Business accounts in Germany

✓ Pros

• ✓Free account maintenance with no monthly base fee
• ✓Unlimited number of virtual and physical Visa cards
• ✓Individual spending limits adjustable per card
• ✓API integration for a company's own systems
• ✓International availability across the EEA, UK, UAE, Singapore, USA and Canada

✕ Cons

• ✕No reliable information available on deposit protection
• ✕No figure given for the arranged overdraft rate
• ✕No welcome bonus
• ✕Detailed fee structure only viewable in the provider's separate pricing section

✓ Pros

• ✓Online transactions and SEPA Instant transfers are free
• ✓Virtual and physical card included in the price
• ✓Fully digital account management via app
• ✓Two free trial months for new customers

✕ Cons

• ✕No own deposit guarantee scheme, as it is not a classic bank account
• ✕Current price (€18.90/month) noticeably higher than the originally listed annual price
• ✕No branches, online/phone/app only
• ✕Only for freelancers and sole traders, not for corporate entities

✓ Pros

• ✓Permanently free account management, per the provider
• ✓Unlimited, free SEPA transfers
• ✓Free virtual and physical card
• ✓Cashback of up to 2% in selected categories
• ✓4% p.a. balance interest for the first four months

✕ Cons

• ✕No deposit protection, since Vivid is not a bank
• ✕Outgoing SWIFT transfers not available
• ✕Balance interest drops to 0.5% p.a. after 4 months
• ✕Overdraft interest rate unconfirmed on provider site

✓ Pros

• ✓Five free SWIFT transfers per month
• ✓Cashback of up to 4% in selected categories
• ✓2.5% p.a. balance interest after the initial phase
• ✓Free virtual and physical card
• ✓Two months free with annual payment

✕ Cons

• ✕€6.90/month account fee
• ✕No deposit protection, since Vivid is not a bank
• ✕€5 per SWIFT transfer from the sixth one in a month
• ✕Overdraft interest rate unconfirmed on provider site

✓ Pros

• ✓Free account maintenance with no minimum deposit
• ✓Online bookings are free throughout, according to the underlying data
• ✓Free debit Mastercard with no SCHUFA credit check
• ✓Five free SEPA transfers per month

✕ Cons

• ✕No specific fee stated for SEPA transfers beyond the free allowance
• ✕No reliable information available on deposit protection
• ✕No rate given for an arranged overdraft facility
• ✕No welcome bonus

✓ Pros

• ✓Physical One Card Mastercard plus two virtual cards included in the Basic plan
• ✓First 30 online transactions per month free of charge
• ✓Deposit protection up to 100,000 euros under EU directive rules
• ✓Fully manageable online and via the app

✕ Cons

• ✕Realistic bonus for the Basic plan is 200 euros, not the advertised 600 euros
• ✕Bonus requires three months of at least 1,000 euros card spend, with payout only after four months
• ✕No branch or phone advice
• ✕9 euro monthly entry price is exclusive of VAT

✓ Pros

• ✓100 free online transactions included per month
• ✓Two physical and up to 50 virtual Mastercard cards
• ✓Fully digital account management with a mobile app
• ✓€200 welcome bonus for meeting the card-spend requirement

✕ Cons

• ✕Monthly base fee of €19 net (€228 per year)
• ✕Transactions beyond the free allowance cost €0.20 each
• ✕No information provided on overdraft interest rates
• ✕No branch network or phone support apparent

✓ Pros

• ✓According to the provider's current page, permanently free account management
• ✓5 free online bookings a month, then just 0.20 euros per booking
• ✓0 percent interest on tolerated overdrafts

✕ Cons

• ✕Starter welcome bonus is only 200 euros, not the advertised 600 euros
• ✕Bonus requires at least 1,000 euros in card spend for three consecutive months
• ✕Extra costs apply from the 6th online booking each month

✓ Pros

• ✓Account management free until 31 December 2026 due to current promotion
• ✓Branch network and phone support in addition to online banking and the app
• ✓Debit card included free in the first year
• ✓Deposit protection up to €100,000 under the German scheme

✕ Cons

• ✕€12.90 monthly base fee after the promotion ends
• ✕Offline orders cost significantly more (€3) than online transactions (€0.28)
• ✕No credit card included in the base plan
• ✕9.95% overdraft interest rate on an arranged overdraft

✓ Pros

• ✓Account management free until 31 December 2026 due to current promotion
• ✓Cheaper online transaction fee than the base plan (€0.22 vs €0.28)
• ✓Optional credit card available in addition to the debit card
• ✓Branch network and phone support in addition to online banking and the app

✕ Cons

• ✕€16.90 monthly base fee after the promotion ends
• ✕Offline orders cost significantly more (€3) than online transactions
• ✕9.95% overdraft interest rate on an arranged overdraft
• ✕Credit card costs an additional €30 per year after the first year

✓ Pros

• ✓Account maintenance currently free until 31 December 2026
• ✓Low fee of €0.12 per paperless booking
• ✓Statutory deposit protection up to €100,000
• ✓Full service via branch, phone, online, and app
• ✓Broad target group from freelancers to GmbHs

✕ Cons

• ✕Base fee rises to €16.90/month after the promotional period
• ✕Paper-based bookings cost €3 per item
• ✕Credit card is optional and chargeable from year two (€30/year)
• ✕Debit card becomes chargeable from year two (€24/year)

✓ Pros

• ✓Basic account maintenance free of charge according to the provider
• ✓Automatic real-time tax estimate as an app feature
• ✓First 5 paperless transactions per month free of charge
• ✓Deposit protection up to 100,000 euros via the German partner bank Solaris

✕ Cons

• ✕No branch or phone advice, only app and web app
• ✕0.40 euros per item from the 6th transaction per month onward
• ✕Visa card only optional and, per our database, associated with extra costs
• ✕No welcome bonus for new customers

✓ Pros

• ✓Fully digital account management via app and web
• ✓0 percent interest on tolerated overdrafts
• ✓Open to nearly every legal form, from freelancer to GmbH and UG

✕ Cons

• ✕150 euro annual fee with no visible waiver condition
• ✕0.25 euro per online booking with no free allowance
• ✕No reliable data on cards or deposit protection

✓ Pros

• ✓Free online bookings with no volume limit
• ✓At 108 euros a year, cheaper than the Holvi Flex account
• ✓Up to 10 German IBANs and digital bookkeeping with e-invoicing, per the provider

✕ Cons

• ✕108 euro annual fee with no visible waiver condition
• ✕No reliable data on cards or deposit protection
• ✕No data on offline bookings or an arranged overdraft facility

✓ Pros

• ✓100 free online bookings per month
• ✓Digital accounting and e-invoicing already included in the tariff
• ✓Up to 10 German IBANs possible within one account
• ✓30-day free trial period for new customers

✕ Cons

• ✕No classic deposit protection, protected maximum amount €0
• ✕No phone service or branch, online and app only
• ✕No specific information on card products
• ✕€0.25 per booking from the 101st item onward

✓ Pros

• ✓75 free online bookings a month, then just 0.08 euros per booking
• ✓Cash deposits and withdrawals at up to 7,000 locations nationwide
• ✓Free Debit Mastercard with up to 30 euros of cashback

✕ Cons

• ✕Overdraft rate on the provider's page ("from 9.95 percent") is higher than in our product data (6.99 percent)
• ✕Offline bookings at 4 euros per transaction are comparatively expensive
• ✕14.4 percent interest on tolerated, unarranged overdrafts

✓ Pros

• ✓Usable from €0 for freelancers and sole traders
• ✓50 free online bookings per month
• ✓Free debit Mastercard with up to €30 cashback
• ✓Deposit protection above the statutory minimum standard
• ✓Cash deposits and withdrawals possible at up to 7,000 locations

✕ Cons

• ✕€6 per month for corporate entities such as a GmbH
• ✕€0.19 per booking from the 51st item onward
• ✕Paper-based bookings cost €5 per item
• ✕Overdraft facility currently starts at 9.95%, higher than originally listed

✓ Pros

• ✓Free account maintenance for sole proprietors
• ✓50 free online bookings per month
• ✓Free debit Mastercard with cashback option
• ✓Real-time transfers at no extra cost
• ✓Cash deposits and withdrawals at around 7,000 locations nationwide

✕ Cons

• ✕EUR 0.19 per transaction from the 51st online booking onward
• ✕Offline/paper bookings cost a flat EUR 5 per transaction
• ✕A different, fee-based tariff from EUR 6/month applies to GmbH/UG
• ✕No welcome bonus

✓ Pros

• ✓Free in year one, including a debit card
• ✓75 free online booking entries per month
• ✓Wide eligibility: freelancers to GmbH & Co. KG
• ✓Free first-year extras (website, accounting, DATEV, insurance check)
• ✓Cash deposit/withdrawal at ~7,000 locations

✕ Cons

• ✕€10/month fee from year two onward
• ✕Only for businesses founded within the last 365 days
• ✕€4 per paper-based booking entry
• ✕Overdraft interest rate unconfirmed on provider site

✓ Pros

• ✓Unlimited free online transactions with no volume cap
• ✓Credit card included in the monthly price
• ✓Fully digital account management with a mobile app
• ✓Deposit protection up to €100,000 under the EU directive

✕ Cons

• ✕Annual fee of €204 (around €17 per month)
• ✕No information on overdraft interest rates
• ✕No welcome bonus currently listed
• ✕Card provider and card details not specified