[{"data":1,"prerenderedAt":6754},["ShallowReactive",2],{"comparison-girokonto-mit-kreditkarte":3},{"directusData":4,"page":6720,"uri":6752,"type":6753},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":15,"show_filter":15,"show_layout_toggle":16,"default_parameters":17,"default_filter_parameters":30,"items_filter":35,"custom_table_columns":39,"table_sort":212,"disclaimer":219,"selected_alt_product_name":57,"parent_awards":220,"award_highlight":221,"tags":57,"award_1_label":222,"award_2_label":223,"award_4_label":224,"comparison":225,"user_created":4609,"award_1_item":4615,"award_2_item":4620,"award_4_item":4625,"items":4630,"table_columns":6661,"product_selection_title":231},2,"mit-kreditkarte","Girokonto mit Kreditkarte","\u003Ch2>Die besten Girokonten mit Kreditkarte 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Bei diesen Girokonten musst du dich nicht zusätzlich um einen Kreditkartenanbieter kümmern. Das ist hilfreich beim Reisen. Um herauszufinden, welches Girokonto mit Kreditkarte zu dir passt, kannst du hier die Konditionen vergleichen.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"key":12,"value":13,"icon":14,"label":12},"Befragte Personen","1.193","users",true,false,[18,22,26],{"title":19,"key":20,"value":21},"Geldeingang p.M.","monthlyDeposit","1000",{"title":23,"key":24,"value":25},"Ø Abhebebetrag p.M.","monthlyWithdrawal","800",{"title":27,"key":28,"value":29},"Abhebungen p.M.","monthlyWithdrawalCount","4",[31],{"title":32,"key":33,"value":34},"Kreditkarte","hasCreditcard","true",[36],{"key":37,"filter":38},"card_preview","notempty",[40,46,49,53,58,63,69,73,79,84,87,92,98,104,108,111,114,117,121,124,127,130,134,137,140,146,149,153,156,159,164,168,172,177,182,187,190,194,198,202,205,209],{"label":41,"key":37,"type":42,"active":15,"options":43},"Karte","image",[44,45],"transparent","full-width",{"key":47,"type":47,"active":15,"label":48,"filterable":16},"provider","Anbieter",{"key":50,"type":51,"active":15,"label":52,"filterable":16},"label","product","Konto",{"key":54,"type":55,"active":15,"label":56,"custom_cta":57,"custom_cta_no_affiliate":57},"url","cta","Angebot",null,{"label":59,"key":60,"type":61,"active":15,"description":62},"Gesamtkosten","total_costs","text","\u003Cp>Für die Gesamtkosten berechnen wir die Kontoführungsgebühr und die Kosten für Abhebungen am Geldautomaten. Bei der Kontoführungsgebühr wird der Geldeingang berücksichtigt, weitere Faktoren wie das Alter, Ausbildungszeit oder Nutzung eines Depots fließen nicht ein. Die Kosten für die Abhebungen werden für die günstigste Karte berechnet. Dafür wird der durchschnittliche Abhebebetrag pro Monat gleichmäßig auf die einzelnen Abhebungen verteilt.\u003C\u002Fp>",{"key":64,"type":64,"active":15,"description":65,"label":66,"options":67,"sort_options":68,"sortable":16},"rating","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSNA1NJHYGEm7vZkrMQoEsoKvWJt8Dq1Q_oG8dfMgBOZIN8J1sbvRMR9gGXb_ULb2HErg2hz0AVU-pu\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>","Girokonto-Test",[],[],{"key":70,"type":61,"active":15,"label":71,"mobile_rank":72},"account_maintenance_fee","Kontoführungsgebühr (p.M.)",1,{"key":74,"type":42,"active":15,"label":75,"options":76,"mobile_rank":78},"girocard","Girocard",[77],"icons-filled",3,{"key":80,"type":42,"active":15,"label":81,"options":82,"mobile_rank":83},"debitcard","Debitkarte",[77],4,{"key":85,"type":42,"active":15,"label":32,"options":86,"mobile_rank":57},"creditcard",[77],{"key":88,"type":42,"active":15,"label":89,"options":90},"contactless_payment_services","Mobile Bezahldienste",[91],"disable-tooltip",{"key":93,"type":94,"active":15,"label":95,"description":96,"options":97},"deposit_money","check","Geld einzahlen","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Unter Geld einzahlen verstehen wir, dass Bargeld ab 100€ überregional eingezahlt werden kann. Zudem werden nur Möglichkeiten zum Einzahlen angezeigt, die mit der günstigsten Bankkarte funktionieren.\u003C\u002Fspan>\u003C\u002Fp>",[77],{"key":99,"type":100,"active":15,"value":57,"field":101,"label":102,"description":103,"mobile_rank":5},"atm_network","atmnetwork","atm_networks_id.machines_count","Anzahl Geldautomaten","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Ein Geldautomatenverbund ist ein Zusammenschluss von Banken, um den Kunden möglichst viele Geldautomaten anzubieten. Angezeigt wird in unserem Vergleich die Anzahl der Geldautomaten, die man mit den kostenlos enthaltenen Bankkarten nutzen kann. Falls weder die Girocard noch die Debit- oder Kreditkarte kostenlos ist, wird davon die günstigste Karte gewählt.\u003C\u002Fspan>\u003C\u002Fp>",{"key":105,"type":61,"active":15,"label":106,"description":107},"free_withdrawals_per_month","Anzahl kostenloser Abhebungen p.M.","\u003Cp>Bei manchen Konten gibt es einen Mindestbetrag, den man pro Vorgang abheben muss. Wenn dieser Betrag größer als 50€ ist, zeigen wir diesen per Tooltip an. Beachte zudem, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat. Achte daher darauf, ob der Geldautomat zusätzliche Gebühren auf dem Display anzeigt.\u003C\u002Fp>",{"label":109,"key":110,"type":94,"active":16},"Bargeld im Handel","cash_in_retail",{"key":112,"type":61,"active":15,"label":113},"fee_withdrawal_euro_countries","Gebühr für Abhebung im Euro-Ausland",{"key":115,"type":61,"active":16,"label":116},"fee_withdrawal_100_euro_countries","Gebühr für 100€-Abhebung im Euro-Ausland",{"key":118,"type":61,"active":15,"label":119,"description":120},"fee_withdrawal_non_euro_countries","Gebühr für Abhebung im Nicht-Euro-Ausland","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Im Nicht-Euro-Ausland können Gebühren für das Abheben und den Währungstausch anfallen. Für die Fremdwährung fällt meist eine Fremdwährungsgebühr an. Teilweise gibt es einen zusätzlichen Aufschlag auf den echten Wechselkurs. Häufig wird beim Wechselkurs zwischen dem Europäischen Wirtschaftsraum (EWR) und der Region außerhalb (Nicht-EWR) unterschieden. Kreditkartengesellschaften, wie Visa oder Mastercard, erheben häufig einen Aufschlag auf den echten Wechselkurs. Teilweise verlangen Banken zudem einen Aufschlag auf den Wechselkurs der Kreditkartengesellschaft.\u003C\u002Fspan>\u003C\u002Fp>",{"key":122,"type":61,"active":16,"label":123},"fee_withdrawal_100_non_euro_countries","Gebühr für 100€-Abhebung im Nicht-Euro-Ausland",{"key":125,"type":61,"active":15,"label":126},"fee_payment_euro_countries","Gebühr für Zahlung im Euro-Ausland",{"key":128,"type":61,"active":16,"label":129},"fee_payment_100_euro_countries","Gebühr für 100€-Zahlung im Euro-Ausland",{"key":131,"type":61,"active":15,"label":132,"description":133},"fee_payment_non_euro_countries","Gebühr für Zahlung im Nicht-Euro-Ausland","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie beim Abheben entstehen bei Zahlungen im Nicht-Euro-Ausland üblicherweise Kosten für den Währungstausch. Die Gebühren äußern sich in der Fremdwährungsgebühr oder in Aufschlägen auf den Wechselkurs.\u003C\u002Fspan>\u003C\u002Fp>",{"key":135,"type":61,"active":16,"label":136},"fee_payment_100_non_euro_countries","Gebühr für 100€-Zahlung im Nicht-Euro-Ausland",{"label":138,"key":139,"type":94,"active":15},"Kostenlose SEPA-Überweisung","free_wire",{"key":141,"label":142,"type":143,"active":16,"description":144,"options":145},"real_time_bankwire","Echtzeitüberweisung","multicheck","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit einer Echtzeitüberweisung kann jederzeit (auch an Sonn- und Feiertagen) Geld innerhalb von maximal 20 Sekunden überwiesen werden. Im Vergleich geben wir an, ob das Senden und Empfangen von Echtzeitüberweisungen möglich ist und wie viel das Senden kostet.\u003C\u002Fspan>\u003C\u002Fp>",[77],{"label":147,"key":148,"type":94,"active":15},"Zinsen auf dem Girokonto","giro_interest",{"label":150,"key":151,"type":94,"active":15,"description":152},"Kostenloses Tagesgeld mit Zinsen","free_daily_account_interests","\u003Cp>Die genauen Konditionen der Tagesgeldkonten findest du in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Ftagesgeld\u002F\" target=\"_blank\" rel=\"noopener\">Tagesgeld-Vergleich\u003C\u002Fa>.\u003C\u002Fp>",{"key":154,"type":61,"active":15,"label":155},"overdraft_interest","Dispozins",{"key":157,"type":61,"active":16,"label":158},"custody_fee","Verwahrentgelt",{"key":160,"type":161,"active":15,"label":162,"description":163},"customer_support","icons","Telefon-\u002FChat-Support","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Telefon- und Chat-Support bezieht sich auf den allgemeinen Kundenservice. Daher zählt etwa eine telefonische Sperrhotline nicht.\u003C\u002Fspan>\u003C\u002Fp>",{"key":165,"type":94,"active":15,"label":166,"options":167},"branches","Filialen",[],{"key":169,"type":42,"active":15,"options":170,"label":171},"online_banking",[44],"Online-Banking",{"label":173,"key":174,"type":42,"active":15,"options":175,"description":176},"App-Bewertung","app_rating",[44],"\u003Cp>Für die App-Bewertung haben wir den Durchschnitt von den Bewertungen im Apple- und Google-Store gebildet. Bei mehreren Apps wurde jeweils die zuerst angezeigte App verwendet (TAN-Apps ausgenommen).\u003C\u002Fp>",{"label":178,"key":179,"type":42,"active":15,"options":180,"description":181},"Ident-Verfahren","ident_method",[44],"\u003Cp>Bei der Eröffnung des Girokontos wird deine Identität per Ident-Verfahren überprüft. Typisch sind E-, Video- und Post-Ident. Bei E-Ident wird die Online-Ausweisfunktion des Personalausweises genutzt.\u003C\u002Fp>",{"label":183,"key":184,"type":42,"active":15,"options":185,"description":186},"TAN-Verfahren","tan_method",[44],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. In diesem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fbanking\u002Fonline-banking-sicherheit\u002F\" target=\"_blank\" rel=\"noopener\">Ratgeber\u003C\u002Fa> erfährst du mehr über die verschiedenen TAN-Verfahren.\u003C\u002Fp>",{"key":188,"type":61,"active":15,"label":189},"free_sub_accounts","Anzahl kostenloser Unterkonten",{"key":191,"type":94,"active":15,"label":192,"options":193},"depot","Kostenloses Depot",[77],{"key":195,"type":94,"active":15,"label":196,"options":197},"account_switching_service","Kontowechsel-Service",[77],{"key":199,"type":200,"active":16,"label":201},"price_performance","link","Preis- und Leistungsverzeichnis",{"key":203,"label":204,"type":200,"active":16},"fee_information","Entgeltinformation",{"key":206,"type":207,"active":15,"label":208,"filterable":16,"filter_type":57,"filter_options":57,"filter_condition":57},"special_features","features","Besondere Eigenschaften",{"key":210,"type":61,"active":16,"label":211},"starting_premium","Startprämie",[213,216],{"label":214,"key":60,"sort":215,"default_sort":16},"Gesamtkosten p.M.","asc",{"label":217,"key":64,"sort":218,"default_sort":15},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Banken\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp data-pm-slice=\"1 1 []\">*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca class=\"ProsemirrorEditor-link\" href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[],"0","Testsieger","Beste Kreditkarte","100€ Bonus",{"title":226,"slug":227,"date_updated":228,"factsheet":229,"product_selection_title":231,"default_parameters":232,"table_columns":236,"table_sort":331,"disclaimer":219,"award_1_label":334,"award_2_label":335,"award_3_label":336,"award_4_label":337,"user_created":338,"award_1_item":342,"award_2_item":353,"award_3_item":364,"award_4_item":374,"items":391},"Girokonto-Vergleich","girokonto","2026-07-01T09:09:00.929Z",[230],{"key":12,"value":13,"icon":14,"label":12},"Deine Girokonto Auswahl",[233,234,235],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},[237,238,239,240,241,245,247,250,253,256,258,261,262,263,266,267,270,272,275,276,277,280,281,282,284,288,289,291,293,294,295,297,299,301,305,309,311,314,316,318,319,324,325,326,327,328],{"key":47,"type":47,"active":15,"label":48,"filterable":16},{"key":50,"type":51,"active":15,"label":52,"filterable":16},{"key":54,"type":55,"active":15,"label":56,"custom_cta":57,"custom_cta_no_affiliate":57},{"label":214,"key":60,"type":61,"active":15,"description":62},{"key":64,"type":64,"active":15,"description":242,"label":66,"options":243,"sort_options":244,"sortable":16},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Hier sind \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vSFKdS9x1_dPbLJyYOS4fRDDONf5Xm1JBm34ABrtMGn0O0oADA4CzM6HlkSAHLC0ItxEBh0oTDBTLt1\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa>.\u003C\u002Fspan>\u003C\u002Fp>",[],[],{"key":70,"type":61,"active":15,"label":246,"mobile_rank":72},"Kontoführungsgebühr p.M.",{"key":74,"type":42,"active":15,"label":248,"options":249,"mobile_rank":78},"Girocard p.M.",[77],{"key":80,"type":42,"active":15,"label":251,"options":252,"mobile_rank":83},"Debitkarte p.M.",[77],{"key":85,"type":42,"active":15,"label":254,"options":255,"mobile_rank":57},"Kreditkarte p.M.",[77],{"key":88,"type":42,"active":15,"label":89,"options":257},[91],{"key":105,"type":61,"active":15,"label":259,"description":260},"Anzahl kostenloser Abhebungen im Monat","\u003Cp>Beachte, dass Geldautomatenbetreiber im In- und Ausland ein zusätzliches Entgelt verlangen können, auf das die Bank keinen Einfluss hat.\u003C\u002Fp>",{"key":112,"type":61,"active":15,"label":113},{"key":115,"type":61,"active":16,"label":116},{"key":118,"type":61,"active":15,"label":264,"description":265},"Gebühr für Abhebung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Im Nicht-Euro-Ausland können Gebühren für das Abheben und den Währungstausch anfallen.\u003C\u002Fspan>\u003C\u002Fp>",{"key":122,"type":61,"active":16,"label":123},{"key":93,"type":94,"active":15,"label":95,"description":268,"options":269},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Unter Geld einzahlen verstehen wir, dass Bargeld ab 100€ überregional an einer Vielzahl von Stellen eingezahlt werden kann. Zudem werden nur Möglichkeiten zum Einzahlen angezeigt, die mit der günstigsten Bankkarte funktionieren.\u003C\u002Fspan>\u003C\u002Fp>",[77],{"key":99,"type":100,"active":15,"value":57,"field":101,"label":102,"description":271,"mobile_rank":5},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Ein Geldautomatenverbund ist ein Zusammenschluss von Banken, um den Kunden möglichst viele Geldautomaten anzubieten. Angezeigt wird in unserem Vergleich die Anzahl der Geldautomaten, die man mit der günstigsten enthaltenen Bankkarten nutzen kann.\u003C\u002Fspan>\u003C\u002Fp>",{"label":273,"key":110,"type":94,"active":15,"description":274},"Bargeld im Handel abheben","\u003Cp>Viele Banken ermöglichen, im Handel (z.B. an Supermarktkassen) Bargeld zu beziehen.\u003C\u002Fp>",{"key":125,"type":61,"active":15,"label":126},{"key":128,"type":61,"active":16,"label":129},{"key":131,"type":61,"active":15,"label":278,"description":279},"Gebühr für Zahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie beim Abheben entstehen bei Zahlungen im Nicht-Euro-Ausland üblicherweise Kosten für den Währungstausch.\u003C\u002Fspan>\u003C\u002Fp>",{"key":135,"type":61,"active":16,"label":136},{"label":138,"key":139,"type":94,"active":15},{"key":141,"label":142,"type":143,"active":16,"description":144,"options":283},[77],{"label":285,"key":286,"type":94,"active":15,"description":287},"Geld senden und empfangen mit Wero","wero","\u003Cp>Wero ist ein europaweiter Echtzeit-Bezahldienst.\u003C\u002Fp>",{"label":147,"key":148,"type":94,"active":15},{"label":150,"key":151,"type":94,"active":15,"description":290},"\u003Cp>Die genauen Konditionen der Tagesgeldkonten findest du in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Ftagesgeld\u002F\" target=\"_blank\" rel=\"noopener\">Tagesgeld-Vergleich\u003C\u002Fa>. Kostenlose Unterkonten wie Pockets oder Spaces, auf denen es Zinsen gibt, zeigen wir ebenfalls an.\u003C\u002Fp>",{"key":188,"type":61,"active":15,"label":189,"description":292},"\u003Cp>Als Unterkonten zählen wir Pockets, Spaces, Shares und Tagesgeldkonten.\u003C\u002Fp>",{"key":157,"type":61,"active":16,"label":158},{"key":160,"type":161,"active":15,"label":162,"description":163},{"key":165,"type":94,"active":15,"label":166,"options":296},[],{"key":169,"type":42,"active":15,"options":298,"label":171},[44],{"label":173,"key":174,"type":42,"active":16,"options":300,"description":176},[44],{"label":302,"key":303,"type":42,"active":15,"options":304},"App-Bewertung (iOS)","app_rating_ios",[44],{"label":306,"key":307,"type":42,"active":15,"options":308},"App-Bewertung (Android)","app_rating_android",[44],{"label":178,"key":179,"type":42,"active":15,"options":310,"description":181},[44],{"label":183,"key":184,"type":42,"active":15,"options":312,"description":313},[44],"\u003Cp>Mithilfe eines TAN-Verfahrens können Transaktionen freigegeben werden. Typische TAN-Verfahren sind SMS, Chip, Push, Photo und QR.\u003C\u002Fp>",{"key":191,"type":94,"active":15,"label":192,"options":315},[77],{"key":195,"type":94,"active":15,"label":196,"options":317},[77],{"key":154,"type":61,"active":15,"label":155},{"label":320,"key":321,"type":322,"active":15,"description":323},"Gesetzliche Einlagensicherung","deposit_protection","flag","\u003Cp>In der EU sind Bankeinlagen bis 100.000€ gesetzlich durch nationale Sicherungssysteme geschützt.\u003C\u002Fp>",{"key":199,"type":200,"active":16,"label":201},{"key":203,"label":204,"type":200,"active":16},{"key":206,"type":207,"active":15,"label":208,"filterable":16,"filter_type":57,"filter_options":57,"filter_condition":57},{"key":210,"type":61,"active":16,"label":211},{"label":329,"key":330,"type":94,"active":16},"Kostenlos für Studenten","is_free_for_students",[332,333],{"label":214,"key":60,"sort":215,"default_sort":16},{"label":217,"key":64,"sort":218,"default_sort":15},"Bestes Girokonto","40€ 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data-sheets-root=\"1\">Abhängig von der Bonität\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Jährlich 36€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Die Sparkassen-Card (Debitkarte) gibt es kostenlos zum Girokonto dazu. 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pro Monat bei teilnehmenden Handelspartnern kostenlos, danach 1,75%\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Mit eigener IBAN, darunter ein Tagesgeldkonto"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0}\">Mit eigener IBAN, darunter ein Tagesgeldkonto\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Abhängig von der Bonität, bei Gemeinschaftskonten ist kein Dispo möglich.\u003C\u002Fp>","\u003Cp>Echtes Gemeinschaftskonto oder Shared Space mit unbegrenzter Anzahl an Teilnehmern möglich\u003C\u002Fp>","\u003Cp>Das Guthaben auf dem Girokonto wird mit 0,5% verzinst.\u003C\u002Fp>","\u003Cp>75€ Bonus bei C24 Kontoeröffnung und Umzug über den Check24 Kontoumzug (über unseren Link oder mit dem Code „C24FINANZF75“). Das alte Konto muss geschlossen werden. Außerdem erhältst du 0,50% Zinsen auf dem Tagesgeldkonto und 0,50% Zinsen auf dem Girokonto. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","75€ Bonus bei C24 Kontoeröffnung und Umzug über den Check24 Kontoumzug (über unseren Link oder mit dem Code „C24FINANZF75“). Das alte Konto muss geschlossen werden. 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>7,50€ je angefangene 5.000€ bei der Reisebank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Tagesgeld Plus von Meine Bank"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">Tagesgeldkonto \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"9,45% bis zu einem Betrag von 2.000€, darüber 11,05%"}\" data-sheets-userformat=\"{"2":769,"3":{"1":0},"11":3,"12":0}\">7,56% bis zu einem Betrag von 2.000€, darüber 9,16%\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Kreditkarte von Mastercard oder Visa kostet jährlich 25€"}\" data-sheets-userformat=\"{"2":6977,"3":{"1":0},"9":0,"11":3,"12":0,"14":{"1":2,"2":0},"15":"Arial"}\">ClassicCard von Mastercard kostet jährlich 20€ bei unter 2.000€ Jahresumsatz (unter 3.000€: 15€, unter 4.000€: 10€, unter 5.000€: 5€, ab 5.000€: 0€).\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan 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am Schalter der Santander Bank (nicht in allen Filialen möglich)\u003C\u002Fp>","\u003Cp>Mit der Visa-Debitkarte. Wechselkurs: Visa\u003C\u002Fp>","\u003Cp>10,20% bis 500,00€, 11,20% ab 500,01€ bis 1.000,00€, 13,45% ab 1.000,01€\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">BestCard Smart kostenlos im ersten Jahr. Ab dem zweiten Jahr muss ein Umsatz von 2.000€ vorliegen, sonst 24€. Andere Kreditkarten kostenpflichtig\u003C\u002Fspan>.\u003C\u002Fp>","\u003Cp>Jährlich 12€\u003C\u002Fp>","\u003Cp>Keine Kontoführungsgebühr für Studenten von 18 bis 31 Jahren.\u003C\u002Fp>","\u003Cp>Mit der Visa-Debitkarte 6x p.M. kostenlos, dann 3,5 % (mind. 5,75 €). Mit der Visa-Debit grundsätzlich 4,95€. 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Zusätzlich können Kontoinhaber eine Kreditkarte zum Girokonto beantragen.\u003C\u002Fp>",[411],[2390,2391],{"label":414,"value":15},{"label":416,"value":15},[418],[411],4.59574,"Santander BestGiro","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fpreise-leistungen\u002Fpreisverzeichnis.pdf","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fsantander-girokonto","10,20% bis 13,45%","4,2 \u002F 5","2 kostenlose Karten; kann nur in Filiale eröffnet werden","https:\u002F\u002Fwww.santander.de\u002Fcontent\u002Fpdf\u002Fzkg\u002Fbestgiro-entgeltinformation.pdf","oder in 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data-sheets-value=\"{"1":2,"2":"am Schalter und am Automat"}\" data-sheets-userformat=\"{"2":14851,"3":{"1":0},"4":{"1":2,"2":16777215},"12":0,"14":{"1":2,"2":2039583},"15":"\\"Google Sans\\", Roboto, sans-serif","16":10}\">am Schalter und am Automat\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Zzgl. 0,30% auf den letzten verfügbaren Euro-Referenzwechselkurs der Europäischen Zentralbank (Währungsumrechnungsentgelt).\u003C\u002Fp>","\u003Cp>mit der kostenpflichtigen Girocard V Pay; Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"virtuelle Kreditkarte Mastecard Classic Debit inklusive; physische Mastercard-Kreditkarte 2,42€ mtl."}\" data-sheets-userformat=\"{"2":11011,"3":{"1":0},"4":{"1":2,"2":16777215},"11":3,"12":0,"14":{"1":2,"2":0},"16":10}\">virtuelle Kreditkarte Mastercard Classic Debit inklusive; physische Mastercard-Kreditkarte 2,42€ mtl.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"digitale Girocard inklusive; Girocard V Pay 1,25 € mtl. "}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">digitale Girocard inklusive; Girocard V Pay 1,25 € mtl. \u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Nicht berücksichtigt in der Gesamtkosten-Berechnung: Als Selbstständiger gibt es Mindest-Privatentnahmen in Höhe von 850€ für den Lebensunterhalt bei Selbstständigen, ab dem man 2,90€ p.M. bezahlt (wie Privatkunden bei Geldeingang ohne Mindestbetrag), sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>Filialen nur im Raum Nürnberg\u003C\u002Fp>","\u003Cp>2,90€ p.M. bei regelmäßigem Gehalts- oder Renteneingang, sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>mit der kostenpflichtigen Girocard V Pay;an eigenen Geldautomaten kostenlos; bei Banken die am BankCard Service-Netz teilnehmen 1,02 € pro Abhebung, wobei die Gebühr für 13 Abhebungen pro Quartal durch die PSD komplett erstattet wird\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Mit der kostenpflichtigen Girocard 1% (min. 5€) Abhebegebühr zzgl. 1% (min. 0,77€, max. 3,83€) Fremdwährungsgebühr. \u003C\u002Fspan>Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1 % (mind. 0,77€, max. 3,83€), Wechselkurs: Euro-Referenzwechselkurs der Europäischen Zentralbank\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Es kann 13 Mal pro Quartal mit der kostenpflichtigen Debitkarte (Girocard V Pay: 1,25 € mtl.) an den 17.300 Bankcard-Geldautomaten kostenlos abgehoben werden, danach kostet es 1,02€ pro Abhebung im BankCard-ServiceNetz. 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Nötig sind die Zustimmung zu \"Tipps für Sie persönlich\" sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten. Ab 28 Jahre: 1.000€ Geldeingang (auch bei Gemeinschaftskonten), unter 28 Jahren: 700€ Geldeingang (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","200€ Bonus bei Eröffnung des ersten Girokontos bis zum 31.05.2026. Nötig sind die Zustimmung zu \"Tipps für Sie persönlich\" sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten. Ab 28 Jahre: 1.000€ Geldeingang (auch bei Gemeinschaftskonten), unter 28 Jahren: 700€ Geldeingang (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). Weitere Konditionen auf der Website des Anbieters.","\u003Cp>1€ Girokonto Future Gebühr wenn min. 1.000€ Geldeingang oder unter 28 Jahren, sonst 5,90€ p.M.\u003C\u002Fp>","\u003Cp>Es kann unbegrenzt kostenlos an den Visa-Geldautomaten abgehoben werden.\u003C\u002Fp>",[411,779],[3557,3558],{"label":414,"value":15},{"label":416,"value":15},[418],[3561,3563],{"feature":3562,"rating":15},"Guthaben werden nachhaltige Kredite&Anlagen gegenübergestellt",{"feature":3564,"rating":15},"Kontogebühr wird zur Unterstützung sozialer\u002Fökologischer Projekten verwendet",[411,779],3.13778,3.81334,"ING Girokonto 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im In-App-Chat\u003C\u002Fp>","\u003Cp>Man erhält eine Visa- oder Mastercard-Debitkarte.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">oder 29,99€ pro Jahr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Max. 200€ p.M., danach 2% Gebühr (mind. 1€)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Max. 200€ p.M., danach 2% Gebühr (mind. 1€). Wechselkurs: Ab 1.000€ p.M. zzgl. 0,5% Gebühr auf den echten Wechselkurs. Laut Revolut fallen weitere Gebühren an, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind (z.B. am Wochenende zzgl. 1 %). Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fp>","\u003Cp>Wechselkurs: Ab 1.000€ p.M. zzgl. 0,5% Gebühr auf den echten Wechselkurs. Laut Revolut fallen weitere Gebühren an, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind (z.B. am Wochenende zzgl. 1 %). Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann an den Mastercard-Geldautomaten abgehoben werden. Maximal sind 200€ p.M. möglich, danach kostet es je Abhebung 2% (min. 1€).\u003C\u002Fspan>\u003C\u002Fp>",[779],[3625,3626],{"label":414,"value":15},{"label":416,"value":15},[3628,3629],{"feature":2644,"rating":15},{"feature":2646,"rating":15},[779],3.43819,3.59232,"Revolut Plus","oder Foto vom Ausweis 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data-sheets-root=\"1\">Laut Revolut fallen weitere Gebühren an, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind. Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Laut Revolut fallen weitere Gebühren an, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind. Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fp>","\u003Cp>Rückruf anfordern\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">oder 600€ pro Jahr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Max. 2.000€ p.M., danach 2% Gebühr (min. 1€)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Max. 2.000€ p.M., danach 2% Gebühr (min. 1€). Wechselkurs: \u003Cspan data-sheets-root=\"1\">Laut Revolut können Gebühren auf den echten Wechselkurs anfallen, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind (z.B. am Wochenende zzgl. 1 %). Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Wechselkurs: \u003Cspan data-sheets-root=\"1\">Laut Revolut können Gebühren auf den echten Wechselkurs anfallen, wenn selten verwendete Währungen getauscht werden oder die Devisenmärkte geschlossen sind (z.B. am Wochenende zzgl. 1 %). Für welche Währung eine Gebühr anfällt und wie hoch die Kosten sind, ist vor der Transaktion in der App zu sehen.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Es kann kostenlos an den Mastercard-Geldautomaten abgehoben werden. 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data-sheets-root=\"1\">oder 82€ pro Jahr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Max. 400€ p.M., danach 2% Gebühr (mind. 1€)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Max. 400€ p.M., danach 2% Gebühr (mind. 1€). 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