How we ranked the best Girokonto
Our editors evaluated each Girokonto on objective criteria that matter to most German consumers: monthly fees, free ATM withdrawals, debit card type, app quality, customer service, deposit protection and welcome bonuses. We then weighted those scores against real-world usability.
Our top pick: C24 Smart-Konto
C24 Bank combines a fully free Girokonto with a free Mastercard, German IBAN, instant SEPA payments and integrated cashback at hundreds of partners. It is fully BaFin-regulated and 100% digital, with onboarding in under 10 minutes.
- No monthly fees, ever
- Free Mastercard with contactless and mobile payments
- Cashback on partner purchases
- Pockets for budgeting and savings
Strong alternatives
If you want established branch-bank backing, DKB and ING remain excellent choices, though both require a minimum monthly deposit to stay fee-free. N26 is a great option if you want a slick mobile-first experience and travel often.
How to choose the right account
Pick based on how you use money day-to-day. If you want cashback and simple free banking, C24 wins. If you withdraw cash abroad frequently, DKB Aktivkunde is unbeatable. If you want a sub-account for sharing expenses, N26 Spaces is the easiest.
Top Girokonto comparison
| Bank | Monthly fee | Highlight |
|---|---|---|
| C24 Smart-Konto | 0 € | Cashback + free Mastercard |
| N26 Standard | 0 € | Modern app, virtual cards |
| DKB Girokonto | 0 € (with €700 salary) | Free worldwide withdrawals |
| ING Girokonto | 0 € (with €700 salary) | Established direct bank |
| Comdirect Girokonto | 0 € (conditional) | Full-service banking |
Frequently Asked Questions
Are these Girokonto really free?
Yes — all accounts in our list are free of monthly fees when basic conditions are met (e.g. a monthly salary deposit for DKB and ING). C24 and N26 Standard are unconditionally free.
Do I need German residency?
Most German banks require a registered address in Germany (Anmeldung) to open an account. C24 and N26 accept EU residents in several countries.
Is a SCHUFA check required?
Yes — German banks run a SCHUFA check when issuing a Girokonto. Approval is usually fast for applicants with a normal credit profile.
Which Girokonto has the best app?
C24 and N26 lead in app quality, with instant notifications, budgeting tools and integrated card controls.
Can I switch banks easily?
Yes. The Kontowechselservice (account switching service) is legally guaranteed in Germany and automates moving direct debits and salary to your new account.
Ready to get started?
Open your account in minutes — fully digital, BaFin-regulated, with German IBAN.