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Openbank

Alternatives & competitors

kosten.org
RATING
GOOD (2.5)
71 out of 100
As of 03/2026
Analysis of service data
and customer reviews
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Alternatives to Openbank

We have checked 5 current account providers that are an alternative to Openbank. Openbank scores 71 out of 100 points in our rating. 4 providers score higher, led by ING with 91 points (20 points ahead).

1
ING
ING
Germany's largest direct bank, focused on simple, fair products.
20 points higher in our rating · BaFin-regulated · based in Germany
bank broker BaFin
91 /100
Very good (1.4)
2
DKB
DKB
One of Germany's largest direct banks, with a free current account.
17 points higher in our rating · BaFin-regulated · based in Germany
bank broker BaFin
88 /100
Very good (1.6)
3
C24 Bank
C24 Bank
Free neobank from the CHECK24 group with a top app and interest on balances.
15 points higher in our rating · BaFin-regulated · based in Germany
bank BaFin
86 /100
Very good (1.7)
4
Consorsbank
Consorsbank
Full-service bank with a strong focus on brokerage and attractive bonuses.
9 points higher in our rating · BaFin-regulated · based in Germany
bank BaFin
80 /100
Very good (2.0)
5
bunq
bunq
Dutch neobank with a focus on sustainability and innovation.
3 points lower in our rating
bank
68 /100
Good (2.6)

FAQ: alternatives to Openbank

What is the best alternative to Openbank?

ING – with 91 out of 100 points the highest-rated alternative and therefore 20 points ahead of Openbank (71). ING: Germany's largest direct bank, focused on simple, fair products.

Why look for an alternative to Openbank?

Our rating found these weaknesses at Openbank: No girocard for Germany; No cash deposits possible; Spanish rather than German regulation. If any of them is a deal-breaker for you, it is worth looking at the 5 alternatives on this page.

What speaks for Openbank?

Openbank scores with: Completely free current account + credit card; Free cash withdrawals worldwide; Attractive call money offer. That adds up to 71 out of 100 points. If this matters to you, you will hardly find anything better among the alternatives.

Which alternatives to Openbank are BaFin-regulated?

Of the 5 alternatives, ING, DKB, C24 Bank, Consorsbank are supervised by BaFin (the German financial regulator).

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