✓170 euro bonus for opening the account with credit card use
✓Free account management from 700 euros in income or under age 30
✓Free withdrawals at Sparkasse ATMs in Germany
✓3.20% p.a. interest on the automatically opened savings account
✕ Cons
✕4.90 euro fee without sufficient incoming payments
✕Credit cards become chargeable from the second year (3-6 euros/month)
✕Bonus requires active use of a Visa credit card
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