While big banks like Commerzbank is changing their fee structure and increasing the charges, there are still some hidden gems out there – no account fees, and a lot of perks which are especially good for expats (like worldwide money ATM usage – free of cost, free of cost Mastercard, and much more). Just check out the table below and change from Commerzbank: Apply instantly.
- Smart account
App-based account with top
interest rates on
current account balances
95% Recommendation
1,1
Account note
very good
10.272
57.763
Cash machines
0 € mtl.
Debit card
7,49%
Overdraft Interest
0 € mtl.
Girocard (optional)
- 1,5% Daily interest rate
- 1,25% Direct interest on current account balances
- withdraw worldwide for free
2. Checking Account
Online comfort account with
top cash availability
92% Recommendation
1,4
Account note
very good
1.561
57.763
Cash machines
0 € mtl.
Debit card
8,68%
Overdraft Interest
0,99 € mtl.
Girocard (optional)
- 1,5% Daily interest rate
- withdraw worldwide for free
0 €
monthly account management
3. HVB Plus Account
Comfort account with branch network
and personal advice
83% Recommendation
1,8
Account note
good
1.384
6.000
Cash machines
0 € mtl.
Debit card
3,44%
Overdraft Interest
1 € mtl.
Girocard (optional)
- personal contact person
4. GiroDirekt
Online account of Frankfurter
Sparkasse
84% Recommendation
2,0
Account note
good
320
23.164
Cash machines
3 € mtl.
Debit card
10,61%
Overdraft Interest
0 € mtl.
Girocard (optional)
5. Top Checking Account
Online account of the direct bank
of Deutsche Bank
75% Recommendation
2,0
Account note
good
214
57.763
Cash machines
0 € mtl.
Debit card
11,00%
Overdraft Interest
0 € mtl.
Girocard (optional)
- 2,5% Overnight interest rate until June 30, 2025
- withdraw worldwide for free
0 €
monthly account management
6. BestGiro
Comfort account with permanently
free account management
78% Recommendation
2,0
Account note
good
55
2.800
Cash machines
0 € mtl.
Debit card
11,20%
Overdraft Interest
1 € mtl.
Girocard (optional)
- 2,30% Overnight interest rate for 4 months
7. N26 Standard
App-based account
2,2
Account note
good
57.763
Cash machines
0 € mtl.
Debit card
8,90%
Overdraft Interest
keine
Girocard
- 0,5% Daily interest rate
- withdraw worldwide for free
0 €
monthly account management