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4 wichtige Tipps für Sie",{"id":1455,"type":1026,"tags":1456,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":1461,"isBroken":45},"aPDk8xIAACAAaSR6",[],"konto--karte","2025-10-16T12:28:58+0000","2025-10-24T10:12:13+0000","konto-karte","b3d0bdca-2007-47e5-bb74-0717698fefae",[1463],{"type":1033,"text":1464,"spans":1465,"direction":1036},"Echtzeitüberweisungen revolutionieren die Art und Weise, wie wir Geld überweisen. Sie ermöglichen es, Geldbeträge innerhalb von Sekunden zu übermitteln – eine deutliche Beschleunigung im Vergleich zu herkömmlichen Überweisungen. Für Sie ist es wichtig zu verstehen, wie sie von kostenlosen Echtzeitüberweisungen profitieren können.",[],{"id":1467,"type":1042,"tags":1468,"lang":13,"slug":1469,"first_publication_date":1470,"last_publication_date":1471,"uid":1472,"link_type":43,"key":1473,"isBroken":45},"aIc9vxEAACEAFoMr",[],"ania-scholz-orfanidis","2025-07-28T09:09:13+0000","2025-10-27T16:08:35+0000","ania-scholz","fba2efe9-d237-4441-b48a-14686939fe98",{"dimensions":1475,"alt":1477,"copyright":1115,"url":1478,"id":1479,"edit":1480},{"width":1051,"height":1476},667,"Echtzeitüberweisung kostenlos: 4 wichtige Tipps für Sie","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmf2GNHVfTPDjb_b426a1da5665d9366a64818bb189ceb7b939260b-shutterstock_405610198.jpg?auto=format,compress","aMLmf2GNHVfTPDjb",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"link_type":43},[1484],{"variation":1064,"version":1065,"items":1485,"primary":1486,"id":1537,"slice_type":1096,"slice_label":5},[],{"text":1487,"chart_alt":5},[1488,1492,1510,1513,1516,1519,1522,1525,1528,1531],{"type":1489,"text":1490,"spans":1491,"direction":1036},"heading3","Tipp 1: Vergleichen Sie jetzt: Sichern Sie sich Ihr kostenloses Echtzeitüberweisungsangebot",[],{"type":1033,"text":1493,"spans":1494,"direction":1036},"Nicht jede Bank bietet Echtzeitüberweisungen kostenfrei an. Nach Umsetzung der EU-Verordnung durch die EU-Staaten werden Echtzeitüberweisungen nicht mehr als Standartüberweisungen kosten dürfen. Überprüfen Sie schon jetzt die Gebühren Ihrer Bank und recherchieren Sie Banken, die diesen Service ohne Zusatzkosten anbieten. Manche Institute integrieren kostenlose Echtzeitüberweisungen in bestimmte Kontomodelle oder bieten sie als Teil von Werbeaktionen an. Untersuchen Sie die Angebote verschiedener Banken. Achten Sie dabei auf zusätzliche Vorteile wie höhere Überweisungslimits oder Budgetierungstools. Seien Sie vorsichtig bei der Interpretation der Preisübersichten der Banken. Unser Artikel Was ist eine Echtzeitüberweisung? bietet Ihnen einen klaren Überblick.",[1495,1500],{"start":1496,"end":1497,"type":1091,"data":1498},79,92,{"link_type":49,"url":1499,"target":52},"https:\u002F\u002Fwww.consilium.europa.eu\u002Fde\u002Fpress\u002Fpress-releases\u002F2023\u002F11\u002F07\u002Finstant-payments-council-and-parliament-reach-provisional-agreement\u002F",{"start":1501,"end":1502,"type":1091,"data":1503},697,730,{"id":1504,"type":319,"tags":1505,"lang":13,"slug":1506,"first_publication_date":1507,"last_publication_date":1508,"uid":1439,"url":1509,"link_type":43,"isBroken":45},"aO9iBRIAACAAZnRq",[480],"entwicklung-und-bedeutung-in-europa","2025-10-15T08:59:06+0000","2025-11-20T09:43:14+0000","\u002Fartikel\u002Fechtzeituberweisungen-in-deutschland-und-europa",{"type":1489,"text":1511,"spans":1512,"direction":1036},"Tipp 2: Schnell handeln: Nutzen Sie Echtzeitüberweisungen für dringende Zahlungen",[],{"type":1033,"text":1514,"spans":1515,"direction":1036},"Echtzeitüberweisungen sind ideal für eilige Transaktionen, wie das Begleichen von Last-Minute-Rechnungen oder das Aufteilen von Restaurantrechnungen. Nutzen Sie diesen Service, um Zeit zu sparen und um sicherzustellen, dass Ihre Zahlungen termingerecht erfolgen.",[],{"type":1489,"text":1517,"spans":1518,"direction":1036},"Tipp 3: Beachten Sie das Überweisungslimit",[],{"type":1033,"text":1520,"spans":1521,"direction":1036},"Informieren Sie sich vorab über die maximalen Überweisungsbeträge (seit 2020 bis zu 100.000 Euro) bei Echtzeitüberweisungen, um sicherzustellen, dass Ihre Transaktionen erfolgreich sind.",[],{"type":1489,"text":1523,"spans":1524,"direction":1036},"Tipp 4: Optimieren Sie internationale Transfers",[],{"type":1033,"text":1526,"spans":1527,"direction":1036},"Das Kind ist zum Auslandssemester in Frankreich und knapp bei Kasse? In Ihrer Ferienwohnung in Italien muss jetzt doch noch die Gebühr für die Endreinigung überwiesen werden? Auch für internationale Überweisungen können Echtzeitüberweisungen besonders vorteilhaft sein, da sie die Wartezeit erheblich verkürzen. Überprüfen Sie jedoch die Gebühren, da diese variieren können.",[],{"type":1033,"text":1529,"spans":1530,"direction":1036},"Echtzeit-Überweisungen sind aktuell noch nicht in allen 38 SEPA-Länder verfügbar, auch wenn die EU eine entsprechende Verpflichtung eingeführt hat. Zum SEPA-Raum gehören: neben den 27 EU-Staaten, die EWR-Länder Norwegen, Liechtenstein, Island sowie Nicht-EWR-Länder wie die Schweiz, Monaco, San Marino, Andorra, Vatikanstaat und das Vereinigte Königreich.",[],{"type":1033,"text":1532,"spans":1533,"direction":1036},"Fazit: Auch wenn Instant Payment noch nicht flächendeckend angeboten wird, treibt die EU-Verordnung dieses Überweisungsmodell voran, denn Echtzeitüberweisungen bieten eine schnelle und bequeme Möglichkeit, Geld zu transferieren. Indem Sie die richtige Bank wählen und sich über die Möglichkeiten im Klaren sind, können Sie diesen Service effektiv und z.T. kostenfrei nutzen. Beachten Sie die Limits und vergleichen Sie verschiedene Angebote, um das Beste aus Echtzeitüberweisungen herauszuholen.",[1534],{"start":24,"end":1535,"type":1536},5,"strong","text_block$786b977f-b2af-4b08-a366-d74174727d46","Kostenlose Echtzeitüberweisungen: 4 Expertentipps | FMH.de","4 wichtige Tipps für kostenlose Echtzeitüberweisungen. 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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.",[1573],{"start":1574,"end":1575,"type":1091,"data":1576},155,158,{"link_type":49,"url":1577,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FWas-koennen-Robo-Advisor-und-wo-gibt-es-die-besten-Angebote-article25918754.html",{"id":1579,"type":1042,"tags":1580,"lang":13,"slug":1581,"first_publication_date":1582,"last_publication_date":1583,"uid":1581,"link_type":43,"key":1584,"isBroken":45},"aQtX9hEAACMAT9iA",[],"beate-balke","2025-11-05T14:00:14+0000","2025-11-05T14:04:23+0000","e6dab729-2cab-4f5e-b8c5-4d81e750a20c",{"dimensions":1586,"alt":1587,"copyright":5,"url":1588,"id":1589,"edit":1590},{"width":1051,"height":1476},"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":1563,"type":1026,"tags":1592,"lang":13,"slug":1565,"first_publication_date":1566,"last_publication_date":1567,"uid":1565,"link_type":43,"key":1593,"isBroken":45},[],"7a6526f0-4a52-4081-8257-05ed220770ed",[1595],{"variation":1064,"version":1065,"items":1596,"primary":1597,"id":1758,"slice_type":1096,"slice_label":5},[],{"text":1598,"chart_alt":5},[1599,1602,1605,1608,1611,1619,1623,1626,1629,1632,1635,1638,1641,1644,1647,1653,1658,1663,1668,1672,1676,1680,1685,1690,1693,1696,1699,1702,1708,1712,1715,1718,1722,1727,1731,1735,1738,1741,1744,1751],{"type":1070,"text":1600,"spans":1601,"direction":1036},"Warum Robo-Advisor immer beliebter werden",[],{"type":1033,"text":1603,"spans":1604,"direction":1036},"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":1033,"text":1606,"spans":1607,"direction":1036},"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":1070,"text":1609,"spans":1610,"direction":1036},"Was untersucht wurde",[],{"type":1033,"text":1612,"spans":1613,"direction":1036},"Die FMH-Finanzberatung hat im Auftrag von ntv insgesamt 22 Robo-Advisor analysiert. Bewertet wurden:",[1614],{"start":1615,"end":1616,"type":1091,"data":1617},56,82,{"link_type":49,"url":1618,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-robo-advisor",{"type":1620,"text":1621,"spans":1622,"direction":1036},"list-item","Laufende Performance-Daten der letzten drei Jahre",[],{"type":1620,"text":1624,"spans":1625,"direction":1036},"Transaktions- und Verwaltungskosten",[],{"type":1620,"text":1627,"spans":1628,"direction":1036},"Servicegebühren und Mindestanlagebeträge",[],{"type":1620,"text":1630,"spans":1631,"direction":1036},"Möglichkeiten für Auszahlpläne",[],{"type":1033,"text":1633,"spans":1634,"direction":1036},"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":1070,"text":1636,"spans":1637,"direction":1036},"So haben die Robo-Advisor abgeschnitten",[],{"type":1033,"text":1639,"spans":1640,"direction":1036},"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":1033,"text":1642,"spans":1643,"direction":1036},"Diese Ergebnisse zeigen: Robo-Advisor sind längst nicht mehr nur eine digitale Spielerei - sie können über längere Zeiträume hinweg solide Erträge liefern.",[],{"type":1489,"text":1645,"spans":1646,"direction":1036},"Die besten Anbieter bei einer klassischen Strategie",[],{"type":1033,"text":1648,"spans":1649,"direction":1036},"In der Gesamtbewertung aus Performance, Kostenstruktur und Serviceangebot überzeugten besonders folgende Anbieter mit der Bestnote „sehr gut“:",[1650],{"start":1651,"end":1652,"type":1536},131,141,{"type":1620,"text":1654,"spans":1655,"direction":1036},"Minveo",[1656],{"start":24,"end":1657,"type":1536},6,{"type":1620,"text":1659,"spans":1660,"direction":1036},"quirion",[1661],{"start":24,"end":1662,"type":1536},7,{"type":1620,"text":1664,"spans":1665,"direction":1036},"easyfolio",[1666],{"start":24,"end":1667,"type":1536},9,{"type":1620,"text":1669,"spans":1670,"direction":1036},"froots",[1671],{"start":24,"end":1657,"type":1536},{"type":1620,"text":1673,"spans":1674,"direction":1036},"cominvest",[1675],{"start":24,"end":1667,"type":1536},{"type":1620,"text":1677,"spans":1678,"direction":1036},"growney",[1679],{"start":24,"end":1662,"type":1536},{"type":1620,"text":1681,"spans":1682,"direction":1036},"MorgenFund",[1683],{"start":24,"end":1684,"type":1536},10,{"type":1620,"text":1686,"spans":1687,"direction":1036},"Scalable Wealth",[1688],{"start":24,"end":1689,"type":1536},15,{"type":1033,"text":1691,"spans":1692,"direction":1036},"Diese Robo-Advisor boten nicht nur überdurchschnittliche Renditen, sondern auch faire Gebührenmodelle, flexible Auszahlpläne und transparente Konditionen.",[],{"type":1489,"text":1694,"spans":1695,"direction":1036},"Nachhaltige Geldanlage im Aufwind",[],{"type":1033,"text":1697,"spans":1698,"direction":1036},"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":1033,"text":1700,"spans":1701,"direction":1036},"Besonders auffällig: Die meisten nachhaltigen Anbieter lagen leistungsmäßig eng beieinander, ein Hinweis auf ein gereiftes Marktsegment.",[],{"type":1033,"text":1703,"spans":1704,"direction":1036},"Mit der Bewertung „sehr gut“ ausgezeichnet wurden die nachhaltigen Strategien von:",[1705],{"start":1706,"end":1707,"type":1536},18,28,{"type":1620,"text":1709,"spans":1710,"direction":1036},"cominvest (comdirect)",[1711],{"start":24,"end":1684,"type":1536},{"type":1620,"text":1681,"spans":1713,"direction":1036},[1714],{"start":24,"end":1684,"type":1536},{"type":1620,"text":1659,"spans":1716,"direction":1036},[1717],{"start":24,"end":1662,"type":1536},{"type":1620,"text":1719,"spans":1720,"direction":1036},"easyfolio Green",[1721],{"start":24,"end":1689,"type":1536},{"type":1620,"text":1723,"spans":1724,"direction":1036},"bevestor",[1725],{"start":24,"end":1726,"type":1536},8,{"type":1620,"text":1728,"spans":1729,"direction":1036},"VisualVest",[1730],{"start":24,"end":1684,"type":1536},{"type":1620,"text":1732,"spans":1733,"direction":1036},"Evergreen",[1734],{"start":24,"end":1667,"type":1536},{"type":1620,"text":1686,"spans":1736,"direction":1036},[1737],{"start":24,"end":1689,"type":1536},{"type":1033,"text":1739,"spans":1740,"direction":1036},"Nachhaltiges Investieren und attraktive Renditen schließen sich also nicht aus – viele Anbieter kombinieren beides überzeugend.",[],{"type":1070,"text":1742,"spans":1743,"direction":1036},"Fazit: Robo-Advisor bleiben auf Wachstumskurs",[],{"type":1033,"text":1745,"spans":1746,"direction":1036},"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.",[1747],{"start":1748,"end":1749,"type":1091,"data":1750},4,37,{"link_type":49,"url":1618,"target":52},{"type":1033,"text":1752,"spans":1753,"direction":1036},"Der FMH Robo-Advisor-Vergleich bietet einen unabhängigen Überblick über alle bewerteten Anbieter – transparent, aktuell und objektiv.",[1754],{"start":1748,"end":1755,"type":1091,"data":1756},30,{"id":161,"type":107,"tags":1757,"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":1762,"alt":1587,"copyright":5,"url":1763,"id":1589,"edit":1764},{"width":1542,"height":1543},"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":1765,"zoom":25,"background":26},71,{"id":1767,"uid":1432,"url":1768,"type":319,"href":1769,"tags":1770,"first_publication_date":1771,"last_publication_date":1772,"slugs":1773,"linked_documents":1775,"lang":13,"alternate_languages":1776,"data":1777},"aifWLRUAACsASe2M","\u002Fartikel\u002Fdie-besten-autokredite-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aifWLRUAACsASe2M%22%29+%5D%5D",[],"2026-06-09T09:25:13+0000","2026-11-06T09:23:15+0000",[1774],"autokredite-bleiben-gefragt",[],[],{"publication_date":1778,"last_edit_date":1778,"set_last_edit_date_today":45,"title":1779,"subtitle":1780,"breadcrumb_title":5,"topic":1781,"teaser":1788,"author":1797,"cover":1804,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1481,"carousel_topic_filter":1811,"slices":1814,"meta_title":1952,"meta_description":1953,"meta_image":1954,"meta_indexed":1100},"2026-06-09","Die besten Autokredite 2026","Wo Käufer von Neu- und E-Autos die besten Konditionen finden",{"id":1782,"type":1026,"tags":1783,"lang":13,"slug":1784,"first_publication_date":1785,"last_publication_date":1786,"uid":1784,"link_type":43,"key":1787,"isBroken":45},"aPDk0BIAACIAaSQv",[],"kredit-aufnehmen","2025-10-16T12:28:22+0000","2025-10-24T10:12:04+0000","a32e51ee-4f04-4517-a1d0-220fb9595ebb",[1789],{"type":1033,"text":1790,"spans":1791,"direction":1036},"Ein neues Auto bleibt für viele Haushalte eine große Investition. Neben dem Kaufpreis entscheidet vor allem die Finanzierung über die tatsächlichen Kosten. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts untersucht, welche Autokredite 2026 mit günstigen Zinsen und flexiblen Rückzahlungsoptionen überzeugen.",[1792],{"start":1793,"end":1794,"type":1091,"data":1795},198,211,{"link_type":49,"url":1796,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Franking-2026-die-besten-autokredite-fuer-neuwagen-und-e-autos-im-vergleich\u002F100219024.html",{"id":1798,"type":1042,"tags":1799,"lang":13,"slug":1800,"first_publication_date":1801,"last_publication_date":1802,"uid":1800,"link_type":43,"key":1803,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","85deb4ff-6ad7-48e2-8293-6a67eb159bbe",{"dimensions":1805,"alt":1806,"copyright":1807,"url":1808,"id":1809,"edit":1810},{"width":1050,"height":1051},"Junge Frau, die aus dem Auto schaut und lacht.","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress","aifa7AeQX7-eXAbF",{"x":24,"y":24,"zoom":25,"background":26},{"id":1782,"type":1026,"tags":1812,"lang":13,"slug":1784,"first_publication_date":1785,"last_publication_date":1786,"uid":1784,"link_type":43,"key":1813,"isBroken":45},[],"799eada1-b228-4eb6-9893-4f6e5dde5f24",[1815],{"variation":1064,"version":1065,"items":1816,"primary":1817,"id":1951,"slice_type":1096,"slice_label":5},[],{"text":1818,"chart_alt":5},[1819,1822,1825,1828,1830,1833,1848,1851,1854,1857,1860,1863,1866,1869,1871,1873,1876,1881,1886,1890,1893,1901,1909,1911,1914,1917,1919,1922,1925,1928,1931,1933,1936,1945],{"type":1070,"text":1820,"spans":1821,"direction":1036},"Autokredite bleiben gefragt",[],{"type":1033,"text":1823,"spans":1824,"direction":1036},"Trotz staatlicher Förderungen und Herstelleraktionen finanzieren viele Verbraucher ihren Fahrzeugkauf ganz oder teilweise über einen Kredit. Besonders bei Elektroautos können Zuschüsse die Anschaffung erleichtern, die Finanzierung bleibt jedoch oft ein wichtiger Bestandteil des Kaufs.",[],{"type":1033,"text":1826,"spans":1827,"direction":1036},"Wer einen Autokredit abschließt, sollte nicht nur auf den beworbenen Zinssatz achten. Entscheidend ist der Effektivzins, da er sämtliche kreditrelevanten Kosten berücksichtigt und einen realistischen Vergleich ermöglicht.",[],{"type":1033,"text":1077,"spans":1829,"direction":1036},[],{"type":1489,"text":1831,"spans":1832,"direction":1036},"Was wurde untersucht?",[],{"type":1033,"text":1834,"spans":1835,"direction":1036},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts fünf Anbieter mit bonitätsunabhängigen sowie neun Anbieter mit bonitätsabhängigen Autokrediten analysiert.",[1836,1839,1843],{"start":1748,"end":1837,"type":1091,"data":1838},22,{"link_type":49,"url":57,"target":52},{"start":1840,"end":1841,"type":1091,"data":1842},42,55,{"link_type":49,"url":1796,"target":52},{"start":1844,"end":1845,"type":1091,"data":1846},151,161,{"link_type":49,"url":1847,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-autokredite",{"type":1033,"text":1849,"spans":1850,"direction":1036},"Bewertet wurden unter anderem:",[],{"type":1620,"text":1852,"spans":1853,"direction":1036},"Effektivzinsen für Laufzeiten von 36 bis 60 Monaten",[],{"type":1620,"text":1855,"spans":1856,"direction":1036},"Kreditsumme von 20.000 Euro",[],{"type":1620,"text":1858,"spans":1859,"direction":1036},"Zinsvorteile für Elektrofahrzeuge",[],{"type":1620,"text":1861,"spans":1862,"direction":1036},"Möglichkeiten zur Ratenaussetzung",[],{"type":1620,"text":1864,"spans":1865,"direction":1036},"kostenfreie Sondertilgungen",[],{"type":1033,"text":1867,"spans":1868,"direction":1036},"Bei den bonitätsabhängigen Angeboten wurden sowohl die Bestzinsen als auch die für zwei Drittel der Kunden geltenden Zinssätze berücksichtigt.",[],{"type":1033,"text":1077,"spans":1870,"direction":1036},[],{"type":1070,"text":1779,"spans":1872,"direction":1036},[],{"type":1033,"text":1874,"spans":1875,"direction":1036},"Bei den bonitätsunabhängigen Angeboten erhielten drei Anbieter die Bewertung „sehr gut“:",[],{"type":1620,"text":1877,"spans":1878,"direction":1036},"PSD Bank West",[1879],{"start":24,"end":1880,"type":1536},13,{"type":1620,"text":1882,"spans":1883,"direction":1036},"PSD Bank Rhein-Ruhr",[1884],{"start":24,"end":1885,"type":1536},19,{"type":1620,"text":1887,"spans":1888,"direction":1036},"ADAC Finanzdienste",[1889],{"start":24,"end":1706,"type":1536},{"type":1033,"text":1891,"spans":1892,"direction":1036},"Positiv bewertet wurden insbesondere der Zinsvorteil für Elektrofahrzeuge sowie flexible Rückzahlungsoptionen.",[],{"type":1033,"text":1894,"spans":1895,"direction":1036},"Bei den bonitätsabhängigen Krediten überzeugten ING und Norisbank mit der Bestnote „sehr gut“. Beide Anbieter kombinieren günstige Effektivzinsen mit flexiblen Sondertilgungsmöglichkeiten.",[1896,1899],{"start":1897,"end":1898,"type":1536},48,51,{"start":1615,"end":1900,"type":1536},65,{"type":1033,"text":1902,"spans":1903,"direction":1036},"Betrachtet man statt des Bestzinses den für viele Verbraucher aussagekräftigeren Zwei-Drittel-Zins, ergibt sich ein anderes Bild: Hier kann die BBBank die Spitzenposition für sich beanspruchen. Die ING erhält auch hier die Note „sehr gut“.",[1904,1907],{"start":1905,"end":1906,"type":1536},144,150,{"start":1793,"end":1908,"type":1536},201,{"type":1033,"text":1077,"spans":1910,"direction":1036},[],{"type":1489,"text":1912,"spans":1913,"direction":1036},"Nicht nur auf den Zinssatz achten",[],{"type":1033,"text":1915,"spans":1916,"direction":1036},"Neben einem günstigen Effektivzins spielen flexible Kreditbedingungen eine wichtige Rolle. Besonders interessant sind:",[],{"type":1620,"text":1864,"spans":1918,"direction":1036},[],{"type":1620,"text":1920,"spans":1921,"direction":1036},"mögliche Ratenpausen",[],{"type":1620,"text":1923,"spans":1924,"direction":1036},"Zinsrabatte für Elektrofahrzeuge",[],{"type":1620,"text":1926,"spans":1927,"direction":1036},"transparente Gebührenmodelle",[],{"type":1033,"text":1929,"spans":1930,"direction":1036},"Wer unerwartet zusätzliches Geld erhält, kann durch Sondertilgungen die Restschuld reduzieren und dadurch Zinskosten sparen.",[],{"type":1033,"text":1077,"spans":1932,"direction":1036},[],{"type":1489,"text":1934,"spans":1935,"direction":1036},"Fazit: Vergleichen lohnt sich",[],{"type":1033,"text":1937,"spans":1938,"direction":1036},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt, dass sich die Konditionen von Autokrediten deutlich unterscheiden. Besonders bei bonitätsabhängigen Angeboten liegen die tatsächlichen Kundenzinsen häufig über den beworbenen Bestzinsen.",[1939,1941],{"start":1748,"end":1749,"type":1091,"data":1940},{"link_type":49,"url":1847,"target":52},{"start":1942,"end":1943,"type":1091,"data":1944},53,66,{"link_type":49,"url":1796,"target":52},{"type":1033,"text":1946,"spans":1947,"direction":1036},"Der FMH Autokredit Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote für Neu- und Elektrofahrzeuge.",[1948],{"start":1748,"end":1707,"type":1091,"data":1949},{"link_type":49,"url":1950,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkredit-aufnehmen\u002Fangebote-vergleichen\u002Fautokredit","text_block$ec03013c-0ef6-41a5-8ee0-fc57af236dda","Autokredit-Vergleich 2026: Top-Konditionen | FMH.de","FMH & Handelsblatt zeigen die besten Autokredite 2026 für Neu- und E-Autos. Jetzt Zinsen, Sondertilgung und flexible Konditionen vergleichen.",{"dimensions":1955,"alt":1806,"copyright":1807,"url":1956,"id":1809,"edit":1957},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Faifa7AeQX7-eXAbF_junge-frau-auto-freiheit.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1958,"zoom":25,"background":26},106,{"id":1960,"uid":1433,"url":1961,"type":319,"href":1962,"tags":1963,"first_publication_date":1964,"last_publication_date":1965,"slugs":1966,"linked_documents":1967,"lang":13,"alternate_languages":1968,"data":1969},"aPnwxBAAACAARcSA","\u002Fartikel\u002Fdie-besten-festgeldangebote-2025-09","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aPnwxBAAACAARcSA%22%29+%5D%5D",[366,123],"2025-10-23T09:21:26+0000","2026-10-16T09:32:18+0000",[367],[],[],{"publication_date":1970,"last_edit_date":1559,"set_last_edit_date_today":45,"title":1971,"subtitle":1972,"breadcrumb_title":5,"topic":1973,"teaser":1976,"author":1980,"cover":1983,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1992,"carousel_topic_filter":1993,"slices":1996,"meta_title":2106,"meta_description":2107,"meta_image":2108,"meta_indexed":1100},"2025-09-18","Die besten Festgeldangebote 2025","Top-Zinsen bei stabiler Sicherheit – wo sich Festgeld jetzt lohnt",{"id":1563,"type":1026,"tags":1974,"lang":13,"slug":1565,"first_publication_date":1566,"last_publication_date":1567,"uid":1565,"link_type":43,"key":1975,"isBroken":45},[],"be32d3d6-0e49-4eb5-bc52-0ef6a7246931",[1977],{"type":1033,"text":1978,"spans":1979,"direction":1036},"Sparen lohnt sich wieder: Auch 2025 bieten viele Banken attraktive Zinsen – selbst bei sinkendem Leitzins. Besonders Festgeld überzeugt durch Stabilität und Planbarkeit. Eine aktuelle Auswertung der FMH-Finanzberatung zeigt, welche Institute über Laufzeiten von einem, zwei und drei Jahren die besten Konditionen bieten.",[],{"id":1798,"type":1042,"tags":1981,"lang":13,"slug":1800,"first_publication_date":1801,"last_publication_date":1802,"uid":1800,"link_type":43,"key":1982,"isBroken":45},[],"59698079-70bc-48cb-9218-5441d37bbcc3",{"dimensions":1984,"alt":1987,"copyright":5,"url":1988,"id":1989,"edit":1990},{"width":1985,"height":1986},1800,1200,"Frau im orangenem Pullover ist unentschlossen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaPn1x7pReVYa3mFe_frau-mit-korallenem-pullover.png?auto=format%2Ccompress&rect=111%2C0%2C1551%2C1034&w=1800&h=1200","aPn1x7pReVYa3mFe",{"x":1090,"y":24,"zoom":1991,"background":26},1.16,"h1, h2 + Slices",{"id":1563,"type":1026,"tags":1994,"lang":13,"slug":1565,"first_publication_date":1566,"last_publication_date":1567,"uid":1565,"link_type":43,"key":1995,"isBroken":45},[],"5d609f38-673c-4aa5-84ca-0af29976de56",[1997],{"variation":1064,"version":1065,"items":1998,"primary":1999,"id":2105,"slice_type":1096,"slice_label":5},[],{"text":2000,"chart_alt":5},[2001,2003,2016,2019,2036,2039,2054,2057,2060,2067,2070,2073,2076,2081,2087,2090,2096,2098],{"type":1070,"text":1831,"spans":2002,"direction":1036},[],{"type":1033,"text":2004,"spans":2005,"direction":1036},"Für die aktuelle Analyse hat die FMH-Finanzberatung im Auftrag von ntv insgesamt 64 Banken verglichen – 25 Anbieter mit gesetzlicher Einlagensicherung und 39 mit erweiterter deutscher Einlagensicherung. Bewertet wurden die Zinsen für Laufzeiten von 1, 2 und 3 Jahren sowie die jeweilige Mindestanlagesumme.",[2006,2010,2015],{"start":1726,"end":2007,"type":1091,"data":2008},24,{"link_type":49,"url":2009,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-festgeldzinsen-ntv",{"start":2011,"end":2012,"type":1091,"data":2013},67,70,{"link_type":49,"url":2014,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDas-sind-jetzt-die-besten-Festgeldangebote-article26040304.html",{"start":2011,"end":2012,"type":1536},{"type":1070,"text":2017,"spans":2018,"direction":1036},"Beste Festgeldanbieter mit gesetzlicher Einlagensicherung",[],{"type":1033,"text":2020,"spans":2021,"direction":1036},"Im Bereich der gesetzlichen Absicherung überzeugten die Klarna, Wüstenrot Bausparkasse, J&T Direktbank und der Vermittler Raisin (bestes Angebot aus 27 Banken). Alle vier erhielten die Note „sehr gut“. Diese Anbieter punkten mit attraktiven Zinsen, klaren Konditionen und hoher Transparenz. ",[2022,2024,2027,2030,2033],{"start":1615,"end":2023,"type":1536},62,{"start":2025,"end":2026,"type":1536},64,86,{"start":2028,"end":2029,"type":1536},88,102,{"start":2031,"end":2032,"type":1536},122,128,{"start":2034,"end":2035,"type":1536},190,200,{"type":1070,"text":2037,"spans":2038,"direction":1036},"Beste Festgeldanbieter mit erweiterter Einlagensicherung",[],{"type":1033,"text":2040,"spans":2041,"direction":1036},"Auch unter den deutschen Banken mit zusätzlichem Schutz erreichten mehrere Institute Bestnoten:\nIKB Deutsche Industriebank, Volkswagen Bank, Hanseatic Bank, Bank11 und GRENKE Bank. Durch die erweiterte Einlagensicherung bieten sie ihren Kunden ein deutlich höheres Sicherheitsniveau – teilweise weit über die gesetzliche Grenze von 100.000 Euro hinaus.",[2042,2044,2047,2048,2051],{"start":2043,"end":2031,"type":1536},96,{"start":2045,"end":2046,"type":1536},124,139,{"start":1652,"end":1574,"type":1536},{"start":2049,"end":2050,"type":1536},157,163,{"start":2052,"end":2053,"type":1536},168,179,{"type":1070,"text":2055,"spans":2056,"direction":1036},"Strategisch anlegen: Laufzeiten clever kombinieren",[],{"type":1033,"text":2058,"spans":2059,"direction":1036},"Wer sein Geld nicht komplett an eine Laufzeit bindet, bleibt flexibler und kann Zinschancen besser nutzen. Diese sogenannte Treppenstrategie (Laddering) verteilt das Kapital auf verschiedene Laufzeiten und schafft damit einen ausgewogenen Renditemix.",[],{"type":1033,"text":2061,"spans":2062,"direction":1036},"Auch ohne mehrere Konten bei unterschiedlichen Banken zu eröffnen, lässt sich mit einem Top-Anbieter aus dem Ranking ein attraktiver Zinsmix erzielen. Gerade in Zeiten schwankender Zinsen sorgt diese Strategie für Stabilität und regelmäßige Verfügbarkeit eines Teils des Guthabens.",[2063],{"start":2028,"end":2064,"type":1091,"data":2065},100,{"id":119,"type":107,"tags":2066,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],{"type":1070,"text":2068,"spans":2069,"direction":1036},"Einlagensicherung und Auszahlung beachten",[],{"type":1033,"text":2071,"spans":2072,"direction":1036},"Beim Festgeld zählt nicht nur der Zins. Ebenso wichtig ist, was am Ende der Laufzeit passiert:\nEinige Banken verlängern automatisch zu den dann gültigen Konditionen, oft für denselben Zeitraum. Wer das vermeiden möchte, sollte gleich nach der Anlage mitteilen, dass keine automatische Wiederanlage gewünscht ist.",[],{"type":1033,"text":2074,"spans":2075,"direction":1036},"Auch die Anlagesumme verdient Aufmerksamkeit:",[],{"type":1620,"text":2077,"spans":2078,"direction":1036},"Bis 100.000 Euro sind Einlagen EU-weit gesetzlich abgesichert.",[2079],{"start":1748,"end":2080,"type":1536},16,{"type":1620,"text":2082,"spans":2083,"direction":1036},"Wer mehr Kapital anlegt, sollte auf eine Bank mit erweiterter deutscher Einlagensicherung setzen.",[2084],{"start":2085,"end":2086,"type":1536},49,89,{"type":1070,"text":2088,"spans":2089,"direction":1036},"Fazit: Attraktive Zinsen bei sicherem Rahmen",[],{"type":1033,"text":2091,"spans":2092,"direction":1036},"Die FMH-Auswertung für ntv zeigt: Festgeld bleibt 2025 eine sichere und rentable Anlageform.\nBesonders die Kombination aus verlässlicher Einlagensicherung und stabilen Zinsen macht Festgeld zur idealen Option für sicherheitsorientierte Anleger.",[2093],{"start":1748,"end":2094,"type":1091,"data":2095},26,{"link_type":49,"url":2009,"target":52},{"type":1033,"text":1077,"spans":2097,"direction":1036},[],{"type":1033,"text":2099,"spans":2100,"direction":1036},"Der FMH-Festgeldvergleich bietet einen transparenten Überblick über die besten Angebote und hilft, das passende Konto zu finden - unabhängig, aktuell und objektiv.",[2101],{"start":1748,"end":2102,"type":1091,"data":2103},25,{"id":119,"type":107,"tags":2104,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],"text_block$a3c33485-f140-4fdd-a6ac-a3f3080d0113","Festgeld im Vergleich: Die besten Angebote | FMH","Festgeld-Angebote 2025 im FMH-Vergleich für ntv: attraktive Zinsen, Einlagensicherung und transparente Bewertungen. Jetzt informieren.",{"dimensions":2109,"alt":1987,"copyright":5,"url":2110,"id":1989,"edit":2111},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaPn1x7pReVYa3mFe_frau-mit-korallenem-pullover.png?auto=format,compress&rect=0,128,1800,945&w=2400&h=1260",{"x":24,"y":2032,"zoom":25,"background":26},{"id":2113,"uid":1434,"url":2114,"type":319,"href":2115,"tags":2116,"first_publication_date":2117,"last_publication_date":2118,"slugs":2119,"linked_documents":2121,"lang":13,"alternate_languages":2122,"data":2123},"aQINohIAACQAHwgl","\u002Fartikel\u002Ftagesgeldzinsen-steigen-wieder","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQINohIAACQAHwgl%22%29+%5D%5D",[113],"2025-10-29T13:20:06+0000","2026-10-16T09:25:43+0000",[2120],"die-zahl-der-aktionsangebote-nimmt-wieder-zu",[],[],{"publication_date":2124,"last_edit_date":1559,"set_last_edit_date_today":45,"title":2125,"subtitle":2126,"breadcrumb_title":5,"topic":2127,"teaser":2130,"author":2134,"cover":2137,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1992,"carousel_topic_filter":2144,"slices":2147,"meta_title":2205,"meta_description":2206,"meta_image":2207,"meta_indexed":1100},"2025-10-29","Tagesgeldzinsen steigen wieder","Attraktive Tagesgeld-Angebote für Neukunden",{"id":1563,"type":1026,"tags":2128,"lang":13,"slug":1565,"first_publication_date":1566,"last_publication_date":1567,"uid":1565,"link_type":43,"key":2129,"isBroken":45},[],"40460948-eb6c-4c13-998e-cc200f319b90",[2131],{"type":1033,"text":2132,"spans":2133,"direction":1036},"Die Inflationsgefahr in der Eurozone ist vorerst gebannt. Mit einer Teuerungsquote von rund zwei Prozent können die Währungshüter gut leben. Der Leitzins bleibt daher erst einmal unverändert. Sparer können sich zum Teil aber trotzdem über mehr Rendite freuen.",[],{"id":1041,"type":1042,"tags":2135,"lang":13,"slug":1044,"first_publication_date":1045,"last_publication_date":1046,"uid":1044,"link_type":43,"key":2136,"isBroken":45},[],"67d7133d-539f-4f70-be99-61201334e9fc",{"dimensions":2138,"alt":2140,"copyright":5,"url":2141,"id":2142,"edit":2143},{"width":1986,"height":2139},800,"Ballonfahrt","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress","aQcsnrpReVYa37Iz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1563,"type":1026,"tags":2145,"lang":13,"slug":1565,"first_publication_date":1566,"last_publication_date":1567,"uid":1565,"link_type":43,"key":2146,"isBroken":45},[],"1d211f38-3cf3-44fd-a43e-3674caaf2434",[2148],{"variation":1064,"version":1065,"items":2149,"primary":2150,"id":2204,"slice_type":1096,"slice_label":5},[],{"text":2151,"chart_alt":5},[2152,2155,2158,2163,2166,2169,2172,2175,2178,2181,2184,2187,2190,2199],{"type":1033,"text":2153,"spans":2154,"direction":1036},"Moderate Teuerungsraten innerhalb des angepeilten Korridors: Für die Europäische Zentralbank (EZB) sind das gute Nachrichten. Die Leitzinsen bleiben daher bis auf Weiteres auf dem Stand von Juni 2025. Und auch der Einlagenzins, also jener Satz, den die Banken erhalten, wenn sie Kundengelder bei der EZB parken, vorerst bei zwei Prozent. ",[],{"type":1033,"text":2156,"spans":2157,"direction":1036},"Doch was bedeutet dieser Stillstand für Sparer, die ihr Geld auf einem Tagesgeldkonto liegen haben? ",[],{"type":1070,"text":2159,"spans":2160,"direction":1036},"Die Zahl der Aktionsangebote nimmt wieder zu ",[2161],{"start":24,"end":2162,"type":1536},45,{"type":1033,"text":2164,"spans":2165,"direction":1036},"Traditionell dürfen Anleger in einer solchen Konstellation nicht allzu viel erwarten. Normalerweise weisen Banken ihre Top-Tagesgeldangebote stets analog zum Einlagenzins der EZB aus. Mit anderen Worten: Selbst Neukunden, die in der Regel (zumindest vorübergehend) die besseren Konditionen erhalten als Bestandskunden, bekamen nur jenen Anlagezins garantiert, den die Banken auf der anderen Seite von der EZB erhalten, wenn sie die Einlagen dort parken.  ",[],{"type":1033,"text":2167,"spans":2168,"direction":1036},"Inzwischen sehen wir allerdings, dass einige Banken wieder mehr bieten als den Standard. Meist stammen solche Offerten von Instituten, die sich auf dem deutschen Markt einen Namen machen wollen oder sehr genau rechnen. Ein Beispiel: Das Top-Zinsangebot laut Tagesgeldvergleich auf fmh.de von Ende Oktober 2025 liegt derzeit bei 3,50 Prozent. Das klingt sehr lukrativ. Allerdings garantiert die Bank diesen Zinssatz nur für drei Monate. Und sie begrenzt den maximalen Anlagebetrag, für den diese Konditionen gelten auf maximal 75.000 Euro.  ",[],{"type":1033,"text":2170,"spans":2171,"direction":1036},"Für Kunden bedeutet das: Innerhalb der garantierten drei Monate können sie bis zu 656,25 Euro Zinsen erhalten. Auch für die Bank lohnt sich das Angebot: Sie bekommt im selben Zeitraum 375 Euro Einlagezinsen von der EZB und investiert damit effektiv 281,25 Euro, um neue Kunden zu gewinnen – die Aufmerksamkeit in den Zinsvergleichen gibt es gratis dazu. ",[],{"type":1033,"text":2173,"spans":2174,"direction":1036},"Tagesgeld ist für alle Beteiligten also durchaus wieder attraktiv. Und selbst Kunden, die bereits viele Neukundenaktionen ausgenutzt haben, haben wieder die Möglichkeit TOP-Tagesgeldzinsen zu ergattern. Wer etwa 50.000 Euro statt für 0,75 Prozent zu drei Prozent und mehr bei einer Bank mit Aktionszins anlegt, erwirtschaftet innerhalb von drei Monaten ein Plus von 281,25 Euro.  ",[],{"type":1070,"text":2176,"spans":2177,"direction":1036},"Kaum Bewegung im Bestand ",[],{"type":1033,"text":2179,"spans":2180,"direction":1036},"Bleibt die Frage, wie sich die Zinsen für die Bestandskunden entwickeln. Der durchschnittliche Wert in diesem Segment liegt derzeit bei 0,71 Prozent (siehe Grafik). Das gleicht noch nicht einmal die Inflation aus.  ",[],{"type":1033,"text":2182,"spans":2183,"direction":1036},"Die Banken hingegen verdienen dennoch gut: Sie parken einfach die Milliarden der Sparer bei der EZB und bekommen die Differenz zwischen EZB-Einlagenzins und jenem Wert, den sie ihren Bestandskunden zahlen, als Gewinn vergütet. Das ist ein gutes Geschäft für die Banken. Allein Sichteinlagen (Geld auf Girokonto, Tagesgeld und andere kurzfristige Geldanlagen) und Bargeld beliefen sich im Jahr 2024 auf knapp vier Billionen Euro. Selbst wenn die Differenz zwischen dem Einlagezins und dem für Bestandskunden nur bei 0,5 Prozent läge (und in der Praxis ist es oft deutlich mehr), hätte die EZB 20 Milliarden Euro an die Banken und Sparkassen auszahlen. ",[],{"type":1070,"text":2185,"spans":2186,"direction":1036},"Wechseln lohnt sich",[],{"type":1033,"text":2188,"spans":2189,"direction":1036},"Derzeit deutet wenig darauf hin, dass sich die Zinsen für Bestandskunden deutlich verbessern. Wer ein bisschen Zeit investiert, kann sich allerdings auch in Zukunft hervorragende Zinsen aufs Tagesgeld sichern – vorausgesetzt, er oder sie ist bereit, gelegentlich die Bank zu wechseln. Denn auch in Zukunft wird es immer wieder Banken geben, die Neukunden für das Tagesgeld mehr zahlen als den Einlagenzins der EZB. Um davon zu profitieren, muss man sich nur die Mühe machen, ab und zu sein Erspartes gelegentlich zu einer anderen Bank zu transferieren.",[],{"type":2191,"url":2192,"alt":2193,"copyright":5,"dimensions":2194,"id":2197,"edit":2198},"image","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIUBrpReVYa3y03_Tagesgeld_EZB_Einlagenzins_Inflation-1-.png?auto=format,compress","Tagesgeld und EZB-Einlagenzins und Inflation",{"width":2195,"height":2196},1680,834,"aQIUBrpReVYa3y03",{"x":24,"y":24,"zoom":25,"background":26},{"type":2191,"url":2200,"alt":2193,"copyright":5,"dimensions":2201,"id":2202,"edit":2203},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIPybpReVYa3yyN_Tagesgeld_EZB_Einlagenzins_Inflation.png?auto=format,compress",{"width":2195,"height":2196},"aQIPybpReVYa3yyN",{"x":24,"y":24,"zoom":25,"background":26},"text_block$a729171e-b2cc-49ec-8e83-80e39c7437bd","Tagesgeldzinsen: Top-Angebote für Neukunden | FMH","Tagesgeldzinsen vergleichen und bis zu 3,50 % p. a. sichern: FMH zeigt attraktive Angebote transparent und unabhängig. Jetzt passende Bank finden.",{"dimensions":2208,"alt":2140,"copyright":5,"url":2209,"id":2142,"edit":2210},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1089,"zoom":25,"background":26},{"id":2212,"uid":1435,"url":2213,"type":319,"href":2214,"tags":2215,"first_publication_date":2216,"last_publication_date":2217,"slugs":2218,"linked_documents":2220,"lang":13,"alternate_languages":2221,"data":2222},"aPITxRIAACAAazyi","\u002Fartikel\u002Fdie-besten-digitalen-geschaeftskonten-2025-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aPITxRIAACAAazyi%22%29+%5D%5D",[366,480],"2025-10-20T12:26:14+0000","2026-10-16T09:34:02+0000",[2219],"worauf-selbststandige-achten-sollten",[],[],{"publication_date":2223,"last_edit_date":1559,"set_last_edit_date_today":45,"title":2224,"subtitle":2225,"breadcrumb_title":5,"topic":2226,"teaser":2229,"author":2233,"cover":2236,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1992,"carousel_topic_filter":2243,"slices":2246,"meta_title":2337,"meta_description":2338,"meta_image":2339,"meta_indexed":1100},"2025-10-06","Die besten digitalen Geschäftskonten 2025","Wo Selbstständige faire Konditionen und moderne Extras finden",{"id":1455,"type":1026,"tags":2227,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2228,"isBroken":45},[],"037701ac-b64c-42b2-98d7-a22d75d2c058",[2230],{"type":1033,"text":2231,"spans":2232,"direction":1036},"Wer selbstständig arbeitet, profitiert von einem separaten Geschäftskonto: Es schafft Übersicht, erleichtert die Buchhaltung und erfüllt bei manchen Banken sogar eine vertragliche Pflicht. Doch die Kosten und Leistungen unterscheiden sich deutlich - besonders zwischen klassischen Filialbanken und Digitalanbietern.",[],{"id":1798,"type":1042,"tags":2234,"lang":13,"slug":1800,"first_publication_date":1801,"last_publication_date":1802,"uid":1800,"link_type":43,"key":2235,"isBroken":45},[],"ae2e5f4e-ce8b-493d-83a4-e539f6710983",{"dimensions":2237,"alt":2238,"copyright":5,"url":2239,"id":2240,"edit":2241},{"width":1050,"height":1051},"Frau und Mann begutachten die Warenbestellung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaPZDy7pReVYa3eoO_startup_versand_geschaeftskonten.png?auto=format%2Ccompress&rect=102%2C0%2C1088%2C725&w=1500&h=1000","aPZDy7pReVYa3eoO",{"x":2029,"y":24,"zoom":2242,"background":26},1.38,{"id":1455,"type":1026,"tags":2244,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2245,"isBroken":45},[],"b76cb230-f7f5-4e9e-acad-4fd5f3c7590a",[2247],{"variation":1064,"version":1065,"items":2248,"primary":2249,"id":2336,"slice_type":1096,"slice_label":5},[],{"text":2250,"chart_alt":5},[2251,2262,2265,2270,2274,2279,2282,2290,2293,2310,2313,2326,2328],{"type":1033,"text":2252,"spans":2253,"direction":1036},"Eine aktuelle Untersuchung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt, welche digitalen Geschäftskonten 2025 am besten abschneiden. Bewertet wurden 26 Konten von zehn Anbietern, unter anderem nach Kontogebühren, Buchungskosten, Karten, Zinsen und Zusatzfunktionen. Grundlage war ein Musterfall mit 150 Buchungen pro Monat.",[2254,2258],{"start":2255,"end":2085,"type":1091,"data":2256},14,{"link_type":49,"url":2257,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-digitalen-gesch-ftskonten-handelsblatt",{"start":1900,"end":2259,"type":1091,"data":2260},78,{"link_type":49,"url":2261,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fgeld-das-sind-die-besten-digitalen-geschaeftskonten\u002F100158895.html",{"type":1070,"text":2263,"spans":2264,"direction":1036},"Worauf Selbstständige achten sollten",[],{"type":1620,"text":2266,"spans":2267,"direction":1036},"Gesamtkosten prüfen: Auch „kostenlose“ Konten können durch Buchungsgebühren teurer werden.",[2268],{"start":24,"end":2269,"type":1536},20,{"type":1620,"text":2271,"spans":2272,"direction":1036},"Extras vergleichen: Buchhaltungsfunktionen, Cashback oder Zinsen unterscheiden sich deutlich.",[2273],{"start":24,"end":1885,"type":1536},{"type":1620,"text":2275,"spans":2276,"direction":1036},"Bargeldbedarf beachten: Viele Digitalbanken bieten nur begrenzte Ein- und Auszahlungsmöglichkeiten.",[2277],{"start":24,"end":2278,"type":1536},23,{"type":1070,"text":2280,"spans":2281,"direction":1036},"Vivid vorn mit dem besten Gesamtpaket",[],{"type":1033,"text":2283,"spans":2284,"direction":1036},"Vivid Money geht als Testsieger hervor. Das kostenlose Standard-Konto überzeugte mit keinen Buchungskosten, integrierter Rechnungsstellung und bis zu vier Prozent Zinsen in den ersten 4 Monaten.",[2285,2287],{"start":24,"end":2286,"type":1536},12,{"start":1841,"end":2288,"type":2289},63,"em",{"type":1070,"text":2291,"spans":2292,"direction":1036},"Bunq, N26 und FYRST sind ebenfalls „sehr gut“",[],{"type":1033,"text":2294,"spans":2295,"direction":1036},"Auf Platz zwei folgt bunq mit dem kostenpflichtigen Pro Business-Konto. 250 Buchungen im Jahr sind inklusive, dazu kommen bis zu drei Mastercard-Debitkarten, 0,75 % Zinsen und praktische Tools wie Auto-USt-Berechnung. Bunq ist vor allem für international tätige Selbstständige interessant, da Konten in 22 Währungen geführt werden können. N26 erreicht Platz drei mit dem Business Smart-Konto für 4,90 € im Monat. Buchungen sind unbegrenzt kostenlos, ein Dispo ist verfügbar, und es gibt 0,1 % Cashback. FYRST (Deutsche Bank) folgt mit Fyrst Complete für 10 € monatlich, 75 Buchungen sind inklusive, danach 0,08 € pro Vorgang. Dazu gibt es Debitkarte, Girocard und optional eine Kreditkarte.",[2296,2298,2301,2304,2307],{"start":2297,"end":2102,"type":1536},21,{"start":2299,"end":2300,"type":1536},339,342,{"start":2302,"end":2303,"type":2289},371,385,{"start":2305,"end":2306,"type":1536},503,508,{"start":2308,"end":2309,"type":2289},535,549,{"type":1070,"text":2311,"spans":2312,"direction":1036},"Fazit: Digitale Konten mit klaren Vorteilen",[],{"type":1033,"text":2314,"spans":2315,"direction":1036},"Digitale Geschäftskonten punkten mit niedrigeren Gebühren und smarten Tools. Besonders Vivid, bunq, N26 und FYRST bieten 2025 überzeugende Konditionen für Selbstständige und kleine Unternehmen.",[2316,2318,2321,2323],{"start":2317,"end":1497,"type":1536},87,{"start":2319,"end":2320,"type":1536},94,98,{"start":2064,"end":2322,"type":1536},103,{"start":2324,"end":2325,"type":1536},108,113,{"type":1033,"text":1077,"spans":2327,"direction":1036},[],{"type":1033,"text":2329,"spans":2330,"direction":1036},"Der FMH-Girokonto-Vergleich liefert einen transparenten Überblick und hilft, das passende Konto zu finden.",[2331,2335],{"start":1748,"end":2332,"type":1091,"data":2333},27,{"id":476,"type":107,"tags":2334,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":1748,"end":1707,"type":1536},"text_block$db230419-3863-4ec4-81db-52802900ad52","Digitale Geschäftskonten vergleichen: Top-Anbieter | FMH","Digitale Geschäftskonten für Selbstständige und Unternehmen vergleichen: transparent, unabhängig und aktuell. Jetzt das passende Konto finden.",{"dimensions":2340,"alt":2238,"copyright":5,"url":2341,"id":2240,"edit":2342},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaPZDy7pReVYa3eoO_startup_versand_geschaeftskonten.png?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1958,"zoom":25,"background":26},{"id":2344,"uid":1436,"url":2345,"type":319,"href":2346,"tags":2347,"first_publication_date":2348,"last_publication_date":2349,"slugs":2350,"linked_documents":2352,"lang":13,"alternate_languages":2353,"data":2354},"aMLyHREAACAAiopR","\u002Fartikel\u002Fmanchmal-darf-es-eben-doch-etwas-mehr-sein-2024-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyHREAACAAiopR%22%29+%5D%5D",[480,366],"2025-11-06T11:39:15+0000","2026-10-16T09:27:26+0000",[2351],"was-bieten-girokonten-mit-premiumleistungen",[],[],{"publication_date":2355,"last_edit_date":2355,"set_last_edit_date_today":45,"title":2356,"subtitle":2357,"breadcrumb_title":5,"topic":2358,"teaser":2361,"author":2365,"cover":2368,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1481,"carousel_topic_filter":2376,"slices":2379,"meta_title":2433,"meta_description":2434,"meta_image":2435,"meta_indexed":1100},"2024-03-13","Die besten Girokonten mit Premiumleistungen 2024","Manchmal darf es eben doch etwas mehr sein",{"id":1455,"type":1026,"tags":2359,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2360,"isBroken":45},[],"8d99e36b-5481-4139-b08e-735e0b4ebecd",[2362],{"type":1033,"text":2363,"spans":2364,"direction":1036},"Als Kunde bevorzugt zu werden, zum Beispiel durch eine Golfclubmitgliedschaft, Taxi-Shuttle-Service oder die Vorteile eines Concierge-Service zu erleben, ist eine Erfahrung, die man ganz einfach genießen kann. Manchmal genügt bereits die einfache Eröffnung eines Girokontos.",[],{"id":1579,"type":1042,"tags":2366,"lang":13,"slug":1581,"first_publication_date":1582,"last_publication_date":1583,"uid":1581,"link_type":43,"key":2367,"isBroken":45},[],"baf1d3bb-cba2-4b95-a9bc-7f16b517b2f6",{"dimensions":2369,"alt":2372,"copyright":1115,"url":2373,"id":2374,"edit":2375},{"width":2370,"height":2371},900,601,"Frau schlägt einen Golfball bei Sonnenaufgang","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmY2GNHVfTPDjA_e35f35b2be7504d27fc8efd3e1a963d9b672afb2-Frau-spielt-Golf-Sunset.png?auto=format,compress","aMLmY2GNHVfTPDjA",{"x":24,"y":24,"zoom":25,"background":26},{"id":1455,"type":1026,"tags":2377,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2378,"isBroken":45},[],"3cd4ae89-6c10-4cc2-8e10-33c5bb101b08",[2380],{"variation":1064,"version":1065,"items":2381,"primary":2382,"id":2432,"slice_type":1096,"slice_label":5},[],{"text":2383,"chart_alt":5},[2384,2387,2390,2393,2396,2402,2405,2408,2411],{"type":1033,"text":2385,"spans":2386,"direction":1036},"Premium-Girokonten bieten umfassende Zusatzleistungen. Ob für den Urlaub oder das private Vergnügen, die für die eigenen Bedürfnisse passende Zusatzleistung findet sich ganz bestimmt. Vorausgesetzt, man ist bereit, etwas tiefer in die Tasche zu greifen. Viele Kunden schätzen jedoch diese All-inclusive-Lösungen. Warum es kompliziert machen, wenn es auch einfach sein kann?",[],{"type":1489,"text":2388,"spans":2389,"direction":1036},"Was bieten Girokonten mit Premiumleistungen?",[],{"type":1033,"text":2391,"spans":2392,"direction":1036},"Unter den Angeboten finden sich eine Vielzahl umfassender Zusatzleistungen wie Versicherungspakete, Kreditkarten und spezielle Services. Regionale Banken und Sparkassen bieten oft spezielle Leistungen in ihrer Region an, sei es ein kostenloses Abonnement einer örtlichen Zeitung wie bei der Förde Sparkasse, die HaspaJoker Vorteile der Hamburger Sparkasse oder die S-Vorteilswelt bei den meisten Sparkassen. Leider spiegeln die Preise der jeweiligen Konten nicht immer den Mehrwert wider, den man als Kunde am Ende erhält.",[],{"type":1489,"text":2394,"spans":2395,"direction":1036},"Doch wie findet man nun das für seine Bedürfnisse passende Girokonto mit Premiumleistungen?",[],{"type":1033,"text":2397,"spans":2398,"direction":1036},"Die WirtschaftsWoche hat die FMH-Finanzberatung beauftragt, genau dieser Frage nachzugehen. Ausgewertet wurden insgesamt 91 Anbieter (18 bundesweite und 73 regionale Banken und Sparkassen). Wir haben uns entschlossen, auch Konten zu berücksichtigen, die keine Premiumkonten im klassischen Sinne sind, jedoch mit einer zusätzlich buchbaren Premium-, oder Gold Kreditkarte aufgewertet werden können.",[2399],{"start":1748,"end":2269,"type":1091,"data":2400},{"link_type":49,"url":2401,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Ftarifvergleich-die-besten-girokonten-mit-premium-leistungen\u002F29700564.html",{"type":1489,"text":2403,"spans":2404,"direction":1036},"Wer sind die Gewinner?",[],{"type":1033,"text":2406,"spans":2407,"direction":1036},"Unter den bundesweiten Banken wurden fünf Anbieter mit „sehr gut“ bewertet. Sieger wurde die comdirect mit ihrem Girokonto Plus, das ein sehr gutes Preis-Leistungsverhältnis bietet. Danach folgen die Santander, Commerzbank, Consorsbank und die DKB Deutsche Kreditbank.",[],{"type":1033,"text":2409,"spans":2410,"direction":1036},"In der Kategorie regionale Banken wurden sechs Banken bzw. Sparkassen mit „sehr gut“ ausgezeichnet. Die Sparkasse Offenbach mit ihrem PremiumKonto wurde Sieger in unserem Vergleich, gefolgt von der Ostseesparkasse Rostock, Sparkasse Leipzig, Berliner Volksbank, Ostsächsische Sparkasse Dresden und die PSD Bank Berlin Brandenburg.",[],{"type":1033,"text":2412,"spans":2413,"direction":1036},"Wenn Sie noch unschlüssig sind, für welches Girokonto Sie sich entscheiden möchten, ist das kein Problem. Mit unserem Girokonto-Vergleichsrechner der FMH werden Sie bestimmt ein passendes Angebot finden. Möchten Sie einen genaueren Blick auf unsere Auszeichnung werfen, können Sie dies auf der Auszeichnungsseite der FMH machen.",[2414,2419,2420,2431],{"start":2415,"end":2416,"type":1091,"data":2417},118,145,{"id":476,"type":107,"tags":2418,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":2415,"end":2416,"type":1536},{"start":2421,"end":2422,"type":1091,"data":2423},294,312,{"id":2424,"type":62,"tags":2425,"lang":13,"slug":2426,"first_publication_date":2427,"last_publication_date":2428,"uid":2429,"url":2430,"link_type":43,"isBroken":45},"aQtSuBEAACEAT84I",[],"hier-entsteht-unsere-neue-auszeichnungsseite","2025-11-05T13:43:05+0000","2025-12-04T10:48:16+0000","auszeichnungen","\u002Fauszeichnungen",{"start":2421,"end":2422,"type":1536},"text_block$219d51fe-9cb8-4415-b85d-e6d1a95340cb","Premium-Girokonten im Test: Die besten Angebote | FMH","FMH-Finanzberatung testet für die WirtschaftsWoche Girokonten mit Premiumleistungen. Leistungen und Konditionen jetzt vergleichen.",{"dimensions":2436,"alt":2372,"copyright":1115,"url":2437,"id":2374,"edit":2438},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmY2GNHVfTPDjA_e35f35b2be7504d27fc8efd3e1a963d9b672afb2-Frau-spielt-Golf-Sunset.png?auto=format%2Ccompress&rect=0%2C0%2C900%2C473&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2440,"uid":1437,"url":2441,"type":319,"href":2442,"tags":2443,"first_publication_date":2444,"last_publication_date":2445,"slugs":2446,"linked_documents":2448,"lang":13,"alternate_languages":2449,"data":2450},"aMLyQREAACAAioqg","\u002Fartikel\u002Fattraktive-immobilienpreise-sinkende-bauzinsen-2024-08","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyQREAACAAioqg%22%29+%5D%5D",[94],"2025-11-05T14:15:16+0000","2026-11-06T12:01:15+0000",[2447],"bauzinsen-entwicklungen-und-prognosen",[],[],{"publication_date":2451,"last_edit_date":2451,"set_last_edit_date_today":45,"title":2452,"subtitle":2453,"breadcrumb_title":5,"topic":2454,"teaser":2457,"author":2461,"cover":2464,"cover_position":1057,"table_of_content":1058,"toc_calculator":1059,"toc_selection":1481,"carousel_topic_filter":2469,"slices":2470,"meta_title":2547,"meta_description":2548,"meta_image":2549,"meta_indexed":1100},"2024-08-05","Immobilienkauf 2024: Attraktive Immobilienpreise und sinkende Bauzinsen","Immobilienkauf: Wenn nicht jetzt, wann dann?",{"id":1025,"type":1026,"tags":2455,"lang":13,"slug":94,"first_publication_date":1028,"last_publication_date":1029,"uid":94,"link_type":43,"key":2456,"isBroken":45},[],"f74d55b1-9de2-4f84-abfc-f3c470c3f328",[2458],{"type":1033,"text":2459,"spans":2460,"direction":1036},"Mieten oder kaufen? Die Antwort auf diese ewig aktuelle Frage fällt derzeit eindeutig aus. Denn die Immobilienpreise und Bauzinsen sind so günstig wie lange nicht, was den Immobilienkauf wieder lohnenswert macht.",[],{"id":1041,"type":1042,"tags":2462,"lang":13,"slug":1044,"first_publication_date":1045,"last_publication_date":1046,"uid":1044,"link_type":43,"key":2463,"isBroken":45},[],"9b2efcc5-3ff9-4941-8d30-84b368732c36",{"dimensions":2465,"alt":2452,"copyright":1115,"url":2466,"id":2467,"edit":2468},{"width":1051,"height":1476},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl9mGNHVfTPDhf_39b7adaf9f07842da73d4409d1ec42a294a0c19d-Schoenes-Haus-Paar.jpg?auto=format,compress","aMLl9mGNHVfTPDhf",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2471],{"variation":1064,"version":1065,"items":2472,"primary":2473,"id":2546,"slice_type":1096,"slice_label":5},[],{"text":2474,"chart_alt":5},[2475,2478,2481,2484,2487,2490,2493,2508,2511,2514,2517,2525,2528,2531],{"type":1033,"text":2476,"spans":2477,"direction":1036},"Mehr als die Hälfte der Deutschen träumt davon, im Eigenheim zu leben. Das belegt eine aktuelle Umfrage der Meinungsforscher von Allensbach. Ihre Zahl dürfte auf absehbare Zeit weiter steigen.",[],{"type":1033,"text":2479,"spans":2480,"direction":1036},"Die Wohnungsnot in Deutschland ist groß, bezahlbare Mietobjekte in guten Lagen sind praktisch nicht mehr zu haben. Und da die Bundesregierung ihre Wohnungsbauziele von ca. 400.000 Einheiten per anno seit Jahren konsequent verfehlt, dürfte sich an diesem Befund bis auf Weiteres auch wenig ändern.",[],{"type":1033,"text":2482,"spans":2483,"direction":1036},"Im Jahr 2023 gab es gar nur rund 260.000 Baugenehmigungen. Solange Deutschland nicht in der Lage ist, ausreichend viele Wohnungen zu bauen, solange wird Wohnungsnot bestehen – und so bleiben Mieten hoch oder steigen sogar noch weiter.",[],{"type":1033,"text":2485,"spans":2486,"direction":1036},"Für all jene, die es leid sind, mit Hunderten anderer Bewerber um eine sündhaft teure Mietwohnung zu konkurrieren, stellt sich daher zunehmend die Frage, ob Kaufen nicht doch eine sinnvolle Option wäre.",[],{"type":1489,"text":2488,"spans":2489,"direction":1036},"Bauzinsen: Entwicklungen und Prognosen",[],{"type":1033,"text":2491,"spans":2492,"direction":1036},"Ein Blick auf die aktuellen Zahlen macht Mut: Die Immobilienpreise haben sich in den vergangenen Jahren auf ein erträgliches Niveau zurechtgeschrumpft. Allerdings geht der Trend inzwischen wieder leicht nach oben. Im Vergleich zu den Mondpreisen Anfang 2022 sind gute Objekte aber immer noch vergleichsweise günstig.",[],{"type":1033,"text":2494,"spans":2495,"direction":1036},"Gleiches gilt für die Finanzierungen: Nachdem sich Hypothekendarlehen in den vergangenen Jahren deutlich verteuert hatten, zeichnet sich nun eine leichte Zinsdelle ab. Die Europäische Zentralbank (EZB) hat gerade damit begonnen, die Leitzinsen leicht zu senken, obwohl die Inflation im Juli leicht angezogen hat: Dennoch gibt es bei den Bauzinsen eine erfreuliche leichte Abwärtstendenz. Das passt mit Blick auf die Inflation nicht zusammen, aber große Investoren lieben die Sicherheit der deutschen Bundesanleihen. Der aktuelle schmerzliche, weltweite Aktiencrash verstärkt den Wunsch nach Sicherheit und dürfte die Rendite der deutschen Staatspapiere weiter kräftig verbilligen. Und sinkt die Rendite der Bundesanleihe, sinken auch die Bauzinsen weiter.",[2496,2499,2500,2507],{"start":1652,"end":2050,"type":1091,"data":2497},{"id":558,"type":107,"tags":2498,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":1652,"end":2050,"type":1536},{"start":2501,"end":2502,"type":1091,"data":2503},695,720,{"id":2504,"type":2505,"tags":2506,"lang":5,"slug":1059,"first_publication_date":5,"last_publication_date":5,"link_type":43,"isBroken":1100},"aQSp8BAAACEAh0w-","broken_type",[],{"start":2501,"end":2502,"type":1536},{"type":1033,"text":2509,"spans":2510,"direction":1036},"Dennoch sollten Interessenten nicht darauf hoffen, bald wieder Zinsen unterhalb der Drei-Prozent-Marke zu sehen. Diese Zeiten sind erst einmal vorbei. Das liegt auch daran, dass die EZB künftig peinlich darauf achten dürfte, die Inflation bei gesunden zwei Prozent zu halten und Ausschläge nach oben oder unten vermeiden wird.",[],{"type":1489,"text":2512,"spans":2513,"direction":1036},"Eigenkapital und Finanzierungstipps",[],{"type":1033,"text":2515,"spans":2516,"direction":1036},"Was die finanzielle Grundausstattung potenzieller Käufer anbelangt, gilt von jeher: 20 Prozent Eigenkapital sollten Kunden mitbringen. Diese Faustregel wurde in den Zeiten kaum noch messbarer Mini-Zinsen und horrenden Kaufpreise zwar aufgeweicht. Jetzt, da sich der Markt normalisiert, sehen wir bei der FMH-Finanzberatung aber einen klaren Trend zurück zu dieser Marke.",[],{"type":1033,"text":2518,"spans":2519,"direction":1036},"Die meisten User, die unsere Zinsvergleiche nutzen und Finanzierungsmöglichkeiten berechnen, setzen einen Eigenkapitaleinsatz zwischen 20 und 30 Prozent des Kaufpreises an. Es ist also genug Geld vorhanden, um die Vorstellungen einer idealen Konstellation aus Kredit und Barmittel zu erfüllen.\nWer ein besonders üppiges (und sicheres) Einkommen hat, kann aber nach wie vor auch 100 Prozent des Kaufpreises finanzieren.",[2520,2524],{"start":1837,"end":2521,"type":1091,"data":2522},43,{"id":981,"type":901,"tags":2523,"lang":13,"slug":983,"first_publication_date":984,"last_publication_date":985,"uid":986,"url":987,"link_type":43,"isBroken":45},[],{"start":1837,"end":2521,"type":1536},{"type":1033,"text":2526,"spans":2527,"direction":1036},"Fazit: Der Traum vom Eigenheim bleibt realisierbar",[],{"type":1033,"text":2529,"spans":2530,"direction":1036},"Medienberichte, wonach eine eigene Immobilie „nur noch etwas für Reiche“ und „kaum noch finanzierbar“ ist, lassen sich damit nicht halten.\nZwar zeigen unsere Zahlen durchaus, dass die meisten Kaufinteressenten wegen der Lohnerhöhungen zum Inflationsausgleich deutlich mehr verdienen als 2022. Umgekehrt aber sind viele Kunden inzwischen auch bereit, mit geringerer Tilgungshöhe von weniger als zwei Prozent zu finanzieren und die Finanzierungszeit von früher unter 30 Jahren auf 35 Jahren auszudehnen.",[],{"type":1033,"text":2532,"spans":2533,"direction":1036},"Mit der richtigen Strategie lässt sich der Traum vom Eigenheim daher sehr wohl realisieren – und zwar so gut, wie lange nicht. Das mag einige überraschen. Wir von der FMH-Finanzberatung hatten diese Entwicklung allerdings schon Anfang 2023 gesehen.",[2534,2545],{"start":2535,"end":2536,"type":1091,"data":2537},193,247,{"id":2538,"type":319,"tags":2539,"lang":13,"slug":2540,"first_publication_date":2541,"last_publication_date":2542,"uid":2543,"url":2544,"link_type":43,"isBroken":45},"aMLx0REAACIAiomF",[94],"kehrtwende-fast-uber-nacht","2025-11-19T14:34:30+0000","2026-11-06T11:55:59+0000","steigende-zinsen-sinkende-preise","\u002Fartikel\u002Fsteigende-zinsen-sinkende-preise",{"start":2535,"end":2536,"type":1536},"text_block$1a2116c2-9da7-4374-809d-7b975fb0cd72","Immobilienkauf 2024: Günstige Preise und Bauzinsen nutzen","Immobilienkauf 2024: Sinkende Bauzinsen und attraktive Preise boten neue Chancen aufs Eigenheim. Erfahren Sie, warum sich der Kauf lohnen konnte.",{"dimensions":2550,"alt":2452,"copyright":1115,"url":2551,"id":2467,"edit":2552},{"width":1542,"height":1543},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl9mGNHVfTPDhf_39b7adaf9f07842da73d4409d1ec42a294a0c19d-Schoenes-Haus-Paar.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2554,"uid":1438,"url":2555,"type":319,"href":2556,"tags":2557,"first_publication_date":2558,"last_publication_date":2559,"slugs":2560,"linked_documents":2562,"lang":13,"alternate_languages":2563,"data":2564},"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",[2561],"so-haben-wir-getestet",[],[],{"publication_date":2565,"last_edit_date":2565,"set_last_edit_date_today":45,"title":2566,"subtitle":2567,"breadcrumb_title":5,"topic":2568,"teaser":2571,"author":2575,"cover":2578,"cover_position":1057,"table_of_content":2584,"toc_calculator":1059,"toc_selection":1481,"carousel_topic_filter":2585,"slices":2588,"meta_title":2650,"meta_description":2651,"meta_image":2652,"meta_indexed":1100},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1455,"type":1026,"tags":2569,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2570,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2572],{"type":1033,"text":2573,"spans":2574,"direction":1036},"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":1041,"type":1042,"tags":2576,"lang":13,"slug":1044,"first_publication_date":1045,"last_publication_date":1046,"uid":1044,"link_type":43,"key":2577,"isBroken":45},[],"90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2579,"alt":2580,"copyright":5,"url":2581,"id":2582,"edit":2583},{"width":1986,"height":2139},"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},"Always",{"id":1455,"type":1026,"tags":2586,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2587,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2589],{"variation":1064,"version":1065,"items":2590,"primary":2591,"id":2649,"slice_type":1096,"slice_label":5},[],{"text":2592,"chart_alt":5},[2593,2596,2599,2602,2605,2608,2611,2614,2617,2620,2623,2626,2629,2637,2640,2643,2646],{"type":1033,"text":2594,"spans":2595,"direction":1036},"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":1033,"text":2597,"spans":2598,"direction":1036},"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":1033,"text":2600,"spans":2601,"direction":1036},"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":1033,"text":2603,"spans":2604,"direction":1036},"Warum gerade 196 Städte?",[],{"type":1033,"text":2606,"spans":2607,"direction":1036},"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":1070,"text":2609,"spans":2610,"direction":1036},"So haben wir getestet",[],{"type":1033,"text":2612,"spans":2613,"direction":1036},"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":1033,"text":2615,"spans":2616,"direction":1036},"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":1033,"text":2618,"spans":2619,"direction":1036},"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":1489,"text":2621,"spans":2622,"direction":1036},"Die passende Bank für jedes Alter",[],{"type":1033,"text":2624,"spans":2625,"direction":1036},"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":1033,"text":2627,"spans":2628,"direction":1036},"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":1033,"text":2630,"spans":2631,"direction":1036},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2632,2636],{"start":2633,"end":1898,"type":1091,"data":2634},47,{"link_type":49,"url":2635,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":2633,"end":1898,"type":1536},{"type":1489,"text":2638,"spans":2639,"direction":1036},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1033,"text":2641,"spans":2642,"direction":1036},"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":1033,"text":2644,"spans":2645,"direction":1036},"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":1033,"text":2647,"spans":2648,"direction":1036},"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":2653,"alt":2580,"copyright":5,"url":2654,"id":2582,"edit":2655},{"width":1542,"height":1543},"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":1089,"zoom":25,"background":26},{"id":1504,"uid":1439,"url":1509,"type":319,"href":2657,"tags":2658,"first_publication_date":1507,"last_publication_date":1508,"slugs":2659,"linked_documents":2660,"lang":13,"alternate_languages":2661,"data":2662},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aO9iBRIAACAAZnRq%22%29+%5D%5D",[480],[1506],[],[],{"publication_date":240,"last_edit_date":2663,"set_last_edit_date_today":5,"title":2664,"subtitle":2665,"breadcrumb_title":5,"topic":2666,"teaser":2669,"author":2673,"cover":2676,"cover_position":1057,"table_of_content":2584,"toc_calculator":1059,"toc_selection":1481,"carousel_topic_filter":2685,"slices":2686,"meta_title":3037,"meta_description":3038,"meta_image":3039,"meta_indexed":1100},"2025-11-02","Echtzeitüberweisungen in Deutschland und Europa","Was ist Instant-Payment und was kostet der Service?",{"id":1455,"type":1026,"tags":2667,"lang":13,"slug":1457,"first_publication_date":1458,"last_publication_date":1459,"uid":1460,"link_type":43,"key":2668,"isBroken":45},[],"f0e608df-6a3a-43c7-add4-4045753806c6",[2670],{"type":1033,"text":2671,"spans":2672,"direction":1036},"In der Welt der Finanztransaktionen gewinnt das Thema Echtzeitüberweisung, auch bekannt als Instant-Payment, zunehmend an Bedeutung. Seit dem Beschluss der EU-Staaten und des EU-Parlaments im November 2023 rückt diese innovative Zahlungsmethode wieder in den Fokus der Öffentlichkeit.",[],{"id":1467,"type":1042,"tags":2674,"lang":13,"slug":1469,"first_publication_date":1470,"last_publication_date":1471,"uid":1472,"link_type":43,"key":2675,"isBroken":45},[],"3daa9e6f-c8e6-476b-8ba5-230308cd5724",{"dimensions":2677,"alt":2680,"copyright":2681,"url":2682,"id":2683,"edit":2684},{"width":2678,"height":2679},1300,867,"Mann auf Rackete","Adobe Stock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQhwKrpReVYa38C7_Rocketman.png?auto=format,compress","aQhwKrpReVYa38C7",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2687,2746,3029],{"variation":1064,"version":1065,"items":2688,"primary":2689,"id":2745,"slice_type":1096,"slice_label":5},[],{"text":2690,"chart_alt":5},[2691,2694,2697,2700,2703,2706,2709,2712,2715,2719,2723,2727,2730,2734,2738,2742],{"type":1070,"text":2692,"spans":2693,"direction":1036},"Entwicklung und Bedeutung in Europa",[],{"type":1033,"text":2695,"spans":2696,"direction":1036},"Echtzeitüberweisungen sind in Europa seit November 2017 möglich. Mit der neuen EU-Verordnung wird Instant-Payment dort verfügbar, wo auch SEPA-Überweisungen möglich sind. Diese Entwicklung markiert einen wichtigen Schritt in der Evolution des europäischen Zahlungsverkehrs.",[],{"type":1070,"text":2698,"spans":2699,"direction":1036},"Was ist Instant-Payment?",[],{"type":1033,"text":2701,"spans":2702,"direction":1036},"Instant-Payment ermöglicht es Nutzern, Geldbeträge in Echtzeit zu überweisen. Im Gegensatz zu herkömmlichen Überweisungen, die bis zu einem Werktag dauern können, werden Echtzeitüberweisungen innerhalb von 20 Sekunden abgewickelt. Sie sind rund um die Uhr verfügbar, auch an Wochenenden und Feiertagen. Derzeit ist der Höchstbetrag für eine solche Überweisung auf 100.000 Euro festgelegt.",[],{"type":1033,"text":2704,"spans":2705,"direction":1036},"Aber Achtung! Eine Eilüberweisung ist keine Echtzeitüberweisung. Sie dauert in der Regel länger als eine Echtzeitüberweisung, Zudem sind Eilüberweisungen meist sehr kostenintensiv aber im Moment noch gängiger als die Echtzeitüberweisungen.",[],{"type":1489,"text":2707,"spans":2708,"direction":1036},"Kosten und Gebühren",[],{"type":1033,"text":2710,"spans":2711,"direction":1036},"Die Non-Profit-Organisation European Payments Council (EPC) steht hinter dem Instant-Payment in Europa. Die Banken entscheiden selbst über die Preisgestaltung diese Services. Aktuell variieren die Gebühren: Einige Sparkassen bieten den Service kostenfrei an, während andere Gebühren erheben. Mit der neuen EU-Verordnung sollen Echtzeitüberweisungen jedoch nicht mehr kosten als Standardüberweisungen.",[],{"type":1489,"text":2713,"spans":2714,"direction":1036},"Vorteile von Echtzeitüberweisungen",[],{"type":1620,"text":2716,"spans":2717,"direction":1036},"Schnelligkeit: Echtzeitüberweisungen ermöglichen eine nahezu sofortige Übertragung von Geldmitteln zwischen Konten.",[2718],{"start":24,"end":1880,"type":1536},{"type":1620,"text":2720,"spans":2721,"direction":1036},"Verfügbarkeit: Echtzeitüberweisungen können rund um die Uhr, an sieben Tagen in der Woche durchgeführt werden, was besonders in Notfällen oder bei spontanen Ausgaben vorteilhaft ist.",[2722],{"start":24,"end":1880,"type":1536},{"type":1620,"text":2724,"spans":2725,"direction":1036},"Flexibilität: Die Möglichkeit, schnell auf finanzielle Anforderungen zu reagieren, bietet eine erhöhte Flexibilität im Alltag.",[2726],{"start":24,"end":2286,"type":1536},{"type":1489,"text":2728,"spans":2729,"direction":1036},"Nachteile von Echtzeitüberweisungen",[],{"type":1620,"text":2731,"spans":2732,"direction":1036},"Kosten: Einige Banken erheben Gebühren für Echtzeitüberweisungen, was zu zusätzlichen Ausgaben führen kann.",[2733],{"start":24,"end":1657,"type":1536},{"type":1620,"text":2735,"spans":2736,"direction":1036},"Betragslimit: Die Obergrenzen für eine Echtzeitüberweisung beträgt aktuell 100.000 Euro. Das bringt bei größeren Transaktionen Einschränkungen mit sich.",[2737],{"start":24,"end":2286,"type":1536},{"type":1620,"text":2739,"spans":2740,"direction":1036},"Abhängigkeit von der Bank: Nicht alle Banken bieten Echtzeitüberweisungen an, und die Verfügbarkeit kann je nach Finanzinstitut variieren.",[2741],{"start":24,"end":2102,"type":1536},{"type":1033,"text":2743,"spans":2744,"direction":1036},"Wenn Sie ein Konto mit Option zur kostenlosen Echtzeitüberweisung suchen, haben wir für Sie eine kleine Übersicht zusammengestellt. Folgende Banken bieten Kontomodelle mit der kostenlosen Instant-Payment-Funktion an:",[],"text_block$2422d27a-b6d1-4d07-9f7b-a6ac4590dfe3",{"variation":1064,"version":1065,"items":2747,"primary":2748,"id":3027,"slice_type":3028,"slice_label":5},[],{"title":2749,"textblock":2750,"table":2751,"footnotes":3023,"primary_background":45,"primary_column_background":1100,"primary_row_background":45},"Kontomodelle mit 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