Personal accounts in Germany

✓ Pros

• ✓Free account management for customers under 30 or with ≥€500 monthly incoming payments
• ✓Free debit card and optional free credit card
• ✓Worldwide fee-free cash withdrawals from €50
• ✓Automated account-switching service included

✕ Cons

• ✕€120 bonus only with a simultaneous savings account and several further conditions
• ✕€3.90 quarterly fee outside the fee-waiver conditions
• ✕App features not documented in detail on the offer page
• ✕Bonus payout delayed by several months

✓ Pros

• ✓EUR 150 bonus (EUR 100 credit + EUR 50 environmental donation)
• ✓Free account management in the first year
• ✓Mastercard with unlimited free withdrawals in Germany, the EU and the EEA
• ✓Explicitly ecological, community-oriented business model

✕ Cons

• ✕EUR 4.90 monthly account fee from year two onward
• ✕Only EUR 100 of the EUR 150 bonus lands as own credit
• ✕No account-switching service
• ✕No branches available