FYRST • EUR
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Ingrid Schneider · Updated: 3 September 2026
FYRST Base is the entry-level tier from business account provider FYRST and targets both founders and freelancers as well as businesses with their own legal personality, such as a GmbH, GbR, OHG, KG, or UG. A look at the live offer page filled in several concrete details missing from the imported product data, confirmed some values exactly, and also revealed a difference in the overdraft terms in one place.
The database lists an annual account maintenance fee of €72, equivalent to €6 per month. The live page adds an important nuance here: for natural persons, i.e. sole traders and freelancers, the account is, according to the provider, usable "from €0", while legal entities such as a GmbH are charged "from €6 per month" — this figure matches exactly the annual price of €72 stored in the database. So freelancers or sole traders opening a FYRST account can potentially get a much cheaper deal than the stated base price suggests, while corporate entities should budget for the full amount.
On booking items, the live page confirms exactly the structure stored in the database: the first 50 paperless online bookings per month are free, and from the 51st booking item onward, €0.19 per item applies. For paper-based bookings, the database lists a fee of €5 per item; the live page provided no differing information on this. Businesses with manageable monthly transaction volumes should generally do well with the 50 free bookings, while businesses with very many individual bookings should factor the additional €0.19 per item into their planning.
Here a discrepancy emerged between the two sources: the database stored a debit interest rate of 7.99% for an arranged overdraft, while the current offer page instead states an "overdraft facility from 9.95%". Since this is the same terms point and the live page is the more current source, this review uses the "from 9.95%" figure as authoritative — the actual rate in an individual case may be even higher depending on creditworthiness, since the wording indicates this is a minimum rate.
According to the live page, the account comes with a free debit Mastercard offering up to €30 in cashback, plus an optional free Girocard. The database additionally lists an optional credit card. Other features confirmed by the live page include real-time transfers at no extra cost, cash deposits and withdrawals at up to 7,000 locations, and support for Apple Pay and Google Pay — a comparatively extensive cash network for a digital business account. For businesses that regularly need to book cash income in their day-to-day operations, such as retail or hospitality, this dense network of deposit and withdrawal points can be a practical advantage over purely online accounts with no cash access.
FYRST references the deposit guarantee scheme of the Bundesverband deutscher Banken (Association of German Banks): deposits are accordingly protected up to 15% of the issuing bank's relevant liable equity capital. The product data lists a maximum amount of €999,999 for this — a level of protection that goes beyond the statutory minimum of €100,000, even though the exact calculation basis (a percentage of the bank's equity capital) is more complex than under classic statutory deposit protection and depends in an individual case on the institution's financial position.
According to the live page, FYRST Base targets "founders, freelancers" and "self-employed people" as well as businesses of various legal forms — GmbH, eK, GbR, UG, OHG, KG, and GmbH & Co. KG. This broad focus matches the target group stored in the database. The offer is particularly attractive for freelancers and sole traders, who can benefit from the cheaper pricing tier for natural persons, while corporate entities should weigh the €6 monthly fee against the free bookings and the cash network. Founders who are just starting out with a low transaction volume also benefit from the fact that the first 50 online bookings per month are free anyway, so the fee barely factors in at that stage.
FYRST Base impresses with an attractive entry price for natural persons, 50 free online bookings per month, and deposit protection above the statutory minimum standard. For corporate entities, the base price is €6 per month, and the overdraft facility currently starts, according to the live offer, at 9.95% — higher than the figure originally stored. Anyone planning to regularly use an overdraft should factor in this more current rate.
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