All providers rated 2026
Independent reviews, experiences and ratings of banks, brokers, insurers and more – with the kosten.org rating badge.
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pCloud
Swiss cloud storage with one-off lifetime plans, optional end-to-end encryption and generous free storage.
bunq
Dutch neobank with a focus on sustainability and innovation.
C24 Bank
Free neobank from the CHECK24 group with a top app and interest on balances.
Consorsbank
Full-service bank with a strong focus on brokerage and attractive bonuses.
DKB
One of Germany's largest direct banks, with a free current account.
ING
Germany's largest direct bank, focused on simple, fair products.
N26
Pioneer of German neobanks with a mobile focus.
norisbank
Deutsche Bank subsidiary with an inexpensive current account.
Revolut
Global neobank with a focus on travel and multi-currency.
Trade Republic
Germany's most popular broker, with 2% interest and a €1 order fee.
Scalable Capital
Neobroker with a flat-rate option and a broad range of savings plans.
finanzen.net zero
Completely free neobroker from finanzen.net.
justTRADE
Neobroker with €0 order fees and crypto trading.
Smartbroker+
Neobroker with access to all German exchanges.
flatex
Established online broker with a flat-rate pricing model.
S Broker
Online broker of the Sparkassen Finance Group with its own banking licence and connection to the Sparkassen institutional protection scheme.
CapTrader
Introducing broker for Interactive Brokers – low minimum deposit, professional trading.
LYNX
Introducing broker for Interactive Brokers with a trading academy.
eToro
Social trading pioneer with a copy trading feature.
XTB
Polish trading broker with free share trading.
sevDesk
Accounting software with AI-powered receipt capture.
Lexware Office
Cloud accounting from the Haufe group.
Papierkram
Simple cloud accounting for freelancers and small business owners.
FastBill
Cloud accounting with a strong focus on automation.
Billomat
One of Germany's oldest cloud accounting providers.
BuchhaltungsButler
AI-powered accounting with automatic account assignment.
FINOM
Credit line and business account for SMEs and freelancers.
teylor
Digital business loan for mid-sized companies (Mittelstand) up to €1.5 million.
iwoca
Flexible business loan up to €500,000 with repayment calculated to the day.
COMPEON
Financing portal with 300+ bank partners for business loans.
Invesdor
Crowdfunding platform for business financing up to €2.5 million.
FinCompare
Financing portal for the Mittelstand (small and mid-sized businesses) with personal advice.
Münchener Verein
Travel health insurance with 70 days of travel duration, no health check and no age limit.
ERGO Direkt
Direct insurer focused on simple products and solid benefits.
HanseMerkur
The travel insurance specialist with decades of expertise.
DFV
Innovative insurtech focused on digital processes and transparency.
Debeka
One of the largest private health insurers, with extremely attractive premiums.
HUK-Coburg
Strong and reliable cover from the market leader in motor insurance.
INZMO
Berlin insurtech for smartphone insurance and rent deposit guarantees.
Cashper
Mini-loan specialist for small amounts up to €1,500, fast payout for an extra fee.
Ferratum Money
International mini-loan provider with a good rating.
Bling Card
Prepaid Mastercard for children with a financial education app and parental controls.
Revolut <18
Free children's account from the neobank Revolut with its own Kids & Teens app.
DKB Girokonto u18
Completely free current account with its own IBAN and a Visa debit card for children and teenagers.
norisbank Kinderkonto
Free children's and youth account from norisbank with a Girocard and Cash Group access.
Pockid
Debit Mastercard for teenagers with a banking app and parental controls.
VIMpay Young
Free virtual prepaid Mastercard for children aged 7 and over.
WISO Steuer
Market leader in tax software, with the highest recognition rate and all types of income covered.
Taxfix
The simplest tax app: a tax return on your smartphone in 22 minutes on average.
Smartsteuer
Browser-based tax software with an assessment check and an objection generator.
SteuerGo
Cheapest online tax software with solid functions and an objection service.
Lohnsteuer kompakt
Online tax software specialised in employees, with carry-over of data from the previous year.
Wundertax
Online tax software with AI tax tips and an optional tax adviser check.
Accountable
The tax app for freelancers and the self-employed – with EÜR, advance VAT returns and banking integration.
Zasta
Tax service with a genuine tax adviser check – free if the refund is under €100.
Norman
Modern tax app with a minimalist design and AI support in ~15 minutes.
Steuerbot
Tax return by chat: Steuerbot guides you through your taxes like a messenger conversation.
DepositDirect
Rent deposit guarantee for 4.2% of the deposit amount per year, with instant online approval.
Baloise Mietkaution
Swiss insurer with a long tradition, with a digital rent deposit guarantee.
heysafe
Modern insurtech for digital rent deposit guarantees.
kautionsfrei.de
Rent deposit guarantee from R+V for 4.7% a year, with a voucher for an initial legal consultation.
Deutsche Kautionskasse
Moneyfix® rent deposit with an Allianz guarantee, sold through many Sparkassen.
Hepster
Smartphone insurance with instant cover and battery coverage.
ERGO Handyversicherung
Large German insurer with a high cover limit of up to €7,000.
CosmosDirekt Handyversicherung
Direct insurer with instant cover and vandalism protection.
ARAG Handyversicherung
Premium electronics cover with theft included and cover up to €5,000.
GIROMATCH
Frankfurt fintech loan broker with instant payout and a Schufa-free pre-check.
Verivox
Germany's largest comparison portal for loans, electricity, gas and insurance.
Spotify
Well-known music streaming service with more than 100 million songs, lossless audio in the Premium plan, podcasts and audiobooks.
Apple Music
Premium streaming with lossless audio, spatial audio and seamless Apple integration.
Amazon Music
Included with Prime, with Alexa integration and Ultra HD audio.
Tidal
The streaming service for audiophiles, with hi-res FLAC up to 24-bit/192 kHz and Dolby Atmos in the standard plan.
Deezer
French streaming service with HiFi and the unique SongCatcher feature.
YouTube Music
Music streaming with the world's largest music video library and the YouTube Premium bundle.
NordVPN
Premium VPN from Panama with the NordLynx protocol, more than 7,000 servers in around 150 countries and a no-logs policy audited by Deloitte (according to the provider).
ExpressVPN
Premium VPN with the Lightway protocol, excellent streaming support and headquarters in the British Virgin Islands.
Surfshark
Low-cost VPN with unlimited device connections, the CleanWeb blocker and Nexus technology.
CyberGhost VPN
User-friendly VPN with the lowest entry price in our comparison, optimised streaming servers and a 45-day money-back guarantee (multi-month plans).
Proton VPN
Open-source VPN from Switzerland with a free plan, Secure Core and CERN roots.
Mullvad VPN
Swedish privacy VPN with anonymous account creation, a fixed price and a philosophy of absolute minimalism.
CleverReach
German newsletter tool with servers in Germany/the EU, a free Lite plan (250 recipients) and Basic from €15 a month net.
Brevo
All-in-one platform for email, SMS, WhatsApp and CRM with EU servers: Free up to 100,000 contacts (300 emails a day), Starter from €7 a month.
Mailchimp
The world's largest email marketing platform, with AI features, the most extensive integrations and a modern editor.
rapidmail
German newsletter tool from Freiburg that is very easy to use, with servers in Germany and plans from €15 a month (Essential, 500 recipients) – or pay per send.
GetResponse
Polish marketing tool with landing pages, AI email generation and webinars in the Creator plan; Starter from €16 a month net (1,000 contacts).
ActiveCampaign
Highly developed marketing automation with CRM and lead scoring, from $15 a month (Starter, 1,000 contacts, annual payment).
HubSpot E-Mail-Marketing
Enterprise CRM platform with integrated email marketing, an inbound marketing philosophy and comprehensive analytics.
Inxmail
German enterprise newsletter tool with hosting in Germany, ISO 27001 certification and an API-first architecture – platform from €200 a month, Mail Relay from €70 a month.
sipgate
German VoIP pioneer with a cloud phone system from €12.95 per user (business S, minimum 2 users), SIP trunking and plans that can be cancelled monthly.
Placetel
Cloud phone system from Cisco-owned Placetel, from €6.90 per user (Essentials, 24 months), with Webex integration for mid-sized companies.
3CX
Flexible software PBX with a self-hosting option and a free 4SC Free Basic Edition; annual licence per system, e.g. 8SC Basic $300.
NFON
Listed cloud PBX provider from Munich with Microsoft Teams integration and a transparent price list from €4.80 per extension net.
Easybell
Low-cost SIP trunk and VoIP provider from Berlin: SIP trunk from €1.95 a month, Basic cloud phone system (5 extensions) for €0.
Fonial
Simple cloud phone system from Cologne for small businesses: €3.90 net per activated phone number per month, with no set-up fee.
STARFACE
German Linux-based phone system as a cloud or on-premises solution with a modular approach.
SumUp
Europe's leading mobile card terminal provider with transparent fees and no monthly fixed costs.
Zettle by PayPal
PayPal card reader (now PayPal POS) with a free POS system, 1.39% for all cards and no contract.
myPOS
Android-based card terminals with instant payout and an integrated business account.
Bezahlexperten
German card terminal broker with personal advice and tailor-made offers from various acquirers.
CCV
Europe's largest independent terminal manufacturer, with countertop and mobile solutions for the Mittelstand.
Worldline
Global payment group with enterprise card terminals, omnichannel solutions and its own processing.
Concardis
German full-service payment provider (now Nexi) with its own acquiring licence and omnichannel solutions.
DaVinci Resolve
Professional all-in-one solution for editing, colour grading, VFX and audio – with a powerful free version.
Final Cut Pro
Apple's professional video editor with Magnetic Timeline and Apple silicon optimisation – as a one-off purchase (€349.99) or on subscription via Apple Creator Studio.
Wondershare Filmora
Beginner-friendly video editor with AI features, a huge template library and a low price.
Shotcut
Free open-source video editor for Windows, Mac and Linux with broad format support.
Hetzner Cloud
Germany's best cloud provider, with excellent value for money, an API-first approach and a German data centre.
IONOS VPS
Large German hosting provider with VPS from €5 a month (promotion: €2 for 3 months), a managed option, unlimited traffic and 24/7 phone support.
Netcup
German root server specialist with dedicated vCPUs, unlimited traffic and a strong community.
Contabo
Munich host with the most resources per euro – 8 GB RAM from €5.50 a month and global locations.
DigitalOcean
Developer favourite with excellent documentation, Kubernetes, managed databases and a Frankfurt data centre.
Linode (Akamai)
Cloud provider with the Akamai backbone, excellent network performance and a Frankfurt data centre.
Vultr
Global cloud provider with 32 locations, bare metal servers, a 100% uptime SLA and from $2.50 a month.
OVHcloud
Europe's largest cloud provider with unlimited traffic, anti-DDoS and a German data centre in Limburg.
easyname
Vienna host with VPS in an ISO 27001 data centre in Austria, a traffic flat rate, Windows licence included and German-language phone support.
DISTINGO Bank
French direct bank with a promotional rate of 3.30% for 3 months, then 1.95% p.a., EU deposit protection up to €100,000.
Trade Republic
Berlin neobroker with 3.00% p.a. interest on balances, a BaFin licence and German deposit protection.
WeltSparen (Raisin)
Europe's leading savings platform with access to top rates from 400+ partner banks and EU deposit protection.
Consorsbank
BNP Paribas subsidiary with 3.10% call money, a €100 bonus for new customers, BaFin regulation and full banking.
Suresse Direkt Bank
Dutch direct bank with 3.00% p.a. on call money and EU deposit protection up to €100,000.
UmweltBank
Germany's greenest bank: 3.00% p.a. on call money, BaFin-regulated and 100% sustainable investment.
Ferratum Bank
Finnish fintech with 2.90% p.a. on call money and EU deposit protection via its Maltese branch.
Netflix
Major streaming service with a large library and award-winning in-house productions – from €6.99 a month with ads.
Amazon Prime Video
Streaming + Prime delivery + Amazon Music Prime + Reading in one subscription for €8.99 a month or €89.90 a year – with selected live sport broadcasts.
Apple TV+
Apple's streaming service Apple TV (formerly Apple TV+) with high production quality, 4K Dolby Vision and ad-free originals – €9.99 a month.
Sofatutor
One of the most extensive German learning platforms, with videos, exercises and worksheets for grades 1–13; from €11.99 a month (Basic, 24 months paid upfront).
simpleclub
Learning platform with casual explainer videos and study plans for grades 5–13 and apprentices: unlimited for €89.99 a year (equivalent to €7.50 a month).
Anton
Free, ad-free learning app for grades 1–10 with gamification – ideal for primary and lower secondary pupils.
Studyflix
Free, ad-funded learning platform for upper secondary school, university and vocational training – according to the provider more than 8,000 learning videos and more than 6 million users.
Duden Learnattack
Learning platform from Duden with curriculum-based content, original class tests and the AI tutor “Kim”; from €6.63 a month (Basic, new customers, 24 months).
ErsteNachhilfe
Tutor matching service with, according to the provider, more than 100,000 tutors on site or online; Premium contact from €1.99 a month (12 months).
Billbee
Beginner-friendly multichannel solution for small online retailers – billing by number of orders from a €9 net minimum fee, cancellable monthly.
JTL-Software
JTL-Wawi inventory and merchandise management in editions from JTL Start (€0) to Enterprise – multichannel ERP with its own shop and till, marketplace orders via order packages.
PlentyONE (ehem. plentymarkets)
Cloud-based all-in-one e-commerce ERP (formerly plentymarkets) – according to the manufacturer 150+ marketplaces, plans from €59 a month net.
Xentral
Lean cloud ERP for D2C brands and modern e-commerce companies – strong in automation, from €99 a month (Launch, plus €0.30 per order).
Qonto
Digital business account from a regulated payment institution – with a free Starter plan, DATEV integration and team cards.
FYRST
Digital business account from Deutsche Bank AG with a free entry-level plan.
Holvi
Finnish business account with built-in invoicing and bookkeeping.
Kontist
Berlin fintech with an automatic tax reserve for freelancers.
Tide
British fintech business account with automatic bookkeeping and invoice management.
Vivid Money
Berlin neobank with cashback, interest on balances and 100% mobile banking.
Wallester Business
Estonian fintech for virtual business cards and expense management.
Postbank
Business account from the Postbank brand (Deutsche Bank AG) with a large branch network and cash services.
Sparkasse
Germany's largest financial group, with regional advice and a nationwide branch network.
TARGOBANK
Branch bank with a free online account and a strong lending business.
Tomorrow
Sustainable neobank from Hamburg – banking with a positive impact.
HypoVereinsbank
Traditional Munich bank and part of the UniCredit group, with premium banking.
Volksbank
Cooperative regional banks with a nationwide branch network.
PSD Bank
Cooperative direct banks with an inexpensive online current account.
Sparda-Bank
Cooperative branch banks with a free current account.
Openbank
Digital subsidiary of the Santander group with a free account and a free credit card.
easybank (ehemals Barclays)
Free Visa credit card with partial repayment and a 0% interest promotion.
gebührenfrei.de
Free Mastercard Gold with a travel insurance package from Advanzia Bank.
PayCenter
Prepaid credit cards and VIMpay – card solutions with no credit check.
Livestorm
French webinar platform, 100% in the browser, billed by usage: €2.50 per participant (from 400 credits = €1,000 for 12 months).
Demio
Browser-based webinar platform focused on ease of use and conversion tools, from $45/month (Starter, annual).
GoTo Webinar
Established webinar provider with robust reporting features and euro pricing: Reach from €50/month (annual) for up to 500 participants.
ClickMeeting
Polish all-round webinar tool with euro pricing from €35/month (Essential, annual, 50 participants), browser-based, servers in the EEA.
WebinarJam
Marketing-oriented webinar platform with sales features, from $39/month (Starter, annual, 100 participants), up to 5,000 participants.
LiveWebinar
Polish, browser-based webinar tool with euro pricing from €24/month (Basic, annual, 25 participants) and a free plan for 5 participants.
BigMarker
Enterprise platform for large virtual and hybrid events: Enterprise up to 10,000, Enterprise+ up to 500,000 live participants, pricing on request only.
edudip
German webinar provider, data on German servers only according to edudip, from €24/month (Creator, annual, 30 participants).
HelloFresh
Meal-kit market leader in Germany with the largest recipe selection and quick preparation.
Marley Spoon
Premium meal kit with organic ingredients and creative recipes in cooperation with Martha Stewart.
PrepMyMeal
Ready-made fitness meals with exact macronutrient information, ideal for athletes and meal prep.
Wyldr
Sustainable meal kit with regional, seasonal ingredients and a creative recipe concept.
EasyCookAsia
Specialised meal kit for authentic Asian cuisine with exotic ingredients and step-by-step instructions.
My Cooking Box
Italian speciality meal kit with high-quality imported ingredients from Italy, also suitable as a gift box.
Tischline
Inexpensive meal-kit provider with large portions, ideal for families of 2-6 people.
Jeden Tag Kochen
High-quality ready meals, from 5 minutes' preparation time – ideal for working people and singles.
BERGFÜRST
Leading real estate crowdinvesting platform with investments from €10 and returns of 5-7% a year.
Exporo
Largest real estate crowdinvesting platform in Germany with project financing and existing-property investments.
econeers
Specialised crowdinvesting platform for sustainable energy investments in solar, wind and hydropower projects.
OneCrowd
Umbrella brand for Seedmatch and econeers – combines start-up and energy crowdinvesting under one roof.
Impact Funding
Platform for sustainable and social investments with measurable societal impact.
inVenture
Austrian crowdinvesting platform for start-up investments in the DACH region.
Companisto
Leading start-up investment platform with equity crowdfunding and genuine company shareholdings.
Seedmatch
German pioneer platform for start-up crowdfunding since 2011, part of the OneCrowd group.
Kapilendo
Crowdinvesting platform specialising in financing for German SMEs, with 4-8% return a year.
Helpling
Market leader for online cleaner booking, with over 1 million cleanings arranged in Germany.
Wecasa
French platform for home cleaning and ironing – fixed price with no service fee, payment only after the job.
Semrush
Comprehensive all-in-one SEO tool with a very large keyword database (26 billion+), part of Adobe since 2026.
Ahrefs
The backlink specialist among SEO tools, with a very large link and keyword index (around 29 billion keywords).
Mangools
Inexpensive entry-level tool with intuitive operation – 5 SEO tools in one from €37.70/month (annual).
SE Ranking
SEO suite with plenty of rank tracking even on the entry plan and white-label reports as an add-on package for agencies.
Sistrix
The DACH industry standard with the best-known visibility index – indispensable for German SEO professionals.
Ubersuggest
Inexpensive SEO entry point with a unique lifetime plan – developed by marketing guru Neil Patel.
Seobility
German SEO provider from Nuremberg – GDPR-compliant, with a permanently free Basic plan and a strong on-page check.
Moz Pro
SEO veteran with the well-known Domain Authority (DA) metric and a strong learning community.
Hamburg Direct Bank
Digital brand of Hamburg Commercial Bank for call money and fixed-term deposits, with German deposit protection.
BBVA
Spanish major bank that has entered Germany since 2025 as a purely digital bank with an interest-bearing current account and call money.
Bank of Scotland
Traditional Scottish brand, operated in Germany by Lloyds Bank GmbH, based in Berlin.
Raisin Bank
German full bank behind the WeltSparen interest platform, working mainly as a settlement and fronting bank for fintechs.
Nexent Bank
Dutch bank that was called Credit Europe Bank until 2025 and offers call money and fixed-term deposits in Germany.
DenizBank
Austrian bank of the Emirates NBD group, offering call money and fixed-term deposits in Germany through a Frankfurt branch.
J&T Direktbank
German direct-bank brand of the Czech J&T Banka with call money and fixed-term deposits through a Frankfurt branch.
GEFA Bank
German specialist bank for Mittelstand financing from Wuppertal that offers call money and fixed-term deposits to private customers.
pbb direkt
Online brand of Deutsche Pfandbriefbank for call money and fixed-term deposits, with German deposit protection.
Klarna
Swedish fintech bank, known in Germany mainly as a payment service, with call money and fixed-term deposits for savers.
wiLLBe
Investment app of Liechtensteinische Landesbank with call money, fixed-term deposits and digital wealth management.
Crédit Agricole Savings
Digital savings platform of the French Crédit Agricole group with call money and fixed-term deposits for German customers.
Instabank
Norwegian digital bank from Oslo whose call money and fixed-term deposits are accessible to German savers via interest platforms.
SWK Bank
German direct bank for instalment loans and fixed-term deposits that also works as a back-end bank for other providers.
CreditPlus Bank
Stuttgart specialist bank for consumer loans from the Crédit Agricole group, with instalment and car loans.
Hanseatic Bank
Hamburg private bank owned by Société Générale and Otto Group with instalment loans, credit cards and savings products.
S-Kreditpartner
Consumer credit specialist of the Sparkassen Finance Group, based in Berlin, offering personal and car loans through the Sparkassen.
Maxda
One of Germany's oldest loan brokers, based in Speyer, specialising in difficult credit profiles and loan refinancing.
auxmoney
Düsseldorf-based loan marketplace that arranges instalment loans and also considers applicants with weaker credit.
Mein-Onlineantrag.de
Loan brokerage and comparison platform from the Nuremberg-based financeAds group for instalment loans and financial products.
AGORA direct
German introducing broker for Interactive Brokers with access to more than 175 trading venues worldwide.
ARMO Broker
Irish introducing broker for Interactive Brokers with German-language support from Düsseldorf.
HMP Brokers
Düsseldorf trading provider with brokerage, coaching and asset management under one liability umbrella.
ICM InvestmentBank
Berlin-based securities trading bank with individual asset management and the digital ETF depot ICMsuite.
IG Europe
German company of the British IG group for CFD, forex and turbo trading under BaFin supervision.
Joe Broker
Targobank neobroker app with low order prices, ETF savings plans and a German banking licence behind it.
MeinBroker
Hamburg broker for worldwide exchange trading under the liability umbrella of ATVANTIS Asset Management GmbH.
Pepperstone
Australian CFD and forex broker that serves German customers through the BaFin-licensed Pepperstone GmbH in Düsseldorf.
Traders Place
German neobroker from Freilassing with depot management via Baader Bank and low order fees.
WH SelfInvest
Luxembourg broker for futures, CFDs and forex with a German branch and its own trading software.
tradegate.direct
Direct brokerage from Tradegate AG with fee-free trading via its own Berlin trading venue.
growney
Berlin robo-advisor with ETF portfolios, its own BaFin licence for portfolio management and a low minimum investment.
quirion
Germany's oldest robo-advisor, a subsidiary of Quirin Privatbank, with ETF portfolios and optional personal advice.
Ginmon
Frankfurt robo-advisor with factor-based ETF portfolios and its own BaFin licence for financial portfolio management.
Evergreen
Leipzig securities institution that invests through its own sustainable retail funds rather than classic ETF portfolios.
OSKAR
Family-oriented robo-advisor with children's depots and employer-funded savings (VL), technically implemented by Scalable Capital.
Whitebox
Freiburg robo-advisor with a valuation-oriented ETF strategy and its own BaFin permit.
bevestor
Digital asset management from DekaBank and therefore the robo-advisor of the Sparkassen Finance Group.
froots
Vienna asset manager with individualised portfolios, supervised by the Austrian FMA.
UnitPlus
Berlin fintech that combines ETF investing and paying by debit card in one account.
klimaVest
Commerz Real impact fund in the form of an ELTIF that invests in wind farms, solar plants and sustainable infrastructure.
Figo
Digital pet health insurance for dogs, cats and small animals – not a broker and not an investment provider.
Fidelity
Fund depot offer from Fidelity International in Germany, processed through FIL Fondsbank, which holds its own banking licence.
Interhyp
Germany's largest broker of private mortgages, a subsidiary of the Dutch ING Groep, with several hundred lenders.
Dr. Klein
Mortgage broker from Lübeck, a subsidiary of the listed Hypoport SE, with around 600 bank partners through the Europace platform.
Baufi24
Hamburg mortgage broker with over 500 bank partners, part of the Nordic Capital-backed Bilthouse group since 2022.
CE-Baufinanz
Owner-managed mortgage broker from Hamburg with around 500 financing partners and a focus on subsidy advice.
DTW Immobilienfinanzierung
Mortgage broker of DTW GmbH from Mannheim, specialising in direct phone brokerage with a low-interest guarantee.
Bitpanda
Austrian crypto and investment platform from Vienna with MiCAR licences from BaFin, FMA and MFSA – crypto without deposit protection.
Bitvavo
Dutch crypto exchange from Amsterdam with an AFM MiCA licence, one of Europe's largest euro trading platforms.
Coinbase
US crypto exchange listed on Nasdaq, with a MiCA licence from Luxembourg for its EU business – no deposit protection for coins.
Kraken
One of the world's oldest crypto exchanges, with EU business through the Irish Payward Europe holding a MiCA licence from the Central Bank of Ireland.
Finst
Dutch crypto platform founded by former DEGIRO employees, MiCA-licensed by the AFM, with a very low trading fee.
kautel
Online rent deposit guarantee from cresult GmbH in Cologne; the risk carrier and guarantor is R+V Versicherung AG.
ARAG
The largest family-owned legal expenses insurer, also in the market with liability, home contents and dental supplementary plans.
Gothaer
Long-established mutual insurance association from Cologne with property, pet and life insurance.
ERGO
Primary insurer of the Munich Re group with the brands ERGO, DKV and D.A.S. and offers in almost all personal lines.
DA Direkt
Direct insurer of Zurich Gruppe Deutschland with low-cost online plans for liability, home contents and legal expenses.
CosmosDirekt
Direct insurer of Generali Deutschland from Saarbrücken, best known as a major provider of term life insurance.
Deutsche Familienversicherung
Frankfurt-based specialist insurer for dental supplementary, long-term care and pet insurance with highly standardised online plans.
Getsafe
Digital insurance provider from Heidelberg that arranges liability, home contents and extra cover through an app.
ROLAND
Cologne-based specialist legal expenses insurer, founded in 1957 as a joint venture of several insurers.
DELA
Dutch specialist in funeral cover and bereavement provision, with a German branch in Düsseldorf since 2018.
Agila
Hanover-based specialist insurer for dogs and cats with health, surgery and dog liability cover.
Petprotect
Pet insurance brand from the ProSiebenSat.1 environment; the risk carriers are Barmenia Versicherungen.
Feather
Berlin digital broker that presents German insurance in English and mainly serves newcomers to Germany.
GVV Direkt
Cologne direct insurer from the municipal GVV group with lean liability and home contents plans.
MVK Versicherung
Karlsruhe mutual insurance association focusing on liability and home contents cover for private customers.
Haftpflicht Helden
Hamburg digital provider of liability cover; the risk carrier is NV-Versicherungen VVaG from Neuharlingersiel.
GEV Grundeigentümer
Hamburg specialist insurer focused on property ownership, with home contents, liability and buildings cover.
die Bayerische
Munich insurance group with roots dating to 1858, active in life, property, dental supplementary and pet insurance.
Solidar
Bochum funeral fund in the legal form of a mutual insurer, specialising exclusively in funeral cover insurance.
MAXCARE
Digital sales brand for dental and supplementary health insurance; the risk carrier is Münchener Verein.
ottonova
Munich digital insurer and Germany's first purely digital private health insurer, also with dental supplementary plans.
Hannoversche Versicherung
Germany's oldest direct insurer, from Hanover, focused on term life, funeral cover and disability insurance.
ALTE LEIPZIGER
Long-established insurer from Oberursel with roots dating to 1830, active in life and property, and through its sister company Hallesche also in health.
SIGNAL IDUNA Bauspar
Building society (Bausparkasse) of the SIGNAL IDUNA Gruppe, based in Hamburg, also offering fixed-term deposits via interest platforms.
BKM Bausparkasse Mainz
Private building society (Bausparkasse) from Mainz with building savings, mortgage and savings offers, legally protected up to €100,000.
KRAFTFAHRER-SCHUTZ e.V.
Munich motoring club and head of the KS/AUXILIA group; legal expenses cover is carried by AUXILIA Rechtsschutz-Versicherungs-AG.
PANDA Tierversicherungen
Digital pet insurance provider with a sustainability focus; since 2025 the risk carrier is InterRisk from the Vienna Insurance Group.
PAYONE
PAYONE is one of Germany's leading payment service providers, offering merchants and the self-employed card terminals and payment solutions for in-store and online sales from a single source.
How we rate
Our rating system is based on a transparent points system with up to 100 possible points. We rate against objective criteria in the categories of terms, features, banking functions, service and security. The score is converted into a star rating (1–5) and a grade.
Our rating categories
- Account fees: costs and conditions for a free account
- Cards: girocard, debit card, credit card
- Cash: withdrawal and deposit options
- Payments: Apple/Google Pay, international payments
- Service: support, sub-accounts, account switching service
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