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Updated September 29, 2026 · VaultCue Editorial Team

Top current and checking accounts compared in Germany

536 accounts available in Germany, ranked for Germany.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top current and checking accounts compared in Germany
OrderAccountScoreFeaturesKey factsActions
1
Revolut AU logo
Revolut AUTop pickPartner
9.1/10
  • Travelers
  • No monthly fee
  • Low FX
  • Free ATM
  • Joint account
Monthly fee:
£0
Licence type:
E money
Deposit protection:
FSCS up to GBP 85,000
ReviewCompareVisit
2
Revolut UK logo
Revolut UKPartner
9.0/10
  • Travelers
  • No monthly fee
  • Free ATM
  • Joint account
Monthly fee:
£0
Licence type:
E money
Deposit protection:
FSCS up to GBP 85,000
ReviewCompareVisit
3
Kraken logo
KrakenPartner

Kraken+ free 30-day trial: 30 days free, then $4.99/mo

8.7/10
    Monthly fee:
    $4.99
    Licence type:
    Payment institution
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareVisit
    4
    comdirectPartner
    		9.4/10
    • No monthly fee
    Monthly fee:
    €0 to €4.90
    Deposit protection:
    EU DGS up to EUR 100,000
    Legal entity:
    Commerzbank AG
    		ReviewCompareSee alternatives
    5
    Berliner Volksbank logo
    Berliner VolksbankPartner

    Tagesgeld Aktionszins for new customers: 3.25 % p.a. on up to EUR 50,000.00 until 5 January 2027

    		9.4/10
    • No monthly fee
    Monthly fee:
    €0
    Deposit protection:
    EU DGS up to EUR 100,000
    Legal entity:
    Berliner Volksbank eG
    		ReviewCompareSee alternatives
    6
    Crypto.com Card logo
    Crypto.com CardPartner

    Subscription rebates on Ruby Steel and Jade Green card tiers: 3 months Spotify and Truth+ (Ruby Steel); 6 months Spotify, Netflix and Truth+ (Jade Green)

    		9.4/10
    • No monthly fee
    • Free ATM
    Monthly fee:
    €0
    Deposit protection:
    EU DGS up to EUR 100,000
    Currency conversion fee:
    0.2% to 2%
    		ReviewCompareSee alternatives
    7
    1822direkt logo
    1822direktPartner

    Tagesgeldkonto Sonderzins 3,50 % p.a. fuer 6 Monate: 3.50% p.a. for 6 months on up to 250,000 EUR, then variable base rate of currently 0.60%

    		9.3/10
    • No monthly fee
    • Joint account
    Monthly fee:
    €0
    Deposit protection:
    EU DGS up to EUR 100,000
    Legal entity:
    Gesellschaft der Frankfurter Sparkasse mbH
    		ReviewCompareSee alternatives
    8
    Banreservas logo
    BanreservasPartner
    		9.3/10
      Monthly fee:
      DOP 20
      Currencies:
      2
      Transfer fee:
      2% to 5% of the send amount, plus a fixed US$2.00-7.00 fee on amounts up to US$100 with Ria
      		ReviewCompareSee alternatives
      9
      Consorsbank logo
      ConsorsbankPartner

      Tagesgeldkonto Neukunden-Aktionszins: 3.60% p.a. on balances up to 1,000,000 EUR (1.00% p.a. above that) guaranteed for 5 months from account opening, interest credited quarterly; free Wertpapierdepot included

      		9.3/10
      • No monthly fee
      • Free ATM
      Monthly fee:
      €0
      Deposit protection:
      EU DGS up to EUR 100,000
      Currency conversion fee:
      2.1%
      		ReviewCompareSee alternatives
      10
      Curve logo
      CurvePartner
      		9.3/10
      • Travelers
      • No monthly fee
      • Low FX
      • Free ATM
      Monthly fee:
      £0
      Licence type:
      E money
      Deposit protection:
      EU DGS up to EUR 100,000
      		ReviewCompareSee alternatives

      Licensed in Germany

      Berliner Volksbank
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      1822direkt
      Europäische Zentralbank (ECB)
      1822direkt
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Consorsbank
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      Consorsbank
      Europäische Zentralbank (ECB)
      PayCenter
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      PayCenter
      DE_BAFIN
      Deutsche Skatbank
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      UnitPlus
      IHK Berlin (registration as financial investment intermediary under Section 34f GewO)
      UnitPlus
      BaFin (supervision of partner bank UniCredit, described as fully licensed)
      eZ Cash
      DE_BAFIN

      Other rankings

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      Other countries

      Revolut AU

      Revolut AU

      Top pick for Germany

      9.1/10Visit