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Updated October 18, 2026 · VaultCue Editorial Team

Top accounts in Germany compared

906 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 accounts in Germany compared
OrderAccountScoreFeaturesKey factsActions
1
DKB (Deutsche Kreditbank) logo
DKB (Deutsche Kreditbank)Top pickPartner

Visa Kreditkarte: 30 € Bonus Aktion: 30 EUR

9.2/10
  • No monthly fee
  • Low FX
  • Free ATM
  • Joint account
Monthly fee:
€0 to €4.50
Deposit protection:
EU DGS up to EUR 100,000
Currency conversion fee:
0% to 2.2%
ReviewCompareVisit
2
DKB logo
DKBPartner

30 Euro Bonus Aktion fuer die Visa Kreditkarte (erstes Jahr): 30 EUR

9.1/10
  • No monthly fee
  • Low FX
  • Free ATM
  • Joint account
Headline rate:
4%
Deposit protection:
EU DGS up to EUR 100,000
Monthly fee:
€0 to €4.50
ReviewCompareVisit
3
iuvoSAVE logo
iuvoSAVEPartner
8.7/10
  • No monthly fee
Headline rate:
5%
Rate type:
Fixed
Term:
3 months
ReviewCompareVisit
4
Finom DE logo
Finom DEPartner

German site of Finom, a business account and payments solution for freelancers and small businesses.

9.4/10
    Monthly fee:
    €0
    Currencies:
    17
    Local account details:
    IBAN
    		ReviewCompareVisit
    5
    J&T Direktbank logo
    J&T DirektbankPartner
    		9.3/10
    • No monthly fee
    Headline rate:
    2.25%
    Rate type:
    Variable
    Minimum deposit:
    €0
    		ReviewCompareVisit
    6
    Kontist logo
    KontistPartner
    		9.1/10
    • No monthly fee
    Monthly fee:
    €0
    Deposit protection:
    EU DGS up to EUR 100,000
    Currency conversion fee:
    2%
    		ReviewCompareVisit
    7
    bunq logo
    bunqPartner
    		8.9/10
    • Expats
    • Travelers
    • No monthly fee
    • Joint account
    Headline rate:
    3.01%
    Rate type:
    Variable
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareVisit
    8
    EstateGuru logo
    EstateGuruPartner

    8% Campaign on additional EG Grow investments: Fixed annual interest rate of 8% instead of the standard 7%

    		8.8/10
      Headline rate:
      7%
      Rate type:
      Fixed
      Minimum deposit:
      €100
      		ReviewCompareVisit
      9
      Bank of Scotland DE logo
      Bank of Scotland DEPartner

      German online bank offering Festgeld fixed-term deposits and Tagesgeld savings alongside instalment and car loans.

      		8.5/10
        Headline rate:
        3%
        Account kind:
        Easy access
        Headquarters:
        Germany
        		ReviewCompareVisit
        10
        Travelex DEPartner

        German site of Travelex for buying foreign currency and travel money online with pickup in branches, plus a currency converter and exchange rate information.

        		8.5/10
          Currencies:
          45
          Legal entity:
          Travelex Deutschland GmbH
          Headquarters:
          Germany
          		ReviewCompareVisit

          Licensed in Germany

          DKB (Deutsche Kreditbank)
          Europäische Zentralbank
          DKB (Deutsche Kreditbank)
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          DKB
          European Central Bank (Europäische Zentralbank)
          DKB
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          J&T Direktbank
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Kontist
          BaFin and European Central Bank (banking licence held by partner bank Solaris SE, which holds the accounts; Kontist itself states it has no own banking licence)
          bunq
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Commerzbank
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Commerzbank
          European Central Bank
          Wüstenrot Bausparkasse
          European Central Bank
          Wüstenrot Bausparkasse
          Federal Financial Supervisory Authority (BaFin)
          Berliner Volksbank
          Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
          Deutsche Bank
          Europäische Zentralbank (EZB)
          Deutsche Bank
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          norisbank
          Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
          norisbank
          Europaeische Zentralbank (EZB)
          norisbank
          Industrie- und Handelskammer Bonn/Rhein-Sieg (Versicherungsvermittlerregister)
          Santander Consumer Bank
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Santander Consumer Bank
          European Central Bank
          TARGOBANK
          Europäische Zentralbank

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          Other countries

          DKB (Deutsche Kreditbank)

          DKB (Deutsche Kreditbank)

          Top pick for Germany

          9.2/10Visit