Switching accounts – how complicated is it?

Account change piggy bank

"Small animals also make crap" - this sentence also applies to choosing the right current account. Small fees that are incurred regularly are often greatly underestimated. With a current account, for example, you can quickly add up to more than 100 euros in fees per year. Nevertheless, this amount - often because the effort for a change is avoided - often ... Read more

Opening a P-Konto - Which bank? - Top 6 best P-accounts

P-Konto - Which bank?

If you're wondering which bank you can open a P-account with and you might have one or the other negative Schufa entry, you've come to the right place. Because here you will receive recommendations at which bank you can open a P-account with a bad credit rating or negative Schufa. These are Schufa-free accounts, which can also be used with ... Read more

Which bank cooperates with Sparda-Bank?

Which bank cooperates with Sparda-Bank - Cash Pool and all Sparda-Bank partner banks at a glance

Sparda-Bank is part of the cash pool and cooperates with the banks from this association. Therefore, the question: "Which bank cooperates with the Sparda-Bank?" can be answered with the short answer "all cash pool banks". The cash pool is an association of various banks, which you as a Sparda-Bank customer can also use to withdraw money from ATMs. Read more

Overnight money comparison: Secure interest and bonus.

The compound interest effect can contribute greatly to wealth accumulation - If you understand it, you can use it

A call money account is suitable for flexible parking of money. Compared to a checking account, you are rewarded with an attractive interest rate. As a result, the savings multiply without further action. In order for this project to succeed, one thing is essential: the right call money account. You can find this in the daily allowance comparison. Here you will find overnight money from the most important providers in Germany and Europe... Read more

Test report: free Girokonto 1|2|3 from Santander Bank

Spain souvenir

Find out in the following test report, which experiences I have made with the 1|2|3 Girokonto of Santander Bank. How reputable is the bank and what does it offer? The unique selling point of Santander Bank's 1|2|3 account is the multi-level bonus model, where you can receive up to €9 monthly, or €108 annually as an individual. If the ... Read more

The classic fixed-term deposit account has not had its day: attractive options for savers

Fixed deposit attractive

Anyone looking for a way to invest their money often inevitably comes across the fixed-term deposit account. This is a classic that is offered by numerous banks and still offers extensive advantages. It is characteristic that it is unfortunately not possible to dispose of one's money spontaneously. But ... Read more

Apple Pay in Germany

Apple smartphone

Apple Pay was launched in Germany on December 11, 2018, and will be accepted and used nationwide in 2022. In the United States, the contactless payment method with the iPhone and Apple Watch has been available since 2014. Since 2018, the payment service with NFC technology can also be used in this country. Konto-Kredit-Vergleich.de shows which banks offer the payment service ... Read more

O2 Banking Test: What does the O2 current account offer?

o2 Banking Girokonto Test

On April 30, 2022, the cooperation between Telefónica (o2) and Comdirect Bank on o2 banking came to an end. With comdirect as a financially strong partner, things are looking up this time. Existing customers keep their account. Nothing will change in terms of account number and cards either. However, new customers can no longer open the o2 Girokonto. It is the account ... Read more

Which bank cooperates with Postbank? All 11 partner banks.

Which bank cooperates with Postbank

Commerzbank is part of the Cash Group and cooperates with the banks in this group. Therefore, the question: "Which bank cooperates with Commerzbank?", can be answered with the short answer "all Cash-Group banks". The Cash-Group is an association of various banks, which you as a Commerzbank customer can also use to withdraw money from ATMs. Read more

Test winner account – Which accounts are test winners in 8 categories?

gold bear rubber bears yellow

There is news at Konto-Kredit-Vergleich.de. The test winner accounts have been awarded! I have created 8 categories. There are the following categories: The best Girokonto for you In this article, I will introduce you to the best Girokonto for your requirements and wishes. I have defined the following clusters: Which of these are you most likely to find yourself in? ... Read more

Open a P account: information, tips and tricks

A share depot or securities account can create wealth in the long term

Find here all the essential info on the topic P-Konto (Pfändungsschutzkonto) The Pfändungsschutzkonto in key points P-Konto open - Which bank is suitable? If you are wondering at which bank you can open a P-Konto and you may have the or other negative Schufa entry, you will find in the article P-Konto open - Which bank? the best providers ... Read more

1822direkt Test & 1822 mobile Test | My honest experience with 1822direkt

Konto-Kredit-Vergleich.co.uk Compare & complete Free Girokonto here now. Photo of Tembela Bohle by Pexels

The 1822direkt account in the current account test. The account offers a high bonus, is opening without paperwork but requires a minimum deposit of €700 (1822direkt) or €0.01 (1822 mobile). Overall, is it a recommendation? What kind of offer does 1822direkt offer? 1822direkt is a bank that, in addition to various current accounts, also offers you capital investments, securities accounts, construction financing... Read more

N26 Account Review

N26 All pros and cons, test report and experience N26. N26 vs o2 Banking

The N26 current account is an attractive offer for a free current account. Just like the banks DKB*, ING* and comdirect*, the N26 account also comes with a free credit card*. In the test report on the N26 account, I show what other advantages and disadvantages the account offers. Advantages of the N26 account The current account is permanently free ✅ … Read more

Experiences comdirect account

Comdirect Headquarters in Quickborn - Experiences with comdirect

Find out in the following test report what experiences we have had with the free current account from comdirect. How reputable is the bank and what does it offer? comdirect is the direct bank of Commerzbank. This makes it one of the largest direct banks in Germany and has another subsidiary, onvista Bank. With the current account of the Comdirect … Read more

Test report 1822mobile checking account – My experiences

Logo 1822mobile

Find out in the following test report what my experience was with the free smartphone Girokonto 1822mobile. How reputable is the bank and what does it offer? With 1822 Mobile, the N26 (test report N26, Zur N26 Bank) now has a serious rival since 2017. 1822direkt is the direct bank of the Frankfurter Sparkasse. It thus takes on a ... Read more

DKB Cash test report and account test

People woman coffee meeting. Photo by Startup Stock Photos from Pexels

Find out in the DKB test what experiences I have had with the free DKB Cash current account. The overall package convinces in the DKB Bank test. The DKB Cash Test shows in particular that the account is ideal for travellers. After all, withdrawing cash with a credit card is free of charge worldwide. Added to this is the cooperation with Miles & More... Read more

Netbank Experience 2022: Test Report on netbank Girokonto

Frankfurt|. Image source: Pixabay.com, User: HendoBe, CCO Creative Commons Licenses

Find out in the following test report what experiences I have had with the free current account of the netbank. How reputable is the bank and what does it offer? The netbank current account is not completely free compared to numerous other online current accounts. Can it make up for this disadvantage with better performance? At a glance – the short check of the netbank … Read more

Garnishment table 2023/2024 - An easy to understand presentation

garnishment table

The following garnishment table 2022/2023 shows how much of your income can be garnished in the event of a wage garnishment. You can use the garnishment table 2022/2023 in case of a wage garnishment as well as in case of an account garnishment. The differences between the two garnishments can be found in the section Account garnishment vs. wage garnishment. Alternatively, you can use our garnishment calculator to calculate the garnishment amount. With ... Read more

P-Konto Increase allowance - How long does it take?

P-Konto Increase allowance - How long does it take?

If you have a P-Konto, it is worth checking if you can increase the allowance. While by law the conversion of the account must be done within four business days, such a deadline does not exist for increasing the allowance. Therefore, many corrected rightly ask "How long does it take to increase the P-Konto allowance?". Normally, it is done ... Read more

Open second account despite P-Konto? - in 5 steps

Hope: Yes you can open a new account despite garnishment

Did you get a seizure order? If the question "Can I open a new account despite the garnishment?" is going through your head, we might be able to make things easier for you. Because you can open a new account despite the garnishment and thus greatly accelerate your debt relief. However, there are a few things to consider when opening a garnishment protection account. In … Read more

Garnishment calculator 2022/2023: The secret of the garnishment exemption limit

Garnishment calculator

With the garnishment calculator 20222/2023 you can easily determine how much wages can be garnished from your income in case of a wage garnishment. You can use the garnishment calculator 2022/2023 as a wage garnishment calculator in case of a wage garnishment or to calculate the P-Konto allowance in case of an account garnishment. You can find the differences between both garnishments in the section Account garnishment vs Wage garnishment. Alternatively, you can use the ... Read more

5 little known tips: P-Konto Allowance exceeded - How to get my money?

Cover P-Konto Allowance exceeded How do I get my money.

You have exceeded your allowance on the P account and are now asking yourself "How do I get my money?". The frustration with the outflow of money is understandable. Because if the incoming money on the P account is higher than the exempt amount, the money goes to the payout account. You will find out when the bank will pay out the money to the creditors... Read more

P account: 2 salary payments in one month (What happens now?)

Cover P-Konto 2 salary receipts in one month

If your employer pays your wages late, you will have 2 salary payments on your P account - in one month. You will probably exceed the monthly allowance. But what happens if the allowance is exceeded due to double receipt of payment? This is a special case of too much money on the P account, because it is actually about... Read more

P-Konto no payout despite credit: That's the reason

P-Konto no payout despite credit: This is the reason's

In the event of a garnishment, it is advisable that you open a Pfändungsschutzkonto to secure your existence. Alternatively, you can convert your existing account into a Pfändungsschutzkonto. Although P accounts promise protection of credit balances, it is sometimes not possible to make a withdrawal on the P-Konto despite having a credit balance. Often, you are legally entitled to the credit ... Read more

Double garnishment of account and wages: What you must do now

Double garnishment account and wages

In the case of double garnishment of account and wages, there is a simultaneous garnishment of wages and account. The risk of double garnishment exists if the statutory garnishment allowance (according to the current garnishment table) is higher than the (static basic) allowance protected on the P-Konto. This is the case when the static P-Konto exemption limits between €1,340 (without maintenance obligations) and €2,956 (with 5 or more maintenance obligations) are exceeded ... Read more

P account allowance exceeded due to additional payment

P account allowance exceeded due to additional payment

If you receive an additional payment of social benefits or child benefits, the increased income in the month of the additional payment often leads to the protected exemption amount on the P-Konto being exceeded. This will cause the bank to disburse the back payment and you will no longer have access to the money. If you are expecting an additional payment, you must therefore act quickly and file a ... Read more

Open a Postbank P account

Open a Postbank P account

Here you will find all essential information about the Postbank P-Konto (Pfändungsschutzkonto). On the "Postbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Postbank branch. This is also valid retroactively for 4 weeks. ... Read more

Open a Sparkasse P account

Open a Sparkasse P account

Here you will find all the essential information about the P-Konto of the Savings Bank (Pfändungsschutzkonto). On the "Sparkasse P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. In order to benefit from the P-Konto protection, you must submit a P-Konto conversion application at your Sparkasse branch. This is also valid retroactively for 4 weeks. ... Read more

Open a Volksbank P account

Open a Volksbank P account

Here you can find all essential information about the Volksbank P-Konto (Pfändungsschutzkonto). On the "Volksbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. In order to benefit from the P-Konto protection, you must submit a P-Konto conversion application at your Volksbank branch. This is also valid retroactively for 4 weeks. ... Read more

Open a Norisbank P account

Open a Norisbank P account

Here you can find all essential information about the P-Konto of Norisbank (Pfändungsschutzkonto). On the "Norisbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your norisbank branch. This is also valid retroactively for 4 weeks. ... Read more

Open a Commerzbank P account

Open a Commerzbank P account

Here you will find all essential information about the Commerzbank P-Konto (Pfändungsschutzkonto). On the "Commerzbank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Commerzbank branch. This is also valid retroactively for 4 weeks. ... Read more

Open a Deutsche Bank P account

Open a Deutsche Bank P account

Here you can find all essential information about Deutsche Bank P-Konto (Pfändungsschutzkonto). On the "Deutsche Bank P-Konto" credit balance in the amount of 1330.16 euros is protected from the access of creditors. To benefit from the P-Konto protection you have to apply for a P-Konto conversion at your Deutsche Bank branch. This is also retroactively still ... Read more

Free checking account with no minimum input 🥇

Free checking account with no minimum deposit

Would you like a free checking account even without receiving wages, salary, pension or BAföG? In 2021 providers of fee-free accounts will become increasingly rare. Because since September 2019, banks have had to pay 0.5 percent penalty interest to the European Central Bank. Many banks get this money back from their customers. Customers who do not have a minimum payment are particularly unpopular with banks. Read more

P-account allowance exceeded: When will the money be available?

P-Konto Allowance exceeded - When available

If you receive more money in a month than the garnishment exemption allows, you exceed the P account exemption. Now the bank moves the money above the garnishment exemption amount to a payment account and blocks it for the current month. The question of when the blocked money will be available again is raised because the P account allowance has been exceeded. ... Read more

P account: When does the money go to the creditor? (2 cases)

P-Konto: When does the money go to the creditor?

In order to answer the question "When will the money in the P account go to the creditor?" the cases of transfer of moratorium amounts and transfer amounts to the following month must be differentiated. In the case of moratorium amounts, your receipt of money is higher than the exempt amount, whereas in the case of transfer amounts in the following month, your exempt amount has not yet been exhausted and you make a savings contribution in the ... Read more

Student account comparison: The best bank for students

Study efficiently and save money by comparing student accounts

Going to college is usually a big change. Because it is often associated with moving to the place of study. Students who now receive income from part-time jobs, parental allowances or state subsidies must also systematically manage expenses – including rent, electricity, telephone and internet. The "control center" for all financial matters is nowadays the checking account. Above … Read more

Compare checking accounts – save 100 euros

Compare Girokonto - Save 100 Euro

A large part of the fees can often be saved by a low interest rate. Some banks that offer a free checking account only charge a relatively low interest rate. As a rule, these are direct banks that do not have their own branch network. They pass this cost advantage on to their customers. Furthermore, many providers also offer a free… Read more

GirokontoWhat does it matter?

Girokonto - What matters

The most important facts in brief A Girokonto at a branch bank is often expensive: account maintenance fees, transfer fees, withdrawal fees, ... the list could go on. Kreissparkasse Ludwigsburg has a list of prices and services for private customers with 83 items. In contrast, various direct banks often offer free accounts at good conditions. But free of charge does not always mean free of charge: Increasingly, banks have recently been taking ... Read more

The best account for travelers in the test: Santander vs. DKB vs. Comdirect

VW Camper in Spain

Compared to the Santander account, the DKB scores with a cheaper overdraft facility and lower minimum payment. In return, Santander will also reimburse you for fees charged by vending machine operators against receipt ("surcharges") and offers attractive bonus payments of up to €108 per year. Read more here about the DKB account in the DKB test report and here about the test winner account in the category ... Read more

Test winning accounts – What do I recommend?

Successful account change :)

The best current account for you in this article I will introduce you to the best current 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 current account To the offer: 1822direkt.de Criteria for the best free … Read more

Konto-Kredit-Vergleich.de goes live..!

Happy Birthday Konto-Kredit-Vergleich.com Photo by Pineapple Supply Co. from Pexels

Yippie yeah..! The Konto-Kredit Vergleich.de site goes live in November 2018. I hope you have fun comparing the best free current accounts in Germany. With the clever Girokontenvergleich you can currently earn a bonus of 148 Eur. The comparison is therefore worthwhile!!! Furthermore, I will soon also offer consumer loans for comparison. Stay tuned. Read more: Test report: free Girokonto 1|2|3 ... Read more

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