Test winning accounts – What do I recommend?

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The best checking account for you

In this article I will introduce you to the best checking account for your requirements and wishes. I have defined the following clusters: In which of them do you most likely find yourself? Click on it and find the best checking account for you!

Best Free Checking Account

To offer:
1822direkt.de

Criteria for the Best Free Current Account

  • free account management
  • free Girocard
  • Attractive opening bonus at the start
  • withdraw cash free of charge in Germany
  • free banking including free paperless transfers and bookings.

Recommendation: I can currently recommend the 1822direkt checking account as the best free account. The free account management from 1 EUR monthly incoming money including girocard and online bookings is given. It is also possible to get a free credit card via a current campaign. The biggest advantages over other free accounts are: attractive bonus which is already paid out in the fourth month after opening favorable overdraft interest, the fast, competent telephone service, the good reputation of an account with the Frankfurter Sparkasse and my positive personal experiences. Payment in euro countries is also possible without extra fees using a Girocard card.

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
0 € 1€ 0,00 % 0 € 7,43 % 7,43 %Yes*€150 + €50 for recommendation

*At Sparkasse ATMs and in all supermarkets with a cash service for purchases of €10 or more

1822direkt enjoys a good reputation as the direct bank of the Frankfurter Sparkasse. It belongs to a large, well-known bank with tradition and a high satisfaction factor. 1822direkt received first place in the category "Security on the Internet - Direct Banks" from the German Institute for Service Quality (Link: disq.de). 

1822direct


Didn't the account of the 1822direkt convince you? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: This is an alternative DKB account (slightly better overdraft interest, free cash withdrawals worldwide, but without a bonus) or even that
Comdirect current account (similar to DKB but +premium). Also the DKB and comdirect do not charge any fees and have been established on the market for years.
To offer:
1822direkt.de

Best checking account with the highest bonus

To offer:
1822direkt.de

The best free checking account with maximum bonus is similar in criteria Best free checking account. However, the opening premium moves more into focus here. 

Criteria for the best free checking account with maximum bonus

  • Maximum Opening Bonus to start
  • free account management
  • free Girocard
  • withdraw cash free of charge in Germany
  • free banking including free paperless transfers and bookings.

Recommendation: I can currently recommend the 1822direkt checking account as the best free account with the maximum bonus. The free account management from 1 EUR monthly incoming money including girocard and online bookings is given. It is also possible to get a free credit card via a current campaign. The biggest advantages over other free accounts are: attractive bonus which is already paid out in the fourth month after opening favorable overdraft interest, the fast, competent telephone service, the good reputation of an account with the Frankfurter Sparkasse and my positive personal experiences. Payment in euro countries is also possible without extra fees using a Girocard card.

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
0 € 1€ 0,00 % 0 € 7,43 % 7,43 %Yes*€150 + €50 for recommendation

*At Sparkasse ATMs and in all supermarkets with a cash service for purchases of €10 or more

1822direkt enjoys a good reputation as the direct bank of the Frankfurter Sparkasse. It belongs to a large, well-known bank with tradition and a high satisfaction factor. 1822direkt received first place in the category "Security on the Internet - Direct Banks" from the German Institute for Service Quality (Link: disq.de). 

1822direct


Didn't the account of the 1822direkt convince you? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: This is an alternative
Comdirect current account (with a total bonus of 148 euros). 
To offer:
1822direkt.de

Best current account for young people: trainees & students

To offer:
N26.de

In my opinion, app-based banking is particularly important for young people. Everything should be easy to handle via mobile phone. This also includes modern payment services such as Google Pay or Apple Pay. Since young people travel a lot, cash should be available free of charge, at least within the euro countries. This means that you can easily dispose of cash during the Erasmus exchange year.

Barcelona beach
So that the cash supply is also ensured in the Erasmus year. Find the best checking account here for: Trainees & students. Photo: Beach in Barcelona. Source: Own recording

Criteria for the Best Young People Account

  • Fast transactions
  • Notification of account transactions via smartphone
  • free account management
  • Payment via smartphone possible: Apple Pay, Google Pay
  • free Girocard
  • withdraw cash free of charge in Germany
  • free banking including free paperless transfers and bookings.

Recommendation: As the best free account for young people I can currently do that N26 current account recommend. It is completely smartphone based to use. Free account management from EUR 0 monthly incoming money including girocard and online bookings is given. The biggest pluses are: MoneyBeam – you can use this to send money to your contacts without knowing their bank details. This is how you pay back your cocktail quickly and easily.
The payment services Apple Pay & Google Pay be of N26 already fully supported today. You can Pay worldwide for free with the free MasterCard. You get the same with the MasterCard free cash in euro countries (1.7% fee when withdrawing in foreign currency) The account can also convince with the easy handling of the free credit card: With the N26 credit card basically fall no fees when paying at. Whether in euros or foreign currency. This means that you can pay abroad in any currency free of charge. Furthermore, you get a very good conversion rate to the euro (and would not have to pay a fee hidden in the conversion rate. This is unfortunately common when exchanging cash).

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
0 € free of charge even without receipt of money 0,00 %free Mastercard 0 € 8,9 % 8,9 %Yes*Without a bonus

*worldwide with MasterCard

What I also like about this current account is that it is easy to open in just a few minutes online or via the app. One notices immediately that this is a modern bank that attaches great importance to ease of use and a stylish interface. The banking app itself shows the account balance in real time and breaks down all expenses by category. Furthermore, you will be notified of every account movement via the app. This is how you keep your finances under control easy peasy. 

Didn't the account of the N 26 convince you? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: If free payment worldwide is important to you, you can also do that as an alternative DKB cash Open an account. The account offers an interface that is not quite as beautiful in terms of simplicity as this N26 current account, but can score with low overdraft interest. To offer:
N26.de

Best checking account for travelers and vacationers

To offer:
DKB.de

When traveling to distant countries, the hassle-free and inexpensive provision of cash is essential. Furthermore, paying in foreign currency with low fees is another important point for globetrotters.

Lovely Cambodia
When traveling to distant countries, the hassle-free and inexpensive supply of cash is essential. Photo source: Own recording

Criteria for the Best Account for Travelers and Vacationers

  • low-cost cash supply worldwide
  • Inexpensive payment in euros and foreign currencies
  • free account management
  • Bank card for withdrawing money and paying cashless worldwide

Recommendation: As the best free account for travelers and vacationers or people who travel a lot, I can currently do that DKB Cash current account recommend. The DKB has been offering worldwide free payment in euros and foreign currencies for many years. Likewise, free money withdrawals worldwide. Unfortunately, these advantages are now only available as active customer. You are automatically an active customer in the first year. After that, at least 700 euros in cash per month are required to receive the status. By paying/withdrawing money with a credit card, you get a very good conversion rate to the euro. You don't have to pay a fee hidden in the conversion rate. Unfortunately, this is common when exchanging cash.

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
0 € free of charge even without receipt of money 0,2 %free Visa card 0 € 6,9 % 6,9 %Yes*Without a bonus

*worldwide with Visa card

The DKB account received two awards in 2018

  • by Focus Money as the test winner of the current accounts test and
  • as the best salary account with a free credit card from the Handelsblatt.
Best Girokonto trade sheet
Test winner Girokonto Focus Money

Did you the account of DKB  not able to convince? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: If free cash withdrawals worldwide are important to you, this is an alternative N26 current account under consideration. That N26 current account is also very good for people who travel a lot. However, it has the disadvantage that a fee is due when paying in foreign currency (1.7 %). You will be informed of any account activity immediately by email or app. This is a safety bonus especially when traveling. To a certain extent, the decision remains a matter of taste. You can't go wrong with either account!
To offer:
DKB.de

The best checking account for retirees and retirees

To offer:
TO BE UPDATED

Personal contact with a bank advisor in your branch in a familiar environment is often important for older people. Particular attention was therefore paid to this criterion. Here are the criteria in detail for the best current account for retirees and retirees

Criteria for pensioners and retirees

  • ideally free of charge even without regular receipt of money
  • Banking transactions can also be carried out in a branch
  • The cheapest possible cash withdrawal and free payment in the euro countries. This is the case, for example, with winter stays of German pensioners in z. B. southern Spain important

Recommendation: As the best free account for retirees, I recommend norisbank's free current account. The account can be operated not only online, but also in every branch of the Deutsche Bank at the counter or from the machine. It thus combines the advantages of a traditional branch bank account with the favorable conditions of a direct bank. In addition, it is free of charge even without a monthly payment. The ideal combination for retirees and retirees!

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
Norisbank 0 € free of charge even without receipt of money 0,0 %free MasterCard 0 € 10,85 % 13,25 %Yes*€100 bonus

*In Germany: at 9,000 Cash Group machines with Girocard
Worldwide: with Mastercard

Didn't the Norisbank account convince you? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: Commerzbank also offers a real alternative for a free current account with support and service in the branch.
To offer:
Norisbank.de

Best checking account for the self-employed and freelancers

To offer:
N26.de

Freelancers and the self-employed usually have a harder time choosing an account than employees and workers. This is because banks consider your income to be more volatile. Regardless of how valid the classification of the banks may be, that's the way it is.

Freelancer
Freelancer at work. Photo by Fancycrave.com by Pexels

Criteria for the best account for self-employed and freelancers

  • Online bookings that are as inexpensive or free of charge as possible
  • Girocard and credit card are not a must, as cash is often not required
  • Simple status query about the finances. Possibility to assign input and output categories.

Recommendation: As the best free account for self-employed and freelancers, I can currently do that N26 current account recommend. The bank does not discriminate against the self-employed and freelancers. You get the same conditions as employees! The account is fully smartphone based. Free account management from EUR 0 monthly incoming money including Mastercard and online bookings is given. In addition, the account offers the possibility of separating business and private expenses – this eliminates the need for lengthy statements. Quite simply and quickly Further plus points are: MoneyBeam – you can use this to send money to your contacts without knowing their bank details. This is how you pay your business partner back money quickly and easily.
The payment services Apple Pay & Google Pay are already fully supported by N26. You can Pay worldwide for free with the free MasterCard. You get the same with the MasterCard free cash in euro countries (1.7% fee for withdrawing in foreign currency) The account can also convince with the easy handling of the free credit card: With the N26 credit card, there are basically no charges no fees when paying at. Whether in euros or foreign currency. This means that you can pay abroad in any currency free of charge. Furthermore, you get a very good conversion rate to the euro (and you would not have to pay any hidden fees in the conversion rate. Unfortunately, this is common with cash exchanges. The account therefore meets all the requirements of a typical self-employed person or small business. It is also completely free of charge.

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus

N2
6.de
0 € free of charge even without receipt of money 0,00 %free Mastercard 0 € 8,9 % 8,9 %Yes*Without a bonus

*worldwide with MasterCard

What I also like about this current account is that it is easy to open in just a few minutes online or via the app. One notices immediately that this is a modern bank that attaches great importance to ease of use and a stylish interface. The banking app itself shows the account balance in real time and breaks down all expenses by category. Furthermore, you will be notified of every account movement via the app. This is how you keep the finances of your biz easy peasy under control.

Didn't the account of the N 26 convince you? Then check out the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: 
Alternatively, I can also recommend the Fidor business account. Monthly online bookings are included in unlimited numbers free of charge. In contrast to the N26 Business account, it can also be opened by corporations or associations. A prepaid Mastercard currently costs EUR 8.95 per year. This includes four withdrawals per month

Best mobile checking account via app

To offer:
N26.de

For the best account for mobile use, the simple and intuitive operation via smartphone is essential. The integration of modern payment services such as Google Pay or Apple Pay is also an important point. Furthermore, sending money to contacts is a factor that makes mobile banking easier. In addition, a quick and uncomplicated opening is a clear plus point. Of course, the account should also be free if possible.

Woman with phone
Banking via smartphone. Fast. Easy. Comfortable. Photo by rawpixel.com by Pexels

Criteria for the best account for self-employed and freelancers

  • Simple and intuitive operation via smartphone
  • Integration of modern payment services such as Google Pay or Apple Pay
  • Send money to contacts
  • fast and uncomplicated opening 
  • free account management

Recommendation: As the best free account for smartphones, I can do that N26 current account recommend. The account is fully smartphone based. Free account management from EUR 0 monthly incoming money including Mastercard and online bookings is given. The biggest pluses are: MoneyBeam – you can use this to send money to your contacts without knowing their bank details. This is how you pay back your cocktail quickly and easily.
The payment services Apple Pay & Google Pay be of N26already fully supported today. You can Pay worldwide for free with the free MasterCard. You get the same with the MasterCard free cash in euro countries (1.7% fee when withdrawing in foreign currency) The account can also convince with the easy handling of the free credit card: With the N26 card basically fall no fees when paying at. Whether in euros or foreign currency. This means that you can pay abroad in any currency free of charge. Furthermore, you get a very good conversion rate to the euro (and would not have to pay a fee hidden in the conversion rate. This is unfortunately common when exchanging cash).

Account tipbasic pricecash receiptInterest chargesFree credit cardbankingoverdraft facilityoverdraftFree cashbonus
0 € free of charge even without receipt of money 0,00 %free Mastercard 0 € 8,9 % 8,9 %Yes*Without a bonus

*worldwide with MasterCard

What I also like about this current account is that it is easy to open in just a few minutes online or via the app. One notices immediately that this is a modern bank that attaches great importance to ease of use and a stylish interface. The banking app itself shows the account balance in real time and breaks down all expenses by category. Furthermore, you will be notified of every account movement via the app. This is how you keep your finances under control easy peasy. 

Did the N26 account not convince you? Then take a look at the comparison calculator other accounts, or continue reading here under alternatives.

Alternatives: 
Alternatively, I can also recommend the 1822mobile account. The 1822 mobil account test report you will find linked. You can find out even more about the 1822 mobil account on the Provider page*.

*Affiliate link: If you get to a provider via one of these links from my website, I may receive a commission. This does not result in any additional costs for you. ❤️ THANK YOU for using these links! ❤️

Disclaimer: This is well researched but non-binding information.

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