Set up a Giro account online - comparison of providers

If you want to set up a Giro account online, you should first compare the providers. In this practical tip, we present five of the best providers for Giro accounts.

1. Giro account with the DKB

1. Account fees and interest: The account management at the DKB is permanently free of charge. The credit interest is 0.2 percent for the credit card account. The overdraft rate, like the overdraft rate, is 6.9 percent.
2. Cards: You can get a free checking card as well as a free VISA credit card from the DKB.
3. Money supply: With your credit card you can withdraw cash free of charge from all ATMs with VISA signs worldwide.
4. Special features: With the DKB-Cash you can enjoy exclusive benefits such as DKB live, online cashback, mobile top-up, PayPal, mobile online banking via the DKB banking app, secure online banking (test winner CHIP, issue 11 / 2018) and - thanks to multibanking - you have an overview of all your accounts.

2. Set up a Giro account at Deutsche Bank online

1. Account fees and interest: The account management fee for the best account at Deutsche Bank is EUR 11.90 per month. The discount rate is 10.90 percent.
2. Cards: You get a Girocard and a golden MasterCard free of charge with a best account at Deutsche Bank.
3. Money supply: With the Girocard you can withdraw cash free of charge from 52, 000 ATMs worldwide (cash group).
4. Specials: The cheaper AktivKonto costs 0 euros in the first months, later you pay 5.90 euros per month. However, no MasterCard is included in the price.

3. Create a Giro account online with ING-DiBa

1. Account fees and interest: Account management at ING-DiBa is free of charge. The overdraft rate, like the overdraft rate, is 6.99 percent per year.
2. Cards: You get a free Girocard and a free VISA credit card from ING-DiBa.
3. Money supply: With the credit card you can withdraw money free of charge from all VISA machines in Germany and other EU countries.
4. Special features: If you receive two monthly payments of more than 1, 000 euros, you will receive a credit of 75 euros. Official DiBa apps are available for Android and iOS, among others.

4. Giro account at 1822 Direct

1. Account fees and interest: The account management at 1822 Direct up to the age of 27 is generally free of charge. From the age of 27, account management is free of charge provided that money is received monthly (regardless of the amount). The cost of the account is otherwise 3.90 euros per month. Overdraft interest and overdraft interest amount to 7.43 percent per year.
2. Cards: The Girocard is available free of charge from 1822 Direct. From the age of 27 there is a fee of 29.90 euros for the credit card. From an annual turnover of 4000 euros you will receive the VISA card free of charge.
3. Cash supply: You can withdraw cash free of charge from all Sparkasse machines.
4. Specials: If you receive at least two salaries of more than 500 euros in the first 4 months, you will receive a bonus of 50 euros. Apps for Android and iOS are available for mobile banking.

5. Giro account at Commerzbank

1. Account fees and interest: Account management is free at Commerzbank - with a minimum receipt of one cent per month. The overdraft rate is 9.75 percent, the overdraft rate 12.25 percent per year.
2. Cards: You get both a Girocard and a Mastercard for free.
3. Money supply: You can withdraw money free of charge from your Girocard at over 9, 000 ATMs in Germany. Abroad you can get cash at all ATMs with Mastercard signs.
4. Specials: After three months of active use of the account (at least five transactions of 25 euros or more per month), you will receive a welcome bonus of 200 euros.

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If you want to change your provider now: In the video we show you how to change quickly

Have you decided on a provider? Then read 7 tips for secure online banking in the next article.