| Account management & fees | Monthly base price | -
•
Free = full points
-
•
≤ €5 = 11 points
-
•
≤ €10 = 8 points
-
•
≤ €20 = 4 points
-
•
> €20 = 0 points
| 14 |
| Transactions (free transactions and price per transaction) | -
•
Unlimited free transactions = full points
-
•
≥ 50 free transactions per month = 7 points
-
•
≥ 10 free transactions per month = 4 points
-
•
Every transaction charged = 0 points
| 10 |
| Cash deposits and withdrawals | -
•
Free deposits and withdrawals possible = full points
-
•
Charged but possible = 3 points
-
•
No cash deposits possible = 0 points
| 6 |
| Cards & payments | Cards included in the base price | -
•
Debit and genuine credit card included = full points
-
•
One card included = 5 points
-
•
Card only at extra cost = 2 points
-
•
No card available = 0 points
| 8 |
| Additional cards for employees | -
•
Free additional cards with spending limits = full points
-
•
Additional cards for a fee = 3 points
-
•
No additional cards = 0 points
| 5 |
| SEPA direct debit collection | -
•
Direct debit included = full points
-
•
At extra cost or only in higher plans = 4 points
-
•
Not possible = 0 points
| 7 |
| Accounting & integration | Interfaces to accounting software | -
•
DATEV export and integration with several accounting tools = full points
-
•
Integration with individual tools = 6 points
-
•
CSV or MT940 export only = 3 points
-
•
No export = 0 points
| 10 |
| Receipt capture and automation | -
•
Receipt upload with automatic matching in the account = full points
-
•
Receipt upload without automation = 3 points
-
•
No receipt function = 0 points
| 6 |
| Sub-accounts for reserves | -
•
Several free sub-accounts with their own IBAN = full points
-
•
Sub-accounts without their own IBAN = 2 points
-
•
No sub-accounts = 0 points
| 4 |
| Legal forms & account opening | Accepted legal forms | -
•
Sole traders, partnerships and corporations = full points
-
•
Sole traders and partnerships = 4 points
-
•
Sole traders and freelancers only = 2 points
| 7 |
| Formation or capital deposit account | -
•
Capital deposit account for founding a GmbH available = full points
-
•
Only after registration = 2 points
-
•
Not available = 0 points
| 5 |
| Account opening procedure and duration | -
•
Fully digital, account usable within 24 hours = full points
-
•
Digital, activation within one week = 2 points
-
•
Branch appointment or post required = 0 points
| 4 |
| Security & service | Deposit protection and supervision | -
•
Own banking licence with statutory deposit protection = full points
-
•
Partner bank with statutory deposit protection = 4 points
-
•
E-money institution without deposit protection = 1 point
| 6 |
| Customer service availability | -
•
German-language hotline with a dedicated contact = full points
-
•
German-language hotline = 3 points
-
•
Chat or email only = 1 point
| 5 |
| Banking app | -
•
App for iOS and Android with full functionality = full points
-
•
App with limited functionality = 1 point
-
•
No app = 0 points
| 3 |
