norisbank review 2026
How good is norisbank really?
BaFin-regulated 64/100 points
kosten.org editorial team
Last updated: 2026-02-01
64/100
Points
Based on published terms and features
norisbank is the direct-bank subsidiary of Deutsche Bank and positions itself as a low-cost alternative for security-conscious customers. In our review, we examine whether norisbank manages the balancing act between traditional bank stability and modern online banking, or whether it has lost touch with the neobanks technologically.
Highlights of our norisbank review
- norisbank scores 64/100 points in our rating – a solid alternative to the Sparkasse savings banks for traditionalists.
- One of the easiest free accounts to qualify for (from €500 in monthly deposits).
- Free cash supply at more than 9,000 Cash Group ATMs in Germany.
- Maximum security through its integration into the Deutsche Bank group.
Table of contents
1 Account management
17/25
Points
The norisbank "Top-Girokonto" is free from as little as €500 in monthly deposits. This sets the bar significantly lower than at ING or DKB (€700 each). Without these deposits, or for customers over 21, a moderate €3.90 a month applies.
The account can be opened entirely digitally, but the process feels somewhat less smooth than at modern fintechs. The overdraft rate (Dispozins) of 12.15% p.a. is in the upper market average.
Points: 17/25
2 Cards
7/15
Points
A Girocard (debit card) is included in the free account. Anyone who wants a Mastercard credit card pays an annual fee of €24 for it. norisbank does not offer a modern Visa/Mastercard debit card, which is now standard at many direct banks, as an included service.
The card offering therefore feels somewhat outdated, but it provides everything necessary for everyday life in Germany for fans of the classic Girocard.
Points: 7/15
3 Cash withdrawals
16/20
Points
Cash provision is excellent thanks to the Cash Group (Deutsche Bank, Commerzbank, Postbank, HypoVereinsbank). More than 9,000 ATMs are available free of charge across Germany.
A big plus point is the option to pay cash into the norisbank account free of charge at Deutsche Bank deposit machines. This is a rare service among direct banks and offers norisbank customers real added value.
Points: 16/20
4 Payments
4/8
Points
norisbank supports Apple Pay, which makes it possible to pay with a smartphone. Google Pay, by contrast, is not supported natively, which limits users of Android devices.
Since the primary card is a Girocard, paying abroad or on the internet is more difficult than with a Visa/Mastercard. For payments abroad in foreign currencies, the usual fees also apply if you use the optional Mastercard.
Points: 4/8
5 Interest & saving
3/7
Points
norisbank is rather reserved in the interest category. There are savings products such as the Top-Zinskonto, but the terms often lag behind the market average. You will look in vain for a genuine instant-access savings ecosystem with attractive interest, as offered by ING.
For simple saving without great return expectations, the offering is functional but not competitive for active investors.
Points: 3/7
6 Banking app & features
4/10
Points
The norisbank app is functional and stable but looks, both visually and in content, like it comes from a bygone era of web design. Modern features such as instant transfers (free), sub-accounts (Spaces) or detailed financial analyses are missing entirely.
For customers who simply want to check their balance and occasionally make a transfer, the app is sufficient. Power users and fans of modern UX will be disappointed, however.
Points: 4/10
7 Customer service
6/8
Points
Customer service can be reached by telephone around the clock, which is a clear advantage over many neobanks. Waiting times are usually moderate and the staff competent. Chat support or modern ticket systems of comparable quality are not available in the app, however.
Integration into the Deutsche Bank ATM network also provides a physical point of contact for transactions (deposits and withdrawals), even though no personal advice takes place in branches.
Points: 6/8
8 Security & extras
7/7
Points
In terms of security, norisbank is beyond reproach. As a 100% subsidiary of Deutsche Bank, it benefits from its security infrastructure and from both statutory and voluntary deposit protection (Einlagensicherung).
Special extras or a sophisticated bonus programme are lacking compared with competitors such as C24 or 1822direkt.
Points: 7/7
Pros & cons at a glance
Pros
- Free current account from €500 in monthly deposits & under-21s
- 9,000 Cash Group ATMs for free cash withdrawals
- Cash deposits possible at Deutsche Bank ATMs
- Maximum security within the Deutsche Bank group
- Telephone support available around the clock
- Apple Pay support
Cons
- Outdated app and web interface design
- No free credit card included
- Google Pay is not supported
- No modern banking features (sub-accounts etc.)
- Comparatively high overdraft rate
Conclusion: norisbank review
64/100
Good (2.8)
With 64 out of 100 points, norisbank achieves a solid, though not outstanding, rating. It is the ideal bank for "security minimalists" who are looking for a free account at a reputable large German bank and often need to pay in cash. For anyone seeking a modern banking experience and free credit cards, there are now significantly better alternatives.
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