Postbank • EUR
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Ingrid Schneider · Updated: 3 September 2026
Business Giro aktiv plus is Postbank's business account for the self-employed, freelancers, and companies of various legal forms. Unlike many purely online providers, Postbank is a traditional, branch-based bank, which is reflected in both its terms and its scope of service. According to the provider, the account is positioned as a "comfortable business account" for more intensive use, i.e. for businesses with regular, higher transaction volumes that value a broad service network.
Checking the live offer page revealed a clear discrepancy from the originally imported database value of €96 per year (working out to €8 per month). The current Postbank page advertises the account with "€0.00 base fee until 31 December 2026, then €16.90 per month." So this is currently a time-limited promotion with temporarily free account maintenance; after that, the regular base fee rises to €16.90 per month, equivalent to €202.80 per year — noticeably more than the originally stored figure. This review treats the more recent, live-confirmed price as authoritative, since it postdates the database value; anyone interested in the account should check the exact promotional terms and the end date of the offer directly with Postbank before signing up, since such time-limited offers can change.
According to the live page, paperless SEPA transactions carry a fee of €0.12 per booking — this figure matches exactly the online transaction fee stored in the database, which speaks for the reliability of this figure. For paper-based bookings (e.g. transfers at the counter or via paper form), the database lists a fee of €3 per item; the live page did not list this figure separately, but there is no contradiction with the database. The stored product data lists a debit interest rate of 9.95% for an arranged overdraft; the live page provided no differing information on this either. Anyone who manages their account mostly digitally and avoids paper bookings can keep running costs noticeably lower than with heavy counter use.
The account comes with two cards: the Postbank Business Card plus, a debit card, is free in the first year and then costs €24 per year. Optionally available is the Postbank Mastercard Business Card Classic, a credit card, also free in the first year and then €30 per year. The account can be managed online and via app, as well as by phone or in a branch — a clear difference from pure fintech offerings, which typically have no branch network. Businesses that occasionally still handle cash or paper-based receipts are likely to appreciate this extra channel. Compared with purely digital fintech business accounts, there is a clear structural difference here: phone customer service and branch presence allow for personal advice, for example on more complex questions around loans or international payments, which app-only providers typically cannot offer in the same form.
As a German credit institution, Postbank is a member of the Entschädigungseinrichtung deutscher Banken GmbH (compensation scheme for German banks). Deposits are therefore protected up to €100,000 at 100% — a figure that matches the statutory standard for bank deposits in Germany and represents a noticeable safety advantage compared with pure payment service providers without their own banking licence. For businesses that permanently hold higher liquidity reserves on their business account, this aspect can be a decisive argument over fintech alternatives without classic deposit protection.
The target group is broad, ranging from freelancers and sole traders to registered merchants, GmbHs, partnerships such as a GbR or OHG, and entrepreneurial companies (UG). This makes Business Giro aktiv plus suitable in principle for almost any business form that values an account with full branch, phone, and online service, and is willing in return to pay a higher monthly base fee once the current promotion ends. For businesses that book mostly digitally and rarely visit a branch, the higher base fee is at least partly offset by the low fee for paperless transactions.
Business Giro aktiv plus stands out with the full service range of a traditional branch bank, statutory deposit protection up to €100,000, and low fees for paperless transactions. Account maintenance is currently free until the end of 2026, after which the base fee rises to €16.90 per month — noticeably more than the annual price originally stored for this product. Anyone planning to keep using the account beyond the promotional period should factor in this higher follow-up price from the start and weigh it against the added value of branch and phone service.
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