norisbank Kinderkonto review 2026
How good is norisbank Kinderkonto really?
BaFin-regulated 55/100 points
kosten.org editorial team
Last updated: 2026-02-08
55/100
Points
Based on published terms and features
norisbank, a subsidiary of Deutsche Bank, offers a straightforward free children's account. It is one of the few accounts that can be opened from birth. The offering is solid but functional – without financial education features or child-friendly apps.
Highlights of our norisbank Kinderkonto review
- norisbank children's account scores 62/100 points – a solid basis without extras.
- Completely free with a Girocard and 26,000+ ATMs.
- Can be opened from birth – ideal as a savings account.
- Optional Mastercard direct from age 12 (€12/year).
Table of contents
1 Costs & plan model
17/20
Points
Completely free: no account management, no Girocard fees, no costs for transfers. The optional Mastercard direct from age 12 costs €12/year – significantly cheaper than a Bling subscription, but with fewer features.
Scoring (17/20): Free with the Girocard. Deduction for the chargeable Mastercard direct.
2 Cards & acceptance
7/15
Points
Children receive a free Girocard (service card) – usable in Germany only. From age 12, optionally a Mastercard direct (debit card) for €12/year, which then also works online and abroad.
The account has its own IBAN. However, NFC/mobile payment is missing for the Girocard.
Scoring (7/15): Own IBAN available, but Girocard only for children under 12. Mastercard direct from 12 is a plus, but chargeable.
3 Financial education & pedagogy
1/15
Points
No financial education features. No savings goals, no task system, no gamification. norisbank relies on classic banking.
Scoring (1/15): No digital or educational financial education.
4 App & usability
7/15
Points
The norisbank app is a standard banking app for adults. It offers an account overview and transfers but is not optimised for children. App rating approx. 3.8 stars.
Scoring (7/15): Functional app, but neither child-friendly nor well rated.
5 Security & parental controls
11/15
Points
BaFin-regulated (via Deutsche Bank), German deposit protection (Einlagensicherung). Credit-balance account with no overdraft. Card blocking possible by phone or via the app. Parental control is classic – no app-managed limits.
Scoring (11/15): High security through BaFin/Deutsche Bank. Parental control, however, is not very digital.
6 Cash & payments
7/10
Points
Free withdrawals at 26,000+ Cash Group ATMs. Cash deposits at Deutsche Bank ATMs. SEPA transfers free.
The Girocard only works in Germany.
Scoring (7/10): Good cash access network, deposits possible. Limited by being Girocard-only.
7 Customer service
3/5
Points
Telephone support, email, no live chat. FAQ section available.
Scoring (3/5): Telephone and email, but no chat and limited documentation.
8 Extras & special features
2/5
Points
Can be opened from birth – this is unique and ideal as a long-term savings account. Otherwise no special extras.
Scoring (2/5): Opening from birth as a unique selling point. Otherwise no special extras.
Pros & cons at a glance
Pros
- Completely free
- Can be opened from birth
- 26,000+ Cash Group ATMs
- Cash deposits at Deutsche Bank
- BaFin-regulated
Cons
- No child-friendly app or financial education
- Girocard in Germany only
- Mastercard direct only from 12 and chargeable
- No Apple/Google Pay
- Less digital parental control
Conclusion: norisbank Kinderkonto review
55/100
Satisfactory (3.3)
The norisbank children's account scores 62 out of 100 points and is a solid but unspectacular option. It is completely free, BaFin-regulated and offers a large ATM network. However, child-friendly features, a modern app and a Visa/Mastercard for younger children are missing. For families looking for a simple savings account from birth, it is a good choice.
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