Open bank account online: comparison of providers

You can open a bank account online at many banks. In our comparison you will find out which bank offers the best conditions and the largest bonus.

Open a bank account online: What do I have to consider when choosing?

If you want to open an account, you first have to ask yourself which priorities you want to set. Different accounts differ in their overdraft facility, opening bonus and the amount of account management fees. If, for example, you do not want to go into the red with your account, the amount of the overdraft interest is not relevant for you. Many banks also offer free account management. That sounds good, but is often linked to conditions. The opening bonus is often tempting, but you shouldn't neglect the other conditions.

Credit and dispo interest: what is it actually?

A decisive difference between the offers of the online banks can be seen in the credit and overdraft interest:

• The credit interest rate is positive for you: you receive an annual remuneration for your deposits with the bank. For example, if you have an average monthly increase of € 1, 000 in your account, you will receive € 9 at the end of the year with a credit interest of 0.9% (plus tax deduction).
• The overdraft rate can become a problem for you: if you borrow money from your bank, i.e. if your account goes into the red, your bank charges interest. This discount rate varies with different providers, but usually ranges between 5 and 12 percent.

Open a bank account at ING-DiBa

The checking account of ING-DiBa convinces with a particularly low overdraft facility.

• Account management is free of charge at ING-DiBa. There are no conditions that you have to meet.
• The bank offers a particularly favorable interest rate of 7.85%. However, the credit interest is 0%.
• You receive a free VISA card from ING-DiBa, which you can use to withdraw money free of charge from over 90% of all ATMs in Germany.
• You can use your account around the clock because the bank offers online banking and a free mobile banking app for iOS and Android.
• You will receive a bonus of 75 euros upon opening. The condition: within the first four months, wages received for at least 1, 000 euros must be received in two consecutive months.

Open a bank account at .comdirect

The free current account at .comdirect offers you a particularly high bonus.

• Account management is unconditionally free of charge at .comdirect.
• The discount rate is still cheap here. It is 8.95%. The credit interest rate is currently 0.35%.
• You can also get a free VISA card from .comdirect, with which you can withdraw money free of charge from around 9, 000 ATMs nationwide at Commerzbank, Deutsche Bank, HypoVereinsbank, Postbank and at all participating Shell petrol stations.
• Online banking enables 24-hour access to your account. There is also a free .comdirect app for iOS and Andoid.
• The bonus at .comdirect is impressive: You will receive 150 euros as a gift until November 25th, 2014. You will receive EUR 100 if you make at least five transactions of EUR 25 or more in the first three months after opening an account. In addition, you will receive 50 euros if at least 1, 000 euros is credited to the new current account in three out of four months after opening the account.

Bank account with the Norisbank

The current account of Norisbank offers a high credit interest, unfortunately the overdraft interest is also high.

• Account management is also free of charge at Norisbank. You do not have to meet any conditions for this.
• The overdraft rate at Norisbank is quite high. It is 11.05%. The interest on credit is relatively high, at 0.5%.
• With the ec- / Maestro-Card you can withdraw money free of charge from over 9, 000 ATMs operated by Commerzbank, Deutsche Bank, HypoVereinsbank and Postbank nationwide. Also at participating Shell petrol stations.
• With Norisbank online banking you have 24 hours access to your account. You can also use the free andoid app norisbank mobile.
• One disadvantage: Norisbank does not offer a bonus for opening an account.

$config[ads_text5] not found

DAB bank checking account

With a current account at DAB-Bank you can withdraw money free of charge from all ATMs worldwide.

• Account management is also unconditionally free at DAB-Bank.
• The overdraft rate is low, at 7.5%. The credit interest rate is also good: DAB offers 0.3%.
• You will receive a free MasterCard with which you can withdraw money free of charge worldwide. With the DAB girocard you can withdraw money free of charge from ATMs at Commerzbank, Deutsche Bank, HypoVereinsbank and Postbank nationwide.
• At DAB-Bank you also have 24/7 access to your account with online banking. However, the DAB bank does not provide any apps.
• You will receive a 50 euro bonus at DAB if you use the account as a salary account. You must have received income of at least EUR 800 for three consecutive months within the first half of the year.

$config[ads_text6] not found

Open a current account at the DKB online

The account at Deutsche Kreditbank AG offers you a low overdraft facility and the option to withdraw money worldwide free of charge.

• Account management at the DKB is free of charge. You do not have to post a minimum payment for this.
• The discount rate here is only 7.5%. The bank only offers 0.1% credit interest.
• With the free VISA card you can withdraw money worldwide free of charge.
• The DKB also offers you internet banking. However, there are no apps, only a mobile version.
• The bank does not offer a bonus, but when you open an account you get a 20% voucher at Adidas or 15% at WMF.

Conclusion: which bank account should I open?

You have to decide which bank best suits your needs.

• If an envious dispo interest is important to you, DKB or DAB are recommended.
• If you value a good app offer, you should take a look at the ING-DiBa account and that of .comdirect.
• The best credit interest is currently offered by Norisbank, followed by .comdirect and DKB.
• With DAB and DKB you can withdraw money free of charge not only in Germany, but worldwide.

In our next article, we will reveal the seven best tips for secure online banking.