Free checking account with no minimum input 🥇

You also want without input from Salary, Salary, pension or BAföG a free checking account? In 2021 providers of fee-free accounts will become increasingly rare. Because since September 2019, banks have had to pay 0.5 percent to the European Central Bank penalty rate to count. Many banks get this money back from their customers. Are particularly unpopular with banks Customers who do not have minimum funds in their account to have. With our list of providers, we will show you how to reduce these account fees with no salary in the account can avoid. Because it is still not necessary to shell out fees for an account. Some banks still have an attractive and Free checking account with no minimum deposit included fee-free credit cards on offer. You can find out here which banks offer the best free checking accounts without a minimum deposit.

The best free checking accounts with no minimum deposit

Free checking account with no minimum depositvaluationfunctionsServices
DKB Logo




81
Points



0 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰


To the
DKB test report


To the provider:
DKB.de

HVB Logo


75
Points



0 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰

To the provider:
Hypovereinsbank.de

Openbank Logo

66
Points


0 € account management 🙌
0 € Debitkarte 💳
Free cash 💰

To the provider:
Openbank.de

N26 Logo

62
Points


0 € account management 🙌
0 € Debitkarte 💳
Free cash 💰
Credit account without Schufa possible!


To the
N26 review



To the provider:
N26.de



Tomorrow Logo


Tomorrow receives the Sustainable Girokonto award in the comparison of free current accounts with no minimum deposit.

62
Points


3 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰
Credit account without Schufa!
Sustainable Account 🌱




To the provider:
Tomorrow.de

A free checking account with no minimum deposit has the following characteristics

  • In these accounts falls no monthly base price at
  • The banks demand no account management fees
  • The essential services of the account are at your disposal with no minimum deposit to disposal
  • In addition Withdrawing money in Germany free of charge possible. For this you will receive
  • The accounts mentioned are paperless bookings free of charge
  • Support the banks joint accounts (without additional costs)
Features free account without minimum deposit
Features of the shown free accounts with no minimum deposit

Which services a free checking account without receipt of payment offers

A Free checking account with no minimum deposit offers more than just a zero euro account management fee. Basic services such as transfers and withdrawing money in Germany are available from the accounts listed here also free. Nevertheless, there are also additional services that entail fees even with a free account.

For example, banks typically charge a fee to refund a lost checking card.

You can find one in the table below Overview of which services these accounts for free are provided and which are not included:


Which services are included in a good free checking account without receipt of payment




For free


✔️ €0 for maintaining the account

✔️ no monthly base price

✔️ free giro card

✔️ Withdraw money for free in Germany

✔️ Online bookings without fees (paperless bookings)


..and what extra costs

Chargeable


❌ Real-time, same-day transfers

❌ New giro or credit card in case of loss

❌ Returned direct debits

❌ Checks

❌ Partial fees when withdrawing money abroad

❌ Telephone banking & paper-based bookings (in part)



❌ Overdraft interest

Requirements for a free checking account without wages or salary receipt

For the free checking accounts shown above without incoming money, you have to meet a few requirements so that you are entitled to open them. These are:

If you don't meet these checking account requirements, you won't be able to open a checking account with most banks. A good credit rating is particularly important when opening a checking account. This is due to the fact that an overdraft facility is automatically granted for almost all checking accounts. If no overdraft facility is granted (e.g Tomorrow*, openBank*) opening a current account is much easier.

However, people with a stable and regular income should have no problems applying for a current account with overdraft facility. A regular salary is also an advantage with a checking account without a minimum amount. Because banks prefer employees to the self-employed. However, banks prefer to be customers who are already solvent and who are also interested in other products such as financing or depots have or even one Depot for the children want to open there.

Why banks give free checking accounts

Banks do not make any money with a free checking account. However, the banks receive more money in the form of deposits and can therefore grant more loans. Another reason is that banks can also offer new customers additional offers. These include, for example construction financing, credits and depots. The third reason why banks offer checking accounts for free is that they can also charge fees by charging some special services. In the comparison table you can choose an account that doesn't incur any charges based on your usage behavior.

Which counts as the minimum entry at most banks

Many banks now require money to be deposited into the account on a regular basis every month. Only then do they offer the account without account management fees. This includes income in the form of salary, Salary, pension, BAföG, training allowance. rental income, or pay meant. As a rule, the banks are not interested in where the income comes from. Most banks, for example, also count monthly transfers or standing orders from a secondary account as incoming money.

However, the Height of the prescribed salary receipt varies. In most cases, however, the required minimum payment is between 500 and 1,200 euros per month. The online banks Comdirect, o2, ING and Consorsbank uniformly require 700 euros to be paid into the current account. If you do not reach the minimum amount in a month, you will have to pay an account maintenance fee for that month. This is between 4 and 5 euros. In contrast, the accounts shown on this page remain free of charge even without a minimum deposit.

A free current account without receipt of payment with starting credit or bonus

A fee-free checking account, for which no receipt of money is necessary is and one with one too Opening bonus is rewarded.

There is currently no free checking account without a minimum deposit and starting balance.

the PSD bank* and the Norisbank* but offer a bonus if you transfer your salary to this account. At Norisbank, 4 other payment partners must debit the new bank details in addition to the salary (e.g. electricity, gas,...). At the PSD Bank, a salary receipt is enough to get the bonus

What is the best free checking account with no minimum deposit?

The free checking account DKB cash meets almost all requirements of one fee-free account with no minimum deposit and not without reason occupy the first place as “best free checking account with no minimum deposit”. The Hypo Vereinsbank will do away with its €100 bonus in April and will thus fall down in the ranking.

Free current account without receipt of money: DKB

the Berlin DKB has been with that for many years  DKB Cash a free current account without receipt of money at. With the DKB Cash account, the free account management regardless of wage or salary receipt offered. If you receive money from 700 € or more, the DKB cash account is particularly worthwhile. Then you are an active customer and receive reduced overdraft interest. Active customers can also withdraw cash worldwide for free. The DKB provides new customers 6 months long regardless of salary receipt everyone Active customers benefits to disposal. You will also receive a when you open an account free DKB VISA card as well as one giro card. With the VISA card you can Pay worldwide for free and free cash take off. Everyone stands by you for this ATMs with a VISA sign to disposal. Even if the DKB no longer offers the credit interest of 0.2 % in 2021: You have to use the free DKB Cash account do not pay penalty interest.

DKB: Test winner account for free current accounts without incoming funds


Points: 81/ 100




✔️ Unconditionally free checking account
✔️ No minimum deposit
✔️ Cheap overdraft interest of 6.65 %
✔️ Free DKB VISA card 💳
✔️ Free giro card (EC card) 💳
✔️ Free cash worldwide (active customer)
✔️ Apple and Google Pay



❌ Active customer status required to use all the advantages of the account
❌ Deposit cash not free of charge



No paperwork


Free account with no strings attached




To the provider:
DKB.de


DKB Logo

The evaluation of the free checking account without receipt of money DKB

DKB evaluation of the free checking account DKB CashPointsinfo
1) Fees & Income25/45
0 € basic fee10/10
0 € cash receipt necessary10/10
overdraft interest5/106,65%
credit interest0/50%
bonus0/50 €
Bonus terms: easy/medium/strict0/5No bonus
2) Maps20/20
Free giro card10/10
Free credit card (VISA)10/10
3) Cash Availability32/35
withdrawal limit10/10Can even be configured in online banking. Standard limit: €1,000 per day
Free domestic cash10/10Free with a Visa card at 58,000 machines with the Visa symbol in Germany
Free cash in euros abroad5/5Free with a Visa card at all machines with the Visa symbol
Free cash worldwide4/5Free of charge worldwide with a Visa card at 1.6 million ATMs with the Visa symbol (only as an active customer, otherwise 2.2 % fees)
Deposit cash for free3/51.5 % fee at 12,000 partner shops up to €999 ("Cash in the shop")
4) Other benefits40/45
Pay mobile with Apple Pay/ Google Pay10/10Apple Pay & Google Pay available
opening5/5Digital account opening without paperwork & identification with VideoIdent
Opening without SCHUFA query0/5No, a SCHUFA query will be made. The bank reserves the right to refuse the opening if the entry is negative
Banking via app possible10/10Fully Mobile Banking
Evaluation functions available in the account5/5Interactive graphical or tabular account overview available
Deposit and overnight money from a single source5/5Depot & money market account available. Overnight money: 0.0 % interest (0.5 % for amounts > €100,000)
Depot: cheap trading fees, free savings plans, Junior Depot,…
The bank is established on the market (older than 5 years)5/5DKB was founded in 1990 and thus fulfills the criterion of an established bank
total score117/145
Points
81
Points

grade2,1
To the provider:
DKB.de

Free current account without receipt of money: Hypo Vereinsbank

Points: 75/ 100





✔️ Unconditionally free checking account for 5 years
✔️ No minimum deposit
✔️ Top overdraft rate under 3 %
✔️ Free Master Card credit card 💳
✔️ Free giro card (EC card) 💳
✔️ Free cash deposit at Hypo Vereinsbank
✔️Apple Pay



❌ In Europe, withdrawals are only free at UniCredit partner banks
❌ Withdrawing cash in foreign currency is expensive!



No paperwork



To the provider:
hypovereinsbank.de


the HypoVereinsbank is a bank headquartered in Munich. For your customers, the bank offers the HVB Plus account a free current account without receipt of money at. New customers receive for 5 years free account management independent of one Minimum cash receipt such as wages or salary. After that, the requirement for free account maintenance is subject to the conditions of the status value gold tied. In order to maintain this, the conclusion of further products with 5 product points (see picture) from the same company as well as at least € 75,000 assets or volume of real estate financing is necessary.

Conditions for HVB Gold Status. This is required after 5 years to maintain the free account management.
Conditions for the HVB Gold Status. This is required after 5 years in order to maintain the free account management. Source:  Leaflet on the HVB benefit program valyou

That HVB Plus account offers a free MasterCard credit card as well as one free giro card (EC card). The overdraft interest of 2.66 % are unbeatably cheap. So I think it's one of the best free checking accounts with no minimum deposit is. Without receipt of salary is this free checking account the Hypo Vereinsbank a good choice for a free checking account.

Hypo Vereinsbank logo

The evaluation of the free checking account without receipt of money Hypo Vereinsbank

Hypo Vereinsbank accountPointsinfo
1) Fees & Income29/45
0 € basic fee10/10
0 € cash receipt necessary10/10Account management is free for new customers for the first 5 years; After that, the account fee depends on the valyou program level and is a maximum of €9.90.
overdraft interest9/102,66%
credit interest0/50%
bonus0/5Since 04/21 the €100 bonus has been abolished
Bonus terms: easy/medium/strict0/5
2) Maps20/20
Free giro card10/10free Maestro card
Free credit card10/10free master card
3) Cash Availability27/35
withdrawal limit10/10Customizable by hotline or customer advisor in the branch. Withdrawal: domestic €1,000 daily limit, abroad €300 daily limit; €1,500 weekly limit
Free domestic cash10/10Withdraw cash free of charge with the Girocard at 9,000 Cash Group machines. Other banks: 1% at least €4.75
Free cash in euros abroad3/5Free use of over 27,000 ATMs from UniCredit partner banks with the Girocard in 17 European countries. Other banks: 1% at least €4.75
Free cash worldwide0/5Withdrawal possible, by credit card, but expensive: 2% (min. 5€) credit card fee + 1,75% foreign currency fee
Deposit cash for free4/5Free of charge at 350 Hypo Vereinbanken in Germany
4) Other benefits33/45
Pay mobile with Apple Pay/ Google Pay5/10Apple Pay available
opening5/5Digital account opening without paperwork & identification with VideoIdent
Opening without SCHUFA query0/5No, a SCHUFA query will be made. The bank reserves the right to refuse the opening if the entry is negative
Banking via app possible10/10Mobile banking with the HVB Mobile Banking App
Evaluation functions available in the account5/5Interactive graphical or tabular account overview available
Deposit and overnight money from a single source3/5Depot & money market account available. Conditions comparable to other branch banks (i.e. rather bad).
Overnight money: up to 0.05 % interest
Deposit: 0.2% deposit fee (at least €48/year) Savings plans: 2.5 %
The bank is established on the market (older than 5 years)5/5The then "Bayerische Vereinsbank AG" was founded in 1869.
total score109/145
Points
75
Points
grade2,5
To the provider:
Hypovereinsbank.de

The evaluation of the free checking account without receipt of money open bank

open bankPointsinfo
1) Fees & Income20/45
0 € basic fee10/10
0 € cash receipt necessary10/10
overdraft interest0/10Overdraft not possible
credit interest0/50%
bonus0/50 €
Bonus terms: easy/medium/strict0/5No bonus
2) Maps10/20
Free giro card0/10
Free credit card (Master Card Debit)10/10
3) Cash Availability22/35
withdrawal limit8/10Self-configurable, but with low limitation. €600 per day/ can be raised up to €3,000 per day
Free domestic cash5/105 times a month at 2,900 Santander Group machines throughout Germany
Free cash in euros abroad5/55 times a month at any ATM and as often as you like at one of the 40,000 Santander ATMs worldwide
Free cash worldwide3/5Free at all worldwide Santander ATMs (40,000)
Deposit cash for free1/5Only possible at the Santander Bank branches in Spain
4) Other benefits44/45
Pay mobile with Apple Pay/ Google Pay10/10Apple Pay & Google Pay available
opening5/5Digital account opening without paperwork & identification with VideoIdent
Opening without SCHUFA query5/5Yes, there is no SCHUFA query.
Banking via app possible10/10Fully mobile banking with all features.
Evaluation functions available in the account5/5Expense manager: filter expenses by categories, graphs of how expenses evolve; Expense manager also available in the app
Deposit and overnight money from a single source4/5Depot & money market account available. Overnight money: 0.5 % interest
Depot: Trading fees > 10 € and therefore too expensive.
The bank is established on the market (older than 5 years)5/5Founded in Spain in 1995 as a subsidiary of Santander (2019 in Germany)
total score96/145
Points
66
Points
grade3,0
To the provider:
Openbank.de
N26 Logo

The evaluation of the free checking account without receipt of money N26

N26Pointsinfo
1) Fees & Income23/45
0 € basic fee10/10
0 € cash receipt necessary10/10
overdraft interest3/108,90%
credit interest0/50%
bonus0/50 €
Bonus terms: easy/medium/strict0/5No bonus
2) Maps10/20
Free giro card0/10
Free credit card (Master Card Debit)10/10
3) Cash Availability19/35
withdrawal limit0/10Not self-configurable. Only €200 per withdrawal/ €900 daily
Free domestic cash10/103 withdrawals/month free of charge at 11500 partners (e.g. Rewe, Penny, DM) in Germany
Free cash in euros abroad3/5Withdrawal possible but 1.7 % exchange fees
Free cash worldwide3/5Withdrawal possible but 1.7 % exchange fees
Deposit cash for free3/5Deposits possible (e.g. Rewe, Penny, DM), but not free of charge. 1.5 % charges.
4) Other benefits38/45
Pay mobile with Apple Pay/ Google Pay10/10Apple Pay & Google Pay available
opening5/5Digital account opening without paperwork & identification with VideoIdent
Opening without SCHUFA query0/5No, a SCHUFA query will be made. The bank reserves the right to refuse the opening if the entry is negative
Banking via app possible10/10Fully Mobile Banking
Evaluation functions available in the account5/5Interactive graphical or tabular account overview available
Deposit and overnight money from a single source3/5Depot not available. Overnight money EasyFlex Savings via partner bank. Investment via N26 app possible
The bank is established on the market (older than 5 years)5/5N26 was founded in 2013 and thus meets the criteria of an established bank
total score90/145
Points
62
Points
grade3,3
To the provider:
N26.de
Tomorrow Logo

The evaluation of the free checking account without receipt of money Tomorrow

TomorrowPointsinfo
1) Fees & Income20/45
0 € basic fee0/10Increase to €3 basic fee
0 € cash receipt necessary10/10
overdraft interest0/10Overdraft not possible
credit interest0/50%
bonus0/50 €
Bonus terms: easy/medium/strict0/5
2) Maps10/20
Free giro card10/10Free Visa debit card
Free credit card0/10
3) Cash Availability25/35
withdrawal limit10/10Individually configurable via app (free of charge).
Default limit:
Online payments: €5,000. Payments in shops and cash withdrawals: €3,000.
Free domestic cash10/10Free with a Visa card at 58,000 machines with the Visa symbol in Germany
Free cash in euros abroad5/5Free with a Visa card at all machines with the Visa symbol
Free cash worldwide0/51.5 % fee for foreign currency withdrawals
Deposit cash for free0/5Currently not possible
4) Other benefits35/45
Pay mobile with Apple Pay/ Google Pay10/10Apple Pay & Google Pay available
opening5/5Digital account opening without paperwork & identification with VideoIdent
Opening without SCHUFA query5/5Yes, there is no SCHUFA query.
Banking via app possible10/10Fully Mobile Banking
Evaluation functions available in the account5/5Interactive graphical or tabular account overview available
Deposit and overnight money from a single source0/5Depot & call money account not available.
The bank is established on the market (older than 5 years)0/5Tomorrow was founded in 2018 by Jakob Berndt, Inas Nureldin and Michael Schweikart. The bank is not yet established.
total score80/145
Points
55
Points
grade3,3
To the provider:
Tomorrow.de

Where can I find a fee-free current account for low-income earners, the self-employed or students?

Those listed in the comparison calculator free checking accounts without receipt of payment are also for low earners, Suitable for self-employed or students. That's because the banks don't charge a salary deposit for these accounts. If your credit rating is good and there are no negative entries in the Schufa file, you can usually open any account listed here. In individual cases, however, problems can arise when opening if you only have a low or irregular income.

Have the lowest opening requirements credit accounts. These are accounts that you don't overdo it can. So the bank does not grant you an overdraft facility. The account of Tomorrow*, the open bank* and the N26 Flex* are such credit accounts. . These accounts are therefore particularly interesting for low-income earners, the self-employed or students.

Free current account without minimum input without Schufa query

The fear of the Schufa is often unfounded. Because even with up to five checking accounts at times, the Schufa score didn’t drop significantly for me. Nevertheless, the Schufa account diversity is rather negative, since there is a risk that not just one, but several accounts will be overdrawn. A second reason for closing a current account without a Schufa query are negative entries in the Schufa itself. These can lead to a rejection when opening. A Checking account without Schufa query offers an advantage in two respects. But this advantage does not come for free. All current accounts without a query from SCHUFA are exclusively credit accounts. An overdraft is therefore not possible in this case.

Free current account without minimum input without Schufa query

Where can I find a free checking account without a minimum deposit and SCHUFA check?

There are currently several providers who offer a free checking account without a minimum entry and SCHUFA check. Here you can find an overview:

Current account without SchufavaluationfunctionsServices
468x400


Top recommendation


Online P account conversion

Account that can be opened directly as a P-account despite negative Schufa entries

Credit based account
P-account conversion without paperwork (not possible with any other bank)
Opening possible despite negative Schufa entries
As a P account: full account + seizure protection with German IBAN


€6.58 / €11.58 account management (without/with transfers) 🙌
€5 MasterCard Debit 💳
€5 per withdrawal 💰
Credit account without Schufa!




More information:
supremacard.de

N26 Logo



recommendation


Low fees


Open an N26 standard account. If your credit rating is bad, you will automatically receive the N26 Flex.
Credit based account
Easy to carry out P account conversion
Opening possible despite negative Schufa entries
As a P-account: Full account + seizure protection with German IBAN and many features such as sub-accounts, Moneybeam, etc.


0 € account management (6 € for N26 Flex) 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰
Credit account without Schufa possible!


To the
N26 review



To the provider:
N26.de



Vivid Money


Not recommended as a P account



Free smartphone account that can be opened despite negative Schufa entries

Credit based account
Opening possible despite negative Schufa entries
P account conversion is cumbersome and the app can only be used to view credit afterwards
After P-account conversion, no more orders can be executed via the app and you have to contact support
As a P account, it is not a full account, but effective protection against garnishment.


0 € account management 🙌
€0 MasterCard Debit 💳
0 € per withdrawal up to 200 € per month, above that 3 % 💰
Credit account without Schufa!




More information:
Vivid.money

Tomorrow Logo


Not recommended as a P account




Tomorrow receives the Sustainable Girokonto award in the comparison of free current accounts with no minimum deposit.

Inexpensive smartphone account - opening possible despite Schufa

Credit based account
Opening possible despite negative Schufa entries
P account conversion is cumbersome and the app can only be used to view credit afterwards
After P-account conversion, no more orders can be executed via the app and you have to contact support
As a P account, it is not a full account, but effective protection against garnishment.


3 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
€2 per withdrawal 💰
Credit account without Schufa!
Sustainable Account 🌱




More information:
Tomorrow.de

Openbank Logo


P-account opening not possible due to Spanish banking license


Free current account from Santander Bank - the largest bank in Spain

Credit based account
Opening possible despite negative Schufa entries
Complicated opening: Identification via scanned ID card Opening via Post-Ident not possible
Possible problems with direct debit payments due to Spanish IBAN
No garnishment protection possible


0 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰
Credit account without Schufa!

More information:
Openbank.de

Bunq Logo

P-account opening not possible due to Dutch banking license


Inexpensive smartphone account - opening possible despite Schufa

Credit based account
Opening possible despite negative Schufa entries
No garnishment protection possible


2.99 € account management 🙌
€0 MasterCard Debit 💳
€0.99 per withdrawal 💰
Credit account without Schufa!




More information:
Bunq.de

In the guide P-open an account you can find more information about these accounts.

The accounts of these banks are credit accounts, at them no overdraft facility is granted. If you prefer an account with overdraft facility (and SCHUFA query), look at the comparison table whichever best suits your needs. If you are unsure which account to choose, I recommend it o2 account*, since it is the best free current account without monthly cash receipts (wage/salary) according to the criteria.

If you are threatened with garnishment, a Everyone Account respectively. garnishment protection account or P account an alternative. A P account is only with credit guided. You can convert a regular account into a credit account at any bank.

What to consider with a second account and bad SCHUFA

Which bank is recommended for a second account?

For a secondary account suitable an account, that too without salary receipt free of charge is. Finally it works salary already on the initial account a. Free accounts with no payroll is available at: the Hypo Vereinsbank, N26 (Flex Account), open bank and the norisbank. the Hypo Vereinsbank is due to low overdraft interest for a Second account highly recommended.
The banks N26 and the open bank Offer free smartphone accounts at. All 3 accounts are without receipt of salary or other conditions for free and therefore suitable as a second account. in the test of the 3 accounts liked that N26 account through many features such as creating from sub-accounts and MoneyBeam  especially good as a second account.

Where can I get an account despite a bad Schufa?

At the banks Tomorrow, N26 (Flex Account) and the open bank you get an account despite a bad credit bureau. The banks are hiring you Credit based account available and leave the Schufa query omitted. Therefore you can also with these providers with bad credit or negative entries in the Schufa a Current account "without Schufa" open. The catch with such an account: It is a credit account, for which you no disposition is granted.

Recommendation:
N26 Flex account


Top smartphone account!


Recommendation:
Hypo-Vereinsbank


Big Bonus!



Can low earners get a free account?

Even low-income earners can sign up for a free account.

A free checking account with no minimum deposit can also be obtained from low earners be completed. at these accounts no receipt of money or salary is required.

as long as you one regular income can show and yours Good average credit rating is, you will be able to open any of the free accounts shown.

If your credit rating is due to a negative Schufa entry be bad, you can still open a free checking account as a low earner N26* and open bank* open. As described above, these banks do not check your Schufa.

Where to open a free account with no income?

You can without income, an account, at Banks that do not have a Schufa query place, open. A free account without Schufa available at: N26 (Flex Account) and the open bank. But also with that norisbank or the local savings bank can you without wages or salary a open checking account. All providers, with the exception of Sparkasse, offer the account without income for free at. A Account with no income will depend on banks credit basis guided. It is therefore a Checking account without overdraft facility. Here again the providers where you can easily get an account without income: N26* and open bank*.

Why is Commerzbank not included in the overview of free checking accounts without a minimum deposit?

the Commerzbank* offers a free checking account only from a minimum deposit of €700. Therefore, the bank was not included in the overview of free current accounts. The account still has attractive advantages such as a €50 bonus as a starting balance.

Why is Postbank not included in the overview of free checking accounts without a minimum deposit?

the postal bank* offers a free checking account only from a minimum deposit of €3,000. Students pay an account management fee of 2 euros. All other 5 euros. Therefore, the bank was not included in the overview of free current accounts.

Checking account without incoming salary at the Sparkasse?

The Sparkasse also offers a current account without having to pay a salary. This is a credit account. You can convert your checking account into a credit account. This can be useful if a seizure is imminent. More information about Sparkasse P account can be found in the linked article.

ING Diba current account without incoming salary

In 2021, ING (Diba) will no longer offer an unconditionally free checking account without salary payments. However, there are 2 exceptions to how the ING account is still free to manage: You are under 28 years old or if you have at least €700 monthly income (wage, salary, pension, ALGI, ALGII,..) on it. If one of the two conditions is met: Everything is fine. Otherwise, the ING current account costs €4.95 per month. The €700 limit is now the new income limit for many formerly free direct banks.

Finanztip summarized this nicely in a clear video:


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Free checking account without incoming money: Criteria when you are looking for the best bank for a checking account comparison

A checking account must fit your needs. In the following I list all the essential criteria for selecting a current account. I would like to start with mine TOP 4 criteria for a free checking account.

Here are my 4 top criteria for the ideal free checking account

  • Fees and Costs: The best account is completely free of charge. The account maintenance fee is the first thing that catches the eye, but it is not the only fee that is charged. There are also big differences in the estimated interest rates. Furthermore, some banks charge fees for transfers and direct debits as well as card payments. However, this is unusual for direct banks.
  • Withdraw cash free of charge in Switzerland and abroad: There are big differences here too. While Bank A offers an unlimited number of withdrawals worldwide free of charge, Bank B may take a good amount of money with every withdrawal. It is also important where you can deposit cash. Some online banks have partnerships with branch banks. For example o2* with Commerzbank.
  • Interest charges: Due to the current low interest rate environment, only a few banks are paying interest, if only at a negligible level. That is why the debit interest on the overdraft facility (overdraft) is more interesting. It is therefore worth looking at the overdraft rate. These are included in the comparison table above.
  • Rewards & Bonuses: Bonuses for new customers and recommendations are a nice extra. Since every customer is very valuable to the bank, proper commissions are paid for this.

Other criteria for evaluating current accounts

There are other criteria to look out for:

  • Branch vs. direct bank:
    • Personal contact: Do you value personal contact with your bank advisor? then look for a classic branch bank. However it becomes difficult with a free checking account here. But there is one free checking account with no minimum entry with branches in the norisbank*.
    • Best conditions: Do you prefer to do all your banking 24/7 online anyway? then benefit from the more favorable conditions of direct banks.
  • Free credit card: Many banks give you a free credit card. Make sure it stays free later!
  • Schufa Score: If the credit bureau is negative, you may need a Basic or P account. You can find out more from your bank of choice.
  • Self Employed Account: Most account offers are aimed at employees. The self-employed often have a harder time finding a free checking account. A rare exception is N26*.
  • Account for pupils, students and trainees: There are often special conditions for young people. If not, don't worry - you can usually open the regular accounts too! A good account for pupils, students and trainees is a Free checking account with no minimum deposit. If you love your smartphone, grab it N26*.
To the provider:
Tomorrow.de

Checking account comparison – tests and experiences

Read more about opening free checking accounts at the following banks here (click on the logo).

Girokonto Compare:netbank Girokonto Comparison: N26 Girokonto comparison: Free Girokonto without minimum deposit: DKB comdirect: A Free Girokonto with no minimum deposit? Logo 1822mobile Logo o2 Bank

Logo Santander Bank

*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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5 thoughts on “Kostenloses Girokonto ohne Mindesteingang 🥇”

  1. More and more banks are getting rid of the free checking account without a minimum deposit. DKB, Comdirect and o2 require €700 in cash for free account management.
    The Norisbank also offers free account management only from a minimum deposit of €500. However, customers under the age of 21 can still get a free account at norisbank even if they don't have a salary. Here are the conditions in detail:

    o2 and Comdirect
    The current accounts from o2 and comdirect will no longer be unconditionally free from February 2021. After all, the first 6 months after opening are not affected. After 6 months, the following conditions must be met at o2 and comdirect for the account to remain free of charge:

    – EITHER 700 euros monthly minimum payment or
    – 3 payments via Apple Pay or Google Pay per month – with the bank card (Visa debit card) or Visa credit card or
    – 1 trade/1 securities savings plan execution per month or
    – you are under 28 years old and a student, school pupil, trainee or intern

    If you don't meet any of the conditions, o2 and comdirect current accounts cost €4.95 per month. The current account from o2 and comdirect was devalued in the comparison free current account without minimum entry due to the worsening of the conditions.

    ING
    For those under 28, the ING account is always free. For over 28-year-olds, the ING account is only free if a monthly income of €700 (wage, salary, pension, ALGI, ALGII,..) goes into it.

    norisbank top current account

    – The account remains free for customers under the age of 21 OR with at least 500 EUR monthly incoming funds.
    – If the minimum incoming payment of EUR 500 is not reached in a month, an account management fee of EUR 3.90 will be charged for the respective month at the end of the quarter.

    Reply
  2. Hello Account Credit Comparison,

    a nice overview of free checking accounts without incoming salary. 👍

    What I'm missing is the evaluation of the service by the respective bank or the provider. Is that the same service with O2 as for Handynoder Internet contracts?

    Regards,
    sabrina

    Reply
    • Hello Sabrina,

      that's a great tip! I'll think about how to integrate that!

      LG Sascha

      Reply

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