| Account management | Account fee | -
•
Free without conditions = full points
-
•
Free with condition (salary deposit) = 12 points
-
•
< €5/month = 6 points
-
•
≥ €5/month = 0 points
| 15 |
| Minimum monthly deposit required | -
•
No minimum deposit = full points
-
•
≤ €700 = 2 points
-
•
≤ €1,000 = 1 point
-
•
> €1,000 = 0 points
| 5 |
| Overdraft rate | -
•
≤ 7% = full points
-
•
≤ 10% = 2/3 points
-
•
≤ 13% = 1/3 points
-
•
> 13% = 0 points
| 5 |
| Card offering | Debit card (girocard/Visa Debit) | -
•
Included free of charge = full points
-
•
For a fee = 1 point
-
•
Not available = 0 points
| 5 |
| Credit card included | -
•
Free without conditions = full points
-
•
Free with minimum spend = 5 points
-
•
Available for a fee = 2 points
-
•
Not available = 0 points
| 8 |
| Second card / partner card possible | -
•
Yes, free = 2 points
-
•
Yes, for a fee = 1 point
-
•
No = 0 points
| 2 |
| Cash withdrawals | Free cash withdrawals in Germany | -
•
Free everywhere = full points
-
•
At ATMs of a network = 6 points
-
•
Limited number free = 3 points
-
•
Always charged = 0 points
| 10 |
| Free cash withdrawals worldwide | -
•
Free everywhere (incl. foreign currency) = full points
-
•
Free in the eurozone = 4 points
-
•
Limited number free = 2 points
-
•
Always charged = 0 points
| 7 |
| Cash deposits possible | -
•
Yes, at own ATMs = full points
-
•
Yes, in shops (REWE etc.) = 2 points
-
•
No = 0 points
| 3 |
| Payments | Foreign currency fee for card payments | -
•
0% = full points
-
•
≤ 1.5% = 3 points
-
•
≤ 1.75% = 2 points
-
•
> 1.75% = 0 points
| 5 |
| Apple Pay & Google Pay | -
•
Both available = full points
-
•
Only one available = 1 point
-
•
None = 0 points
| 3 |
| Interest & saving | Interest on the current account balance | -
•
≥ 2% = full points
-
•
≥ 1% = 2 points
-
•
> 0% = 1 point
-
•
0% = 0 points
| 4 |
| Linked savings account | -
•
Yes, with attractive interest = 3 points
-
•
Yes, with low interest = 1 point
-
•
No = 0 points
| 3 |
| Banking app & features | Mobile app quality | -
•
≥ 4.5 stars (App Store) = full points
-
•
≥ 4.0 stars = 4 points
-
•
≥ 3.5 stars = 2 points
-
•
< 3.5 stars = 0 points
| 5 |
| Instant transfers | -
•
Free = full points
-
•
Charged = 1 point
-
•
Not available = 0 points
| 2 |
| Sub-accounts/spaces possible | -
•
Yes, several free = 2 points
-
•
Yes, limited = 1 point
-
•
No = 0 points
| 2 |
| Multibanking available | -
•
Yes = 1 point
-
•
No = 0 points
| 1 |
| Customer service | Phone support | -
•
24/7 free of charge = full points
-
•
Free on working days = 3 points
-
•
Charged = 1 point
-
•
No phone = 0 points
| 4 |
| Live chat / messenger | -
•
Yes, with a short waiting period = 2 points
-
•
Yes, restricted = 1 point
-
•
No = 0 points
| 2 |
| Branches available | -
•
Yes, throughout Germany = 2 points
-
•
Yes, regional = 1 point
-
•
Online-only bank = 0 points
| 2 |
| Security & extras | Deposit protection | -
•
German deposit protection (€100,000+) = full points
-
•
EU deposit protection = 2 points
| 3 |
| BaFin regulation | -
•
Yes = 2 points
-
•
No (EU regulation) = 1 point
| 2 |
| New customer bonus | -
•
≥ €100 = full points
-
•
≥ €50 = 1 point
-
•
< €50 or none = 0 points
| 2 |
