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Postbank business account review

Postbank offers four specialised business accounts — which one should you pick?

As a subsidiary of Deutsche Bank AG, Postbank works with over 300,000 German companies through its specialised business accounts. This review will examine the features of Postbank’s business accounts — including the chargeable fees and sign up process — to help you decide if Postbank is right for you.

5.90 €

Management Fee

1

Number of users

N/A

Local transfers limit

Compare Postbank products

Name Product Management Fee Number of users Local transfers limit
Postbank Business Giro
5.90 €
1
N/A
Enjoy effortless control for business transactions with free accounting assistant, online payments options and more.
Postbank Business Giro active
12.90 €
1
N/A
This flexible corporate account includes a business assistant, exclusive loan options and virtually all essential banking products.
Postbank Business Giro aktiv plus
16.90 €
1
N/A
Manage your business finances conveniently with a wide range of benefits, including digital invoices, paperless statements and an overdraft facility.
Postbank Business Giro Trust
5.90 €
1
N/A
An escrow account designed for the fiduciary management of third-party assets.
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What features are offered by Postbank Business?

There are a few key features that you can look forward to with Postbank, no matter which business account you choose. With these helpful tools, your business will be able to access financing options, streamline its accounting processes and much more.
  • Free cash withdrawals at over 10,000 ATMs across Germany
  • 24/7 access to online banking services
  • Secure payment for customers via paydirekt
  • Digital assistant for order management
  • Seamless order authorisation using BestSign fingerprint authentication
  • An attractive interest rate of 7.99% p.a. for overdraft facilities
  • A personal corporate banking liaison to assist with all your queries
  • Complimentary securities account with free account management services

What business accounts are offered by Postbank?

There are currently four business accounts available.

  • Postbank Business Giro. This €5.90/month current account comes with a free accounting application. It not only creates professional invoices but also issues payment reminders to customers. With the Business Giro, you can further offer paydirekt as an online payment option, which is especially useful if you are an online e-commerce retailer.
  • Postbank Business Giro Active. For €12.90/month, you’ll receive a complimentary Visa Business Classic card, 24/7 cash deposit and withdrawal services, as well as exclusive business and current account loans. These features are in addition to the perks offered with the Business Giro account.
  • Postbank Business Giro Active Plus. At €16.90/month, the Giro Active Plus provides you with free custody account management, a Visa Business card, and more flexible credit offerings.
  • Postbank Trust. This escrow account can be used as a trust account for professional groups at €5.90 per month.

Postbank business accounts bill on a monthly basis and you can amend or cancel your plan at any time. Moreover, Postbank is currently offering a free six-month trial for all its accounts — so you can give them a try and decide which account is right for your business.

Fees

Here are the general types of fees you’ll encounter with a Postbank Business account.
  • Account management fees. Depending on your chosen account, you may be subject to management fees ranging from €5.90 to €16.90 per month.
  • Card-related fees. Potential card-related fees including card replacement fees, international spending fees and monthly card fees.
  • Overdraft fees. If your business chooses to take up a line of credit, you will be charged interest on the amount of overdraft you draw. This interest amount will vary depending on the amount you borrow and your financial profile.

Make sure you read the full terms of each Postbank Business account so that you understand any other conditions they may have, and to avoid unexpected fees.

Is my money safe with Postbank?

Postbank has more than 30 years of experience in the banking industry. It is regarded as one of the safest banks in Germany by Deutschland Test and Focus-Money, in terms of transaction security and customer support. Additionally, as a subsidiary of Deutsche Bank AG, Postbank offers the security and stability arising from its parent company.

How to sign up for Postbank Business

Signing up for a business account is as easy as just visiting Postbank’s website and filling up a form.

Firstly, choose whether you will be applying for an individual business account or a joint account. During your application, you will be asked to provide an email address as well as other personal information and details regarding your company.

Once you’re done, you will be prompted to create a Postbank ID and password. With this ID, you will be able to access all online features offered with y0ur new business account.

Bottom line

With its renowned customer service and helpful features, Postbank is definitely a worthy contender for your business to consider. Although it may not offer sleek interfaces like competitor digital banks, Postbank ensures the safety and security of your funds while providing affordable financing options for your business.

Ultimately, whether Postbank is the best fit for your company will depend on the unique needs of your business. You should consider a wide range of factors — including spending patterns, client preferences and where your business is based — before choosing a business account.

Compare business bank accounts in Germany

Name Product Management Fee Number of users Local transfers limit
bunq Easy Bank Business
4.99 €
1
N/A
Enjoy zero FX fees on your overseas spending, plus send and receive instant payments with ease. Comes with a complimentary prepaid card.
Commerzbank Founder offer
14.90 €
1
75 per month

Receive 100 € opening your account online and enjoy 14.90 € per month for the first 2 years

N26 Business You
9.90 €
10
Unlimited
A premium business account with free foreign currency payments, cashback and a complimentary insurance package.
Kontist Free Business Account
0 €
1
Unlimited
A free business account for solo self-employed. No hidden costs, convenient account switching service, first-class in-house support. SEPA transfers and direct debit, Visa Business Virtual Debit Card, Google Pay and overdraft facilities.
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Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Management Fee Number of users Local transfers limit
Revolut Business Free
0 €
Unlimited
5
A no monthly fee business account designed for small teams. Hold 28 currencies in your account and get 5 free local transfers.
Qonto Basic
9 €
1
30
Self-employed account including 1 user and 1 physical one card. It allows up to 30 free transfers
Revolut Freelancer Professional
7 €
Unlimited
20
A professional account for up to users. Hold and exchange 28 currencies, get user permissions, expense management and more.
Qonto Premium
39 €
5
100
A flexible current account for startups and small businesses. Receive unlimited users, multi-lingual support, customised account access, bulk transfers and more.
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Frequently asked questions

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