Consorsbank • EUR
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Ingrid Schneider · Updated: 3 September 2026
Consorsbank's Girokonto combines a free online checking account with a Visa Card Gold included in the offer. Its target group is broad: employees, pupils, students, apprentices, retirees, freelancers, self-employed people, and even those without employment can open the account.
Account management is permanently free, with no minimum-inflow condition recorded in the source data. No account-opening bonus is listed for this account.
A fixed component of the account is the Visa Card Gold as the credit card, plus a debit card - both are included in the offer, not optional add-ons. This differs from many other checking accounts in this comparison, where the credit card is only available as an optional, extra-cost add-on. The rate for both the arranged and the tolerated overdraft is a uniform 9.65%, applied per quarter and per year respectively - both types of overdraft cost the same rate, just measured over different time periods.
One notable difference from many other German accounts: deposit protection for this account runs through the French deposit guarantee scheme rather than a German one. Protection still stands at €100,000 at 100%, as in the German standard, since the French scheme is based on the same EU directive - but legal jurisdiction lies in France.
The account can be managed online, by phone, and via app; no branch is available. No switching service is offered for this account - moving standing orders and direct debits from your previous bank must be arranged yourself.
The broad target-group definition covers, per the source data, employees, pupils, students, apprentices, retirees, freelancers, self-employed people, and those without employment - covering nearly any life situation. It particularly suits anyone looking for a free gold-status credit card without a separate annual fee and comfortable with pure online, phone, and app banking. For freelancers and self-employed people, who many other providers push toward dedicated business accounts, explicit eligibility for this private checking account is a real plus.
The account is opened online. Since no switching service is offered, it's advisable to manually move standing orders and direct debits to the new account.
The Consorsbank Girokonto with Visa Card Gold impresses with free account management and an included credit card for a very broad audience. Anyone who relies on a switching service or a branch should factor that into their decision; deposit protection running through the French rather than German scheme doesn't change the EU-wide €100,000 coverage.
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