Bank account open online: What should I consider when choosing?
Who wants to open an account, you must first of all raise the question of what priorities he would set. Various accounts differ in the MRP interest, the opening of the premium, and in the amount of account management fees. If you don't want to go, for example, with your account into Minus, is the amount of the overdraft interest rate not relevant for you. Many banks also offer free account management. That sounds good, but is often associated with conditions. Tempting opening bonus is often, you should not let the rest of the Kondotionen except Eight.
And MRP interest: What is it actually?
A crucial difference between the Offers of the online banks is shown in the Have and overdraft interest rates:
- The interest rate is positive: you receive a pozentuale compensation for their deposits with the Bank. If you have, for example, a monthly Average increase of 1000 Euro on your account, you will receive a rate of interest of 0.9 % at the end of the year 9 credited Euro (excl. Deduction of taxes).
- The overdraft interest rate may be the Problem: If you borrow money from your Bank with your account into the negative, does your Bank interest. This overdraft is interest from different providers varies, but is typically between 5 and 12 percent.
Bank account at ING-DiBa open
The current account of the ING-DiBa offers a very low overdraft interest rate.
- The account is at ING-DiBa for free. There are no conditions that you must meet.
- The Bank offers a competitive overdraft interest rate of 7.85%. The interest rate is at 0%.
- You get at ING-DiBa, a free VISA-Card, which withdraw about 90% of all ATMs in Germany free of charge.
- You can create your account around the clock, because the Bank offers Online Banking and free Mobile Banking App for iOS and Android to.
- You will receive a Bonus of 75 Euro. The condition is: Within the first four months of the need to respond in two consecutive months of Salary payments over a minimum of 1,000 euros.
ING-DiBa: low overdraft interest rate
Bank account with .comdirect open
The free checking account at the .comdirect offers a particularly high Bonus.
- The account is .comdirect unconditionally free of charge.
- The overdraft interest rate is still favorable. He is 8,95%. The interest rate is currently at 0.35%.
- Also at the time .comdirect you get a free VISA-Card, which withdraw nationwide, approximately 9,000 ATMs of the Commerzbank, Deutsche Bank, HypoVereinsbank, Postbank, as well as at all participating Shell gas stations free of charge money.
- Online Banking allows 24-hour access to your account. Also, there is the .comdirect-App free for iOS and Andoid.
- The Bonus at the .comdirect is impressive: Up to 25.11.2014 you get 150 euros as a gift. 100 Euro will get you, if you choose to make in the first three months after account opening a minimum of five transactions each of 25 euros or more. In addition, you will receive a 50 Euro, if in three of four months after account opening a minimum of 1,000 euros to the new account take.
The .comdirect account: high Bonus
Bank account at the Noris Bank
The current account of the Noris Bank offers a high interest-rate, unfortunately, is also the overdraft interest rate is high.
- Also at the Noris Bank account management is free of charge. For that you need to meet any conditions.
- The overdraft interest rate is at the Noris Bank is quite high. He is 11,05 %. The interest rate is relatively high, it is 0.5 %.
- You can stand out with the ec-/Maestro-Card to over 9000 vending machines, Commerzbank, Deutsche Bank, HypoVereinsbank and Postbank nationwide free of charge money. In addition to participating Shell gas stations.
- With the Noris Bank-Online Banking you have 24-hour access to your account. In addition, you can use the free Andoid App norisbank mobile use.
- A disadvantage of The Noris Bank is offering a Bonus for opening the account.
The current account of the Noris Bank
The DAB Bank checking account
With a current account at DAB Bank , you can at any ATM worldwide free-of-charge to withdraw money.
- Account management is also in the DAB Bank unconditionally free of charge.
- The overdraft interest rate is low, he is at 7.5%. Also of interest is good: 0.3% for offers to the DAB.
- You will receive a free MasterCard you worldwide and free of charge you can withdraw cash. With the DAB girocard, you can withdraw cash at ATMs of the Commerzbank, Deutsche Bank, HypoVereinsbank and Postbank nationwide free of charge money.
- Also in the case of the DAB Bank with Online Banking, round-the-clock access to your account. However, the DAB Bank has no Apps available.
- You will receive the DAB 50 Euro Bonus, if you use the account as a salary account. You need to capture within the first half of the year, three months in a row, salary inputs, at least 800 Euro.
Current account at DAB-Bank
Current account at the DKB open online
The account at the Deutsche Kreditbank AG offers a low overdraft interest rate and the possibility of worldwide free of charge to withdraw money.
- The account at the DKB is free of charge. For this you need to capture no minimum money input.
- The overdraft interest rate is only 7.5%. The Bank offers a 0.1% interest.
- With the free VISA Card, you can withdraw cash worldwide free of charge money.
- The DKB offers Internet Banking. However, there are no Apps, just a mobile Version.
- The Bank offers no Bonus, but in the case of opening an account, you will receive a 20% discount voucher for Adidas, or 15%, in the case of WMF.
DKB Internet banking
Conclusion: Which Bank account should I open?
Which Bank meets your needs the best, you have to decide for yourself.
- If you have a neidriger overdraft interest rate is important, DKB or DAB recommended.
- You value a good App offering, you should choose the account with ING-DiBa and the of .comdirect view.
- The best interest of the Noris Bank is currently offering, followed by .comdirect and DKB.
- In the case of the DAB and the DKB, you can stand out not only in Germany but worldwide for free money.
In our next article, we tell you the seven best tips to secure Online Banking.
