Compare free current accounts in Germany

Current accounts are convenient tools to help you store money to spend on-the-go. However, the pesky monthly charges that usually come with current accounts can easily add up. This guide will help you explore free current accounts in Germany, to help you find the right account for you.

Compare a range of free current accounts in Germany

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Name	Product	Management Fee	Interest Rate	Overdraft	Card Fee
Commerzbank Free current account		€0	0%	-	€0	Receive €100 starting credit after 3 months of account activity A current account with €0 fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.	Go to site More Info		loading Fetching your data...
1822MOBILE Current Account		€0	0%	-	€0	Receive €20 credit when you open an account and use it to receive your salary. Open by 30 November 2020.* Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.	Go to site		loading Fetching your data...
Comdirect Bank Current Account		€0	0%	6.50%	€0	A free current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.	Go to site More Info		loading Fetching your data...
Norisbank Top Current Account		€0	0%	10.85%	€0	Benefit from a €0 account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.	Go to site More Info		loading Fetching your data...
TARGOBANK Starter Account		€0	0%	-	€0	Equipped with all essential banking features, this free account designed to help students or young adults below 30 years old to kickstart their financial independence.	Go to site More Info		loading Fetching your data...
Commerzbank StartKonto		€0	0%	-	€0	A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.	Go to site More Info		loading Fetching your data...
Santander 1plus Visa Card		€0	0%	13.98%	€0	A global travel credit card with a €0 annual fee and 13.98% p.a.. Benefit from a 5% refund on travel bookings and 1% tank discount globally.	More Info		loading Fetching your data...
DKB-VISA-Card		€0	0%	-	€0	A current account with €0 fees that comes with a free Visa credit card and free cash withdrawals worldwide.	Go to site More Info		loading Fetching your data...
TARGOBANK Online-Account		€3.95	0%	-	€0	An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.	Go to site More Info		loading Fetching your data...
1822direkt Classic Checking Account		€0	0%	7.17%	€0	This low fee checking account offers instant overdraft facility, free bank card and cash withdrawal at over 25,000 ATMs.			loading Fetching your data...
Comdirect Joint account		€0	0%	6.50%	€0	Manage shared expenses and achieve similar savings goals with this free joint account. Comes with separate login details and bank cards.	More Info		loading Fetching your data...
DKB-Cash Free current account		€0	0%	6.65%	0 €	This free banking package comes with a host of transactional and checking features, plus complimentary GIRO and DKB-VISA cards.	More Info		loading Fetching your data...
DKB-Cash: Joint account		€0	0%	6.65%	€0	Access and manage shared expenses without restrictions, plus other banking features including an overdraft facility and free DKB Visa cards.	More Info		loading Fetching your data...
Degussa Bank GiroDigital PLUS		€0	0%	9.63%	€0	Benefit from convenient online payments, purchase protection and cash withdrawals at over 4,200 ATMs nationwide with this free current account.			loading Fetching your data...
Santander BestGiro Account		€0	0%	13.98%	€0	This current account offers real-time online transfers, contactless payments and charges no account management fees.			loading Fetching your data...
Postbank The comfort account		€0	0%	8.46%	€0	Get everything you need to manage finances and more, including custody account management and free cash withdrawals in other Eurozone countries.	More Info		loading Fetching your data...
Norisbank Student Account		€0	0%	10.85%	€0	Specially created for students, this free current account comes with Apple Pay compatibility, overdraft facility and other digital banking features.			loading Fetching your data...
Bank Cler Private account		€0	0%	0%	€0	This account offers a multitude of digital banking services with no withdrawal restrictions, making it ideal for day-to-day payments and salary credit.	More Info		loading Fetching your data...
BBBank Young account		€0	0%	-	€0	This starter account offers competitive interest rates and is designed to help youths inculcate good financial habits.			loading Fetching your data...
Bank Cler Youth account		€0	0.3%	-	€0	Earn interest on your balance and transact conveniently with this free current account designed for youths below 20 years old.	More Info		loading Fetching your data...
DKB-Cash: Student account		€0	0%	6.65%	€0	Enjoy flexible payment features with no account management fee, plus discounts at various partner merchants.	More Info		loading Fetching your data...
Santander Free student account		€0	0%	-	€0	From free withdrawals to online banking features, this free student account is designed to ease your personal finance management while you’re in school.			loading Fetching your data...
BBBank Young Account Professional Starter		€0	0%	-	€0	Benefit from zero account management fee, digital banking features and attractive interest rates as you get started on your career and financial journey.			loading Fetching your data...
Bank Cler Foreign currency account		€0	0%	0%	€0	With competitive FX rates and no withdrawal restrictions, this account is ideal for those who frequently invest or transact in foreign currency.	More Info		loading Fetching your data...
Postbank The Young Acount		€0	0%	10.33%	€0	This free current account offers essential banking services for young adults, including the Postbank YOUNG MONEY app for on-the-go finance management.	More Info		loading Fetching your data...
Comdirect JuniorGiro account		€0	0%	0%	€0	Access your finances anytime and anywhere with this free current account, which comes with a wide range of banking features and customisable debit card.	More Info		loading Fetching your data...
Bank Cler Private account euro		€0	0%	-	€0	Transact or invest in Euros without having to worry about FX risks.	More Info		loading Fetching your data...
Santander 1|2|3 Giro Current account		€0	0%	13.98%	€0	Unlock loyalty bonus when you meet requirements such as salary credit, debit payments, maintain a paid deposit or construction loan.			loading Fetching your data...

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• *Disclaimer

  *The products compared here are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order for the products we list on our site, so we enable you to re-order and compare products. The initial display order is influenced by a range of factors including commercial partnerships, product costs and conversion rates, so please don’t interpret the listing order as an endorsement or recommendation from us. We’re happy to provide you with the tools you need to make better decisions, and we encourage you to make your own decisions and compare and assess products based on your individual needs, preferences and circumstances.

What are free current accounts?

Free current accounts are daily spending accounts that are not subject to any monthly or annual fees. These accounts often do not offer interest rates — rather, they come with Giro cards, Maestro cards, debit cards or credit cards. While free current accounts do not charge monthly fees, they might come with miscellaneous fees like card-related charges or ATM-withdrawal costs.

Free current accounts in Germany

Here are some free current accounts in Germany for you to consider.

• DKB current account. The DKB current account comes with a Visa card for convenient payments, a free Girocard and free cash withdrawals within the Eurozone.
• N26 current account. N26 offers a free current account with multilingual support, a debit MasterCard and a mobile app for easy usage.
• Commerzbank current account. Enjoy a free Girocard with Maestro functionality and unlimited cash withdrawals from CashGroup ATMs when you choose Commerzbank.
• Comdirect current account. With a comdirect current account, you’ll get a free Girocard with VPay features as well as a Visa credit card. This credit card can be linked to Apple Pay and Google Pay for a seamless spending experience.
• Santander current account. Use this account for unlimited cash withdrawals with any Visa ATM. You can also sign up for their Couple account, a joint current account that comes with two free Girocards.
• Norisbank current account. As a branch of Deutsche Bank, norisbank offers free current accounts that come with a free Girocard, mobile payments functionality and a couples account option.
• ING current account. ING offers current accounts with a Visa credit card, free Maestro Card and unlimited cash withdrawals from any ATM in Germany.

What other features matter when I’m choosing a current account?

Besides considering monthly and annual fees, there are a few important factors you should consider when choosing a current account. Here are some features for you to think about.

• Account type. Choose an account that best suits your banking needs. This could mean choosing a student account if you’re in school, or a multicurrency current account if you spend overseas frequently.
• Cashback. Some German bank accounts offer cashback of between 1-2% when you spend with your debit card. If you frequently use your card instead of cash, this could be a worthwhile feature.
• Customer service. A bank’s customer service team is the support system to help you out with any account troubles. Your chosen bank should offer reliable, friendly and accessible customer support.
• Availability of ATMs. Current accounts are everyday accounts that help you spend easily. However, not all merchants might accept credit or debit card. In these cases, you should be able to find an ATM nearby to withdraw cash conveniently. As such, consider choosing a bank network with ATMs near you.

Hidden charges to watch out for

While free currents accounts come with no monthly or annual fees, a host of other charges may apply. Such charges may include:

• ATM withdrawal fees. Some banks charge an additional fee when you withdraw money from international ATMs or ATMs beyond the Eurozone.
• Card-related fees. Free current accounts often come with debit cards for easy spending. Card-related fees that may be incurred include card delivery fees, card replacement fees and monthly card charges.
• Currency conversion fees. Some free current accounts come with multicurrency functionality. In such cases, an additional currency conversion fee may apply when you spend with your card.

How do I sign up for a free current account?

Most banks allow you to sign up for a free current account online. Here’s how it usually works:

• Visit your desired bank’s website. You should be able to find an online application form for the current account you’re interested in.
• Fill up the online form. This will often include providing details like your full name, address, contact number and monthly income.
• Submit the online form and provide verification documents as requested.
• Wait for the bank to get back to you. Your account should be approved in a few business days, and you’ll receive your chosen debit or credit card via the mail.

Remember that while signing up for a current account may be easy, different current accounts come with different eligibility requirements. Certain free current accounts may be unavailable to you depending on your income, credit history, citizenship or country of residency. As such, you should read up on eligibility requirements for your preferred current account before signing up.

Bottom Line

While free current accounts in Germany offer low monthly and annual fees, they might not be the best accounts for you. Instead, consider factors like features and hidden fees before making a decision.