Ranking of personal accounts in Germany - October 2026
15 offers · Sorted by: highest bonus first
In October 2026 we compared the best Personal accounts available, ranked by signup bonus. Bonuses ranged from 100 € to 250 €. Top offer: Consorsbank with "Consorsbank! Girokonto" - 250 € bonus. This ranking covers offers available in Germany.
Offer ranking - October 2026
BestGiro
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Compare all personal accountsHow is this ranking created?
We checked 15 personal accounts offers in Germany for you in w October 2026. Offers are selected using a composite score: signup bonus (50%), product badge count (30%) and user popularity (20%). The order in the table follows the bonus amount alone; ties are settled alphabetically. Partner commission does not affect selection or position.
What to watch out for when choosing a personal account
What to watch out for when choosing a personal account
Accounts advertised as free usually require meeting a condition - a minimum monthly deposit or a minimum number of card transactions. Missing the condition means a monthly fee, despite the account looking free in the ad. Also check ATM withdrawal costs, especially abroad, and the exact terms for any account-opening bonus - banks typically require several months of activity before it's paid out.
What documents do you need to open an account?
Opening a personal account online usually just needs photo ID and quick identity verification - a verification transfer from another account or a video call. Foreign residents may additionally need a national ID number or proof of local address - requirements vary by bank.
A personal account is the foundation of everyday banking. Look for: conditions to waive monthly fees, ATM network, cashback on purchases and the quality of the mobile app.