Comparing German Current Accounts — What Really Matters When You Switch

Comparing German Current Accounts — The 5 Criteria That Really Count

Comparing your Girokonto can save you up to €200 a year. But what really matters?

1. Account Fee

Many direct banks offer free accounts — but conditions often apply: minimum monthly income (€700–1,000) or minimum card transactions. Read the fine print.

2. ATM Network

Third-party fees are usually €2–5 per withdrawal. At 4 withdrawals per month that's up to €240 per year.

3. App and Online Banking

A good app enables: 24/7 transfers, self-managed standing orders, spending categorisation, instant card blocking and push notifications.

4. Customer Service

Check: 24/7 phone support, chat response time, German-language emergency hotline.

5. Additional Services

Free credit card, cashback up to 1%, free international transfers, securities depot.

Summary

The right current account saves money and headaches. Compare for free on BankSorter.com.