Business accounts in Germany

✓ Pros

• ✓Online transactions free regardless of volume
• ✓Credit card included in the price as standard
• ✓EU-wide deposit protection up to €100,000
• ✓Suitable for almost any business form, from freelancers to GmbHs

✕ Cons

• ✕No phone service or branch, online and app only
• ✕Live offer page unavailable at time of check, current terms not additionally verified
• ✕No information available on an overdraft facility
• ✕Annual base fee of €84 applies even with light account usage

✓ Pros

• ✓Cheaper base fee than the Business ClassicKonto (14.90 instead of 24.90 euros per month)
• ✓Free cash withdrawals at partner ATMs in more than 60 countries worldwide
• ✓Debit card included in the base price
• ✓Deposit protection up to 100,000 euros

✕ Cons

• ✕Paper-based transactions notably expensive at 3.00 euros per item
• ✕No welcome bonus for new customers
• ✕No information on any base-fee waiver
• ✕Additional cards cost an extra 10.00 euros per year

✓ Pros

• ✓Branch network, phone advice and app all available at once
• ✓Free cash withdrawals at partner ATMs in more than 60 countries worldwide
• ✓Debit card included in the base price
• ✓Deposit protection up to 100,000 euros

✕ Cons

• ✕High monthly base fee of 24.90 euros with no apparent waiver option
• ✕Paper-based transactions notably expensive at 3.00 euros per item
• ✕No welcome bonus for new customers
• ✕Optional BusinessCard credit card costs an extra 29.00 euros per year

✓ 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

• ✓Two debit cards and two credit cards already included in the account price
• ✓Deposit protection up to 100,000 € via the Entschädigungseinrichtung deutscher Banken
• ✓Very low fee for digital SEPA transactions (0.10 €)
• ✓Accessible via online banking, app, phone and branch
• ✓Second business account with a 100% discount plus a fee-free sub-account available

✕ Cons

• ✕Monthly base fee of 39.90 € regardless of actual usage
• ✕No apparent conditions for a fee waiver
• ✕Paper-based transactions are comparatively expensive at 3.00 €
• ✕No account-opening bonus currently offered
• ✕Overdraft terms are not transparently disclosed

✓ 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

• ✓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

• ✓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

• ✓Free account maintenance with no booking limit
• ✓Unlimited free bookings per month
• ✓Automatic calculation of income tax and VAT built in
• ✓Physical card plus Apple Pay and Google Pay included
• ✓Deposit protection up to EUR 100,000 at 100%

✕ Cons

• ✕1.35% fee for Tap-to-Pay payments with EEA cards
• ✕No figure given for the arranged overdraft rate
• ✕No welcome bonus
• ✕Clear focus on solo self-employed people, less on larger businesses

✓ 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

• ✓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

• ✓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

• ✓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

• ✓0 euro base fee in the first year through the Kennenlernangebot promotion
• ✓Up to 190.80 euros base-fee refund when the participation conditions are met
• ✓First 10 paperless transactions per month free of charge
• ✓Credit cards usable at around 2 million ATMs worldwide

✕ Cons

• ✕Bonus only available with marketing consent and a completed advisory consultation
• ✕Regular base fee of 15.90 euros per month from year two onward
• ✕Paper-based transactions relatively expensive at 2.50 euros per item
• ✕Add-on cards with an extended feature set cost noticeably extra (5.90 euros/month or 79.90 euros/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

• ✓First year completely free
• ✓Up to two debit cards included in the price
• ✓SEPA instant transfers priced the same as regular online bookings
• ✓Branch network and phone support in addition to online banking and the app

✕ Cons

• ✕€24.90 monthly base fee from the second year onward
• ✕Offline orders cost significantly more (€3) than online transactions
• ✕Designed only for doctors, dentists, and pharmacists
• ✕No information on overdraft interest rates

✓ Pros

• ✓€100 online bonus when opening the account
• ✓Only €8.90 account fee for the first 24 months
• ✓50 free online transactions per month
• ✓Girocard included in the base price
• ✓Linkable instant-access savings account at 2.75% p.a. for 4 months
• ✓Advice available online, by phone, in branch, or via app

✕ Cons

• ✕Fee rises to €34.90 per month after 24 months
• ✕Bonus requires marketing consent and an advisory meeting
• ✕Paper-based orders always cost €2.50 with no free allowance
• ✕Additional cards cost extra (€5.90/month or €79.90/year)
• ✕No permanent fee waiver available