem Kontovergleich findest du sie ganz oben.",{"innerBlocks":4599,"name":4408,"postId":4409,"originalContent":4600,"get_parent":4601,"attributes":4602,"dynamicContent":44},[],"\u003Ch3>Wie finde ich das für mich günstigste Konto?\u003C\u002Fh3>",{},{"content":4603,"level":65,"anchor":4422},"Wie finde ich das für mich günstigste Konto?",{"innerBlocks":4605,"name":4417,"postId":4409,"originalContent":4606,"get_parent":4607,"attributes":4608,"dynamicContent":44},[],"\u003Cp>Weil das Angebot an Girokonten so groß ist und die Details trickreich, ist ein Kontovergleich die beste Idee bei deiner Suche. Hier kannst du angeben, was dir bei deinem Konto wichtig ist. Sofort erhältst du mehrere Vorschläge, die du bequem vergleichen kannst. Hast du das Richtige gefunden, ist die Kontoeröffnung online schnell erledigt.\u003C\u002Fp>",{},{"content":4609,"dropCap":18,"anchor":4422},"Weil das Angebot an Girokonten so groß ist und die Details trickreich, ist ein Kontovergleich die beste Idee bei deiner Suche. Hier kannst du angeben, was dir bei deinem Konto wichtig ist. Sofort erhältst du mehrere Vorschläge, die du bequem vergleichen kannst. Hast du das Richtige gefunden, ist die Kontoeröffnung online schnell erledigt.",{"innerBlocks":4611,"name":4408,"postId":4409,"originalContent":4612,"get_parent":4613,"attributes":4614,"dynamicContent":44},[],"\u003Ch2>Girokonten ohne Mindestgehaltseingang – gibt es das?\u003C\u002Fh2>",{},{"content":4615,"level":109,"anchor":4422},"Girokonten ohne Mindestgehaltseingang – gibt es das?",{"innerBlocks":4617,"name":4417,"postId":4409,"originalContent":4618,"get_parent":4619,"attributes":4620,"dynamicContent":44},[],"\u003Cp>Um ein Girokonto zu eröffnen, benötigst du keinen Gehaltseingang. Die Bank verlangt nur von dir, dass du ihre anfallenden Gebühren und Zinsen begleichst. Die Frage nach dem Mindestgehaltseingang stellt sie dir erst, wenn es um ein kostenloses Konto geht. Viele Banken knüpfen es an die Bedingung, dass monatlich ein bestimmter Betrag auf das Konto eingeht. Meistens handelt es sich um bis zu 1.000 im Monat, relativ häufig sind 700€. Warum tut eine Bank das? Der Grund ist simpel: Sie möchte mit dem Gratis-Konto Gutverdiener anlocken. Nur wenige Banken verzichten bei ihren Gratis-Konten auf einen Mindestgehaltseingang oder sonstige Bedingungen.\u003C\u002Fp>",{},{"content":4621,"dropCap":18,"anchor":4422},"Um ein Girokonto zu eröffnen, benötigst du keinen Gehaltseingang. Die Bank verlangt nur von dir, dass du ihre anfallenden Gebühren und Zinsen begleichst. Die Frage nach dem Mindestgehaltseingang stellt sie dir erst, wenn es um ein kostenloses Konto geht. Viele Banken knüpfen es an die Bedingung, dass monatlich ein bestimmter Betrag auf das Konto eingeht. Meistens handelt es sich um bis zu 1.000 im Monat, relativ häufig sind 700€. Warum tut eine Bank das? Der Grund ist simpel: Sie möchte mit dem Gratis-Konto Gutverdiener anlocken. Nur wenige Banken verzichten bei ihren Gratis-Konten auf einen Mindestgehaltseingang oder sonstige Bedingungen.",{"innerBlocks":4623,"name":4408,"postId":4409,"originalContent":4624,"get_parent":4625,"attributes":4626,"dynamicContent":44},[],"\u003Ch2>Zinsen beim Girokonto\u003C\u002Fh2>",{},{"content":4627,"level":109,"anchor":4422},"Zinsen beim Girokonto",{"innerBlocks":4629,"name":4417,"postId":4409,"originalContent":4630,"get_parent":4631,"attributes":4632,"dynamicContent":44},[],"\u003Cp>Der Zins ist der Preis des Geldes. Bezogen auf das Girokonto gibt es verschiedene Formen: Habenzins, Sollzins und Verwahrentgelt.\u003C\u002Fp>",{},{"content":4633,"dropCap":18,"anchor":4422},"Der Zins ist der Preis des Geldes. Bezogen auf das Girokonto gibt es verschiedene Formen: Habenzins, Sollzins und Verwahrentgelt.",{"innerBlocks":4635,"name":4408,"postId":4409,"originalContent":4636,"get_parent":4637,"attributes":4638,"dynamicContent":44},[],"\u003Ch3>Habenzins\u003C\u002Fh3>",{},{"content":4639,"level":65,"anchor":4422},"Habenzins",{"innerBlocks":4641,"name":4417,"postId":4409,"originalContent":4642,"get_parent":4643,"attributes":4644,"dynamicContent":44},[],"\u003Cp>Hast du Guthaben auf deinem Konto, kannst du dafür einen Habenzins bekommen. Du stellst der Bank dein Geld zur Verfügung und sie gibt dir dafür Geld. Auf dem Girokonto gibt es meist keinen Habenzins. Wenn es überhaupt einen gibt, ist dieser verschwindend gering. Angenommen, du erhältst 0,2% im Jahr. Wenn du also das ganze Jahr lang im Schnitt 1.000€ auf deinem Konto hast, bekommst du dafür insgesamt einen Zinsertrag von 2€. Du siehst: Den Habenzinsen kannst du bei der Suche nach dem perfekten Girokonto ignorieren.\u003C\u002Fp>",{},{"content":4645,"dropCap":18,"anchor":4422},"Hast du Guthaben auf deinem Konto, kannst du dafür einen Habenzins bekommen. Du stellst der Bank dein Geld zur Verfügung und sie gibt dir dafür Geld. Auf dem Girokonto gibt es meist keinen Habenzins. Wenn es überhaupt einen gibt, ist dieser verschwindend gering. Angenommen, du erhältst 0,2% im Jahr. Wenn du also das ganze Jahr lang im Schnitt 1.000€ auf deinem Konto hast, bekommst du dafür insgesamt einen Zinsertrag von 2€. Du siehst: Den Habenzinsen kannst du bei der Suche nach dem perfekten Girokonto ignorieren.",{"innerBlocks":4647,"name":4408,"postId":4409,"originalContent":4648,"get_parent":4649,"attributes":4650,"dynamicContent":44},[],"\u003Ch3>Sollzins\u003C\u002Fh3>",{},{"content":4651,"level":65,"anchor":4422},"Sollzins",{"innerBlocks":4653,"name":4417,"postId":4409,"originalContent":4654,"get_parent":4655,"attributes":4656,"dynamicContent":44},[],"\u003Cp>Sollzinsen entstehen, wenn du den Dispokredit auf deinem Konto nutzt. Du gehst ins Minus und die Bank merkt sich das. Sie notiert, an wie vielen Tagen du mit welchem Betrag im Soll warst. Am Quartalsende rechnet sie dein Konto ab und zieht die Zinsen ein. Warst du beispielsweise an 30 Tagen im Quartal mit durchschnittlich 1.000€ im Minus und der Zins 10% beträgt, werden 8,33€ Zinsen für die 30 Tage fällig.\u003C\u002Fp>",{},{"content":4657,"dropCap":18,"anchor":4422},"Sollzinsen entstehen, wenn du den Dispokredit auf deinem Konto nutzt. Du gehst ins Minus und die Bank merkt sich das. Sie notiert, an wie vielen Tagen du mit welchem Betrag im Soll warst. Am Quartalsende rechnet sie dein Konto ab und zieht die Zinsen ein. Warst du beispielsweise an 30 Tagen im Quartal mit durchschnittlich 1.000€ im Minus und der Zins 10% beträgt, werden 8,33€ Zinsen für die 30 Tage fällig.",{"innerBlocks":4659,"name":4408,"postId":4409,"originalContent":4660,"get_parent":4661,"attributes":4662,"dynamicContent":44},[],"\u003Ch3>Verwahrentgelt\u003C\u002Fh3>",{},{"content":153,"level":65,"anchor":4422},{"innerBlocks":4664,"name":4417,"postId":4409,"originalContent":4665,"get_parent":4666,"attributes":4667,"dynamicContent":44},[],"\u003Cp>Für große Geldbestände fällt bei einzelnen Banken ein sogenanntes Verwahrentgelt an. Wenn du also große Summen temporär auf einem Girokonto verwahren musst, solltest du dich darüber vorher informieren. Meistens werden diese bei Guthaben von mehr als 100.000€ fällig.\u003C\u002Fp>",{},{"content":4668,"dropCap":18,"anchor":4422},"Für große Geldbestände fällt bei einzelnen Banken ein sogenanntes Verwahrentgelt an. Wenn du also große Summen temporär auf einem Girokonto verwahren musst, solltest du dich darüber vorher informieren. Meistens werden diese bei Guthaben von mehr als 100.000€ fällig.",{"innerBlocks":4670,"name":4408,"postId":4409,"originalContent":4671,"get_parent":4672,"attributes":4673,"dynamicContent":44},[],"\u003Ch3>Girokonto mit Dispo – benötige ich so etwas?\u003C\u002Fh3>",{},{"content":4674,"level":65,"anchor":4422},"Girokonto mit Dispo – benötige ich so etwas?",{"innerBlocks":4676,"name":4417,"postId":4409,"originalContent":4677,"get_parent":4678,"attributes":4679,"dynamicContent":44},[],"\u003Cp>Mit deinem ersten Job stellt sich dir die Frage, ob du zu deinem Konto einen Dispo eröffnen sollst. Für die Kreditlinie musst du mindestens 18 Jahre alt sein, kreditwürdig sein und ein regelmäßiges Einkommen haben. Sie bietet dir die folgenden Vorteile:\u003C\u002Fp>",{},{"content":4680,"dropCap":18,"anchor":4422},"Mit deinem ersten Job stellt sich dir die Frage, ob du zu deinem Konto einen Dispo eröffnen sollst. Für die Kreditlinie musst du mindestens 18 Jahre alt sein, kreditwürdig sein und ein regelmäßiges Einkommen haben. Sie bietet dir die folgenden Vorteile:",{"innerBlocks":4682,"name":4461,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":4683,"attributes":4684},[],{},{"name":4461,"data":4685},{"icon_list_0_icon_list_description":4686,"icon_list_0_icon_list_icon":4466,"icon_list_1_icon_list_description":4687,"icon_list_1_icon_list_icon":4466,"icon_list_2_icon_list_description":4688,"icon_list_2_icon_list_icon":4466,"icon_list":65},"Du kannst die Zeit bis zu deinem nächsten Gehaltseingang überbrücken.","Unvorhergesehene Ausgaben sind kein Problem.","Wenn du nur eine kleine Summe kurzfristig brauchst, musst du nicht gleich einen Privatkredit beantragen.",{"innerBlocks":4690,"name":4417,"postId":4409,"originalContent":4691,"get_parent":4692,"attributes":4693,"dynamicContent":44},[],"\u003Cp>Das Schöne am Dispo ist, dass du ihn nicht nutzen musst. Solange du im Plus bleibst, fallen keine Kosten an. Die Bank berechnet dir nur Zinsen, wenn du ins Minus gehst.\u003C\u002Fp>",{},{"content":4694,"dropCap":18,"anchor":4422},"Das Schöne am Dispo ist, dass du ihn nicht nutzen musst. Solange du im Plus bleibst, fallen keine Kosten an. Die Bank berechnet dir nur Zinsen, wenn du ins Minus gehst.",{"innerBlocks":4696,"name":4417,"postId":4409,"originalContent":4697,"get_parent":4698,"attributes":4699,"dynamicContent":44},[],"\u003Cp>Auch wenn der Dispokredit verlockend ist, solltest du ihn möglichst vermeiden. Bilde möglichst Rücklagen, um auch in finanziellen Notlagen zahlungsfähig zu sein. Hierfür können wir dir einen \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Fnotgroschen\u002F\">Notgroschen\u003C\u002Fa> in Höhe von 3 bis 6 Nettomonatsgehältern empfehlen.\u003C\u002Fp>",{},{"content":4700,"dropCap":18,"anchor":4422},"Auch wenn der Dispokredit verlockend ist, solltest du ihn möglichst vermeiden. Bilde möglichst Rücklagen, um auch in finanziellen Notlagen zahlungsfähig zu sein. Hierfür können wir dir einen \u003Ca href=\"\u002Fgeldanlage\u002Fnotgroschen\u002F\" class=\"app-link\">Notgroschen\u003C\u002Fa> in Höhe von 3 bis 6 Nettomonatsgehältern empfehlen.",{"innerBlocks":4702,"name":4408,"postId":4409,"originalContent":4703,"get_parent":4704,"attributes":4705,"dynamicContent":44},[],"\u003Ch3>Was passiert, wenn ich das Girokonto überziehe?\u003C\u002Fh3>",{},{"content":4706,"level":65,"anchor":4422},"Was passiert, wenn ich das Girokonto überziehe?",{"innerBlocks":4708,"name":4417,"postId":4409,"originalContent":4709,"get_parent":4710,"attributes":4711,"dynamicContent":44},[],"\u003Cp>Wenn du dein Konto überziehst, gibt es verschiedene Möglichkeiten:\u003C\u002Fp>",{},{"content":4712,"dropCap":18,"anchor":4422},"Wenn du dein Konto überziehst, gibt es verschiedene Möglichkeiten:",{"innerBlocks":4714,"name":4497,"postId":4409,"originalContent":4715,"get_parent":4716,"attributes":4717,"dynamicContent":44},[],"\u003Cul>\u003Cli>\u003Cstrong>Eingeräumte Überziehung:\u003C\u002Fstrong> Viele Banken räumen dir eine Überziehung in einem zuvor vereinbarten Rahmen ein. Dieser Kreditrahmen wird als Dispokredit bezeichnet. Wie die anfallenden Zinsen berechnet werden, haben wir oben an einem Beispiel erklärt.\u003C\u002Fli>\u003Cli>\u003Cstrong>Geduldete Überziehung: \u003C\u002Fstrong>Falls du deinen Dispo-Rahmen ausreizt, bieten Banken häufig eine geduldete Überziehung an. Der Zinssatz ist oft höher als der Dispozins.\u003C\u002Fli>\u003Cli>\u003Cstrong>Keine (weitere) Überziehung möglich: \u003C\u002Fstrong>Denkbar ist auch, dass die Bank keinen Dispo einräumt oder keine weitere Überziehung möglich ist. Dann solltest du umso mehr darauf achten, dass dein Konto gedeckt ist. Andernfalls prüft ein Bankmitarbeiter deine Umsätze und kann sie zurückbuchen. Wenn dein Konto nicht gedeckt ist und die Bank keine Überziehung gewährt, wird auch keine Lastschrift ausgeführt. Diese Rücklastschrift kostet Gebühren und bringt dir Ärger mit dem Zahlungsempfänger. Er mahnt die Rechnung an und versucht einen erneuten Einzug. Ferner verschlechtern Rücklastschriften dein Rating bei der Bank. Willst du in Zukunft einen Kredit, kann es sein, dass die Bank ihn nicht genehmigt oder du sehr hohe Zinsen dafür bezahlen musst.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":18,"values":4718,"anchor":4422},"\u003Cli>\n\u003Cstrong>Eingeräumte Überziehung:\u003C\u002Fstrong> Viele Banken räumen dir eine Überziehung in einem zuvor vereinbarten Rahmen ein. Dieser Kreditrahmen wird als Dispokredit bezeichnet. Wie die anfallenden Zinsen berechnet werden, haben wir oben an einem Beispiel erklärt.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Geduldete Überziehung: \u003C\u002Fstrong>Falls du deinen Dispo-Rahmen ausreizt, bieten Banken häufig eine geduldete Überziehung an. Der Zinssatz ist oft höher als der Dispozins.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Keine (weitere) Überziehung möglich: \u003C\u002Fstrong>Denkbar ist auch, dass die Bank keinen Dispo einräumt oder keine weitere Überziehung möglich ist. Dann solltest du umso mehr darauf achten, dass dein Konto gedeckt ist. Andernfalls prüft ein Bankmitarbeiter deine Umsätze und kann sie zurückbuchen. Wenn dein Konto nicht gedeckt ist und die Bank keine Überziehung gewährt, wird auch keine Lastschrift ausgeführt. Diese Rücklastschrift kostet Gebühren und bringt dir Ärger mit dem Zahlungsempfänger. Er mahnt die Rechnung an und versucht einen erneuten Einzug. Ferner verschlechtern Rücklastschriften dein Rating bei der Bank. Willst du in Zukunft einen Kredit, kann es sein, dass die Bank ihn nicht genehmigt oder du sehr hohe Zinsen dafür bezahlen musst.\u003C\u002Fli>",{"innerBlocks":4720,"name":4408,"postId":4409,"originalContent":4721,"get_parent":4722,"attributes":4723,"dynamicContent":44},[],"\u003Ch3>Gibt es Konten ohne Dispo?\u003C\u002Fh3>",{},{"content":4724,"level":65,"anchor":4422},"Gibt es Konten ohne Dispo?",{"innerBlocks":4726,"name":4417,"postId":4409,"originalContent":4727,"get_parent":4728,"attributes":4729,"dynamicContent":44},[],"\u003Cp>Der Dispo ist eine freiwillige Dienstleistung. Du musst ihn beantragen und bekommst ihn nicht einfach so. Des Weiteren gibt es Konten, zu denen du gar keinen Dispo beantragen kannst. Solche Guthaben- oder Basiskonten erlauben dir überhaupt kein Minus. Du kannst nur über das Geld verfügen, das auf dem Konto ist – nie mehr. Guthabenkonten sind der Standard bei Minderjährigen. Doch auch wenn du schon volljährig bist, kann ein Guthabenkonto eine gute Entscheidung sein: Du vermeidest Sollzinsen und behältst die volle Kontrolle über deine Finanzen.\u003C\u002Fp>",{},{"content":4730,"dropCap":18,"anchor":4422},"Der Dispo ist eine freiwillige Dienstleistung. Du musst ihn beantragen und bekommst ihn nicht einfach so. Des Weiteren gibt es Konten, zu denen du gar keinen Dispo beantragen kannst. Solche Guthaben- oder Basiskonten erlauben dir überhaupt kein Minus. Du kannst nur über das Geld verfügen, das auf dem Konto ist – nie mehr. Guthabenkonten sind der Standard bei Minderjährigen. Doch auch wenn du schon volljährig bist, kann ein Guthabenkonto eine gute Entscheidung sein: Du vermeidest Sollzinsen und behältst die volle Kontrolle über deine Finanzen.",{"innerBlocks":4732,"name":4417,"postId":4409,"originalContent":4733,"get_parent":4734,"attributes":4735,"dynamicContent":44},[],"\u003Cp>Falls du wegen fehlender Bonität Probleme hast, ein Girokonto zu eröffnen, kann das Basiskonto infrage kommen. Banken sind dazu verpflichtet, jedem ein Basiskonto anzubieten. Meist ist das Basiskonto teurer als ein klassisches Girokonto, daher solltest du es möglichst vermeiden.\u003C\u002Fp>",{},{"content":4736,"dropCap":18,"anchor":4422},"Falls du wegen fehlender Bonität Probleme hast, ein Girokonto zu eröffnen, kann das Basiskonto infrage kommen. Banken sind dazu verpflichtet, jedem ein Basiskonto anzubieten. Meist ist das Basiskonto teurer als ein klassisches Girokonto, daher solltest du es möglichst vermeiden.",{"innerBlocks":4738,"name":4408,"postId":4409,"originalContent":4739,"get_parent":4740,"attributes":4741,"dynamicContent":44},[],"\u003Ch2>Welche Bankkarte benötige ich?\u003C\u002Fh2>",{},{"content":4742,"level":109,"anchor":4422},"Welche Bankkarte benötige ich?",{"innerBlocks":4744,"name":4417,"postId":4409,"originalContent":4745,"get_parent":4746,"attributes":4747,"dynamicContent":44},[],"\u003Cp>Ohne eine Karte käme ein Girokonto zwar theoretisch aus, aber in der Praxis ist es selten empfehlenswert. Deswegen bekommst du mit der Kontoeröffnung meistens automatisch eine Bankkarte zugeschickt. Vorwiegend wird eine Debitkarte, wie die Girocard oder eine Debit-Kreditkarte, ausgegeben. Teilweise auch eine Kreditkarte. Welche du benötigst, erfährst du hier.\u003C\u002Fp>",{},{"content":4748,"dropCap":18,"anchor":4422},"Ohne eine Karte käme ein Girokonto zwar theoretisch aus, aber in der Praxis ist es selten empfehlenswert. Deswegen bekommst du mit der Kontoeröffnung meistens automatisch eine Bankkarte zugeschickt. Vorwiegend wird eine Debitkarte, wie die Girocard oder eine Debit-Kreditkarte, ausgegeben. Teilweise auch eine Kreditkarte. Welche du benötigst, erfährst du hier.",{"innerBlocks":4750,"name":4408,"postId":4409,"originalContent":4751,"get_parent":4752,"attributes":4753,"dynamicContent":44},[],"\u003Ch3>Reicht eine Girocard aus?\u003C\u002Fh3>",{},{"content":4754,"level":65,"anchor":4422},"Reicht eine Girocard aus?",{"innerBlocks":4756,"name":4417,"postId":4409,"originalContent":4757,"get_parent":4758,"attributes":4759,"dynamicContent":44},[],"\u003Cp>Die Girocard (früher EC-Karte) ist in Deutschland sehr weit verbreitet und genießt eine hohe Akzeptanz. Da es sich um ein deutsches Bezahlsystem handelt, beschränkt sich die Akzeptanz allerdings auf Deutschland. Um die Karte auch im Ausland zu nutzen, ist man auf die Unterstützung von Mastercard und Visa angewiesen. Diese Unterstützung läuft allerdings aus, sodass zunehmend auf Debit-Kreditkarten umgestellt wird. Zudem hat die Girocard keine E-Commerce-Funktion, wodurch das Bezahlen im Internet erschwert wird.\u003C\u002Fp>",{},{"content":4760,"dropCap":18,"anchor":4422},"Die Girocard (früher EC-Karte) ist in Deutschland sehr weit verbreitet und genießt eine hohe Akzeptanz. Da es sich um ein deutsches Bezahlsystem handelt, beschränkt sich die Akzeptanz allerdings auf Deutschland. Um die Karte auch im Ausland zu nutzen, ist man auf die Unterstützung von Mastercard und Visa angewiesen. Diese Unterstützung läuft allerdings aus, sodass zunehmend auf Debit-Kreditkarten umgestellt wird. Zudem hat die Girocard keine E-Commerce-Funktion, wodurch das Bezahlen im Internet erschwert wird.",{"innerBlocks":4762,"name":4408,"postId":4409,"originalContent":4763,"get_parent":4764,"attributes":4765,"dynamicContent":44},[],"\u003Ch3>Wieso bieten viele Banken neuerdings Debit-Kreditkarten an?\u003C\u002Fh3>",{},{"content":4766,"level":65,"anchor":4422},"Wieso bieten viele Banken neuerdings Debit-Kreditkarten an?",{"innerBlocks":4768,"name":4417,"postId":4409,"originalContent":4769,"get_parent":4770,"attributes":4771,"dynamicContent":44},[],"\u003Cp>Die Debit-Kreditkarte verdrängt zunehmend die Girocard. Im Gegensatz zur Girocard kannst du mit der Debit-Kreditkarte online bezahlen. Ebenso kommst du im Ausland an Bargeld und kannst per Karte bezahlen. In Deutschland haben allerdings noch nicht alle Händler ihre Bezahlsysteme umgestellt, sodass insbesondere kleinere Händler Zahlungen mit der Debit-Kreditkarte ablehnen. Dieses Problem sollte aber zunehmend verschwinden.\u003C\u002Fp>",{},{"content":4772,"dropCap":18,"anchor":4422},"Die Debit-Kreditkarte verdrängt zunehmend die Girocard. Im Gegensatz zur Girocard kannst du mit der Debit-Kreditkarte online bezahlen. Ebenso kommst du im Ausland an Bargeld und kannst per Karte bezahlen. In Deutschland haben allerdings noch nicht alle Händler ihre Bezahlsysteme umgestellt, sodass insbesondere kleinere Händler Zahlungen mit der Debit-Kreditkarte ablehnen. Dieses Problem sollte aber zunehmend verschwinden.",{"innerBlocks":4774,"name":4775,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":4776,"attributes":4777},[],"acf\u002Fbox-info-icon",{},{"name":4775,"data":4778},{"box_info_icon_description":4779,"box_info_icon_headline":4780,"box_info_icon_icon":4781},"Der wesentliche Unterschied zwischen einer Debitkarte und eine „echten“ Kreditkarte ist der Zeitpunkt, zu dem das Konto belastet wird. Eine Debitkarte verhält sich wie eine Girocard. Bezahlst du mit einer Debitkarte, wird dein Konto sofort belastet. Bei einer Kreditkarte hingegen erfolgt die Abrechnung meist monatlich: Erst mit Ablauf des Monats werden alle Zahlungen gesammelt von deinem Konto abgebucht. Hier hast du in der Regel einen begrenzten Kreditrahmen pro Monat. Häufig gibt es neben einer Standard-Kreditkarte auch sogenannte Premium-Kreditkarten mit Leistungen wie Reisepolicen. Diese sind aber selten kostenlos verfügbar.","Wie unterscheiden sich Debit- und Kreditkarte?","idea",{"innerBlocks":4783,"name":4408,"postId":4409,"originalContent":4784,"get_parent":4785,"attributes":4786,"dynamicContent":44},[],"\u003Ch3>Benötige ich eine Kreditkarte zu meinem Girokonto?\u003C\u002Fh3>",{},{"content":4787,"level":65,"anchor":4422},"Benötige ich eine Kreditkarte zu meinem Girokonto?",{"innerBlocks":4789,"name":4417,"postId":4409,"originalContent":4790,"get_parent":4791,"attributes":4792,"dynamicContent":44},[],"\u003Cp>Kreditkarten sind praktisch. Mit ihnen hast du Zugriff auf die folgenden Funktionen:\u003C\u002Fp>",{},{"content":4793,"dropCap":18,"anchor":4422},"Kreditkarten sind praktisch. Mit ihnen hast du Zugriff auf die folgenden Funktionen:",{"innerBlocks":4795,"name":4497,"postId":4409,"originalContent":4796,"get_parent":4797,"attributes":4798,"dynamicContent":44},[],"\u003Cul>\u003Cli>Weltweit bezahlen\u003C\u002Fli>\u003Cli>Auf der ganzen Welt Bargeld abheben\u003C\u002Fli>\u003Cli>Im Internet sicher einkaufen\u003C\u002Fli>\u003Cli>Zahlungen (mit einer „echten“ Kreditkarte) in die Zukunft verschieben\u003C\u002Fli>\u003Cli>Je nach Kreditkarte weitere Leistungen wie Versicherungen, Bonusprogramme oder Concierge-Services\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":18,"values":4799,"anchor":4422},"\u003Cli>Weltweit bezahlen\u003C\u002Fli>\u003Cli>Auf der ganzen Welt Bargeld abheben\u003C\u002Fli>\u003Cli>Im Internet sicher einkaufen\u003C\u002Fli>\u003Cli>Zahlungen (mit einer „echten“ Kreditkarte) in die Zukunft verschieben\u003C\u002Fli>\u003Cli>Je nach Kreditkarte weitere Leistungen wie Versicherungen, Bonusprogramme oder Concierge-Services\u003C\u002Fli>",{"innerBlocks":4801,"name":4417,"postId":4409,"originalContent":4802,"get_parent":4803,"attributes":4804,"dynamicContent":44},[],"\u003Cp>In Deutschland sind Mastercard und VISA die bekanntesten Kreditkartengesellschaften. Sie sind international akzeptiert und unterscheiden sich in ihren Features nicht besonders voneinander.\u003C\u002Fp>",{},{"content":4805,"dropCap":18,"anchor":4422},"In Deutschland sind Mastercard und VISA die bekanntesten Kreditkartengesellschaften. Sie sind international akzeptiert und unterscheiden sich in ihren Features nicht besonders voneinander.",{"innerBlocks":4807,"name":4408,"postId":4409,"originalContent":4808,"get_parent":4809,"attributes":4810,"dynamicContent":44},[],"\u003Ch3>Kann ich eine Kreditkarte auch ohne Girokonto beantragen?\u003C\u002Fh3>",{},{"content":4811,"level":65,"anchor":4422},"Kann ich eine Kreditkarte auch ohne Girokonto beantragen?",{"innerBlocks":4813,"name":4417,"postId":4409,"originalContent":4814,"get_parent":4815,"attributes":4816,"dynamicContent":44},[],"\u003Cp>Das Girokonto und die Kreditkarte musst du nicht bei derselben Bank haben. Deine Hausbank bietet sicherlich diverse Kreditkarten an – manchmal sogar ohne Jahresgebühr. Hier lohnt sich der \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002F\">Kreditkartenvergleich\u003C\u002Fa>. So sicherst du dir Extra-Leistungen oder besonders günstige Konditionen.\u003C\u002Fp>",{},{"content":4817,"dropCap":18,"anchor":4422},"Das Girokonto und die Kreditkarte musst du nicht bei derselben Bank haben. Deine Hausbank bietet sicherlich diverse Kreditkarten an – manchmal sogar ohne Jahresgebühr. Hier lohnt sich der \u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002F\" class=\"app-link\">Kreditkartenvergleich\u003C\u002Fa>. So sicherst du dir Extra-Leistungen oder besonders günstige Konditionen.",{"innerBlocks":4819,"name":4408,"postId":4409,"originalContent":4820,"get_parent":4821,"attributes":4822,"dynamicContent":44},[],"\u003Ch2>Girokonten für junge Leute finden\u003C\u002Fh2>",{},{"content":4823,"level":109,"anchor":4422},"Girokonten für junge Leute finden",{"innerBlocks":4825,"name":4417,"postId":4409,"originalContent":4826,"get_parent":4827,"attributes":4828,"dynamicContent":44},[],"\u003Cp>Kaum jemand ist als Neukunde bei den Banken so begehrt wie junge Leute. Im ersten Moment ist das verwunderlich. Wer verdient in frühen Jahren schon so viel, um für die Bank ein attraktiver Kunde zu sein? Diese Frage legt jedoch den falschen Fokus und betrachtet nur eine kurzfristige Perspektive. Du solltest nie vergessen, dass Banken Spezialisten für langfristige Geschäft sind. Denk nur an Baufinanzierungen, die jahrzehntelang laufen! Finanzinstitute sehen das Potenzial junger Leute. Sie wollen ihre Kunden schon früh fest an sich binden. So stellen sie sicher, dass diese später, wenn sie Geld verdienen, bei Finanzfragen immer zuerst ihre Hausbank aufsuchen. Also, welche Goodies haben Banken für ihre junge Zielgruppe in petto?\u003C\u002Fp>",{},{"content":4829,"dropCap":18,"anchor":4422},"Kaum jemand ist als Neukunde bei den Banken so begehrt wie junge Leute. Im ersten Moment ist das verwunderlich. Wer verdient in frühen Jahren schon so viel, um für die Bank ein attraktiver Kunde zu sein? Diese Frage legt jedoch den falschen Fokus und betrachtet nur eine kurzfristige Perspektive. Du solltest nie vergessen, dass Banken Spezialisten für langfristige Geschäft sind. Denk nur an Baufinanzierungen, die jahrzehntelang laufen! Finanzinstitute sehen das Potenzial junger Leute. Sie wollen ihre Kunden schon früh fest an sich binden. So stellen sie sicher, dass diese später, wenn sie Geld verdienen, bei Finanzfragen immer zuerst ihre Hausbank aufsuchen. Also, welche Goodies haben Banken für ihre junge Zielgruppe in petto?",{"innerBlocks":4831,"name":4408,"postId":4409,"originalContent":4832,"get_parent":4833,"attributes":4834,"dynamicContent":44},[],"\u003Ch3>Kinder, Schüler und Jugendliche\u003C\u002Fh3>",{},{"content":4835,"level":65,"anchor":4422},"Kinder, Schüler und Jugendliche",{"innerBlocks":4837,"name":4417,"postId":4409,"originalContent":4838,"get_parent":4839,"attributes":4840,"dynamicContent":44},[],"\u003Cp>Für Menschen unter 18 Jahren fällt fast nie eine Kontoführungsgebühr an. Teilweise gibt es sogar eine Guthabenverzinsung. Bei vergleichsweise hohen Zinsen legen Banken in der Regel allerdings eine Maximalsumme fest, bis zu der sie Zinsen zahlen. Hast du mehr auf dem Konto, bekommst du dafür nichts. Ebenfalls weit verbreitet bei Kinderkonten ist eine kostenlose Girocard oder eine andere Debitkarte. Auf Wunsch kannst du zusätzlich eine Prepaid-Kreditkarte beantragen. Manchmal erlässt dir die Bank sogar die Jahresgebühr.\u003C\u002Fp>",{},{"content":4841,"dropCap":18,"anchor":4422},"Für Menschen unter 18 Jahren fällt fast nie eine Kontoführungsgebühr an. Teilweise gibt es sogar eine Guthabenverzinsung. Bei vergleichsweise hohen Zinsen legen Banken in der Regel allerdings eine Maximalsumme fest, bis zu der sie Zinsen zahlen. Hast du mehr auf dem Konto, bekommst du dafür nichts. Ebenfalls weit verbreitet bei Kinderkonten ist eine kostenlose Girocard oder eine andere Debitkarte. Auf Wunsch kannst du zusätzlich eine Prepaid-Kreditkarte beantragen. Manchmal erlässt dir die Bank sogar die Jahresgebühr.",{"innerBlocks":4843,"name":4417,"postId":4409,"originalContent":4844,"get_parent":4845,"attributes":4846,"dynamicContent":44},[],"\u003Cp>Darüber hinaus bieten fast alle Kinder- und Jugendkonten eine Mitgliedschaft in einem bankeigenen Club. Sie organisiert Ausfahrten, Events oder bietet Vergünstigungen bei Partnerunternehmen.\u003C\u002Fp>",{},{"content":4847,"dropCap":18,"anchor":4422},"Darüber hinaus bieten fast alle Kinder- und Jugendkonten eine Mitgliedschaft in einem bankeigenen Club. Sie organisiert Ausfahrten, Events oder bietet Vergünstigungen bei Partnerunternehmen.",{"innerBlocks":4849,"name":4408,"postId":4409,"originalContent":4850,"get_parent":4851,"attributes":4852,"dynamicContent":44},[],"\u003Ch3>Azubis\u003C\u002Fh3>",{},{"content":4853,"level":65,"anchor":4422},"Azubis",{"innerBlocks":4855,"name":4417,"postId":4409,"originalContent":4856,"get_parent":4857,"attributes":4858,"dynamicContent":44},[],"\u003Cp>Als Azubi fällst du etwas durch das Zielgruppen-Raster. Bist du jünger als 18 Jahre, nutzt du am besten ein Gratis-Jugendkonto. Viele Geldhäuser führen ihre Jugendkonten auch länger als bis zum 18. Geburtstag. Teilweise bist du, je nach Bank, bis zu deinem 30. Geburtstag ein Jugendlicher. Ist das nicht ein schönes Kompliment?\u003C\u002Fp>",{},{"content":4859,"dropCap":18,"anchor":4422},"Als Azubi fällst du etwas durch das Zielgruppen-Raster. Bist du jünger als 18 Jahre, nutzt du am besten ein Gratis-Jugendkonto. Viele Geldhäuser führen ihre Jugendkonten auch länger als bis zum 18. Geburtstag. Teilweise bist du, je nach Bank, bis zu deinem 30. Geburtstag ein Jugendlicher. Ist das nicht ein schönes Kompliment?",{"innerBlocks":4861,"name":4408,"postId":4409,"originalContent":4862,"get_parent":4863,"attributes":4864,"dynamicContent":44},[],"\u003Ch3>Studenten\u003C\u002Fh3>",{},{"content":4865,"level":65,"anchor":4422},"Studenten",{"innerBlocks":4867,"name":4417,"postId":4409,"originalContent":4868,"get_parent":4869,"attributes":4870,"dynamicContent":44},[],"\u003Cp>Kaum jemand ist in der Finanzwelt so begehrt wie der Student. Vorübergehend arm hat er das Zeug, sich binnen weniger Jahre zum Gutverdiener zu mausern – soweit die Marketing-Theorie der Banken. Kein Wunder, dass sie besonders umworben werden und Aussicht auf diese Features haben:\u003C\u002Fp>",{},{"content":4871,"dropCap":18,"anchor":4422},"Kaum jemand ist in der Finanzwelt so begehrt wie der Student. Vorübergehend arm hat er das Zeug, sich binnen weniger Jahre zum Gutverdiener zu mausern – soweit die Marketing-Theorie der Banken. Kein Wunder, dass sie besonders umworben werden und Aussicht auf diese Features haben:",{"innerBlocks":4873,"name":4461,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":4874,"attributes":4875},[],{},{"name":4461,"data":4876},{"icon_list_0_icon_list_description":4877,"icon_list_0_icon_list_icon":4878,"icon_list_1_icon_list_description":4879,"icon_list_1_icon_list_icon":4878,"icon_list_2_icon_list_description":4880,"icon_list_2_icon_list_icon":4878,"icon_list_3_icon_list_description":4881,"icon_list_3_icon_list_icon":4878,"icon_list":70},"Kostenlose Kontoführung","yes","Kostenfreie Buchungen","Bankkarte inklusive","Vergünstigungen bei Partnerunternehmen",{"innerBlocks":4883,"name":4408,"postId":4409,"originalContent":4884,"get_parent":4885,"attributes":4886,"dynamicContent":44},[],"\u003Ch2>Girokonto für Selbstständige & Freiberufler\u003C\u002Fh2>",{},{"content":4887,"level":109,"anchor":4422},"Girokonto für Selbstständige & Freiberufler",{"innerBlocks":4889,"name":4417,"postId":4409,"originalContent":4890,"get_parent":4891,"attributes":4892,"dynamicContent":44},[],"\u003Cp>Der überwiegende Anteil von Kontoangeboten richtet sich an Angestellte mit einem regelmäßigen Gehalt. Selbstständige und Freiberufler dürfen sie häufig weder abschließen noch für ihre Geschäfte nutzen. Sie benötigen meist ein Business-Konto.\u003C\u002Fp>",{},{"content":4893,"dropCap":18,"anchor":4422},"Der überwiegende Anteil von Kontoangeboten richtet sich an Angestellte mit einem regelmäßigen Gehalt. Selbstständige und Freiberufler dürfen sie häufig weder abschließen noch für ihre Geschäfte nutzen. Sie benötigen meist ein Business-Konto.",{"innerBlocks":4895,"name":4408,"postId":4409,"originalContent":4896,"get_parent":4897,"attributes":4898,"dynamicContent":44},[],"\u003Ch3>Worauf kommt es beim Business-Konto an?\u003C\u002Fh3>",{},{"content":4899,"level":65,"anchor":4422},"Worauf kommt es beim Business-Konto an?",{"innerBlocks":4901,"name":4417,"postId":4409,"originalContent":4902,"get_parent":4903,"attributes":4904,"dynamicContent":44},[],"\u003Cp>Geschäftskonten funktionieren im Prinzip genauso wie dein normales Konto. Darauf solltest du bei der Auswahl achten:\u003C\u002Fp>",{},{"content":4905,"dropCap":18,"anchor":4422},"Geschäftskonten funktionieren im Prinzip genauso wie dein normales Konto. Darauf solltest du bei der Auswahl achten:",{"innerBlocks":4907,"name":4497,"postId":4409,"originalContent":4908,"get_parent":4909,"attributes":4910,"dynamicContent":44},[],"\u003Cul>\u003Cli>Kostenlose Kontoführung\u003C\u002Fli>\u003Cli>Günstiger Dispo\u003C\u002Fli>\u003Cli>Girocard oder Kreditkarte inklusive\u003C\u002Fli>\u003Cli>Möglichkeit, Unterkonten zu eröffnen\u003C\u002Fli>\u003Cli>Umsatzsteuerausweis für das Finanzamt\u003C\u002Fli>\u003Cli>Geringe Kosten für Ein- und Auszahlungen\u003C\u002Fli>\u003Cli>Kostenlose Überweisungen und Lastschriften\u003C\u002Fli>\u003Cli>Weitere Leistungen wie Netzwerkveranstaltungen\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":18,"values":4911,"anchor":4422},"\u003Cli>Kostenlose Kontoführung\u003C\u002Fli>\u003Cli>Günstiger Dispo\u003C\u002Fli>\u003Cli>Girocard oder Kreditkarte inklusive\u003C\u002Fli>\u003Cli>Möglichkeit, Unterkonten zu eröffnen\u003C\u002Fli>\u003Cli>Umsatzsteuerausweis für das Finanzamt\u003C\u002Fli>\u003Cli>Geringe Kosten für Ein- und Auszahlungen\u003C\u002Fli>\u003Cli>Kostenlose Überweisungen und Lastschriften\u003C\u002Fli>\u003Cli>Weitere Leistungen wie Netzwerkveranstaltungen\u003C\u002Fli>",{"innerBlocks":4913,"name":4408,"postId":4409,"originalContent":4914,"get_parent":4915,"attributes":4916,"dynamicContent":44},[],"\u003Ch3>Wann kann ich mein Privatkonto als Geschäftskonto nutzen?\u003C\u002Fh3>",{},{"content":4917,"level":65,"anchor":4422},"Wann kann ich mein Privatkonto als Geschäftskonto nutzen?",{"innerBlocks":4919,"name":4417,"postId":4409,"originalContent":4920,"get_parent":4921,"attributes":4922,"dynamicContent":44},[],"\u003Cp>Als Freiberufler kannst du dein Privatkonto bei einigen Banken als Geschäftskonto nutzen. Grundvoraussetzung dafür ist, dass du keine Umsatzsteuer abführen musst – du also Kleinunternehmer bist. Viele Banken verbieten die Verwendung allerdings für geschäftliche Zwecke. Unabhängig davon empfehlen wir für eine bessere Trennung zwischen Geschäft und Privatleben die Einrichtung getrennter Konten. Dem Onlinebanking sei Dank, gibt es inzwischen zahlreiche Gratis-Kontomodelle für Freiberufler.\u003C\u002Fp>",{},{"content":4923,"dropCap":18,"anchor":4422},"Als Freiberufler kannst du dein Privatkonto bei einigen Banken als Geschäftskonto nutzen. Grundvoraussetzung dafür ist, dass du keine Umsatzsteuer abführen musst – du also Kleinunternehmer bist. Viele Banken verbieten die Verwendung allerdings für geschäftliche Zwecke. Unabhängig davon empfehlen wir für eine bessere Trennung zwischen Geschäft und Privatleben die Einrichtung getrennter Konten. Dem Onlinebanking sei Dank, gibt es inzwischen zahlreiche Gratis-Kontomodelle für Freiberufler.",{"innerBlocks":4925,"name":4408,"postId":4409,"originalContent":4926,"get_parent":4927,"attributes":4928,"dynamicContent":44},[],"\u003Ch2>Girokonto mit Schufa-Eintrag oder schlechter Bonität\u003C\u002Fh2>",{},{"content":4929,"level":109,"anchor":4422},"Girokonto mit Schufa-Eintrag oder schlechter Bonität",{"innerBlocks":4931,"name":4417,"postId":4409,"originalContent":4932,"get_parent":4933,"attributes":4934,"dynamicContent":44},[],"\u003Cp>Das Leben nimmt manchmal tragische Wendungen. Zahlungsschwierigkeiten und Überziehungen belasten die Bonität. Im schlimmsten Fall schlagen sie sich in der Schufa nieder. Damit erschweren sie dir die Eröffnung eines neuen Kontos. Denn ohne Schufa-Auskunft machen viele Banken kein Geschäft. So gehst du in dieser Situation richtig vor.\u003C\u002Fp>",{},{"content":4935,"dropCap":18,"anchor":4422},"Das Leben nimmt manchmal tragische Wendungen. Zahlungsschwierigkeiten und Überziehungen belasten die Bonität. Im schlimmsten Fall schlagen sie sich in der Schufa nieder. Damit erschweren sie dir die Eröffnung eines neuen Kontos. Denn ohne Schufa-Auskunft machen viele Banken kein Geschäft. So gehst du in dieser Situation richtig vor.",{"innerBlocks":4937,"name":4408,"postId":4409,"originalContent":4938,"get_parent":4939,"attributes":4940,"dynamicContent":44},[],"\u003Ch3>Welche Girokonten eignen sich jetzt?\u003C\u002Fh3>",{},{"content":4941,"level":65,"anchor":4422},"Welche Girokonten eignen sich jetzt?",{"innerBlocks":4943,"name":4417,"postId":4409,"originalContent":4944,"get_parent":4945,"attributes":4946,"dynamicContent":44},[],"\u003Cp>Mit negativen Schufa-Einträgen bleibt oftmals nur ein Basiskonto. Du kannst es nicht überziehen, weil dir kein Dispo eingeräumt wird. Das Gute: Du kannst das Guthabenkonto – wie ein klassisches Girokonto auch – jederzeit unkompliziert zu einem P-Konto umwandeln. Geht eine Pfändung auf deinem Konto ein, bleibt dir dann trotzdem wenigstens das Existenzminimum. Über dieses verfügst du wie gewohnt.\u003C\u002Fp>",{},{"content":4947,"dropCap":18,"anchor":4422},"Mit negativen Schufa-Einträgen bleibt oftmals nur ein Basiskonto. Du kannst es nicht überziehen, weil dir kein Dispo eingeräumt wird. Das Gute: Du kannst das Guthabenkonto – wie ein klassisches Girokonto auch – jederzeit unkompliziert zu einem P-Konto umwandeln. Geht eine Pfändung auf deinem Konto ein, bleibt dir dann trotzdem wenigstens das Existenzminimum. Über dieses verfügst du wie gewohnt.",{"innerBlocks":4949,"name":4408,"postId":4409,"originalContent":4950,"get_parent":4951,"attributes":4952,"dynamicContent":44},[],"\u003Ch3>Was muss ich beachten?\u003C\u002Fh3>",{},{"content":4953,"level":65,"anchor":4422},"Was muss ich beachten?",{"innerBlocks":4955,"name":4417,"postId":4409,"originalContent":4956,"get_parent":4957,"attributes":4958,"dynamicContent":44},[],"\u003Cp>Seit der Einführung des Zahlungskontengesetzes 2016 kannst du bei jeder Bank ein Basiskonto eröffnen. Vorher waren nur die Sparkassen verpflichtet, Guthabenkonten anzubieten. Ein Wermutstropfen sind die Kontoführungsgebühren: Kostenlose Konten gibt es im Basismodell so gut wie gar nicht. Sie beträgt im Durchschnitt 6€ im Monat.\u003C\u002Fp>",{},{"content":4959,"dropCap":18,"anchor":4422},"Seit der Einführung des Zahlungskontengesetzes 2016 kannst du bei jeder Bank ein Basiskonto eröffnen. Vorher waren nur die Sparkassen verpflichtet, Guthabenkonten anzubieten. Ein Wermutstropfen sind die Kontoführungsgebühren: Kostenlose Konten gibt es im Basismodell so gut wie gar nicht. Sie beträgt im Durchschnitt 6€ im Monat.",{"innerBlocks":4961,"name":4408,"postId":4409,"originalContent":4962,"get_parent":4963,"attributes":4964,"dynamicContent":44},[],"\u003Ch2>Girokonto für Ausländer\u003C\u002Fh2>",{},{"content":4965,"level":109,"anchor":4422},"Girokonto für Ausländer",{"innerBlocks":4967,"name":4417,"postId":4409,"originalContent":4968,"get_parent":4969,"attributes":4970,"dynamicContent":44},[],"\u003Cp>Der deutsche Pass ist keine Voraussetzung für die Kontoeröffnung. Du musst dich ausweisen – welches Land dein Dokument ausgestellt hat, interessiert die Bank im ersten Moment nicht. Je nach Herkunftsland sind jedoch steuerrechtliche Normen zu beachten.\u003C\u002Fp>",{},{"content":4971,"dropCap":18,"anchor":4422},"Der deutsche Pass ist keine Voraussetzung für die Kontoeröffnung. Du musst dich ausweisen – welches Land dein Dokument ausgestellt hat, interessiert die Bank im ersten Moment nicht. Je nach Herkunftsland sind jedoch steuerrechtliche Normen zu beachten.",{"innerBlocks":4973,"name":4408,"postId":4409,"originalContent":4974,"get_parent":4975,"attributes":4976,"dynamicContent":44},[],"\u003Ch2>Wie gehe ich vor?\u003C\u002Fh2>",{},{"content":4977,"level":109,"anchor":4422},"Wie gehe ich vor?",{"innerBlocks":4979,"name":4417,"postId":4409,"originalContent":4980,"get_parent":4981,"attributes":4982,"dynamicContent":44},[],"\u003Cp>Wenn du als Ausländer in Deutschland ein Konto eröffnen möchtest, funktioniert der Prozess genauso wie für Inländer. Stolpersteine lauern bei steuerlichen Fragen. Hierbei hilft dir der Support deiner Wunschbank gerne weiter.\u003C\u002Fp>",{},{"content":4983,"dropCap":18,"anchor":4422},"Wenn du als Ausländer in Deutschland ein Konto eröffnen möchtest, funktioniert der Prozess genauso wie für Inländer. Stolpersteine lauern bei steuerlichen Fragen. Hierbei hilft dir der Support deiner Wunschbank gerne weiter.",{"innerBlocks":4985,"name":4408,"postId":4409,"originalContent":4986,"get_parent":4987,"attributes":4988,"dynamicContent":44},[],"\u003Ch3>Girokonto für Ausländer ohne Wohnsitz in Deutschland\u003C\u002Fh3>",{},{"content":4989,"level":65,"anchor":4422},"Girokonto für Ausländer ohne Wohnsitz in Deutschland",{"innerBlocks":4991,"name":4417,"postId":4409,"originalContent":4992,"get_parent":4993,"attributes":4994,"dynamicContent":44},[],"\u003Cp>Der inländische Wohnsitz ist neben gültigen Ausweispapieren eine Grundvoraussetzung für die Kontoeröffnung. Wenn du im Ausland lebst, ist das dennoch kein endgültiges Ausschlusskriterium. Wie du die Kontoeröffnung am besten und schnellsten abschließt, verrät dir die Bank deines Vertrauens. Ihre Mitarbeiter können sofort beurteilen, ob dein Kontoantrag Aussicht auf Erfolg hat.\u003C\u002Fp>",{},{"content":4995,"dropCap":18,"anchor":4422},"Der inländische Wohnsitz ist neben gültigen Ausweispapieren eine Grundvoraussetzung für die Kontoeröffnung. Wenn du im Ausland lebst, ist das dennoch kein endgültiges Ausschlusskriterium. Wie du die Kontoeröffnung am besten und schnellsten abschließt, verrät dir die Bank deines Vertrauens. Ihre Mitarbeiter können sofort beurteilen, ob dein Kontoantrag Aussicht auf Erfolg hat.",{"innerBlocks":4997,"name":4408,"postId":4409,"originalContent":4998,"get_parent":4999,"attributes":5000,"dynamicContent":44},[],"\u003Ch2>Wie eröffne ich ein Girokonto?\u003C\u002Fh2>",{},{"content":5001,"level":109,"anchor":4422},"Wie eröffne ich ein Girokonto?",{"innerBlocks":5003,"name":4417,"postId":4409,"originalContent":5004,"get_parent":5005,"attributes":5006,"dynamicContent":44},[],"\u003Cp>Für die Kontoeröffnung stehen dir 2 Wege offen:\u003C\u002Fp>",{},{"content":5007,"dropCap":18,"anchor":4422},"Für die Kontoeröffnung stehen dir 2 Wege offen:",{"innerBlocks":5009,"name":4497,"postId":4409,"originalContent":5010,"get_parent":5011,"attributes":5012,"dynamicContent":44},[],"\u003Col>\u003Cli>In der Filiale vereinbarst du einen Termin. Dein Berater findet mit dir gemeinsam das passende Konto. Im Anschluss übernimmt er den Papierkram für dich und richtet dein Konto ein. Alles, was du dafür tun musst, ist, deinen Personalausweis oder Reisepass zum Termin mitzubringen.\u003C\u002Fli>\u003Cli>Online suchst du selbst nach dem passenden Konto. Du machst Angaben zu deiner persönlichen und beruflichen Situation und legitimierst dich. Die Einrichtung dauert, je nach Bank, nur wenige Minuten bis zu einer Woche.\u003C\u002Fli>\u003C\u002Fol>",{},{"ordered":17,"values":5013,"anchor":4422},"\u003Cli>In der Filiale vereinbarst du einen Termin. Dein Berater findet mit dir gemeinsam das passende Konto. Im Anschluss übernimmt er den Papierkram für dich und richtet dein Konto ein. Alles, was du dafür tun musst, ist, deinen Personalausweis oder Reisepass zum Termin mitzubringen.\u003C\u002Fli>\u003Cli>Online suchst du selbst nach dem passenden Konto. Du machst Angaben zu deiner persönlichen und beruflichen Situation und legitimierst dich. Die Einrichtung dauert, je nach Bank, nur wenige Minuten bis zu einer Woche.\u003C\u002Fli>",{"innerBlocks":5015,"name":4417,"postId":4409,"originalContent":5016,"get_parent":5017,"attributes":5018,"dynamicContent":44},[],"\u003Cp>Den kompletten \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002Fkonto-eroeffnen\u002F\">Kontoeröffnungsprozess\u003C\u002Fa> und was du dabei beachten musst, haben wir bereits zusammengefasst.\u003C\u002Fp>",{},{"content":5019,"dropCap":18,"anchor":4422},"Den kompletten \u003Ca href=\"\u002Fgirokonto\u002Fkonto-eroeffnen\u002F\" class=\"app-link\">Kontoeröffnungsprozess\u003C\u002Fa> und was du dabei beachten musst, haben wir bereits zusammengefasst.",{"innerBlocks":5021,"name":4408,"postId":4409,"originalContent":5022,"get_parent":5023,"attributes":5024,"dynamicContent":44},[],"\u003Ch2>Wie funktioniert ein Kontowechsel?\u003C\u002Fh2>",{},{"content":5025,"level":109,"anchor":4422},"Wie funktioniert ein Kontowechsel?",{"innerBlocks":5027,"name":4417,"postId":4409,"originalContent":5028,"get_parent":5029,"attributes":5030,"dynamicContent":44},[],"\u003Cp>Glücklicherweise ist die Entscheidung für eine Bank nicht endgültig. Du kannst jederzeit dein \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002Fkontowechsel\u002F\">Konto wechseln\u003C\u002Fa>. Damit sicherst du dir noch bessere Konditionen und Leistungen. Mithilfe eines Kontowechselservices geht es besonders bequem und schnell: Du beauftragst deine neue Bank mit dem Kontoumzug. Sie informiert dann alle deine Zahlungspartner über deine neue Bankverbindung, überträgt dein Guthaben und schließt dein altes Konto.\u003C\u002Fp>",{},{"content":5031,"dropCap":18,"anchor":4422},"Glücklicherweise ist die Entscheidung für eine Bank nicht endgültig. Du kannst jederzeit dein \u003Ca href=\"\u002Fgirokonto\u002Fkontowechsel\u002F\" class=\"app-link\">Konto wechseln\u003C\u002Fa>. Damit sicherst du dir noch bessere Konditionen und Leistungen. Mithilfe eines Kontowechselservices geht es besonders bequem und schnell: Du beauftragst deine neue Bank mit dem Kontoumzug. Sie informiert dann alle deine Zahlungspartner über deine neue Bankverbindung, überträgt dein Guthaben und schließt dein altes Konto.",{"innerBlocks":5033,"name":4408,"postId":4409,"originalContent":5034,"get_parent":5035,"attributes":5036,"dynamicContent":44},[],"\u003Ch2>Wie kündige ich mein Girokonto?\u003C\u002Fh2>",{},{"content":5037,"level":109,"anchor":4422},"Wie kündige ich mein Girokonto?",{"innerBlocks":5039,"name":4417,"postId":4409,"originalContent":5040,"get_parent":5041,"attributes":5042,"dynamicContent":44},[],"\u003Cp>Du brauchst dein Konto nicht mehr oder hast schon ein besseres? Dann ist die \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgirokonto\u002Fkonto-kuendigen\u002F\">Kontokündigung\u003C\u002Fa> eine gute Idee. So sparst du dir Kontoführungsgebühren und vermeidest unerwünschte Zahlungen. Du musst dabei keine Frist beachten. Dennoch solltest du vor der Schließung an folgende Dinge denken:\u003C\u002Fp>",{},{"content":5043,"dropCap":18,"anchor":4422},"Du brauchst dein Konto nicht mehr oder hast schon ein besseres? Dann ist die \u003Ca href=\"\u002Fgirokonto\u002Fkonto-kuendigen\u002F\" class=\"app-link\">Kontokündigung\u003C\u002Fa> eine gute Idee. So sparst du dir Kontoführungsgebühren und vermeidest unerwünschte Zahlungen. Du musst dabei keine Frist beachten. Dennoch solltest du vor der Schließung an folgende Dinge denken:",{"innerBlocks":5045,"name":4461,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":5046,"attributes":5047},[],{},{"name":4461,"data":5048},{"icon_list_0_icon_list_description":5049,"icon_list_0_icon_list_icon":5050,"icon_list_1_icon_list_description":5051,"icon_list_1_icon_list_icon":5050,"icon_list_2_icon_list_description":5052,"icon_list_2_icon_list_icon":5050,"icon_list":65},"Hast du zum neuen Konto schon eine Karte?","unchecked","Laufen noch Zahlungsströme über dein altes Konto? Denke auch an seltene Einnahmen und Ausgaben.","Belasse etwas Guthaben auf dem Konto, damit die Bank es abrechnen kann. So vermeidest du mögliche Sollzinsen",{"innerBlocks":5054,"name":4408,"postId":4409,"originalContent":5055,"get_parent":5056,"attributes":5057,"dynamicContent":44},[],"\u003Ch2>Fazit\u003C\u002Fh2>",{},{"content":5058,"level":109,"anchor":4422},"Fazit",{"innerBlocks":5060,"name":4417,"postId":4409,"originalContent":5061,"get_parent":5062,"attributes":5063,"dynamicContent":44},[],"\u003Cp>Das Girokonto ist die Basis für deine Teilhabe am Wirtschaftsleben. Deshalb kannst du immer eines eröffnen – unabhängig von deiner beruflichen und finanziellen Situation. Mit unserem Kontovergleich findest du das Konto, das am besten zu dir passt. Bestenfalls bietet dir das Girokonto alle Leistungen, die du benötigst, zum besten Preis. Mit einer Kreditkarte und einem Dispokredit bleibst du finanziell flexibel. Überraschende Ausgaben sind dann kein Problem mehr. Natürlich haben wir auch hierzu einen Vergleich. So viel verraten wir schon vorab: Jahresgebühren für die \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002F\">Kreditkarte\u003C\u002Fa> müssen heutzutage nicht mehr sein.\u003C\u002Fp>",{},{"content":5064,"dropCap":18,"anchor":4422},"Das Girokonto ist die Basis für deine Teilhabe am Wirtschaftsleben. Deshalb kannst du immer eines eröffnen – unabhängig von deiner beruflichen und finanziellen Situation. Mit unserem Kontovergleich findest du das Konto, das am besten zu dir passt. Bestenfalls bietet dir das Girokonto alle Leistungen, die du benötigst, zum besten Preis. Mit einer Kreditkarte und einem Dispokredit bleibst du finanziell flexibel. Überraschende Ausgaben sind dann kein Problem mehr. Natürlich haben wir auch hierzu einen Vergleich. So viel verraten wir schon vorab: Jahresgebühren für die \u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002F\" class=\"app-link\">Kreditkarte\u003C\u002Fa> müssen heutzutage nicht mehr sein.",{"innerBlocks":5066,"name":4417,"postId":4409,"originalContent":5067,"get_parent":5068,"attributes":5069,"dynamicContent":44},[],"\u003Cp>Der Wechsel von deiner alten Bank zu deinem Wunschkonto geht schnell und einfach. Du hast die Wahl, ob du den Kontoumzug bequem per Wechselservice erledigen lässt oder deine bisherige Bankverbindung selbst schließt. Beide Varianten haben ihre Vorteile. Kompliziert ist keine. Mit dem Wechsel zum passenden Anbieter kannst du eine beträchtliche Summe an Gebühren sparen, kommst in den Genuss von perfektem Service und sicherst dir mit etwas Glück auch noch eine Wechselprämie. Wozu also warten? Eröffne gleich das Konto, das dich glücklich macht.\u003C\u002Fp>",{},{"content":5070,"dropCap":18,"anchor":4422},"Der Wechsel von deiner alten Bank zu deinem Wunschkonto geht schnell und einfach. Du hast die Wahl, ob du den Kontoumzug bequem per Wechselservice erledigen lässt oder deine bisherige Bankverbindung selbst schließt. Beide Varianten haben ihre Vorteile. Kompliziert ist keine. Mit dem Wechsel zum passenden Anbieter kannst du eine beträchtliche Summe an Gebühren sparen, kommst in den Genuss von perfektem Service und sicherst dir mit etwas Glück auch noch eine Wechselprämie. Wozu also warten? Eröffne gleich das Konto, das dich glücklich macht.",{"innerBlocks":5072,"name":5073,"postId":4409,"originalContent":5074,"get_parent":5075,"attributes":5076,"dynamicContent":44},[],"core\u002Fembed","\u003Cfigure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\u003Cdiv class=\"wp-block-embed__wrapper\">\nhttps:\u002F\u002Fwww.youtube.com\u002Fwatch?v=qoaeBHq4k-A\n\u003C\u002Fdiv>\u003C\u002Ffigure>",{},{"caption":4422,"allowResponsive":17,"responsive":17,"previewable":17,"url":5077,"type":5078,"providerNameSlug":5079,"className":5080},"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=qoaeBHq4k-A","video","youtube","wp-embed-aspect-16-9 wp-has-aspect-ratio",{"innerBlocks":5082,"name":4408,"postId":4409,"originalContent":5083,"get_parent":5084,"attributes":5085,"dynamicContent":44},[],"\u003Ch2>Weitere Girokonto-Vergleiche\u003C\u002Fh2>",{},{"content":5086,"level":109,"anchor":4422},"Weitere Girokonto-Vergleiche",{"innerBlocks":5088,"name":5089,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":5090,"attributes":5091},[],"acf\u002Fbox-other-topic",{},{"name":5089,"data":5092},{"box_other_topic_description":5093},"\u003Cul>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fkostenlos\u002F\" class=\"app-link\">Kostenlose Girokonten\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fkostenlos-ohne-mindesteingang\u002F\" class=\"app-link\">Kostenlose Girokonten ohne Mindesteingang\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fmit-unterkonten\u002F\" class=\"app-link\">Girokonto mit Unterkonten\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fpraemien\u002F\" class=\"app-link\">Girokonten mit Startprämie\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003Cdiv id=\"gtx-trans\" style=\"position: absolute; left: 38px; top: -9.78819px;\">\r\n\u003Cdiv class=\"gtx-trans-icon\">\u003C\u002Fdiv>\r\n\u003C\u002Fdiv>",{"innerBlocks":5095,"name":4408,"postId":4409,"originalContent":5096,"get_parent":5097,"attributes":5098,"dynamicContent":44},[],"\u003Ch2>Girokonten im Überblick\u003C\u002Fh2>",{},{"content":5099,"level":109,"anchor":4422},"Girokonten im Überblick",{"innerBlocks":5101,"name":5089,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":5102,"attributes":5103},[],{},{"name":5089,"data":5104},{"box_other_topic_description":5105},"\u003Cul>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002F1822direkt\u002F\" class=\"app-link\">1822 Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fcomdirect\u002F\" class=\"app-link\">Comdirekt Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fdkb\u002F\" class=\"app-link\">DKB Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fing\u002F\" class=\"app-link\">ING DiBa Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fn26\u002F\" class=\"app-link\">N26 Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fnorisbank\u002F\" class=\"app-link\">Norisbank Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Ftargobank\u002F\" class=\"app-link\">Targobank Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Ftomorrow\u002F\" class=\"app-link\">Tomorrow Bank Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fgirokonto\u002Fvivid\u002F\" class=\"app-link\">Vivid Money Girokonto\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003Cdiv id=\"gtx-trans\" style=\"position: absolute; left: 27px; top: 110.264px;\">\r\n\u003Cdiv class=\"gtx-trans-icon\">\u003C\u002Fdiv>\r\n\u003C\u002Fdiv>",{"innerBlocks":5107,"name":4408,"postId":4409,"originalContent":5108,"get_parent":5109,"attributes":5110,"dynamicContent":44},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":5111,"level":109,"anchor":4422},"Häufig gestellte Fragen",{"innerBlocks":5113,"name":5114,"postId":4409,"originalContent":4422,"saveContent":4422,"get_parent":5115,"attributes":5116},[],"acf\u002Faccordion",{},{"name":5114,"data":5117},{"accordion_0_accordion_description":5118,"accordion_0_accordion_headline":5119,"accordion_1_accordion_description":5120,"accordion_1_accordion_headline":5121,"accordion_2_accordion_description":5122,"accordion_2_accordion_headline":5123,"accordion":65},"Wichtig ist, ob dein neues Girokonto die Funktionen ausreichend erfüllt, die du benötigst: Dabei kann kostenloses Abheben im Vordergrund stehen oder ein übersichtliches Online-Banking. Schaue auch auf (versteckte) Kosten: Manche Anbieter verlangen Geld für Kontoauszüge oder für das Bezahlen und Abheben im Ausland. Entscheiden musst du dich auch, ob du eine Filialbank oder eine Direktbank wählen willst. Ebenso stellt sich die Frage, ob eine Girocard oder eine Kreditkarte für dich besser ist. Gut kannst du solche Punkte bei einem Girokonto-Vergleich gegenüberstellen.","Worauf muss ich bei einem Girokonto achten?","Wichtig ist, dass dein Konto gedeckt ist und keine offenen Lastschriften ausstehen. Auch regelmäßige Lastschriften musst du auf dein neues Konto ändern. Viele Girokonto-Anbieter haben jedoch einen Kontowechsel-Service, der dies für dich übernimmt.","Was muss man beim Girokonto-Wechsel beachten?","Ein einfaches Girokonto bekommst du bei einigen Anbietern kostenlos, also ohne Kontoführungsgebühr. Achte hierbei darauf, ob Bedingungen, wie ein Gehaltseingang, erfüllt werden müssen. Kosten können beispielsweise für das Abheben im In- und Ausland entstehen oder zusätzliche Bankkarten.","Mit welchen Kosten muss ich bei einem Girokonto rechnen?",[5125,5128],{"title":5126,"link":5127},"Vergleich","\u002Fvergleich",{"title":5129,"link":4422},"Girokonto","cG9zdDozMDUyMTgw",{"__typename":5132,"metaDesc":5133,"opengraphType":5134,"opengraphTitle":5135,"opengraphSiteName":5136,"opengraphImage":5137,"metaRobotsNoindex":5144,"metaRobotsNofollow":5145,"opengraphDescription":5133,"opengraphModifiedTime":5146,"opengraphPublishedTime":4422,"twitterTitle":4422,"twitterDescription":4422,"title":5135,"readingTime":1015},"PostTypeSEO","Test Meta Beschreibung","article","Girokonto-Vergleich 2024","Staging Finanzfluss",{"__typename":5138,"sourceUrl":5139,"mediaDetails":5140},"MediaItem","https:\u002F\u002Fstaging-content.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F04\u002Ffinanzfluss-homepage.png",{"__typename":5141,"width":5142,"height":5143},"MediaDetails",1922,1651,"noindex","follow","2025-07-16T16:42:10+00:00","https:\u002F\u002Fvg01.met.vgwort.de\u002Fna\u002Fc70b4f68ae9849c9b6894da72fc74c7b","\u002Fvergleich\u002Fgirokonto\u002F","main-comparison",1783332081489]