Current accounts without fees: How to find the best offer!

There are numerous changes and new offers in the area of ​​checking accounts. The focus is on the demand for fee-free accounts, which are increasingly difficult to find. computerbild.de reports that in order to make their accounts more attractive, some banks offer conditions that allow free access, but are often linked to a minimum monthly inflow of 700 euros.

The current account diary shows that some banks continue to offer these services, but under different conditions. For example, Santander Bank offers BestGiro with no minimum entry costs, while other banks such as DKB-Bank or ING allow a free account with a monthly inflow of at least 700 euros. Withdrawing cash is often free of charge.

Conditions and fees in detail

When it comes to common checking accounts, it is also important to know the different fees and benefits. girokonto-vergleich.net highlights that almost all banks allow payments via Apple Pay or Google Pay. The latest offers also provide new customer benefits, with a bonus of up to 150 euros for active use after at least three transactions per month in the first five months. The use of credit or debit cards is also free of charge with many providers.

Various current accounts with their respective conditions were listed in an overview. The interest rates on current accounts vary, often starting at 0%, with one bank even offering 3.45% interest on overnight money. Some banks also offer cashback programs and direct banking apps that are safe and convenient to use.

It should also be noted that switching accounts to another bank is a way to save fees, as free account management without receiving money can almost only be found at direct banks.