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Ingrid Schneider · Updated: 3 September 2026
Business Giro aktiv is the mid-tier plan within Postbank's business account family, sitting above the basic "Business Giro" and below "Business Giro aktiv plus." The key difference from the base plan: a credit card is available as an optional add-on alongside the debit card.
Postbank is currently running a promotion for Business Giro aktiv with a €0 base fee until 31 December 2026, after which €16.90 per month applies according to the provider. This differs from the annual cost estimate of €156 (equivalent to €13 per month) recorded in the product data – for budgeting purposes, the provider's current figure with its clear promotional logic is authoritative: free until the end of 2026, then €16.90 per month.
Paperless online transactions cost €0.22 per item – this figure is identical between the product database and the provider's page. For paper-based offline orders, the product data lists €3 per order. For an arranged overdraft, Postbank charges 9.95% interest according to the data (billed quarterly); the provider's own page gives no information on this.
Business Giro aktiv includes the Postbank Business Card plus (debit card) – free in the first year, then €24 annually afterward. Optionally, the Postbank Mastercard Business Card Classic (credit card) can be added, also free in the first year and then €30 annually. This combination of a debit card plus an optional credit card sets the aktiv plan apart from the base plan's debit-card-only offering.
Deposits are protected up to €100,000 through the Entschädigungseinrichtung deutscher Banken GmbH – the statutory German deposit protection scheme. As with the base plan, the account can be managed not only online and via the app but also by phone and in a branch, which can matter for businesses with occasional cash needs or a preference for in-person advice.
Business Giro aktiv sits between the base "Business Giro" plan and the more extensive "Business Giro aktiv plus" variant (€24.90 base price after the promotion, €0.12 per online booking) in both price and features. Anyone with regularly even higher transaction volumes, or who needs further additional services, should compare that third tier as well before deciding.
Neither the product data nor the provider's page gives concrete figures on the provider's own detailed target-group description or on any fees for international transfers outside the eurozone. Anyone who needs these details for their decision should ask Postbank directly before signing up.
Like the base plan, Business Giro aktiv is broadly aimed at freelancers, sole proprietorships, sole traders, GmbHs, GbRs, non-trading partnerships, and UGs (haftungsbeschränkt). It suits businesses that want a credit card in addition to the debit card for business expenses and are willing to accept a somewhat higher base fee along with a cheaper per-transaction online fee (€0.22 versus €0.28 for the base plan). As with the base plan, customers benefit from a branch network and phone support alongside online banking and the app, plus deposit protection up to €100,000 through the Entschädigungseinrichtung deutscher Banken GmbH.
Business Giro aktiv offers a cheaper transaction fee and the option of an additional credit card compared to the base plan – at the cost of a higher monthly base fee of €16.90 once the current promotion ends. For businesses with high online transaction volumes and a desire for a credit card, the premium over the base plan can be worthwhile; those who need neither are better off with the cheaper Business Giro.
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