Business accounts in Germany

✓ 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 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

• ✓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

• ✓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

• ✓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

• ✓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 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

• ✓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

• ✓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

• ✓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