Consorsbank review 2026
How good is Consorsbank really?
BaFin-regulated 83/100 points
kosten.org editorial team
Last updated: 2026-02-16
83/100
Points
Based on published terms and features
Consorsbank scores in the call money comparison with the best overall package: top rates, a €100 new customer bonus and the full confidence of a BNP Paribas subsidiary with a German BaFin licence.
Highlights of our Consorsbank review
- 3.10% p.a.
- €100 bonus
- BaFin + BNP Paribas
- Full bank
Table of contents
1 Interest rates & terms
25/30
Points
3.10% p.a. for new customers (guaranteed for 6 months). After that a variable rate (currently around 1.50%). €100 new customer bonus when opening call money + securities account. No tiering. Monthly interest credit. Interest paid up to €1 million.
2 Security & deposit protection
25/25
Points
Consorsbank is a brand of BNP Paribas S.A. Niederlassung Deutschland (German branch). BaFin-regulated. Statutory deposit protection up to €100,000 per customer via the French guarantee fund FGDR (the bank is BNP Paribas S.A. of France), plus voluntary membership of the deposit protection fund of the BdB (the Association of German Banks); the scope of that cover for Consorsbank customers is stated by the bank in its depositor information sheet.
3 Account opening & management
16/20
Points
Online account opening with video identification. Modern online banking and app. ActiveTrader for ambitious investors. Account and securities account in one. Financial planning tools. Tax optimisation.
4 Flexibility & availability
12/15
Points
Daily availability. Instant transfers between current account and call money. Visa debit card included. Apple Pay + Google Pay. Real-time transfers.
5 Costs & transparency
5/10
Points
Call money completely free. Current account from €0 (with conditions). Securities account with low order costs. Transparent interest history. Tax certificate automatic.
Pros & cons at a glance
Pros
- BNP Paribas security
- €100 bonus
- Full bank offering
- Additional voluntary BdB protection
Cons
- New customer rate limited in time
- Regular rate clearly lower
- Bonus tied to conditions
Conclusion: Consorsbank review
83/100
Very good (1.9)
Consorsbank scores with a €100 new customer bonus in addition to the good rates. Anyone looking for a full bank with BNP Paribas security is in the best hands here.
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