Top-Girokonto

Introduction

The Top-Girokonto from norisbank, a direct-banking subsidiary of Deutsche Bank, is a purely online salary account with no branch network, aimed at cost-conscious customers who want to handle their banking digitally. It particularly appeals to people under 30 as well as customers with a regular salary deposit.

Fees

Account management is free if the account holder is under 30 years old or can show at least 500 euros in monthly incoming payments. If neither condition is met, norisbank charges an account fee of 3.90 euros per month, debited at the end of the quarter.

Bonus and Features

New customers receive a switching bonus of 120 euros. This requires opening the current account from August 3, 2026 via video identification, and moving at least three payment partners through the online account-switching service by November 30, 2026. The bonus is non-transferable and will be credited by January 15, 2027 at the latest. Only genuine new customers who have had no banking relationship with norisbank in the past twelve months are eligible — anyone who misses the deadlines or switches too few payment partners gets nothing.

The account comes with the Mastercard direct debit card, which is free, plus an optional, likewise free, Mastercard credit card. Cash withdrawals from 50 euros are free; smaller amounts incur a fee according to the price list. Abroad, withdrawals at ATMs bearing the Mastercard logo are generally free, though individual ATM operators may still charge their own fees independently.

The app offers the BestSign two-factor authentication method for secure mobile banking, an ATM finder, and the usual functions for transfers and account management on the go.

Who It's Suitable For

The Top-Girokonto is especially suited to young account holders under 30 as well as working professionals with at least 500 euros in monthly income who want a simple online account with no branch ties. Anyone currently looking to switch banks can also benefit from the time-limited 120-euro bonus, but should keep a close eye on the stated deadlines.

Verdict

The norisbank Top-Girokonto impresses with clear, easily met conditions for free account management and a currently attractive 120-euro switching bonus. Anyone who meets the bonus deadlines and either has regular incoming payments above 500 euros or is under 30 gets an uncomplicated, low-cost online current account.