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Hier gehen die regelmäßigen Zahlungen vom Staat oder dem Arbeitgeber ein. Und von hier werden fixe Kosten gedeckt, etwa für Wohnen, Essen und den sonstigen Bedarf des täglichen Lebens.",[],{"type":1035,"text":1072,"spans":1073,"direction":1038},"Damit enden die Gemeinsamkeiten unserer beiden Vergleichskunden aber bereits. Denn die Kosten, die mit der Kontoführung verbunden sind, variieren zum Teil sehr deutlich, je nachdem, wie attraktiv der Kunde für das Geldhaus ist und welchen Service er in Anspruch nehmen will. Ist der (neue) Kontoinhaber bereit, sein Gehalt oder sonstige regelmäßige Zahlungseingänge über das Girokonto abzuwickeln, ist es zum Beispiel möglich, ein kostenloses Girokonto zu erhalten. Dabei gilt die Faustregel: Je höher der geforderte Mindestgehaltseingang, desto größer der Vorteil bei den eingesparten Kontoführungsgebühren.",[],{"type":1035,"text":1075,"spans":1076,"direction":1038},"Umgekehrt bedeutet das: Wer unter der Minimalschwelle von meist 500 oder 1000 Euro Geldeingang pro Monat liegt, zahlt für sein Girokonto bis zu 9, 90 Euro Gebühr. Pro Monat.",[],{"type":1078,"text":1079,"spans":1080,"direction":1038},"heading2","Nicht jeder Kunde ist gleichermaßen interessant",[],{"type":1035,"text":1082,"spans":1083,"direction":1038},"Mit dieser Praxis wollen Banken vor allem die aus ihrer Sicht besonders attraktiven Girokunden für sich gewinnen. Die gibt es in zwei Varianten: Nummer eins: Der Gutverdiener, der wenig ausgibt und sein üppiges Gehalt auf seinem Girokonto parkt – ohne dass die Bank dafür Zinsen zahlen muss.",[],{"type":1035,"text":1085,"spans":1086,"direction":1038},"Nummer zwei: Der Gutverdiener, der sein Geld mit vollen Händen ausgibt und deshalb auch ab und zu seinen Dispokredit nutzt. Denn auch daran kann die Bank verdienen.",[],{"type":1035,"text":1088,"spans":1089,"direction":1038},"Ein weiterer Vorteil gut situierter Girokunden – zumindest aus Sicht der Bank: Sie kann anhand der getätigten Transaktionen sehen, welche Anlageprodukte für ihn oder sie in Frage kommen. Zudem wenden sich viele Privatleute bei größeren Geldgeschäften, etwa einem Immobiliendarlehen oder einem Leasingkredit, bevorzugt an ihre Hausbank. Und weil hier das große Geld zu verdienen ist, lassen sich die Banken ihr Marketing fürs Girokonto auch einiges kosten.",[],{"type":1078,"text":1091,"spans":1092,"direction":1038},"Kaufkräftige Kunden sind attraktive Kreditnehmer",[],{"type":1035,"text":1094,"spans":1095,"direction":1038},"Die ING und die BBBank etwa geben einem Immobilienkunden einen Zinsrabatt von 0,1 Prozent auf den gesamte Kreditbetrag, wenn er oder sie auch ein Girokonto mit Gehaltseingang bei der Bank hat oder neu eröffnet (Details siehe Bauzinsvergleich). Bei einem Baukredit über 400.000 Euro ist das ein Vorteil von rund 3.600 Euro innerhalb von zehn Jahren, wenn der Kunde die ersparten Zinsen konsequent eine höhere Tilgung investiert. Eine Baufinanzierung setzt einen entsprechend großzügigen Gehaltseingang voraus, damit der Kunde sich während der Tilgungsphase nicht einschränken und trotzdem die nötigen Rücklagen für die Instandhaltung der Immobilie bilden kann",[1096],{"start":1097,"end":1098,"type":1099,"data":1100},225,241,"hyperlink",{"link_type":49,"url":1101,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fbaufinanzierung\u002Fangebote-vergleichen\u002Fhypothek",{"type":1078,"text":1103,"spans":1104,"direction":1038},"Aber auch der Tagesgeld-Kunde kann ein lukrativer Girokunde sein",[],{"type":1035,"text":1106,"spans":1107,"direction":1038},"Eine weitere beliebte Variante um neue Girokunden zu gewinnen: Die Bank macht ein attraktives Angebot – koppelt das aber an die Eröffnung eines Girokontos. Wer also von besonders guten Aktionszinsen beim Tagesgeld profitieren will, der muss bei derselben Bank auch gleich ein Girokonto oder Depots eröffnen.",[],{"type":1035,"text":1109,"spans":1110,"direction":1038},"Die Idee dahinter: Selbst, wenn der Tagesgeldkunde nach dem Ablauf des Aktionszeitraums zum nächsten Topanbieter wechselt, besteht eine hohe Wahrscheinlichkeit, dass er das Girokonto behält.  –",[],{"type":1035,"text":1112,"spans":1113,"direction":1038},"Um das zu erreichen, nehmen die Banken sogar vorübergehend einen kleinen Verlust in Kauf. Denn die Aktionszinsen für Tagesgeld-Neukunden sind oft höher als der EZB-Einlagenzins, den die Bank erhält, wenn sie dort ihr Geld parkt.",[],{"type":1035,"text":1115,"spans":1116,"direction":1038},"Verlangt die Bank als Gegenleistung für den hohen Tagesgeldzins die Girokonto Eröffnung, ist die Wahrscheinlichkeit also hoch, dass sich dieser Kunde lohnt – entweder als Bestandskunde bei Tagesgeld oder als langfristiger Girokunde. Und weil schon bekannt ist, dass dieser Tagesgeldkunde Anlagepotenzial mitbringt, kann man ihm später auch lukrativeren Investmentangebote unterbreiten. Girokunden gewonnen und Investmentmöglichkeiten vorhanden, bedeuten: Die überhöhten Tagesgeldzinsen haben sich gelohnt.",[],{"type":1035,"text":1118,"spans":1119,"direction":1038}," ",[],{"type":1078,"text":1121,"spans":1122,"direction":1038},"Im besten Fall profitieren alle Beteiligten",[],{"type":1035,"text":1124,"spans":1125,"direction":1038},"Wie Kunden das strategisch nutzen können:",[],{"type":1035,"text":1127,"spans":1128,"direction":1038},"Sie können die Marketingstrategien der Banken gezielt nutzen, um sich einen günstigen Kredit oder gute Zinsen aufs Tagesgeld zu sichern – einfach durch die Eröffnung eines Tagesgeldkontos mit Girokonto-Pflicht.  Dennoch ist es wichtig, sehr genau hinzusehen. Denn der beste Tagesgeldzins nützt nur wenig, wenn die Kontoführungsgebühr des Girokontos den Zinsvorteil beim Tagesgeld schmälert.",[],{"type":1035,"text":1130,"spans":1131,"direction":1038},"Und wenn sich herausstellt, dass das Angebot der Bank doch nicht so prickelnd ist? Dann finden Anleger und (potenzielle) Girokunden mit dem Girokontovergleich oder Tagesgeldvergleich auf fmh.de bestimmt das optimale Produkt für die eigenen Bedürfnisse.",[1132,1137],{"start":1133,"end":1134,"type":1099,"data":1135},140,158,{"link_type":49,"url":1136,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkonto-karte\u002Fangebote-vergleichen\u002Fgirokonto",{"start":1138,"end":1139,"type":1099,"data":1140},164,182,{"link_type":49,"url":1141,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ftagesgeld","text_block$877e6cab-3f6e-4bb2-9157-0bfd08f57c25","text_block","Tagesgeld & Girokonto: Die Strategie der Banken","Warum Banken mit kostenlosen Girokonten und hohen Tagesgeldzinsen um Neukunden kämpfen. 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Robo-Advisor verwalten Portfolios automatisch, auf Basis von Algorithmen und klaren Strategien. Im Auftrag von ntv hat die FMH-Finanzberatung untersucht, welche Anbieter 2025 mit überzeugender Performance, fairen Kosten und smarten Services punkten.",[1609],{"start":1610,"end":1134,"type":1099,"data":1611},155,{"link_type":49,"url":1612,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FWas-koennen-Robo-Advisor-und-wo-gibt-es-die-besten-Angebote-article25918754.html",{"id":1518,"type":1041,"tags":1614,"lang":13,"slug":1520,"first_publication_date":1521,"last_publication_date":1522,"uid":1520,"link_type":43,"key":1615,"isBroken":45},[],"e6dab729-2cab-4f5e-b8c5-4d81e750a20c",{"dimensions":1617,"alt":1619,"copyright":5,"url":1620,"id":1621,"edit":1622},{"width":1475,"height":1618},667,"Mädchen mit Roboter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress","aQSLoLpReVYa331t",{"x":24,"y":24,"zoom":25,"background":26},{"id":1507,"type":1026,"tags":1624,"lang":13,"slug":1509,"first_publication_date":1510,"last_publication_date":1511,"uid":1509,"link_type":43,"key":1625,"isBroken":45},[],"7a6526f0-4a52-4081-8257-05ed220770ed",[1627],{"variation":1063,"version":1064,"items":1628,"primary":1629,"id":1791,"slice_type":1143,"slice_label":5},[],{"text":1630,"chart_alt":5},[1631,1634,1637,1640,1643,1651,1655,1658,1661,1664,1667,1670,1673,1676,1679,1686,1691,1696,1701,1705,1709,1713,1718,1723,1726,1729,1732,1735,1741,1745,1748,1751,1755,1760,1764,1768,1771,1774,1777,1784],{"type":1078,"text":1632,"spans":1633,"direction":1038},"Warum Robo-Advisor immer beliebter werden",[],{"type":1035,"text":1635,"spans":1636,"direction":1038},"In einem Umfeld sinkender Zinsen und unsicherer Märkte suchen viele Anleger nach Alternativen zu klassischen Sparformen. Digitale Vermögensverwalter, sogenannte Robo-Advisor, setzen hier an: Sie treffen Anlageentscheidungen automatisiert, abgestimmt auf Risikoprofil, Anlageziel und Zeithorizont des Kunden.",[],{"type":1035,"text":1638,"spans":1639,"direction":1038},"So entstehen Portfolios, die regelmäßig überprüft und angepasst werden. Der Vorteil: Emotionen bleiben außen vor, und auch Einsteiger können vom Kapitalmarkt profitieren - mit geringen Einstiegshürden und transparenten Kosten.",[],{"type":1078,"text":1641,"spans":1642,"direction":1038},"Was untersucht wurde",[],{"type":1035,"text":1644,"spans":1645,"direction":1038},"Die FMH-Finanzberatung hat im Auftrag von ntv insgesamt 22 Robo-Advisor analysiert. Bewertet wurden:",[1646],{"start":1647,"end":1648,"type":1099,"data":1649},56,82,{"link_type":49,"url":1650,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-robo-advisor",{"type":1652,"text":1653,"spans":1654,"direction":1038},"list-item","Laufende Performance-Daten der letzten drei Jahre",[],{"type":1652,"text":1656,"spans":1657,"direction":1038},"Transaktions- und Verwaltungskosten",[],{"type":1652,"text":1659,"spans":1660,"direction":1038},"Servicegebühren und Mindestanlagebeträge",[],{"type":1652,"text":1662,"spans":1663,"direction":1038},"Möglichkeiten für Auszahlpläne",[],{"type":1035,"text":1665,"spans":1666,"direction":1038},"Die Auswertung basierte auf einem Anlageprofil mit 40 bis 60 Prozent Aktienanteil, einem typischen ausgewogenen Risiko. Berücksichtigt wurde die Performance nach Kosten, also nach Abzug aller Gebühren, um ein realistisches Bild der Renditen zu erhalten.",[],{"type":1078,"text":1668,"spans":1669,"direction":1038},"So haben die Robo-Advisor abgeschnitten",[],{"type":1035,"text":1671,"spans":1672,"direction":1038},"Im Durchschnitt erzielten die Anbieter im vergangenen Jahr eine Performance von 4,50 % bei klassischen Strategien. Die Dreijahresperformance lag im Schnitt bei 20,36 % bei klassischen Strategien, Spitzenwerte erreichten über 25 Prozent.",[],{"type":1035,"text":1674,"spans":1675,"direction":1038},"Diese Ergebnisse zeigen: Robo-Advisor sind längst nicht mehr nur eine digitale Spielerei - sie können über längere Zeiträume hinweg solide Erträge liefern.",[],{"type":1551,"text":1677,"spans":1678,"direction":1038},"Die besten Anbieter bei einer klassischen Strategie",[],{"type":1035,"text":1680,"spans":1681,"direction":1038},"In der Gesamtbewertung aus Performance, Kostenstruktur und Serviceangebot überzeugten besonders folgende Anbieter mit der Bestnote „sehr gut“:",[1682],{"start":1683,"end":1684,"type":1685},131,141,"strong",{"type":1652,"text":1687,"spans":1688,"direction":1038},"Minveo",[1689],{"start":24,"end":1690,"type":1685},6,{"type":1652,"text":1692,"spans":1693,"direction":1038},"quirion",[1694],{"start":24,"end":1695,"type":1685},7,{"type":1652,"text":1697,"spans":1698,"direction":1038},"easyfolio",[1699],{"start":24,"end":1700,"type":1685},9,{"type":1652,"text":1702,"spans":1703,"direction":1038},"froots",[1704],{"start":24,"end":1690,"type":1685},{"type":1652,"text":1706,"spans":1707,"direction":1038},"cominvest",[1708],{"start":24,"end":1700,"type":1685},{"type":1652,"text":1710,"spans":1711,"direction":1038},"growney",[1712],{"start":24,"end":1695,"type":1685},{"type":1652,"text":1714,"spans":1715,"direction":1038},"MorgenFund",[1716],{"start":24,"end":1717,"type":1685},10,{"type":1652,"text":1719,"spans":1720,"direction":1038},"Scalable Wealth",[1721],{"start":24,"end":1722,"type":1685},15,{"type":1035,"text":1724,"spans":1725,"direction":1038},"Diese Robo-Advisor boten nicht nur überdurchschnittliche Renditen, sondern auch faire Gebührenmodelle, flexible Auszahlpläne und transparente Konditionen.",[],{"type":1551,"text":1727,"spans":1728,"direction":1038},"Nachhaltige Geldanlage im Aufwind",[],{"type":1035,"text":1730,"spans":1731,"direction":1038},"Auch Anleger, die auf Nachhaltigkeit achten, müssen laut FMH-Auswertung keine Renditeeinbußen hinnehmen.\nDer Durchschnittsertrag bei nachhaltigen Portfolios lag bei 3,98 Prozent im Jahresvergleich, 13,67 Prozent über zwei Jahre und 16,79 Prozent über drei Jahre.",[],{"type":1035,"text":1733,"spans":1734,"direction":1038},"Besonders auffällig: Die meisten nachhaltigen Anbieter lagen leistungsmäßig eng beieinander, ein Hinweis auf ein gereiftes Marktsegment.",[],{"type":1035,"text":1736,"spans":1737,"direction":1038},"Mit der Bewertung „sehr gut“ ausgezeichnet wurden die nachhaltigen Strategien von:",[1738],{"start":1739,"end":1740,"type":1685},18,28,{"type":1652,"text":1742,"spans":1743,"direction":1038},"cominvest (comdirect)",[1744],{"start":24,"end":1717,"type":1685},{"type":1652,"text":1714,"spans":1746,"direction":1038},[1747],{"start":24,"end":1717,"type":1685},{"type":1652,"text":1692,"spans":1749,"direction":1038},[1750],{"start":24,"end":1695,"type":1685},{"type":1652,"text":1752,"spans":1753,"direction":1038},"easyfolio Green",[1754],{"start":24,"end":1722,"type":1685},{"type":1652,"text":1756,"spans":1757,"direction":1038},"bevestor",[1758],{"start":24,"end":1759,"type":1685},8,{"type":1652,"text":1761,"spans":1762,"direction":1038},"VisualVest",[1763],{"start":24,"end":1717,"type":1685},{"type":1652,"text":1765,"spans":1766,"direction":1038},"Evergreen",[1767],{"start":24,"end":1700,"type":1685},{"type":1652,"text":1719,"spans":1769,"direction":1038},[1770],{"start":24,"end":1722,"type":1685},{"type":1035,"text":1772,"spans":1773,"direction":1038},"Nachhaltiges Investieren und attraktive Renditen schließen sich also nicht aus – viele Anbieter kombinieren beides überzeugend.",[],{"type":1078,"text":1775,"spans":1776,"direction":1038},"Fazit: Robo-Advisor bleiben auf Wachstumskurs",[],{"type":1035,"text":1778,"spans":1779,"direction":1038},"Die Auswertung der FMH-Finanzberatung im Auftrag von ntv zeigt: Digitale Vermögensverwaltung kann klassische Anlageberatung in puncto Kosten und Effizienz deutlich schlagen. Wer langfristig investiert und auf strukturierte, datengestützte Entscheidungen setzt, findet bei den getesteten Robo-Advisors eine breite Auswahl leistungsstarker Anbieter.\nBesonders positiv: Auch nachhaltige Strategien entwickeln sich zunehmend rentabel und machen digitales Investieren noch zukunftsfähiger.",[1780],{"start":1781,"end":1782,"type":1099,"data":1783},4,37,{"link_type":49,"url":1650,"target":52},{"type":1035,"text":1785,"spans":1786,"direction":1038},"Der FMH Robo-Advisor-Vergleich bietet einen unabhängigen Überblick über alle bewerteten Anbieter – transparent, aktuell und objektiv.",[1787],{"start":1781,"end":1788,"type":1099,"data":1789},30,{"id":161,"type":107,"tags":1790,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$f06bba89-7746-45ad-a00b-9026441502f8","Robo-Advisor im Vergleich: Die besten Anbieter | FMH","Die besten Robo-Advisor 2025 im Vergleich: FMH und ntv bewerten Performance, Kosten und nachhaltige Strategien. Jetzt digital investieren.",{"dimensions":1795,"alt":1619,"copyright":5,"url":1796,"id":1621,"edit":1797},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress&rect=0,71,1000,525&w=2400&h=1260",{"x":24,"y":1798,"zoom":25,"background":26},71,{"id":442,"uid":447,"url":448,"type":319,"href":1800,"tags":1801,"first_publication_date":445,"last_publication_date":446,"slugs":1802,"linked_documents":1803,"lang":13,"alternate_languages":1804,"data":1805},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQCs7xIAACUAHKFY%22%29+%5D%5D",[366,444],[367],[],[],{"publication_date":1806,"last_edit_date":1806,"set_last_edit_date_today":45,"title":450,"subtitle":1807,"breadcrumb_title":5,"topic":1808,"teaser":1815,"author":1819,"cover":1826,"cover_position":1056,"table_of_content":1532,"toc_calculator":1058,"toc_selection":1832,"carousel_topic_filter":1833,"slices":1836,"meta_title":1950,"meta_description":1951,"meta_image":1952,"meta_indexed":1153},"2025-09-09","Kredite bleiben gefragt: Trotz kaum sinkender Zinsen",{"id":1809,"type":1026,"tags":1810,"lang":13,"slug":1811,"first_publication_date":1812,"last_publication_date":1813,"uid":1811,"link_type":43,"key":1814,"isBroken":45},"aPDk0BIAACIAaSQv",[],"kredit-aufnehmen","2025-10-16T12:28:22+0000","2025-10-24T10:12:04+0000","2364201a-727e-4be7-bdc6-d5d4306dc3f4",[1816],{"type":1035,"text":1817,"spans":1818,"direction":1038},"Ratenkredite sind in Deutschland weiterhin stark nachgefragt. Viele Verbraucher finanzieren größere Anschaffungen oder Umschuldungen auf diesem Weg, obwohl die Kreditkosten im Vergleich zum Vorjahr nur geringfügig gesunken sind.",[],{"id":1820,"type":1041,"tags":1821,"lang":13,"slug":1822,"first_publication_date":1823,"last_publication_date":1824,"uid":1822,"link_type":43,"key":1825,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","fc9b0844-a5ff-4aef-826d-c18b68774340",{"dimensions":1827,"alt":1828,"copyright":5,"url":1829,"id":1830,"edit":1831},{"width":1526,"height":1527},"Frau fährt auf einem Motorroller","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQCtMbpReVYa3vrb_Frau-auf-Vespa-Rot.jpg?auto=format,compress","aQCtMbpReVYa3vrb",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2 + Slices",{"id":1809,"type":1026,"tags":1834,"lang":13,"slug":1811,"first_publication_date":1812,"last_publication_date":1813,"uid":1811,"link_type":43,"key":1835,"isBroken":45},[],"9ffd7c57-db98-4bee-8bd1-c69e8c0e0979",[1837],{"variation":1063,"version":1064,"items":1838,"primary":1839,"id":1949,"slice_type":1143,"slice_label":5},[],{"text":1840,"chart_alt":5},[1841,1844,1847,1858,1861,1864,1885,1888,1903,1906,1921,1924,1927,1930,1933,1936,1939,1942],{"type":1035,"text":1842,"spans":1843,"direction":1038},"Die Leitzinsen der Europäischen Zentralbank sind zwar deutlich gefallen, von 4,25 % auf zuletzt 2 % innerhalb eines Jahres. Bei Ratenkrediten wirkt sich dieser Rückgang jedoch nur begrenzt oder zum Teil sehr verzögert aus.",[],{"type":1078,"text":1845,"spans":1846,"direction":1038},"Was wurde untersucht?",[],{"type":1035,"text":1848,"spans":1849,"direction":1038},"Für den aktuellen Test hat die FMH-Finanzberatung 17 Banken mit bonitätsabhängigen und 5 Banken mit bonitätsunabhängigen Ratenkrediten für das Handelsblatt analysiert. Bewertet wurden:",[1850,1854],{"start":1759,"end":1851,"type":1099,"data":1852},22,{"link_type":49,"url":1853,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-ratenkredite-handelsblatt",{"start":1855,"end":1610,"type":1099,"data":1856},143,{"link_type":49,"url":1857,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fgeld-welche-banken-die-besten-ratenkredite-bieten\u002F100150733.html",{"type":1035,"text":1859,"spans":1860,"direction":1038},"• Soll- und Effektivzinsen für Musterfall: 15.000 € Kreditsumme bei 48 Monaten Laufzeit\n• Zins für beste Bonität\n• Zins, der für 2\u002F3 der Kunden gilt\n• Bonitätsunabhängige Zinsen\n• Kreditkonditionen",[],{"type":1078,"text":1862,"spans":1863,"direction":1038},"Bonitätsabhängige Kredite – Beste Bonität",[],{"type":1035,"text":1865,"spans":1866,"direction":1038},"In dieser Kategorie erreichten sechs Anbieter die Note „sehr gut“. An der Spitze steht erneut die Santander Bank mit einem effektiven Jahreszins von 2,99 %. Dahinter folgen die Deutsche Bank (3,25 %) und Consors Finanz (3,49 %). Diese Werte entsprechen den Vorjahresergebnissen und haben sich nicht verändert. Die Targobank, Ikano Bank und die norisbank wurden ebenfalls mit der Note „sehr gut“ honoriert.",[1867,1870,1873,1876,1879,1882],{"start":1868,"end":1869,"type":1685},98,112,{"start":1871,"end":1872,"type":1685},177,190,{"start":1874,"end":1875,"type":1685},204,218,{"start":1877,"end":1878,"type":1685},314,323,{"start":1880,"end":1881,"type":1685},325,335,{"start":1883,"end":1884,"type":1685},344,353,{"type":1078,"text":1886,"spans":1887,"direction":1038},"Bonitätsabhängige Kredite – Zins gilt für 2\u002F3 der Kunden",[],{"type":1035,"text":1889,"spans":1890,"direction":1038},"Beim Zweidrittelzins, der realitätsnäher für Kreditnehmer ist, ergibt sich ein anderes Bild. Hier erhielten ein „sehr gut“ die BBBank (jedoch nur für Kunden, die ein Girokonto bei der BBBank führen oder eröffnen), SWK Bank, HypoVereinsbank und die Bank of Scotland.",[1891,1894,1897,1900],{"start":1892,"end":1893,"type":1685},127,133,{"start":1895,"end":1896,"type":1685},214,222,{"start":1898,"end":1899,"type":1685},224,239,{"start":1901,"end":1902,"type":1685},248,264,{"type":1078,"text":1904,"spans":1905,"direction":1038},"Bonitätsunabhängige Kredite",[],{"type":1035,"text":1907,"spans":1908,"direction":1038},"Im Vergleich der fünf Anbieter bonitätsunabhängiger Kredite schnitten vier mit „sehr gut“ ab. Die Zinsunterschiede waren hier eher gering. Es gibt zudem immer weniger Anbieter die einen bonitätsunabhängigen Ratenkredit überhaupt anbieten. Eine sehr gute Bewertung erhielten die EthikBank, Deutsche Skatbank, PSD Bank Rhein-Ruhr und die PSD Bank West.",[1909,1912,1915,1918],{"start":1910,"end":1911,"type":1685},278,287,{"start":1913,"end":1914,"type":1685},289,306,{"start":1916,"end":1917,"type":1685},308,327,{"start":1919,"end":1920,"type":1685},336,349,{"type":1078,"text":1922,"spans":1923,"direction":1038},"Worauf Kreditnehmer achten sollten",[],{"type":1652,"text":1925,"spans":1926,"direction":1038},"Bonitätsabhängig vs. bonitätsunabhängig: Bei sehr guter Bonität ist der Bestzins natürlich attraktiv, in der Praxis aber nur für wenige erreichbar und kann eher als Werbemaßnahme gesehen werden. Der Zweidrittelzins ist dahingehend ein realistischer Vergleichswert, an dem sich Verbraucher orientieren können. Bei bonitätsunabhängigen Ratenkrediten heißt es nicht, dass keine Bonitätsprüfung stattfindet, sondern dass der Zinssatz davon unabhängig ist.",[],{"type":1652,"text":1928,"spans":1929,"direction":1038},"Versteckte Unterschiede: Einige Banken koppeln günstige Konditionen an Zusatzbedingungen wie ein Girokonto oder sind nur als Online-Abschluss verfügbar.",[],{"type":1652,"text":1931,"spans":1932,"direction":1038},"Flexibilität: Sondertilgungen, Ratenpausen oder Laufzeitänderungen können entscheidend sein, wenn sich die persönliche Situation ändert.",[],{"type":1652,"text":1934,"spans":1935,"direction":1038},"Gesamtkosten im Blick: Schon kleine Zinsunterschiede machen über mehrere Jahre schnell mehrere Hundert Euro aus.",[],{"type":1078,"text":1937,"spans":1938,"direction":1038},"Fazit: Vergleich lohnt sich mehr denn je",[],{"type":1035,"text":1940,"spans":1941,"direction":1038},"Die Auswertung zeigt: Die Zinsen für Ratenkredite unterscheiden sich auch 2025 erheblich – je nach Bank, Bonität und Konditionen. Wer die Angebote vergleicht, kann trotz insgesamt stabiler Zinssituation viel Geld sparen.",[],{"type":1035,"text":1943,"spans":1944,"direction":1038},"Der FMH-Ratenkredit-Vergleich liefert einen transparenten Überblick und hilft, den passenden Anbieter zu finden.",[1945],{"start":1781,"end":1946,"type":1099,"data":1947},29,{"id":377,"type":107,"tags":1948,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],"text_block$9a458bee-2684-4b8e-8def-16ce296ffb6f","Ratenkredite vergleichen: Günstige Angebote | FMH","Ratenkredite 2025 im FMH-Vergleich: Zinsen und Konditionen prüfen, passende Angebote finden und mehrere Hundert Euro sparen. Jetzt vergleichen.",{"dimensions":1953,"alt":1828,"copyright":5,"url":1954,"id":1830,"edit":1955},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQCtMbpReVYa3vrb_Frau-auf-Vespa-Rot.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1956,"zoom":25,"background":26},85,{"id":1958,"uid":1485,"url":1959,"type":319,"href":1960,"tags":1961,"first_publication_date":1962,"last_publication_date":1963,"slugs":1964,"linked_documents":1966,"lang":13,"alternate_languages":1967,"data":1968},"apqTQBIAACcA7zJt","\u002Fartikel\u002Fhausbank-award-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22apqTQBIAACcA7zJt%22%29+%5D%5D",[],"2026-09-04T10:08:03+0000","2026-10-16T09:24:36+0000",[1965],"so-haben-wir-getestet",[],[],{"publication_date":1969,"last_edit_date":1969,"set_last_edit_date_today":45,"title":1970,"subtitle":1971,"breadcrumb_title":5,"topic":1972,"teaser":1975,"author":1979,"cover":1982,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":1988,"slices":1991,"meta_title":2054,"meta_description":2055,"meta_image":2056,"meta_indexed":1153},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1025,"type":1026,"tags":1973,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":1974,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[1976],{"type":1035,"text":1977,"spans":1978,"direction":1038},"Von Girokonto bis Hypothekendarlehen, von Tagesgeld bis Ratenkredit: Eine gute Hausbank begleitet Kunden langfristig in allen wichtigen Finanzfragen. Doch wo finden Interessenten eine Bank mit klarer regionaler Präsenz, transparenten Angeboten und attraktiven Konditionen? Wir haben genau hingeschaut.",[],{"id":1040,"type":1041,"tags":1980,"lang":13,"slug":1043,"first_publication_date":1044,"last_publication_date":1045,"uid":1043,"link_type":43,"key":1981,"isBroken":45},[],"90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":1983,"alt":1984,"copyright":5,"url":1985,"id":1986,"edit":1987},{"width":1526,"height":1527},"Glas Pokale Deutschlands BESTE Hausbanken 2026","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FKQsqePBu4v5AEjHF_Hausbank-Award-2026-Pokale.jpg?auto=format,compress","KQsqePBu4v5AEjHF",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":1989,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":1990,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[1992],{"variation":1063,"version":1064,"items":1993,"primary":1994,"id":2053,"slice_type":1143,"slice_label":5},[],{"text":1995,"chart_alt":5},[1996,1999,2002,2005,2008,2011,2014,2017,2020,2023,2026,2029,2032,2041,2044,2047,2050],{"type":1035,"text":1997,"spans":1998,"direction":1038},"Die ideale Kundenbeziehung beginnt mit der ersten Spardose am Weltspartag – und hält ein Leben lang. Irgendwann wird das Taschengeldkonto zum Gehaltskonto. Später kommen vielleicht Tages- oder Festgeldkonten sowie ein Depot dazu. Und wenn größere Anschaffungen anstehen, versorgt die Hausbank den langjährigen Kunden mit den passenden Krediten.",[],{"type":1035,"text":2000,"spans":2001,"direction":1038},"Zugegeben: Dieses Banken-Idyll mag im Jahr 2026 ein wenig überzeichnet sein. Doch eine gute Hausbank ist nach wie vor Gold wert: Die Berater dort kennen nicht nur die Kunden selbst, sondern auch deren Umfeld und können deshalb oft passgenauere Angebote machen, als Banken ohne diesen Hintergrund.",[],{"type":1035,"text":2003,"spans":2004,"direction":1038},"In enger Zusammenarbeit mit dem Handelsblatt hat die FMH-Finanzberatung daher zum zweiten Mal recherchiert und in 196 Städten die besten Hausbanken ausfindig gemacht.",[],{"type":1035,"text":2006,"spans":2007,"direction":1038},"Warum gerade 196 Städte?",[],{"type":1035,"text":2009,"spans":2010,"direction":1038},"Unser Ziel war es, alle Städte zu untersuchen die (Stand 2025) mindestens 50.000 Einwohner hatten. So kam eine Liste mit 196 Orten zustande – von Aachen bis Zwickau. Die größte Stadt auf der Liste war Berlin mit 3,9 Millionen Einwohnern. Zu den kleinsten gehörte mit gerade 50 000 Einwohnern Heidenheim an der Brenz – auch wenn das Städtchen dank seines Fußballvereins inzwischen bundesweite Bekanntheit erreicht hat.",[],{"type":1078,"text":2012,"spans":2013,"direction":1038},"So haben wir getestet",[],{"type":1035,"text":2015,"spans":2016,"direction":1038},"Eine große Herausforderung war es, einen Vergleichs-Schlüssel zu entwickeln, der die Metropole Berlin genauso bewertet wie eine kleine Fußballstadt auf der Schwäbischen Alb. So wäre es zum Beispiel zu kurz gedacht, wenn man die Anzahl der Filialen pro Einwohner in jeder Stadt gleich bewertet:  Denn in Flächenstädten benötigt man einfach mehr Filialen als in einer Großstadt wie Berlin oder München.",[],{"type":1035,"text":2018,"spans":2019,"direction":1038},"Auch sogenannte Mystery-Testings, bei denen sich geschulte Tester als Kunden ausgeben und auf Basis ihrer Erfahrungen eine Bewertung abgeben, wollten wir nicht zur Grundlage unseres Vergleichs machen.  Bei der Preisverleihung am 2. September betonte FMH-Chef Max Herbst noch einmal ganz klar: „Subjektive Testgrundlagen, die anschließend keiner mehr nachvollziehen kann, sind keine gute Basis für einen objektiven Vergleich.“",[],{"type":1035,"text":2021,"spans":2022,"direction":1038},"Und weil auch Schalter-Öffnungszeiten in Zeiten der Digitalisierung immer mehr an Bedeutung verlieren, legte die FMH bei der Bewertung der „Besten Hausbank“ den Fokus auf Zinsen und die Summe der Angebote. Ausgewertet wurden daher die Konditionen des Girokontos, die Tagesgeldzinsen für Bestandskunden, und Festgeldzinsen für drei verschiedene Laufzeiten. Positiv wirkte es sich aus, wenn die Bank auch Baufinanzierungen, Ratenkredite und Versicherungspakete anbietet. Eine etwas höhere Bewertung gab es zu kostengünstigen Depots.  ",[],{"type":1551,"text":2024,"spans":2025,"direction":1038},"Die passende Bank für jedes Alter",[],{"type":1035,"text":2027,"spans":2028,"direction":1038},"Weil sich die Ansprüche an eine Hausbank im Laufe des Lebens verändern, haben wir bei allen bewerteten Banken zudem die Bedingungen für „junge Erwachsene“ ausgewertet. Je nach Bank sind das die Kunden zwischen 18 und 25 bzw. 30 Jahren. In diesem Segment gewichteten wir statt der Festgeldanlagen das Investmentsparen und -anlegen wesentlich höher (mit fast 23 statt 4,5 Prozent der Gesamtpunktzahl). Ob Baufinanzierungen oder Ratenkredite angeboten werden, spielte in dieser Gruppe hingegen fast keine Rolle.",[],{"type":1035,"text":2030,"spans":2031,"direction":1038},"Da Geschäftsbanken selten auf regionale Besonderheiten reagieren und sich anpassen können, haben wir auch die bundesweiten Geschäftsbanken und 21 Direktbanken durchgecheckt. Es gab somit Geschäftsbanken, die auch regional ganz vorne dabei sind. Zudem untersuchten wir 21 Direktbanken ohne Bewertung der Kundennähe, ansonsten mit gleichen Produkten und Bewertung.",[],{"type":1035,"text":2033,"spans":2034,"direction":1038},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2035,2040],{"start":2036,"end":2037,"type":1099,"data":2038},47,51,{"link_type":49,"url":2039,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":2036,"end":2037,"type":1685},{"type":1551,"text":2042,"spans":2043,"direction":1038},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1035,"text":2045,"spans":2046,"direction":1038},"Die Auszeichnung als „Beste Hausbank“ ist noch relativ jung, doch sie ist jetzt schon relevant. Auf der Preisverleihung in Frankfurt gaben etliche der bereits im vergangenen Jahr prämierten Institute an, die Auszeichnung wieder für die Neukundengewinnung und für ein gutes Gefühl bei den Bestandskunden zu nutzen.",[],{"type":1035,"text":2048,"spans":2049,"direction":1038},"Dieser Erfolg macht uns ein bisschen stolz, denn er belegt: Es hat sich gelohnt, eine auf fast 200 Regionen bezogene unabhängige Untersuchung auf die Beine zu stellen – auch wenn der Aufwand immens war: Insgesamt werteten wir für den Vergleich mehr als 12.000 unterschiedlichen Informationen aus. Das war nur möglich, weil wir etwa zwei Drittel der Banken und ihre Bedingungen bereits in unserer Datenbank haben.",[],{"type":1035,"text":2051,"spans":2052,"direction":1038},"Und weil wir nicht nur bei den getesteten Banken transparente Angebote verlangen, legen auch wir unsere Ergebnisse gerne offen: Sowohl die Sieger als auch die nachrangig platzierten Institute, können bei uns auf Anfrage das Gesamtergebnis des Vergleichs mit allen Zinsen und Bedingungen erhalten.",[],"text_block$26c4f8e7-70ce-47be-a4c7-7673c39ad0e4","Hausbank-Award 2026: Deutschlands beste Hausbanken","FMH und Handelsblatt vergleichen Hausbanken in 196 Städten. Finden Sie die besten regionalen Banken 2026 und erfahren Sie mehr über die Methodik.",{"dimensions":2057,"alt":1984,"copyright":5,"url":2058,"id":1986,"edit":2059},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FKQsqePBu4v5AEjHF_Hausbank-Award-2026-Pokale.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1956,"zoom":25,"background":26},{"id":2061,"uid":1486,"url":2062,"type":319,"href":2063,"tags":2064,"first_publication_date":2065,"last_publication_date":2066,"slugs":2067,"linked_documents":2069,"lang":13,"alternate_languages":2070,"data":2071},"aMLyUhEAACIAiorC","\u002Fartikel\u002Fbafin-girokonto-vergleich","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyUhEAACIAiorC%22%29+%5D%5D",[480],"2025-11-02T16:18:52+0000","2026-11-06T12:18:56+0000",[2068],"eine-punktlandung-sieht-anders-aus",[],[],{"publication_date":240,"last_edit_date":1599,"set_last_edit_date_today":45,"title":2072,"subtitle":2073,"breadcrumb_title":5,"topic":2074,"teaser":2077,"author":2081,"cover":2084,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1832,"carousel_topic_filter":2091,"slices":2092,"meta_title":2150,"meta_description":2151,"meta_image":2152,"meta_indexed":1153},"BaFin-Girokonto-Vergleich","FMH-Vergleich listet weniger Banken, bietet aber deutlich mehr",{"id":1025,"type":1026,"tags":2075,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":2076,"isBroken":45},[],"b99c4736-66bb-4d33-9b72-aac9d9133b7e",[2078],{"type":1035,"text":2079,"spans":2080,"direction":1038},"Die Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) hat die umfassendste Girokonto-Auflistung Deutschlands erstellt. Kunden können dort alle möglichen Banken finden und studieren, aber leider nicht – analog dem eigenen Kontonutzungsverhalten – sortieren, um den günstigsten Anbieter zu finden. Zum Glück gibt es eine gute Alternative.",[],{"id":1040,"type":1041,"tags":2082,"lang":13,"slug":1043,"first_publication_date":1044,"last_publication_date":1045,"uid":1043,"link_type":43,"key":2083,"isBroken":45},[],"5bd0a0e5-32a2-4997-b365-c8fc64d3e23c",{"dimensions":2085,"alt":2087,"copyright":5,"url":2088,"id":2089,"edit":2090},{"width":1049,"height":2086},1044,"Auf einem Smartphone wird die FMH.de Webseite geöffnet","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaRx2QbpReVYa4oEr_Bafin02.png?auto=format,compress","aRx2QbpReVYa4oEr",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2093],{"variation":1063,"version":1064,"items":2094,"primary":2095,"id":2149,"slice_type":1143,"slice_label":5},[],{"text":2096,"chart_alt":5},[2097,2100,2103,2106,2112,2115,2118,2121,2124,2127,2135,2141],{"type":1078,"text":2098,"spans":2099,"direction":1038},"Eine Punktlandung sieht anders aus",[],{"type":1035,"text":2101,"spans":2102,"direction":1038},"Nun aber ist es soweit. Der kostenlose Girovergleich aller Girokonten in Deutschland, den die EU bereits am 31.10.2018 sehen wollte, ist online. Die immense Verspätung kommt nicht von ungefähr. Schon vor Jahren hatten sich etliche Vergleichsanbieter für das Projekt interessiert, darunter auch die FMH-Finanzberatung. Wie die meisten anderen haben aber auch wir unseren Hut nicht in den Ring geworfen. Der Aufwand war einfach zu hoch und die Entlohnung gleich null – außer Ruhm und Ehre.",[],{"type":1035,"text":2104,"spans":2105,"direction":1038},"Rückblickend war das eine gute Entscheidung. Denn der einzige Anbieter, der sich getraut hatte, das Vorhaben anzupacken, hatte damit wenig Freude. Check24 ist nach der Veröffentlichung seines Vergleichs erst einmal abgemahnt worden, weil nicht alle 6.900 Konten im Vergleich auftauchten. Auch die Tatsache, dass das Unternehmen interessierte Kunden mit der Bank ihrer Wahl zusammenbringen wollte und dafür eine Provision bekommen sollte, war den Marktwächtern ein Dorn im Auge.",[],{"type":1035,"text":2107,"spans":2108,"direction":1038},"Entsprechend fand sich nach diesem Intermezzo kein privater Interessent mehr für den Giro-Vergleich. Der Staat beauftragte daher letztlich die Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) damit, den von der EU geforderten Vergleich zu erstellen. Nun ist das Tool tatsächlich online. Der große Wurf ist damit allerdings nicht gelungen.",[2109],{"start":1855,"end":1872,"type":1099,"data":2110},{"link_type":49,"url":2111,"target":52},"https:\u002F\u002Fkontenvergleich.bafin.de\u002Fde",{"type":1078,"text":2113,"spans":2114,"direction":1038},"Größe ist nicht alles",[],{"type":1035,"text":2116,"spans":2117,"direction":1038},"Ich habe mir die Mühe gemacht und habe den BaFin Girokontovergleich getestet. Positiv zu bewerten ist, dass dort tatsächlich mehr als 6.900 verschiedene Girokonten erfasst sind und deren Daten den Nutzern des Vergleiches zur Verfügung stehen. Doch auch wenn die Fülle der Informationen und Filtermöglichkeiten auf den ersten Blick beeindruckt: Die Qualität der Daten bleibt leider deutlich hinter dem zurück, was wir bei der FMH für unseren Girovergleich voraussetzen.",[],{"type":1035,"text":2119,"spans":2120,"direction":1038},"Zudem wirkt das Angebot – zumindest auf mich – ziemlich verwirrend. Elementare Filter, etwa für regionale Banken, Direktbanken oder Neo-Banken, habe ich gar nicht erst gefunden.",[],{"type":1035,"text":2122,"spans":2123,"direction":1038},"Nun will ich keine übertriebene Werbung in eigener Sache machen. Doch ich bin überzeugt, dass ein einfach nutzbarer Girokonten-Vergleich, der aussagekräftige Ergebnisse liefert, für das Gros der Kunden besser geeignet ist, als das Mammutwerk der BaFin.",[],{"type":1078,"text":2125,"spans":2126,"direction":1038},"Der FMH Girokonto-Vergleich",[],{"type":1035,"text":2128,"spans":2129,"direction":1038},"Zugegeben: Der Giro-Vergleich auf der FMH-Seite enthält statt 6900 nur 300 Konten. Das aber muss kein Nachteil sein. Im Gegenteil. Denn anders als die Bafin nutzen wir nur Daten von Banken, die freiwillig mit uns kooperieren, weil sie neue Kunden gewinnen wollen. Und das führt dazu, dass in unserem Girokonto-Vergleich auch und gerade die besonders günstigen Anbieter zu finden sind. Und genau das ist es ja, was die Nutzer eines solchen Tools sich wünschen.\nMit unserem Girokonto-Vergleich benötigen Sie nur ein paar der wichtigsten Eingaben, um einen ersten Überblick für die besten Girokonten zu bekommen.",[2130],{"start":2131,"end":2132,"type":1099,"data":2133},472,491,{"id":476,"type":107,"tags":2134,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"type":1035,"text":2136,"spans":2137,"direction":1038},"Wer das optimale Girokonto für seine individuellen Bedürfnisse finden will, kann dies auf unserer Detail-Analyse suchen: Weiterer Vorteil unseres Rechners: Kunden können bei der FMH nach Konten suchen, die exakt auf das eigene Nutzungsverhalten zugeschnitten sind. Welche Kredit- und Debitkarten werden regelmäßig genutzt? Ist das Konto ab und zu im Minus? Wie wichtig sind Filialen oder der direkte Kontakt zu einem persönlichen Ansprechpartner?",[2138],{"start":1868,"end":1869,"type":1099,"data":2139},{"id":476,"type":107,"tags":2140,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"type":1035,"text":2142,"spans":2143,"direction":1038},"Wer unseren Rechner mit solchen Informationen füttert, erhält am Ende eine Liste von Banken, die die besten Offerten für das eigene Nutzerverhalten anbieten. Sie sind interessiert? Testen Sie uns. Unser Service ist kostenlos – kann Ihnen auf lange Sicht aber viel Geld sparen.",[2144],{"start":2145,"end":2146,"type":1099,"data":2147},181,195,{"id":476,"type":107,"tags":2148,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$9aa8138a-c9ca-4c9d-82f3-b3e486345c67","BaFin-Girokonto-Vergleich: FMH-Vergleich bietet mehr | FMH.de","Girokonto vergleichen mit FMH: Entdecken Sie 300 ausgewählte statt 6.900 Konten und finden Sie günstige Angebote. Jetzt kostenlos vergleichen!",{"dimensions":2153,"alt":2072,"copyright":1052,"url":2154,"id":2155,"edit":2156},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLlwmGNHVfTPDg1_a1ef6f7910af9ea5a9b759184a53b8691880c715-BaFin.jpg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260","aMLlwmGNHVfTPDg1",{"x":24,"y":24,"zoom":25,"background":26},{"id":2158,"uid":1487,"url":2159,"type":319,"href":2160,"tags":2161,"first_publication_date":2162,"last_publication_date":2163,"slugs":2164,"linked_documents":2166,"lang":13,"alternate_languages":2167,"data":2168},"aaWmHREAACcAyjCP","\u002Fartikel\u002Fdie-besten-tagesgeldzinsen-2026-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aaWmHREAACcAyjCP%22%29+%5D%5D",[],"2026-03-03T09:45:34+0000","2026-11-06T12:11:51+0000",[2165],"mehr-sicherheit-und-langere-zinsgarantien",[],[],{"publication_date":2169,"last_edit_date":2169,"set_last_edit_date_today":45,"title":2170,"subtitle":2171,"breadcrumb_title":5,"topic":2172,"teaser":2175,"author":2183,"cover":2186,"cover_position":1056,"table_of_content":1532,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":2194,"slices":2197,"meta_title":2310,"meta_description":2311,"meta_image":2312,"meta_indexed":1153},"2026-03-03","Tagesgeld 2026: Wo Sparer jetzt die attraktivsten Konditionen finden","Hohe Aktionszinsen, längere Garantien und sichere Einlagen im Vergleich",{"id":1507,"type":1026,"tags":2173,"lang":13,"slug":1509,"first_publication_date":1510,"last_publication_date":1511,"uid":1509,"link_type":43,"key":2174,"isBroken":45},[],"ef357c28-aa54-45da-874c-629d7491c9f0",[2176],{"type":1035,"text":2177,"spans":2178,"direction":1038},"Tagesgeld bleibt gefragt. Flexible Verfügbarkeit trifft auf stabile Zinsen – zumindest während der Zinsgarantie. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts analysiert, welche Banken 2026 mit den besten Tagesgeldangeboten überzeugen.",[2179],{"start":1610,"end":2180,"type":1099,"data":2181},168,{"link_type":49,"url":2182,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Franking-das-sind-die-besten-und-lukrativsten-tagesgeldkonten\u002F100197805.html",{"id":1820,"type":1041,"tags":2184,"lang":13,"slug":1822,"first_publication_date":1823,"last_publication_date":1824,"uid":1822,"link_type":43,"key":2185,"isBroken":45},[],"df7193c2-7d39-4f7c-86b9-5fe3fccdfa01",{"dimensions":2187,"alt":2189,"copyright":2190,"url":2191,"id":2192,"edit":2193},{"width":1049,"height":2188},1002,"Lächelndes Senioren Paar auf dem Küchen Boden mit einem Kaffee in der Hand","PeopleImages, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress","aaasoFxvIZEnjQxz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1507,"type":1026,"tags":2195,"lang":13,"slug":1509,"first_publication_date":1510,"last_publication_date":1511,"uid":1509,"link_type":43,"key":2196,"isBroken":45},[],"bd82ee6a-76ee-42a7-aa6b-b1f62ae3c759",[2198],{"variation":1063,"version":1064,"items":2199,"primary":2200,"id":2309,"slice_type":1143,"slice_label":5},[],{"text":2201,"chart_alt":5},[2202,2205,2208,2211,2219,2222,2225,2228,2231,2234,2237,2240,2243,2251,2259,2262,2270,2277,2284,2290,2293,2296,2299,2306],{"type":1078,"text":2203,"spans":2204,"direction":1038},"Mehr Sicherheit und längere Zinsgarantien",[],{"type":1035,"text":2206,"spans":2207,"direction":1038},"In wirtschaftlich unsicheren Zeiten setzen viele Anleger wieder stärker auf Stabilität und schnelle Verfügbarkeit. Tagesgeld erfüllt diese Anforderungen: Das Guthaben ist jederzeit verfügbar und durch die gesetzliche Einlagensicherung bis 100.000 Euro je Bank geschützt; teils sichern Banken darüber hinaus deutlich höhere Beträge ab. Gleichzeitig passen viele Institute ihre Aktionszinsen an, um neue Kundinnen und Kunden zu gewinnen. Zudem verlängern immer mehr Anbieter die Zinsgarantie – statt nur drei Monaten werden zunehmend sechs oder sogar zwölf Monate feste Konditionen angeboten, was die Planungssicherheit spürbar erhöht.",[],{"type":1078,"text":2209,"spans":2210,"direction":1038},"So wurde bewertet",[],{"type":1035,"text":2212,"spans":2213,"direction":1038},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts insgesamt 75 bundesweite Tagesgeldanbieter untersucht.",[2214],{"start":2215,"end":2216,"type":1099,"data":2217},66,109,{"link_type":49,"url":2218,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-tagesgeldzinsen-handelsblatt",{"type":1035,"text":2220,"spans":2221,"direction":1038},"Im Mittelpunkt standen:",[],{"type":1035,"text":2223,"spans":2224,"direction":1038},"•\tRendite für 4 Monate",[],{"type":1035,"text":2226,"spans":2227,"direction":1038},"•\tDauer der Zinsgarantie",[],{"type":1035,"text":2229,"spans":2230,"direction":1038},"•\tEinlagensicherung",[],{"type":1035,"text":2232,"spans":2233,"direction":1038},"•\tMindestanlage",[],{"type":1035,"text":2235,"spans":2236,"direction":1038},"•\tmögliche Zusatzbedingungen (z. B. Girokonto-Eröffnung)",[],{"type":1035,"text":2238,"spans":2239,"direction":1038},"Sechs Banken erhielten die Bestnote „sehr gut“. Bewertet wurde nicht nur die maximale Verzinsung, sondern die Gesamtattraktivität des Angebots.",[],{"type":1078,"text":2241,"spans":2242,"direction":1038},"Diese Banken liegen vorne",[],{"type":1035,"text":2244,"spans":2245,"direction":1038},"An der Spitze der Auswertung steht Bank11 mit einem Aktionszins von 3,11 Prozent bei dreimonatiger Garantie.",[2246],{"start":2247,"end":2248,"type":1099,"data":2249},35,41,{"link_type":49,"url":2250,"target":52},"https:\u002F\u002Fmoneytrax.de\u002Fclick.php?aid=62&linkid=N48&userid=&subid=",{"type":1035,"text":2252,"spans":2253,"direction":1038},"Mit einem noch höheren Einstiegszins von 3,33 Prozent folgt die norisbank. Allerdings sinkt der Zinssatz nach Ablauf der Garantie deutlich. Zudem ist ein Girokonto beim Anbieter Voraussetzung.",[2254],{"start":2255,"end":2256,"type":1099,"data":2257},64,73,{"link_type":49,"url":2258,"target":52},"https:\u002F\u002Fwww.norisbank.de\u002Fgeldanlage\u002Ftagesgeld-festgeld\u002Ftagesgeld.html",{"type":1035,"text":2260,"spans":2261,"direction":1038},"Ebenfalls mit „sehr gut“ bewertet wurden:",[],{"type":1035,"text":2263,"spans":2264,"direction":1038},"•\tcomdirect",[2265],{"start":2266,"end":2267,"type":1099,"data":2268},2,11,{"link_type":49,"url":2269,"target":52},"https:\u002F\u002Fwww.comdirect.de\u002Fgeldanlage\u002Ftagesgeld.html",{"type":1035,"text":2271,"spans":2272,"direction":1038},"•\tVolkswagen Bank",[2273],{"start":2266,"end":2274,"type":1099,"data":2275},17,{"link_type":49,"url":2276,"target":52},"https:\u002F\u002Fpartners.pilot.de\u002Fgo.cgi?pid=34&wmid=162&cpid=1&prid=1&subid=62&target=Tagesgeld_12_2022",{"type":1035,"text":2278,"spans":2279,"direction":1038},"•\tSuresse Direkt Bank",[2280],{"start":2266,"end":2281,"type":1099,"data":2282},21,{"link_type":49,"url":2283,"target":52},"https:\u002F\u002Fwww.suressedirektbank.de\u002Fde\u002Fsparen-anlegen\u002Ftagesgeld?utm_source=fmh&utm_medium=affiliate&utm_campaign=listing&utm_content=tagesgeld",{"type":1035,"text":2285,"spans":2286,"direction":1038},"•\tBBVA",[2287],{"start":2266,"end":1690,"type":1099,"data":2288},{"link_type":49,"url":2289,"target":52},"https:\u002F\u002Fwww.bbva.de\u002Fprivat\u002Fservices\u002Fsmart-banking\u002Fsparbox.html",{"type":1078,"text":2291,"spans":2292,"direction":1038},"Fazit: Attraktive Chancen für sicherheitsorientierte Anleger",[],{"type":1035,"text":2294,"spans":2295,"direction":1038},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt: Tagesgeld bleibt 2026 eine solide Option für Anleger, die Wert auf Sicherheit und Flexibilität legen.",[],{"type":1035,"text":2297,"spans":2298,"direction":1038},"Wer nicht nur auf den Höchstzins schaut, sondern Garantiezeit, Anschlusszins und Bedingungen vergleicht, kann sein Erspartes gezielt optimieren.",[],{"type":1035,"text":2300,"spans":2301,"direction":1038},"Der FMH Tagesgeld-Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote.",[2302],{"start":1781,"end":2303,"type":1099,"data":2304},27,{"id":106,"type":107,"tags":2305,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1035,"text":2307,"spans":2308,"direction":1038},"",[],"text_block$5c4f0484-75a5-47ff-8620-7a618dc50a24","Die besten Tagesgeldzinsen 2026 | FMH.de","Tagesgeldvergleich 2026: Entdecken Sie attraktive Tagesgeldkonten mit hohen Zinsen und Zinsgarantie. FMH-Auswertung für das Handelsblatt.",{"dimensions":2313,"alt":2189,"copyright":2190,"url":2314,"id":2192,"edit":2315},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress&rect=0,107,1500,788&w=2400&h=1260",{"x":24,"y":1152,"zoom":25,"background":26},{"id":769,"uid":774,"url":775,"type":319,"href":2317,"tags":2318,"first_publication_date":772,"last_publication_date":773,"slugs":2319,"linked_documents":2320,"lang":13,"alternate_languages":2321,"data":2322},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMkuYxIAACYA7fCx%22%29+%5D%5D",[94],[771],[],[],{"publication_date":240,"last_edit_date":1599,"set_last_edit_date_today":5,"title":2323,"subtitle":2324,"breadcrumb_title":5,"topic":2325,"teaser":2331,"author":2338,"cover":2341,"cover_position":1056,"table_of_content":1057,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":2349,"slices":2350,"meta_title":4058,"meta_description":4059,"meta_image":4060,"meta_indexed":1153},"KfW Darlehen & Förderprogramme in der Übersicht","Alles, was Sie über KfW-Darlehen wissen müssen",{"id":2326,"type":1026,"tags":2327,"lang":13,"slug":94,"first_publication_date":2328,"last_publication_date":2329,"uid":94,"link_type":43,"key":2330,"isBroken":45},"aPDlUxIAACAAaSVI",[],"2025-10-16T12:30:18+0000","2025-10-24T10:12:22+0000","4c0c3439-6e4c-4c10-a04f-2fde51633dbe",[2332,2335],{"type":1035,"text":2333,"spans":2334,"direction":1038},"Die Förderung durch zinsgünstige KfW-Kredite wird für die Baufinanzierung immer bedeutsamer. An dieser Stelle finden Sie alle wichtigen Informationen zur KfW, den für die Immobilienfinanzierung relevanten Förderprogrammen und den aktuellen Zinsen.",[],{"type":1035,"text":2336,"spans":2337,"direction":1038},"Übrigens: Wenn Sie auf der Suche nach dem für Sie besten Anbieter für die Baufinanzierung sind, nutzen Sie unseren Hypotheken-Vergleich. Hier können Sie sich ausschließlich Banken anzeigen lassen, die KfW-Darlehen für Sie beantragen – bei uns in der Detail-Analyse.",[],{"id":1040,"type":1041,"tags":2339,"lang":13,"slug":1043,"first_publication_date":1044,"last_publication_date":1045,"uid":1043,"link_type":43,"key":2340,"isBroken":45},[],"ad7b6a2d-0497-48ce-b4ae-3fbaad08a198",{"dimensions":2342,"alt":2345,"copyright":5,"url":2346,"id":2347,"edit":2348},{"width":2343,"height":2344},1300,867,"KFW 50 Würfel","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQeQ3bpReVYa37XS_kfw-55-wurfel.png?auto=format,compress","aQeQ3bpReVYa37XS",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2351,2445,2546,2604,2907,2925,3159,3279,3444,3463,3605,3736,3790,3950,3964],{"variation":1063,"version":1064,"items":2352,"primary":2353,"id":2444,"slice_type":1143,"slice_label":5},[],{"text":2354,"chart_alt":5},[2355,2358,2361,2364,2366,2369,2372,2374,2377,2380,2382,2385,2388,2393,2401,2403,2406,2409,2412,2415,2418,2420,2423,2426,2429,2432,2435,2438,2441],{"type":1551,"text":2356,"spans":2357,"direction":1038},"Wer oder was ist die KfW-Bank?",[],{"type":1035,"text":2359,"spans":2360,"direction":1038},"Die KfW, die sich selbst als „Bank aus Verantwortung“ bezeichnet, ist eine Anstalt des Öffentlichen Rechts. Ihre Aufgabe ist es, öffentliche Gelder zu verwalten und Projekte zu fördern, die die wirtschaftlichen, sozialen und ökologischen Lebensbedingungen verbessern. Daher vergibt die KfW vergünstigte Darlehen an Förderungsberechtigte und greift Personen und Unternehmen unter die Arme, die sich in diesem Bereich engagieren. Die Förderprodukte der KfW werden meist nur „KfW-Programme“ bezeichnet.",[],{"type":1035,"text":2362,"spans":2363,"direction":1038},"Übrigens ist die KfW nicht nur die drittgrößte Bank in Deutschland, sondern auch die größte Förderbank weltweit.",[],{"type":1035,"text":2307,"spans":2365,"direction":1038},[],{"type":1551,"text":2367,"spans":2368,"direction":1038},"Welche KfW-Programme gibt es?",[],{"type":1035,"text":2370,"spans":2371,"direction":1038},"Die Bandbreite reicht von der finanziellen Unterstützung für Start-Ups über Digitalisierungskredite für Unternehmen bis hin zur Förderung von Wohneigentum für Privatpersonen.",[],{"type":1035,"text":2307,"spans":2373,"direction":1038},[],{"type":1551,"text":2375,"spans":2376,"direction":1038},"Wofür gibt es wohnwirtschaftliche KfW-Förderungen?",[],{"type":1035,"text":2378,"spans":2379,"direction":1038},"Die KfW-Förderungen im Bereich der Wohnungswirtschaft sind vielfältig. Über verbilligte Kredite freuen können sich sowohl Privatpersonen, die von ihrer eigenen Immobilie träumen, als auch Eigentümer, die ihr Haus oder ihre Wohnung sanieren wollen. Seit Juli 2021 liegt der Schwerpunkt der KfW-Förderung in diesem Bereich vor allem bei Thema Energieeffizienz. Ob es um einen Neubau, den Kauf eines sanierten Objektes oder eine Sanierung auf eigene Faust geht, spielt keine Rolle. In allen Varianten können Bauherren bzw. Käufer von Finanzierungen mit sehr günstigen Hypothekenzinsen profitieren. Die Bedingungen für effizientes Bauen und Sanieren sind aber vor allem deshalb unschlagbar günstig, weil es von der KfW auch noch hohe Tilgungszuschüsse gibt.",[],{"type":1035,"text":2307,"spans":2381,"direction":1038},[],{"type":1551,"text":2383,"spans":2384,"direction":1038},"KfW-Programme für Wohneigentum – das Wichtigste in Kürze",[],{"type":1035,"text":2386,"spans":2387,"direction":1038},"Wir haben für Sie die wichtigsten Förderprodukte der KfW im Bereich des Wohneigentums zusammengestellt. Die folgenden Grundvoraussetzungen liegen allen tabellarischen Übersichten zugrunde.",[],{"type":1652,"text":2389,"spans":2390,"direction":1038},"Darlehenstilgung: Beim Annuitätendarlehen zahlen Sie während der tilgungsfreien Anlaufzeit nur Zinsen, aber keine Tilgung und danach einen gleichmäßig hohen monatlichen Rückzahlungsbetrag (Zinsen + Tilgung) .",[2391],{"start":24,"end":2392,"type":1685},16,{"type":1652,"text":2394,"spans":2395,"direction":1038},"Kreditführende Bank. KfW-Kredite vergibt die Förderbank nicht selbst. Stattdessen werden sie stets über einen Finanzierungspartner (etwa die Hausbank oder eine Versicherung) bearbeitet und abgewickelt. Meist ist dieser Finanzierungspartner auch das Institut, das auch das Hauptdarlehen als Geldgeber finanziert.\nWichtig: Nicht jeder Anbieter für Baufinanzierung wickelt auch KfW-Darlehen ab. In unserem Baugeld-Vergleich haben Sie daher die Möglichkeit, nur Anbieter zu vergleichen, bei denen sie auch von der KfW-Förderung profitieren können.",[2396,2398],{"start":24,"end":2397,"type":1685},19,{"start":2399,"end":2400,"type":1685},312,319,{"type":1035,"text":2307,"spans":2402,"direction":1038},[],{"type":1551,"text":2404,"spans":2405,"direction":1038},"Wichtige Begrifflichkeiten in den Tabellen:",[],{"type":1652,"text":2407,"spans":2408,"direction":1038},"Die Zahl nach dem Begriff „KfW-Effizienzhaus“ gibt an, wie hoch der Jahresprimärenergiebedarf (Qp) in Relation (Prozent) zu einem vergleichbaren Neubau nach den Vorgaben der Energieeinsparverordnung (EnEV) sein darf.",[],{"type":1652,"text":2410,"spans":2411,"direction":1038},"Ein KfW-Effizienzhaus 55 hat beispielsweise höchstens 55 Prozent des Jahresprimärenergiebedarfs des entsprechenden Referenzgebäudes.",[],{"type":1652,"text":2413,"spans":2414,"direction":1038},"Auch der Wert des spezifischen Transmissionswärmeverslustes (HT’) des Gebäudes ist relevant. Beim KfW-Effizienzhaus 55 darf er z. B. höchstens 70 Prozent eines entsprechenden Referenzgebäudes betragen.",[],{"type":1652,"text":2416,"spans":2417,"direction":1038},"Klimafreundliches Wohngebäude – mit QNG besagt, dass ein Energieeffizienzhaus-Stufe 40 erreicht ist und die Anforderungen des „Qualitätssiegels Nachhaltiges Gebäude Plus“ (QNG-PLUS) oder des „Qualitätssiegels Nachhaltiges Gebäude Premium (QNG-PREMIUM)“ erfüllt – bestätigt durch ein Nachhaltigkeitszertifikat und nicht mit Öl, Gas oder Biomasse beheizt wird",[],{"type":1035,"text":2307,"spans":2419,"direction":1038},[],{"type":1551,"text":2421,"spans":2422,"direction":1038},"KfW-Programm 124: Das Basisprogramm für den Kauf oder Bau einer Immobilie",[],{"type":1652,"text":2424,"spans":2425,"direction":1038},"Standard-Programm",[],{"type":1652,"text":2427,"spans":2428,"direction":1038},"einzige Vorgabe: Selbstnutzung des Objektes",[],{"type":1652,"text":2430,"spans":2431,"direction":1038},"Darlehensbetrag maximal 100.000 Euro",[],{"type":1035,"text":2433,"spans":2434,"direction":1038},"Die Nummer 124 ist das Basisprogramm für die Anschaffung von Wohneigentum. Das Programm fördert den Kauf bzw. den Bau eines Hauses oder einer Eigentumswohnung mit einem langfristigen zinsgünstigen Darlehen. Die KfW finanziert damit bis zu 100 Prozent Ihrer Gesamtkosten, maximal 100.000 Euro.",[],{"type":1035,"text":2436,"spans":2437,"direction":1038},"Zu diesen Gesamtkosten zählen die Ausgaben für den Kauf des Grundstück, die Baukosten und Baunebenkosten – wenn Sie ein Haus bauen. Beim Immobilienkauf sind der Kaufpreis einschließlich Kaufnebenkosten sowie Kosten für Instandsetzung, Umbau und Modernisierung umfasst.",[],{"type":1035,"text":2439,"spans":2440,"direction":1038},"Die Förderung ist nicht an das Einkommen der Hauskäufer gekoppelt, auch die Größe und die Ausstattung der Immobilie spielen keine Rolle. Entscheidend für die Förderung ist allein, dass das Objekt, dass gebaut oder gekauft wird vom Käufer oder Bauherren selbst genutzt wird.",[],{"type":1035,"text":2442,"spans":2443,"direction":1038},"Bereitstellungszinsen in Höhe von 0,15 Prozent pro Monat fallen ab dem 13. Monat nach Darlehenszusage an. Die Tilgungshöhe hängt von der gewählten Laufzeit des KfW-Darlehens ab. Wer möchte, kann auch eine endfällige Variante wählen. 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Der Zinssatz wird bei Vertragsabschluss fest vereinbart und gilt über die gesamte Laufzeit. Zusätzlich greift bis zu einer Anlagesumme von 100.000 Euro pro Bank die EU-weite gesetzliche Einlagensicherung. ",[],{"type":1035,"text":4117,"spans":4118,"direction":1038},"Der größte Vorteil liegt in der Planungssicherheit. Der Nachteil: Während der Laufzeit ist das Geld nicht verfügbar. Aktuell liegen die besten Festgeldzinsen je nach Laufzeit zwischen zwei und drei Prozent pro Jahr. Damit lässt sich die Inflation zwar nicht schlagen, aber zumindest weitgehend abmildern. ",[],{"type":1551,"text":4120,"spans":4121,"direction":1038},"So wurde getestet ",[],{"type":1035,"text":4123,"spans":4124,"direction":1038},"Die FMH-Finanzberatung hat für das Handelsblatt insgesamt 57 bundesweite Anbieter analysiert. Bewertet wurde der Zinssatz einer Bank über die Laufzeiten ein, zwei und drei Jahre. ",[],{"type":1035,"text":4126,"spans":4127,"direction":1038},"Grundlage der Berechnung war eine Beispiel-Anlagesumme von 5.000 Euro. In die Auswertung flossen auch ausgewählte ausländische Banken ein, allerdings nur solche mit einem Moody’s Länderrating von mindestens A. ",[],{"type":1035,"text":4129,"spans":4130,"direction":1038},"Die Analyse zeigt: Im Vergleich zum Vorjahr sind die Festgeldzinsen gesunken. Besonders bei kurzen Laufzeiten ist der Rückgang schon spürbar, bei längeren Laufzeiten fällt er stärker aus. ",[],{"type":1551,"text":4132,"spans":4133,"direction":1038},"Die besten Festgeldanbieter im Überblick ",[],{"type":1035,"text":4135,"spans":4136,"direction":1038},"In der Auswertung erhielten sechs Anbieter die Bewertung „sehr gut“. ",[],{"type":1035,"text":4138,"spans":4139,"direction":1038},"An der Spitze steht Raisin. Hier sind, je nach Angebot, mindestens 5.000 Euro Anlagesumme erforderlich. 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",[],{"type":1035,"text":4150,"spans":4151,"direction":1038},"Eine spätere Gutschrift kann Nachteile haben: ",[],{"type":1652,"text":4153,"spans":4154,"direction":1038},"Es entsteht kein Zinseszinseffekt. ",[],{"type":1652,"text":4156,"spans":4157,"direction":1038},"Bei höheren Beträgen können steuerliche Effekte auftreten, da der Sparerpauschbetrag von 1.000 Euro pro Jahr schneller überschritten wird, wenn mehrere Jahre Zinsen auf einmal ausgezahlt werden. ",[],{"type":1035,"text":2307,"spans":4159,"direction":1038},[],{"type":1078,"text":4161,"spans":4162,"direction":1038},"Fazit: Sicherheit ja – vergleichen unbedingt ",[],{"type":1035,"text":4164,"spans":4165,"direction":1038},"Die Auswertung der FMH-Finanzberatung für das Handelsblatt zeigt: Festgeld bleibt eine solide Option für alle, die Wert auf Sicherheit und feste Zinsen legen. Trotz gesunkener Zinsen, im Vergleich zum Vorjahr, gibt es Anbieter mit attraktiven Konditionen. ",[4166],{"start":1781,"end":1782,"type":1099,"data":4167},{"link_type":49,"url":4168,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-festgeldzinsen-handelsblatt",{"type":1035,"text":4170,"spans":4171,"direction":1038},"Wer Laufzeiten, Mindestanlagen, Zinsgutschrift und steuerliche Aspekte vergleicht, kann auch im aktuellen Umfeld eine passende Lösung finden. ",[],{"type":1035,"text":4173,"spans":4174,"direction":1038},"Der FMH-Festgeldvergleich bietet dafür einen transparenten Überblick über die besten Angebote. 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Jetzt informieren!",{"dimensions":4183,"alt":4098,"copyright":2190,"url":4184,"id":4100,"edit":4185},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaV578XNYClf9o3PU_Mann-schaut-auf-Uhr.png?auto=format,compress&rect=0,71,1000,525&w=2400&h=1260",{"x":24,"y":1798,"zoom":25,"background":26},{"id":4187,"uid":1489,"url":4188,"type":319,"href":4189,"tags":4190,"first_publication_date":4192,"last_publication_date":4193,"slugs":4194,"linked_documents":4196,"lang":13,"alternate_languages":4197,"data":4198},"aMLyAREAACIAiooV","\u002Fartikel\u002Fdie-besten-goldsparplaene-2023-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyAREAACIAiooV%22%29+%5D%5D",[366,4191],"goldsparplaene","2025-11-05T14:24:13+0000","2026-07-24T08:37:07+0000",[4195],"in-kleinen-schritten-zum-ersten-goldstuck",[],[],{"publication_date":4199,"last_edit_date":4199,"set_last_edit_date_today":45,"title":4200,"subtitle":4201,"breadcrumb_title":5,"topic":4202,"teaser":4205,"author":4209,"cover":4212,"cover_position":1056,"table_of_content":1532,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":4220,"slices":4221,"meta_title":4268,"meta_description":4269,"meta_image":4270,"meta_indexed":1153},"2023-12-11","Die besten Goldsparpläne 2023","FMH-Auszeichnung für verschiedene Anlegertypen",{"id":1507,"type":1026,"tags":4203,"lang":13,"slug":1509,"first_publication_date":1510,"last_publication_date":1511,"uid":1509,"link_type":43,"key":4204,"isBroken":45},[],"5c33f6fc-e52c-4ea7-9a3d-9c96c3f2512a",[4206],{"type":1035,"text":4207,"spans":4208,"direction":1038},"Wenn eine Sache in Gold aufgewogen wird, dann hat sie einen besonders hohen Wert. Heißt es. Doch lohnt sich das Investment in das teure Edelmetall auch für Kleinsparer? Und wo können Einsteiger schon mit überschaubaren Beträgen in Gold investieren?",[],{"id":1518,"type":1041,"tags":4210,"lang":13,"slug":1520,"first_publication_date":1521,"last_publication_date":1522,"uid":1520,"link_type":43,"key":4211,"isBroken":45},[],"e4e7a572-3f38-405d-8df8-1f490e5f91b5",{"dimensions":4213,"alt":4216,"copyright":1052,"url":4217,"id":4218,"edit":4219},{"width":4214,"height":4215},1024,683,"Schwarze Schale mit Goldbarren drauf","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format,compress","aMLmmGGNHVfTPDj1",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4222],{"variation":1063,"version":1064,"items":4223,"primary":4224,"id":4267,"slice_type":1143,"slice_label":5},[],{"text":4225,"chart_alt":5},[4226,4229,4232,4235,4239,4242,4245,4248,4255,4258,4261,4264],{"type":1035,"text":4227,"spans":4228,"direction":1038},"In Krisenzeiten ist Gold von jeher eine gefragte Geldanlage. Und weil die Welt sich im Moment in einer Art Dauerkrisenmodus befindet, ist die Feinunze derzeit ausgesprochen teuer. Nur wenige Anleger dürften vor diesem Hintergrund gerade die Mittel haben, sich mit Goldbarren oder Münzen einzudecken.",[],{"type":1035,"text":4230,"spans":4231,"direction":1038},"In Gold investieren können Normalsterbliche aber trotzdem – zum Beispiel mit einem Goldsparplan. Ihn gibt es in zwei Spielarten.",[],{"type":1078,"text":4233,"spans":4234,"direction":1038},"In kleinen Schritten zum ersten Goldstück",[],{"type":1035,"text":4236,"spans":4237,"direction":1038},"Bei der ersten zahlen Kunden pro Monat einen festen Betrag in den Sparplan ein, der vom Anbieter dann genutzt wird, um physisches Gold zu erwerben. Die Sparer erwerben also nur Bruchteilseigentum an dem im Tresor des Anbieters gelagerten Edelmetall. Jedoch wird ihr Anteil monatlich um einen variierenden Part aufgestockt – je nachdem, wie hoch der Goldkurs gerade ist.",[4238],{"start":1871,"end":2146,"type":1685},{"type":1035,"text":4240,"spans":4241,"direction":1038},"Diese Form des Goldsparens ist eigentlich nicht zur Auslieferung gedacht, da bei einer Auslieferung noch Form- und Auslieferungskosten hinzukämen.",[],{"type":1035,"text":4243,"spans":4244,"direction":1038},"Die Alternative zu dieser Form des Sparplans, ist das sogenannte Zielsparen. Dabei bestimmen Anleger eine Barrengröße oder eine Münze, die sie erwerben wollen und investieren dann Monat für Monat einen fixen Betrag in den Sparplan, bis das Ziel erreicht ist. „Manche Anbieter verwenden die Sparraten sofort zum Kauf“, erläutert Beate Balke von der FMH-Finanzberatung. „Andere warten ab, bis die Zielsumme erreicht ist, um die gewählte Barren- oder Münzgröße zu erwerben.“ Spätestens dann aber erhalten Sparer bei dieser Variante ihr Gold nach Hause ausgeliefert.",[],{"type":1078,"text":4246,"spans":4247,"direction":1038},"Viele schwarze Schafe",[],{"type":1035,"text":4249,"spans":4250,"direction":1038},"Doch finden Interessenten das beste Preis-Leistungsverhältnis, wenn sie per Sparplan in das begehrte Edelmetall investieren wollen? Da der Markt nach wie vor sehr unübersichtlich ist, hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche ein exklusives Ranking erstellt und die Angebote von zwölf seriösen Anbietern unter die Lupe genommen. Dabei haben wir neben der Mindestsparrate auch die Gebühren bei Kauf und Verkauf sowie die Lagerkosten vergleichen.",[4251],{"start":1895,"end":4252,"type":1099,"data":4253},242,{"link_type":49,"url":4254,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fsicherer-hafen-das-sind-die-besten-goldsparplaene\u002F29513426.html",{"type":1551,"text":4256,"spans":4257,"direction":1038},"Bester Goldsparplan für Bruchteilseigentum",[],{"type":1035,"text":4259,"spans":4260,"direction":1038},"Für Bruchteilseigentum haben Degussa Sonne\u002FMond Goldhandel, Noble Metal Factory, Solit Group und Gold Republic die besten Angebote.",[],{"type":1551,"text":4262,"spans":4263,"direction":1038},"Bester Goldsparplan für Zielsparen",[],{"type":1035,"text":4265,"spans":4266,"direction":1038},"Beim Zielsparen schaffen es Ophirum, Degussa Sonne\u002FMond Goldhandel und Meine Schatzkammer auf die vorderen Plätze.",[],"text_block$a6fa8434-ce4d-45fd-80d0-de5db374fa3c","Gold-Sparpläne im Vergleich: Die besten Anbieter | FMH","Die besten Goldsparpläne 2023 im Vergleich: FMH bewertet Gebühren, Sparraten und Zielsparen. Jetzt den passenden Goldsparplan finden.",{"dimensions":4271,"alt":4216,"copyright":1052,"url":4272,"id":4218,"edit":4273},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format%2Ccompress&rect=0%2C0%2C1024%2C538&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4275,"uid":1490,"url":4276,"type":319,"href":4277,"tags":4278,"first_publication_date":4279,"last_publication_date":4280,"slugs":4281,"linked_documents":4282,"lang":13,"alternate_languages":4283,"data":4284},"aQOfvBIAACYAIfzf","\u002Fartikel\u002Fdie-besten-girokonten-2025-04","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQOfvBIAACYAIfzf%22%29+%5D%5D",[],"2025-10-30T17:30:36+0000","2026-11-06T09:21:36+0000",[367],[],[],{"publication_date":4285,"last_edit_date":1599,"set_last_edit_date_today":45,"title":4286,"subtitle":4287,"breadcrumb_title":5,"topic":4288,"teaser":4291,"author":4300,"cover":4303,"cover_position":1056,"table_of_content":1532,"toc_calculator":1058,"toc_selection":1059,"carousel_topic_filter":4311,"slices":4314,"meta_title":4471,"meta_description":4472,"meta_image":4473,"meta_indexed":1153},"2025-04-04","Die besten Girokonten 2025","Gebühren, Bedingungen, Bonusversprechen – welche Banken überzeugen",{"id":1025,"type":1026,"tags":4289,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":4290,"isBroken":45},[],"4360033a-b919-4cb5-bde1-a3e572718d8b",[4292],{"type":1035,"text":4293,"spans":4294,"direction":1038},"Das richtige Girokonto zu finden, ist nicht einfach: Gebührenmodelle, Kartenkosten und Bonusprogramme unterscheiden sich deutlich. Die FMH-Finanzberatung hat im Auftrag des Handelsblatt 52 Banken miteinander verglichen und zeigt, welche Institute 2025 mit den besten Konditionen überzeugen.",[4295],{"start":4296,"end":4297,"type":1099,"data":4298},173,185,{"link_type":49,"url":4299,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fgeld-girokonten-im-vergleich-diese-banken-haben-die-besten-angebote\u002F100118805.html",{"id":1820,"type":1041,"tags":4301,"lang":13,"slug":1822,"first_publication_date":1823,"last_publication_date":1824,"uid":1822,"link_type":43,"key":4302,"isBroken":45},[],"ef038882-5354-47d2-a2ec-118e3d24addf",{"dimensions":4304,"alt":4307,"copyright":5,"url":4308,"id":4309,"edit":4310},{"width":4305,"height":4306},1400,933,"Frau eröffnet über ihren Laptop ein Girokonto","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQOpl7pReVYa32Z8_Frau-eroeffnet-konto.png?auto=format,compress","aQOpl7pReVYa32Z8",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":4312,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1031,"link_type":43,"key":4313,"isBroken":45},[],"7e0279aa-6466-40f9-835c-2ec1efd1d70c",[4315],{"variation":1063,"version":1064,"items":4316,"primary":4317,"id":4470,"slice_type":1143,"slice_label":5},[],{"text":4318,"chart_alt":5},[4319,4321,4327,4330,4333,4336,4339,4342,4345,4347,4350,4353,4355,4358,4367,4386,4389,4391,4394,4397,4400,4404,4408,4417,4424,4426,4429,4432,4434,4437,4440,4443,4446,4448,4451,4454,4457,4460,4463],{"type":1078,"text":1845,"spans":4320,"direction":1038},[],{"type":1035,"text":4322,"spans":4323,"direction":1038},"Für die aktuelle Analyse hat die FMH-Finanzberatung 15 Direktbanken, 17 bundesweit aktive Banken und 20 regionale Institute bewertet.",[4324],{"start":1759,"end":2476,"type":1099,"data":4325},{"link_type":49,"url":4326,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-girokonten",{"type":1035,"text":4328,"spans":4329,"direction":1038},"\nGeprüft wurden:",[],{"type":1652,"text":4331,"spans":4332,"direction":1038},"Kontoführungsgebühren und Kartenkosten",[],{"type":1652,"text":4334,"spans":4335,"direction":1038},"Bedingungen für kostenlose Kontomodelle (z. B. Mindestgeldeingang)",[],{"type":1652,"text":4337,"spans":4338,"direction":1038},"Dispozinsen und Kosten für Buchungen",[],{"type":1652,"text":4340,"spans":4341,"direction":1038},"Neukundenaktionen und Bonusprogramme",[],{"type":1035,"text":4343,"spans":4344,"direction":1038},"Ziel der Untersuchung war es, die Gesamtkosten eines Kontos transparent zu machen - inklusive aller Gebühren, die im Alltag oft übersehen werden.",[],{"type":1035,"text":1118,"spans":4346,"direction":1038},[],{"type":1078,"text":4348,"spans":4349,"direction":1038},"Ergebnisse: Direktbanken liegen vorn",[],{"type":1035,"text":4351,"spans":4352,"direction":1038},"Die Auswertung zeigt ein klares Bild: Direktbanken bieten in der Regel die günstigsten Modelle. Viele Konten sind gebührenfrei oder mit überschaubaren Bedingungen verknüpft. Sechs der zehn bestplatzierten Direktbanken erhielten die Bewertung „sehr gut“.",[],{"type":1035,"text":2307,"spans":4354,"direction":1038},[],{"type":1551,"text":4356,"spans":4357,"direction":1038},"Die Top-Anbieter 2025:",[],{"type":1652,"text":4359,"spans":4360,"direction":1038},"C24 Bank – Platz 1 mit dem Smartkonto. Keine Kontoführungs- oder Kartengebühren, 1,25 % Guthabenzins bis 100.000 €, vier kostenlose Abhebungen im Monat, auch in Fremdwährung.",[4361,4364,4365],{"start":24,"end":1759,"type":1099,"data":4362},{"link_type":49,"url":4363,"target":52},"https:\u002F\u002Fs.c24.de\u002FFMH0000000\u002F",{"start":24,"end":1759,"type":1685},{"start":2303,"end":1782,"type":4366},"em",{"type":1652,"text":4368,"spans":4369,"direction":1038},"Comdirect, DKB Deutsche Kreditbank, ING, norisbank und Consorsbank – ebenfalls mit „sehr gut“ bewertet. Bei diesen Banken hängt die Gebührenfreiheit meist vom monatlichen Geldeingang ab (zwischen 700 € und 1.000 €).",[4370,4373,4374,4378,4383],{"start":24,"end":1700,"type":1099,"data":4371},{"link_type":49,"url":4372,"target":52},"https:\u002F\u002Ffinanceads.net\u002Ftc.php?t=30062C87024047B&subid=62",{"start":24,"end":2215,"type":1685},{"start":2267,"end":4375,"type":1099,"data":4376},34,{"link_type":49,"url":4377,"target":52},"https:\u002F\u002Fc.neqty.net\u002Ftrck\u002Feclick\u002Ff0886b4aafd4b17e44f36fce9bda0867&subid=62",{"start":4379,"end":4380,"type":1099,"data":4381},36,39,{"link_type":49,"url":4382,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C12410602B&subid=62",{"start":3170,"end":2215,"type":1099,"data":4384},{"link_type":49,"url":4385,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C15273616T&subid=62",{"type":1035,"text":4387,"spans":4388,"direction":1038},"Damit setzen Direktbanken weiterhin den Standard für günstige und moderne Kontoführung.",[],{"type":1035,"text":1118,"spans":4390,"direction":1038},[],{"type":1078,"text":4392,"spans":4393,"direction":1038},"Bundesweite Banken mit gemischten Ergebnissen",[],{"type":1035,"text":4395,"spans":4396,"direction":1038},"Bei den bundesweit aktiven Instituten zeigt sich ein differenziertes Bild: Unter den zehn Bestplatzierten finden sich drei Anbieter mit „sehr gut“, drei mit „gut“ und vier mit „befriedigend“.",[],{"type":1035,"text":4398,"spans":4399,"direction":1038},"Zu den überzeugendsten Angeboten zählen:",[],{"type":1652,"text":4401,"spans":4402,"direction":1038},"Meine Bank (Raiffeisenbank im Hochtaunus) – mit einem günstigen Onlinekonto und moderaten Dispozinsen.",[4403],{"start":24,"end":2248,"type":1685},{"type":1652,"text":4405,"spans":4406,"direction":1038},"OLB Bank – mit Girokonto Online und 50 € Neukundenbonus, Girocard für 12 € pro Jahr, kostenlose Debitkarte.",[4407],{"start":24,"end":1759,"type":1685},{"type":1652,"text":4409,"spans":4410,"direction":1038},"Santander Bank – mit BestGiro-Konto und bis zu 150 € Willkommensbonus.",[4411,4415,4416],{"start":24,"end":4412,"type":1099,"data":4413},14,{"link_type":49,"url":4414,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C19399010T&subid=62",{"start":24,"end":4412,"type":1685},{"start":2281,"end":1946,"type":4366},{"type":1035,"text":4418,"spans":4419,"direction":1038},"Auch die VR Bank Dreieich-Offenbach hat jedenfalls ein „sehr gut“ erhalten. Viele dieser Banken verzichten auf Gebühren, wenn monatlich mindestens 750 € eingehen – ein Modell, das besonders für Berufstätige attraktiv bleibt.",[4420,4423],{"start":1700,"end":2247,"type":1099,"data":4421},{"link_type":49,"url":4422,"target":52},"https:\u002F\u002Fwww.vrbanking.de\u002Flandingpages\u002Fonline-girokonto-fmh.html",{"start":1700,"end":4379,"type":1685},{"type":1035,"text":2307,"spans":4425,"direction":1038},[],{"type":1078,"text":4427,"spans":4428,"direction":1038},"Regionale Banken bleiben teurer",[],{"type":1035,"text":4430,"spans":4431,"direction":1038},"Keines der 20 untersuchten Regionalinstitute konnte sich in den oberen Rängen platzieren. Hauptgrund sind die im Vergleich höheren Kontoführungs- und Kartenkosten. Trotzdem behalten viele Kundinnen und Kunden ihre regionalen Girokonten, häufig aus Gewohnheit oder wegen persönlicher Beratung.",[],{"type":1035,"text":1118,"spans":4433,"direction":1038},[],{"type":1078,"text":4435,"spans":4436,"direction":1038},"Aktuelle Trends im Girokonto-Markt",[],{"type":1652,"text":4438,"spans":4439,"direction":1038},"Gebühren steigen: Immer mehr Banken bepreisen die Girocard separat oder schaffen sie ganz ab. Kredit- und Debitkarten gewinnen an Bedeutung.",[],{"type":1652,"text":4441,"spans":4442,"direction":1038},"Kombikarten im Kommen: Einige Banken bieten Karten mit Giro- und Kreditfunktion in einem – für Kundinnen und Kunden komfortabel, aber teils teurer.",[],{"type":1652,"text":4444,"spans":4445,"direction":1038},"Boni & Zinsen: Guthabenzinsen auf Girokonten und Neukundenprämien machen einige Angebote wieder attraktiver.",[],{"type":1035,"text":1118,"spans":4447,"direction":1038},[],{"type":1078,"text":4449,"spans":4450,"direction":1038},"Fazit: Vergleichen lohnt sich mehr denn je",[],{"type":1035,"text":4452,"spans":4453,"direction":1038},"Der FMH-Vergleich im Auftrag des Handelsblatts zeigt:",[],{"type":1652,"text":4455,"spans":4456,"direction":1038},"Direktbanken bieten 2025 die besten Girokonto-Konditionen – mit klaren Kostenstrukturen und häufig kostenfreien Konten.",[],{"type":1652,"text":4458,"spans":4459,"direction":1038},"Bundesweite Banken punkten mit Bonusaktionen und flexiblen Modellen.",[],{"type":1652,"text":4461,"spans":4462,"direction":1038},"Regionale Institute bleiben im Schnitt teurer, bieten aber persönliche Betreuung vor Ort.",[],{"type":1035,"text":4464,"spans":4465,"direction":1038},"Wer Gebühren vermeiden und moderne Funktionen nutzen möchte, sollte den Girokonto-Vergleich der FMH-Finanzberatung nutzen – unabhängig, transparent und aktuell.",[4466],{"start":4467,"end":3210,"type":1099,"data":4468},72,{"id":476,"type":107,"tags":4469,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$71b08014-d90d-4fca-9b38-8242cc9d6c9f","Girokonto-Vergleich: Die besten Konten im Test | FMH.de","FMH & Handelsblatt zeigen 2025 die besten Girokonten: Jetzt Gebühren vergleichen, Zinsen sichern & das passende Konto finden – unabhängig & aktuell",{"dimensions":4474,"alt":4307,"copyright":5,"url":4475,"id":4309,"edit":4476},{"width":1148,"height":1149},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQOpl7pReVYa32Z8_Frau-eroeffnet-konto.png?auto=format,compress&rect=0,99,1400,735&w=2400&h=1260",{"x":24,"y":4477,"zoom":25,"background":26},99]