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Ein separates Geschäftskonto ist aber auch für sie empfehlenswert, um private und geschäftliche Zahlungsströme sauber zu trennen. ",[],{"type":1379,"text":1383,"spans":1384,"direction":1034},"Für Kapitalgesellschaften (wie zum Beispiel GmbH) ist ein Geschäftskonto gesetzlich vorgeschrieben.  ",[],{"type":1379,"text":1386,"spans":1387,"direction":1034},"Aufkommende Plattform-Geschäftskonten, wie Qonto, Holvi, Finom oder FYRST bieten zusätzlich Tools wie Belegupload, E-Rechnungsstellung, die Möglichkeit, verschiedene Transaktionen zu kategorisieren oder einen DATEV-Export. ",[],{"type":1379,"text":1389,"spans":1390,"direction":1034},"Die Kosten für Geschäftskonten variieren stark: von kostenlosen Online-Konten bis zu relativ teuren Premium-Modellen mit mehreren Nutzern und erweiterten Funktionen gibt es für jeden Geschmack und jedes Budget das passende Modell. ",[],{"type":1375,"text":1392,"spans":1393,"direction":1034},"Für jeden das richtige Geschäftsgirokonto",[],{"type":1379,"text":1395,"spans":1396,"direction":1034},"Für alle, die direkt durchstarten möchten: Bei der Commerzbank* gibt’s 12 Monate kostenlose Kontoführung sowie 2,75 % p.a. auf dem Tagesgeldkonto für 4 Monate – inklusive kostenfreier Debitkarte.",[1397,1400,1406,1407,1410,1413],{"start":24,"end":1398,"type":1399},42,"strong",{"start":1401,"end":1402,"type":1403,"data":1404},51,63,"hyperlink",{"link_type":49,"url":1405,"target":52},"https:\u002F\u002Ffinanceads.net\u002Ftc.php?t=30062C304058060T&subid=fjdrGeGiKo",{"start":1401,"end":1402,"type":1399},{"start":1408,"end":1409,"type":1399},71,104,{"start":1411,"end":1412,"type":1399},111,123,{"start":1414,"end":1415,"type":1399},171,194,{"type":1379,"text":1417,"spans":1418,"direction":1034},"Für alle, die Banking modern denken: Vivid Money* überzeugt mit 4,00 % p.a. Guthabenzinsen in den ersten 4 Monaten und bis zu 6 % Cashback auf Einkäufe – perfekt für alle, die mit ihrem Geschäftskonto auch Rendite erzielen wollen. 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Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1572,1573],{"start":24,"end":25,"type":1399},{"start":1432,"end":1574,"type":1399},172,"text_block$34423f4b-9c65-4aea-a80d-d0ac2a18d6a2",{"variation":1369,"version":1370,"items":1577,"primary":1578,"id":1859,"slice_type":1457,"slice_label":5},[],{"text":1579,"chart_alt":5},[1580,1583,1586,1589,1594,1597,1600,1603,1609,1612,1614,1618,1621,1624,1627,1630,1633,1636,1639,1641,1644,1652,1658,1661,1664,1667,1670,1673,1676,1679,1682,1685,1690,1692,1695,1698,1701,1704,1707,1710,1713,1716,1719,1721,1726,1729,1732,1737,1740,1743,1748,1751,1753,1756,1761,1764,1767,1772,1775,1778,1781,1785,1788,1791,1794,1799,1802,1805,1808,1810,1813,1816,1819,1824,1829,1833,1838,1841,1844,1847,1850,1853,1856],{"type":1375,"text":1581,"spans":1582,"direction":1034},"Was ist ein Geschäftsgirokonto? ",[],{"type":1031,"text":1584,"spans":1585,"direction":1034},"Ein Geschäftskonto ist ein Girokonto, das ausschließlich für geschäftliche Einnahmen und Ausgaben verwendet wird. Es bildet die Grundlage für professionelle Zahlungsprozesse – von Kundenzahlungen bis Lieferantenrechnungen, von Löhnen bis Steuerabgaben. ",[],{"type":1031,"text":1587,"spans":1588,"direction":1034},"Im Gegensatz zum Privatgirokonto dient es dazu, geschäftliche Vorgänge sauber und nachvollziehbar abzubilden. Es sollte jederzeit die notwendigen Zahlen für die Buchhaltung und das Finanzamt liefern können.  Damit ist das Geschäftsgirokonto ein wichtiger Bestandteil der Kostenübersicht eines Unternehmens. ",[],{"type":1031,"text":1590,"spans":1591,"direction":1034},"Für Kapitalgesellschaften wie UG oder GmbH ist ein Geschäftskonto verpflichtend. Die Gesellschafter müssen nicht nur das Stammkapital auf dieses Konto einzahlen, sondern der Gesetzgeber verlangt auch, dass sämtliche geschäftlichen Aktivitäten ausschließlich über dieses Konto geführt werden. ",[1592],{"start":24,"end":1593,"type":1399},79,{"type":1031,"text":1595,"spans":1596,"direction":1034},"Ein modernes Geschäftskonto ist mehr als ein typisches Girokonto. Es ist Teil der professionellen Infrastruktur eines Unternehmens – egal, ob eine einzelne oder mehrere Personen damit arbeiten. ",[],{"type":1031,"text":1598,"spans":1599,"direction":1034}," ",[],{"type":1375,"text":1601,"spans":1602,"direction":1034}," Wie funktioniert ein Geschäftskonto? ",[],{"type":1031,"text":1604,"spans":1605,"direction":1034},"Ein Geschäftsgirokonto kann dieselben Dinge wie ein privates Girokonto – es ermöglicht Überweisungen, Lastschriften, Kartenzahlungen und Daueraufträge. Zusätzlich haben moderne Geschäftskonten allerdings noch weitere Funktionen, die den zusätzlichen Anforderungen des geschäftlichen Alltags Rechnung tragen. ",[1606],{"start":1607,"end":1608,"type":1399},237,263,{"type":1031,"text":1610,"spans":1611,"direction":1034},"Insgesamt lassen sich drei Funktionsbereiche unterscheiden. ",[],{"type":1031,"text":1598,"spans":1613,"direction":1034},[],{"type":1615,"text":1616,"spans":1617,"direction":1034},"heading3","1. Die Bankfunktionen (klassischer Teil) ",[],{"type":1031,"text":1619,"spans":1620,"direction":1034},"In erster Linie ist ein Geschäftsgirokonto ein normales Girokonto, das die gesetzlich vorgeschriebenen Funktionen hat. Dazu gehören unter anderem ",[],{"type":1379,"text":1622,"spans":1623,"direction":1034},"SEPA-Überweisungen und der Einzug von Lastschriften,  ",[],{"type":1379,"text":1625,"spans":1626,"direction":1034},"das Errichten und Verwalten von Daueraufträgen, ",[],{"type":1379,"text":1628,"spans":1629,"direction":1034},"Echtzeitüberweisungen sowie ",[],{"type":1379,"text":1631,"spans":1632,"direction":1034},"Bargeldabhebungen und -einzahlungen. ",[],{"type":1031,"text":1634,"spans":1635,"direction":1034},"Zudem stellen die Banken ihren Kunden Debit- und Kreditkarten zur Verfügung. Onlinebanking und mobile Banking Apps sind ebenfalls Standard. ",[],{"type":1031,"text":1637,"spans":1638,"direction":1034},"Die gesetzlich vorgeschriebene Einlagensicherung für das Konto beträgt 100. 000 Euro je Kunde und Bank. Es gibt auch hier von einigen Banken, unter anderem bei den großen Geschäftsbanken eine erweiterte Einlagensicherung pro Kunde und Bank bei 30 Millionen, die bis 20230 auf zehn Million abgesenkt werden soll. ",[],{"type":1031,"text":1598,"spans":1640,"direction":1034},[],{"type":1615,"text":1642,"spans":1643,"direction":1034},"2. Die erweiterten Tools moderner Business-Banking-Plattformen ",[],{"type":1031,"text":1645,"spans":1646,"direction":1034},"Viele neue Geschäftskonto-Anbieter sind keine klassischen Banken, sondern Plattformen, die auf einer regulierten Partnerbank aufsetzen. Diese Partnerbank wird auch genannt, damit der Kunde weiß, wer seine Bankgeschäfte am Ende abwickelt. \n Das bedeutet: ",[1647,1649],{"start":1648,"end":1428,"type":1399},40,{"start":1650,"end":1651,"type":1399},74,85,{"type":1031,"text":1653,"spans":1654,"direction":1034},"-Das eigentliche Konto wird bei einer voll lizenzierten Bank geführt. Der Kunde profitiert aber von zusätzlichen Funktionen, die die Plattform mit einer eigenen Software liefert. \n ",[1655,1656],{"start":24,"end":25,"type":1399},{"start":1657,"end":1512,"type":1399},60,{"type":1031,"text":1659,"spans":1660,"direction":1034},"Zu diesen Software-Funktionen gehören unter anderem: ",[],{"type":1379,"text":1662,"spans":1663,"direction":1034},"die digitale Erfassung von Belegen per App,  ",[],{"type":1379,"text":1665,"spans":1666,"direction":1034},"die automatische Verknüpfung von Umsatz und Beleg,   ",[],{"type":1379,"text":1668,"spans":1669,"direction":1034},"gesonderte Kategorien für Einnahmen\u002FAusgaben,  ",[],{"type":1379,"text":1671,"spans":1672,"direction":1034},"Exportformate für die Buchhaltung (z. B. DATEV-kompatibel), ",[],{"type":1379,"text":1674,"spans":1675,"direction":1034},"die Möglichkeit, elektronische Rechnungen zu erstellen und Angebote zu verwalten,  ",[],{"type":1379,"text":1677,"spans":1678,"direction":1034},"Hinweise, wann die Umsatzsteuer fällig wird und Tools zur Planung von Rücklagen, ",[],{"type":1379,"text":1680,"spans":1681,"direction":1034},"Teamfunktionen wie Rollenrechte und Freigaben, damit verschiedene Mitarbeiter nur begrenzte Rechte für das Konto haben. ",[],{"type":1031,"text":1683,"spans":1684,"direction":1034},"Gerade die Exportformate vereinfachen die Finanzbuchhaltung für Unternehmen ungemein. Dabei werden Rechnungen über die Plattform hochgeladen. Das System liest die wichtigen Daten, wie etwa Iban des Auftraggebers, Rechnungssumme und Datum aus und gleicht die Daten mit den Transaktionen auf dem Konto ab. Stimmen Betrag und Empfänger überein, wird die Transaktion automatisch mit dem digitalen Beleg verknüpft und ist buchungsfertig für den Steuerberater.",[],{"type":1031,"text":1686,"spans":1687,"direction":1034},"Wichtig: \nDie genannten Software-Funktionen sind keine Bankdienstleistungen und damit nicht direkt mit dem Geschäftsgirokonto verknüpft. Stattdessen werden diese Mehrwert-Dienste, von den Plattformen zusätzlich zum Konto angeboten oder sind sogar bereits in dessen Benutzeroberfläche integriert. Genau deshalb sind viele dieser Anbieter so attraktiv für Selbstständige – sie bündeln Banking und Organisation in einer Oberfläche. ",[1688],{"start":1689,"end":1429,"type":1399},10,{"type":1031,"text":1598,"spans":1691,"direction":1034},[],{"type":1615,"text":1693,"spans":1694,"direction":1034},"3. Mehrnutzer- und Unternehmensfunktionen ",[],{"type":1031,"text":1696,"spans":1697,"direction":1034},"Unternehmen, die einen oder mehrere Arbeitnehmer beschäftigen, benötigen für ihr Geschäftsgirokonto zusätzliche Funktionen, damit sie Zahlungsprozesse sicher und strukturiert gestalten können. Dazu gehören: ",[],{"type":1379,"text":1699,"spans":1700,"direction":1034},"Zugriffsrechte mehrere Nutzer mit individuellen Limits und Vollmachten, ",[],{"type":1379,"text":1702,"spans":1703,"direction":1034},"Mitarbeiter-Kreditkarten mit einstellbaren Limits, ",[],{"type":1379,"text":1705,"spans":1706,"direction":1034},"zweistufige Freigabeprozesse für Zahlungen, ",[],{"type":1379,"text":1708,"spans":1709,"direction":1034},"die Möglichkeit zur digitalen Abrechnung von Auslagen und Spesen, ",[],{"type":1379,"text":1711,"spans":1712,"direction":1034},"die Option, Team- oder Projektbudgets einzurichten und zu verwalten, ",[],{"type":1379,"text":1714,"spans":1715,"direction":1034},"eine rollenbasierte Aufgabentrennung (z. B. „Buchhaltung“ vs. „Zahlungsfreigabe“) ",[],{"type":1031,"text":1717,"spans":1718,"direction":1034},"Traditionelle Banken bieten solche Funktionen meist nur größeren Firmenkunden an, bei modernen Business-Banking-Plattformen stehen sie oft auch Solo-Selbstständigen und Kleinunternehmen zu Verfügung. ",[],{"type":1031,"text":1598,"spans":1720,"direction":1034},[],{"type":1375,"text":1722,"spans":1723,"direction":1034},"Sicherheit und Einlagensicherung ",[1724],{"start":1509,"end":1725,"type":1399},33,{"type":1031,"text":1727,"spans":1728,"direction":1034},"Alle Geschäftsgirokonten müssen dieselben regulatorischen Mindeststandards erfüllen, egal ob sie direkt bei einer Bank oder über eine Plattform geführt werden. ",[],{"type":1031,"text":1730,"spans":1731,"direction":1034},"Zu nennen sind insbesondere ",[],{"type":1379,"text":1733,"spans":1734,"direction":1034},"die gesetzliche Einlagensicherung von 100.000 Euro pro Unternehmen und Bank ",[1735],{"start":1736,"end":1429,"type":1399},38,{"type":1379,"text":1738,"spans":1739,"direction":1034},"eine starke Zwei-Faktor-Authentifizierung, um einen Missbrauch durch Unbefugte zu verhindern und ",[],{"type":1379,"text":1741,"spans":1742,"direction":1034},"eine verschlüsselte Datenübertragung. ",[],{"type":1031,"text":1744,"spans":1745,"direction":1034},"Plattformen arbeiten in der Regel mit lizenzierten Banken zusammen, die das Konto verwalten und absichern. Die Plattform selbst verwaltet keine Kundengelder, sondern stellt lediglich Software-Funktionen bereit. ",[1746],{"start":1432,"end":1747,"type":1399},156,{"type":1031,"text":1749,"spans":1750,"direction":1034},"Damit sind Business-Banking-Plattformen genau so sicher wie Banken – sie organisieren Banking nur digital anders. ",[],{"type":1031,"text":1598,"spans":1752,"direction":1034},[],{"type":1375,"text":1754,"spans":1755,"direction":1034},"Geschäftskonto – ein Begriff, aber mehrere Einsatzmöglichkeiten ",[],{"type":1031,"text":1757,"spans":1758,"direction":1034},"Geschäftskonto für Selbstständige und Freiberufler ",[1759],{"start":24,"end":1760,"type":1399},50,{"type":1031,"text":1762,"spans":1763,"direction":1034},"Während ein Geschäftsgirokonto für Kapitalgesellschaften vorgeschrieben ist, können Solo-Selbstständige und Freiberufler ihr Privatkonto auch für geschäftliche Transaktionen verwenden. Was aber viele Banken in ihren AGBs untersagen und das Konto dann auch kündigen können. Zu Beginn ihrer Geschäftstätigkeit machen viele Business-Neulinge von dieser Möglichkeit auch noch Gebrauch. Sowohl das Finanzamt als auch die meisten Banken bevorzugen allerdings die strikte Trennung der beiden Bereiche. ",[],{"type":1031,"text":1765,"spans":1766,"direction":1034},"Banken sehen es zudem gerne, wenn Kunden sowohl das private als auch das (aus Sicht der Geldhäuser) deutlich lukrativere Geschäftsgirokonto beim selben Anbieter führen. Zwingend ist eine solche Bündelung unter einem Dach allerdings nicht. Vielmehr sollten bei der Wahl des Geschäftsgirokontos ausschließlich harte Fakten entscheiden: Wer das beste Preises Leistungsverhältnis anbietet, bekommt den Zuschlag. Dabei ist es keineswegs erforderlich, ein Premiumangebot auszuwählen. Soloselbstständige und Freiberufler kommen oft mit einer überschaubaren Zahl von Funktionen aus. Viele Anbieter richten sich inzwischen gezielt an diese Zielgruppe und bieten einfache Tarife sowie eine integrierte Rechnungsstellung und eine automatische Steuerprognose. ",[],{"type":1031,"text":1768,"spans":1769,"direction":1034},"Geschäftskonto für Gewerbetreibende und Einzelunternehmen ",[1770],{"start":24,"end":1771,"type":1399},57,{"type":1031,"text":1773,"spans":1774,"direction":1034},"Gewerbetreibende – etwa Handwerksbetriebe oder Handelsunternehmen – müssen oft noch deutlich mehr Buchungen durchführen als Freiberufler oder Kleinunternehmer. Zahlungseingänge von Kunden, Überweisungen Lieferanten und wiederkehrende Zahlungen ergeben schnell zu einer beträchtlichen Zahl von Transaktionen. Für diese Unternehmen ist ein Geschäftskonto daher - – unabhängig von ihrer Rechtsform – ein Instrument, um die wirtschaftliche Tätigkeit zu vereinfachen und zu dokumentieren. ",[],{"type":1031,"text":1776,"spans":1777,"direction":1034},"Ein monatlicher Pauschalpreis – unabhängig von der Zahl der Buchungen – ist für diese Gruppe überlegenswert. Aber auch ein Konto, das pro Buchungsvorgang nur eine niedrige Gebühr verlangt, kann eine gute Wahl sein, solange nicht viele kleinere und größere Buchungsvorgänge absehbar sind. Neben dem Preis sollten die Service-Leistungen des Kontos aber auch in diesem Segment in die Entscheidung einfließen, um Lieferantenrechnungen, Materialeinkäufe professionell zu managen.  ",[],{"type":1031,"text":1779,"spans":1780,"direction":1034},"Idealerweise sollten Unternehmer bereits in der Gründungs- oder Startup-Phase ein Geschäftskonto wählen, das mit dem Unternehmen wachsen kann. Wer das versäumt hat, muss sich allerdings keine Sorgen machen, sondern kann jederzeit ein zweites Geschäftskonto eröffnen, das dann zum Hauptkonto wird. ",[],{"type":1031,"text":1782,"spans":1783,"direction":1034},"Geschäftskonto für Kapitalgesellschaften (GmbH, UG, gGmbH, GmbH & Co. KG) ",[1784],{"start":24,"end":1513,"type":1399},{"type":1031,"text":1786,"spans":1787,"direction":1034},"Unternehmen, die im Handelsregister eingetragen sind, brauchen oft nicht nur ein Geschäftsgirokonto, sondern auch einen Berater, der sie in wirtschaftlichen Fragen beraten und unterstützen kann. Auch, wenn es darum geht, bestimmte Fördermittel zu nutzen, ist ein professioneller Banker sehr hilfreich, um die Weichen von Anfang an richtig zu stellen.  ",[],{"type":1031,"text":1789,"spans":1790,"direction":1034},"Bei der Wahl des richtigen Kontos müssen Kaufleute daher eine Abwägung treffen: Sollen die monatlichen Kosten für das Geschäftskonto entscheiden oder ist die notwendigen Bankbegleitung einen gewissen Aufpreis wert? ",[],{"type":1031,"text":1792,"spans":1793,"direction":1034},"Welche Antwort hier die richtige ist, ist sehr individuell. Das gilt auch für die Frage, ob die Filialbank vor Ort oder eine große Geschäftsbank das Zeug zum langfristen Partner hat.  ",[],{"type":1031,"text":1795,"spans":1796,"direction":1034},"Geschäftskonto für Vereine und Organisationen ",[1797],{"start":24,"end":1798,"type":1399},45,{"type":1031,"text":1800,"spans":1801,"direction":1034},"Auch Vereine, Stiftungen und gemeinnützige Organisationen benötigen ein Geschäftsgirokonto, um Mitgliedsbeiträge, Spenden oder Fördermittel korrekt abzuwickeln. Transparenz spielt in diesem Umfeld eine zentrale Rolle. ",[],{"type":1031,"text":1803,"spans":1804,"direction":1034},"Als Auswahlkriterien sind hier vor allem der Preis und Zusatzleistungen relevant. Dies gilt umso mehr, als sich bei vielen Vereinen Ehrenamtliche um die finanziellen Belange kümmern. Um die Kosten insgesamt schlank zu halten, sollte daher auch das Geschäftskonto preiswert sein und nur diejenigen Zusatzleistungen bieten, die die Organisation tatsächlich braucht. ",[],{"type":1031,"text":1806,"spans":1807,"direction":1034},"Wichtig ist es in diesem Bereich vor allem, einen besonderen Schwerpunkt auf die Transparenz und Rechtezuordnungen zu legen, damit keine Gelder veruntreut werden können und alles offengelegt werden kann. Möglichst auf Knopfdruck. Hier wird oft am falschen Ende gespart.  ",[],{"type":1031,"text":1598,"spans":1809,"direction":1034},[],{"type":1375,"text":1811,"spans":1812,"direction":1034},"Zinssituation und Marktvergleich ",[],{"type":1031,"text":1814,"spans":1815,"direction":1034},"Geschäftskonten dienen primär dazu, Geschäftsvorgänge abzuwickeln. Aber auch den betrieblichen Ablauf zu erleichtern und die aktuellen, digitalen Möglichkeiten zu nutzen.  ",[],{"type":1031,"text":1817,"spans":1818,"direction":1034},"Dennoch existieren Unterschiede bei den unterschiedlichen Geschäftskonten: ",[],{"type":1379,"text":1820,"spans":1821,"direction":1034},"Guthabenzinsen vor allem bei regelmäßig hohem Guthaben auf dem Geschäftskonto sollten individuelle Absprachen getroffen werden oder ein attraktives Tagesgeldkonto, auch bei einer fremden Bank eröffnet werden.  ",[1822],{"start":24,"end":1823,"type":1399},14,{"type":1379,"text":1825,"spans":1826,"direction":1034},"Geschäfts- und Regionalbanken bieten selten Guthabenzinsen, sondern glänzen mehr durch zusätzliche Dienstleistungen und Beratungsstrukturen. ",[1827],{"start":24,"end":1828,"type":1399},30,{"type":1379,"text":1830,"spans":1831,"direction":1034},"Digitale Anbieter bieten gelegentlich befristete oder variable Verzinsungsmodelle für einzelne Guthabenbereiche. ",[1832],{"start":24,"end":1483,"type":1399},{"type":1379,"text":1834,"spans":1835,"direction":1034},"Kontokorrentkredit; Ist die Bezeichnung für eine vereinbarte Überziehung des Geschäftskontos – vergleichbar mit der Dispo beim Privatgiro. Diese werden auch je nach Bonitätseinschätzung festgelegt und nicht per Preisaushang wie beim Privatkunden. ",[1836],{"start":24,"end":1837,"type":1399},20,{"type":1031,"text":1839,"spans":1840,"direction":1034},"Tipp: Unternehmen mit größeren Liquiditätsreserven sollten unbedingt prüfen, ob und wann sich neben dem Geschäftsgirokonto auch Anlageprodukte lohnen. Zu bedenken ist dabei allerdings, dass für Unternehmen selten die gleichen Anlagebedingungen gelten wie für Privatkunden. Außerdem gab es in der jüngeren Vergangenheit eine wichtige Änderung. So ist die erweiterte Einlagensicherung pro Unternehmen und Bank seit 2025 auf 30 Millionen Euro begrenzt. Ab 2030 soll sich die maximale Einlagensicherung sogar auf zehn Millionen reduzieren.  ",[],{"type":1031,"text":1842,"spans":1843,"direction":1034},"Unternehmen, die größere Beträge anlegen wollen, müssen also sehr genau recherchieren, wie und wo sie ihre Liquiditätsreserven parken wollen. Unternehmer, die besonderen Wert auf Anlagesicherheit legen und dafür bereit sind, auf Spitzenrenditen zu verzichten, können zum Beispiel ",[],{"type":1379,"text":1845,"spans":1846,"direction":1034},"Tagesgeld für Geschäftskunden, ",[],{"type":1379,"text":1848,"spans":1849,"direction":1034},"kurzfristiges Festgeld, ",[],{"type":1379,"text":1851,"spans":1852,"direction":1034},"Geldmarktfonds oder ",[],{"type":1379,"text":1854,"spans":1855,"direction":1034},"Unternehmensanleihen mit geringer Restlaufzeit nutzen. ",[],{"type":1031,"text":1857,"spans":1858,"direction":1034},"Die Wahl hängt von der Liquiditätsplanung und den eigenen Präferenzen ab. ",[],"text_block$b7e68cda-eedf-4c36-9c27-abc40a9e88ad",{"variation":1369,"version":1370,"items":1861,"primary":1862,"id":1890,"slice_type":1891,"slice_label":5},[],{"heading":1863,"title":1864,"text":1865,"image":1878,"rounded_image":1348,"button_link":1886},"Von FMH-Finanzberatung und ntv ausgezeichnet","Die besten Geschäftskonten für kleinere Unternehmen 2026",[1866,1869,1872,1875],{"type":1031,"text":1867,"spans":1868,"direction":1034},"Welche Geschäftskonten wurden zuletzt ausgezeichnet?\n",[],{"type":1031,"text":1870,"spans":1871,"direction":1034},"Wer selbstständig arbeitet, profitiert von einem separaten Geschäftskonto: Es schafft Übersicht, erleichtert die Buchhaltung und erfüllt bei manchen Banken sogar eine vertragliche Pflicht. Die FMH-Finanzberatung hat im Auftrag von ntv Geschäftskonten von 6 Filialbanken 26 regionale Banken untersucht.",[],{"type":1031,"text":1873,"spans":1874,"direction":1034},"\nTop 3 - Anbieter (Filialbank) waren: Targobank, Postbank, Commerzbank",[],{"type":1031,"text":1876,"spans":1877,"direction":1034},"Top 3 - Anbieter (Regional) waren: Berliner Volksbank, Kreissparkasse Köln, Volksbank Dünnwald-Holweide",[],{"dimensions":1879,"alt":1882,"copyright":5,"url":1883,"id":1884,"edit":1885},{"width":1880,"height":1881},438,589,"Siegel Platzhalter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQDeQrpReVYa3wls_AuszeichnungSiegelPokal.png?auto=format,compress","aQDeQrpReVYa3wls",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1887,"url":1888,"target":52,"text":1889},"3d50f6be-ea35-4d8e-94cc-8841e03e3161","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-gesch-ftsgirokonten-ntv","Details zur Auswertung","award_box$82b2336e-9f49-4855-b3f5-dfe4be10c554","award_box",{"variation":1369,"version":1370,"items":1893,"primary":1894,"id":1918,"slice_type":1457,"slice_label":5},[],{"text":1895,"chart_alt":5},[1896,1899,1906,1909,1912,1915],{"type":1375,"text":1897,"spans":1898,"direction":1034},"Welches Geschäftskonto passt zu Ihnen? ",[],{"type":1031,"text":1900,"spans":1901,"direction":1034},"Welches Geschäftskontos das richtige für Ihr Unternehmen ist, hängt von zahlreichen Faktoren ab. Eine wichtige Rolle spielen neben der Rechtsform, auch die Größe Ihres Betriebs, Ihr Geschäftsmodell und Ihre Liquiditätsplanung Es gibt also nicht das eine beste Geschäftskonto – sondern nur das Konto, das perfekt zu Ihrer Unternehmensstruktur passt.  ",[1902],{"start":1903,"end":1904,"type":1905},249,253,"em",{"type":1379,"text":1907,"spans":1908,"direction":1034},"Wenn Sie Kleinunternehmen oder Soloselbstständiger primär digital arbeiten, profitieren Sie vermutlich von einem modernen Geschäftskonto mit integrierten Tools und niedrigen Gebühren.  ",[],{"type":1379,"text":1910,"spans":1911,"direction":1034},"Müssen Sie hingegen regelmäßig Bargeld bewegen oder legen Sie Wert auf persönlichen Kontakt, ist eine klassische Filialbank die bessere Wahl.  ",[],{"type":1379,"text":1913,"spans":1914,"direction":1034},"Größere Unternehmen mit zahlreichen Mitarbeitern haben nochmal andere Service- und Beratungsansprüche und werden vermutlich eher die Geschäftsbank und Bank vor Ort als idealen Bankpartner auswählen.  ",[],{"type":1379,"text":1916,"spans":1917,"direction":1034},"Geht es Ihnen vor allem darum, für Ihr Unternehmen den ideale Bankpartner zu finden, der Ihnen bei Kreditfragen hilft und Fördergelder beantragt, kommen Sie nicht umhin, mehrere Bankgespräche zu führen, um den Banker Ihres Vertrauens zu finden.  ",[],"text_block$f622f4ce-0a30-4842-bffd-40997beb2804",{"variation":1369,"version":1370,"items":1920,"primary":1921,"id":1968,"slice_type":67,"slice_label":5},[],{"title":1922,"center_title":45,"border":1348,"open_close_icon":1923,"max_width":1924,"list":1925},"Häufige Fragen (FAQs) zum Geschäftskonto","Caret","none",[1926,1932,1938,1944,1950,1956,1962],{"question":1927,"answer":1928},"Brauche ich als Selbstständiger ein Geschäftskonto?",[1929],{"type":1031,"text":1930,"spans":1931,"direction":1034},"Vorgeschrieben ist ein Geschäftskonto nur für bestimmte Gesellschaftsformen. Praktisch ist es aber fast immer sinnvoll, private und geschäftliche Finanztransaktionen zu trennen. Ein separates Konto verschafft Übersicht und vermeidet Probleme mit Finanzamt und Buchhaltung.",[],{"question":1933,"answer":1934},"Darf ich ein Privatkonto geschäftlich nutzen?",[1935],{"type":1031,"text":1936,"spans":1937,"direction":1034},"Jein. Freiberuflern und Soloselbstständigen ist dies zwar grundsätzlich erlaubt. Viele Banken verbieten ein solches Vorgehen aber in ihren AGB. ",[],{"question":1939,"answer":1940},"Was kostet ein Geschäftskonto?",[1941],{"type":1031,"text":1942,"spans":1943,"direction":1034},"Das hängt maßgeblich von den Leistungen ab. Allerdings variieren auch die Gebühren sehr deutlich. Die Bandbreite reicht von Gratisangebot bis hin zu Konten die mehr als 50 Euro pro Monat kosten – abhängig von Buchungsposten, Nutzeranzahl und Zusatzfunktionen. ",[],{"question":1945,"answer":1946},"Sind Geschäftskonten sicher?",[1947],{"type":1031,"text":1948,"spans":1949,"direction":1034},"Ja. Die gesetzliche Einlagensicherung schützt Guthaben bis 100.000 Euro pro Kunde und Bank. Etliche Banken bieten sogar noch höhere Sicherheiten bis zu 30 Millionen pro Kunde und Bank. ",[],{"question":1951,"answer":1952},"Können mehrere Nutzer auf das Konto zugreifen?",[1953],{"type":1031,"text":1954,"spans":1955,"direction":1034},"Ja. Rollen- und Rechteverwaltung ist ein typisches Merkmal moderner Geschäftskonten.",[],{"question":1957,"answer":1958},"Wie erfolgt die Kontoeröffnung?",[1959],{"type":1031,"text":1960,"spans":1961,"direction":1034},"In der Regel online oder in einer Filiale. 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",[],{"type":1031,"text":2497,"spans":2498,"direction":1034},"",[],{"type":1375,"text":2500,"spans":2501,"direction":1034},"Kartenzahlung kostet ",[],{"type":1031,"text":2503,"spans":2504,"direction":1034},"Für ein Restaurant ist die Kartenzahlung keine kostenlose Dienstleistung. Je nach Kartenart und Karteninstitut fallen unterschiedliche Gebühren für einzelne Zahlungen, Anteile am Rechnungsbetrag und Kosten für das Terminal an. Welche Karte der Gast verwendet, macht ebenfalls einen Unterschied: Eine Girocard ist für den Betrieb in der Regel günstiger als eine internationale Debit- oder Kreditkarte. ",[],{"type":1031,"text":2506,"spans":2507,"direction":1034},"Für Kunden lohnt sich ebenfalls ein Blick auf die verschiedenen Karten: Zum Girokonto gibt es je nach Bank unterschiedliche Karten, Gebühren und Möglichkeiten zum mobilen Bezahlen. Wer wissen möchte, welche Karte beim eigenen Konto enthalten ist und welche Alternativen es gibt, findet dies im Girokonto-Vergleich die passenden Angebote. ",[2508],{"start":2509,"end":2510,"type":1403,"data":2511},294,313,{"id":476,"type":107,"tags":2512,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"type":1031,"text":2514,"spans":2515,"direction":1034},"Gerade für kleine Läden und Betriebe können Gebühren und die Technik dennoch ein Grund sein, bei Bargeld zu bleiben. Dazu kommen eingespielte Abläufe oder die Sorge, bei einer Störung des Terminals nicht kassieren zu können. Aber auch die steuerliche Nachvollziehbarkeit der Umsätze kann ein Grund sein, Barzahlungen zu bevorzugen. Und ja: Manchmal ist das Gerät tatsächlich kaputt. Ob das immer so stimmt, können Gäste natürlich nicht beurteilen. Ärgerlich ist es immer dann, wenn man sich vorher im Internet schlau gemacht hat, dass Kartenzahlungen angeboten werden, diese jedoch dann nicht möglich sind. ",[],{"type":1031,"text":2497,"spans":2517,"direction":1034},[],{"type":1375,"text":2519,"spans":2520,"direction":1034},"Hilft das Handy, wenn keine Karte angenommen wird? ",[],{"type":1031,"text":2522,"spans":2523,"direction":1034},"Wer seine Karte mit Apple Pay oder Google Pay verknüpft hat, braucht die Bezahlkarte zum Bezahlen nicht mehr aus der Tasche zu holen. Im Restaurant löst das aber nur ein Problem: das Vergessen der Karte. Bezahlt wird weiterhin über die hinterlegte Karte. Dafür muss der Betrieb kontaktlose Zahlungen mit dieser Karte akzeptieren. Wo grundsätzlich keine Kartenzahlung möglich ist, hilft deshalb auch das Smartphone beim Versuch zu bezahlen am Terminal nicht weiter. ",[],{"type":1031,"text":2525,"spans":2526,"direction":1034}," Unser Tipp: Wenn Sie die richtige Karte für sich finden möchten, hilft Ihnen unser Kreditkarten-Vergleich bei der Auswahl. ",[2527],{"start":2528,"end":2529,"type":1403,"data":2530},84,106,{"id":512,"type":107,"tags":2531,"lang":13,"slug":110,"first_publication_date":514,"last_publication_date":515,"uid":516,"url":517,"link_type":43,"isBroken":45},[109],{"type":1031,"text":2533,"spans":2534,"direction":1034},"Bei PayPal funktioniert das Bezahlen vor Ort anders. Betriebe können beispielsweise einen PayPal-QR-Code anbieten, den Gäste mit dem Smartphone scannen. Dafür benötigen sie kein klassisches Kartenterminal. Kostenlos ist diese Lösung für den Betrieb allerdings ebenfalls nicht: PayPal berechnet Gebühren für geschäftliche Zahlungen per QR-Code. Und ohne ein entsprechendes Angebot des Restaurants lässt sich die Rechnung auch mit einer installierten PayPal-App nicht einfach auf diesem Weg begleichen. ",[],{"type":1031,"text":2536,"spans":2537,"direction":1034},"Das Smartphone eröffnet also zusätzliche Wege zum Bezahlen. Ob einer davon am Ende des Restaurantbesuchs funktioniert, entscheidet aber weiterhin das angebotene Zahlverfahren. ",[],{"type":1031,"text":2497,"spans":2539,"direction":1034},[],{"type":1375,"text":2541,"spans":2542,"direction":1034},"Muss bald jedes Restaurant Karten akzeptieren? ",[],{"type":1031,"text":2544,"spans":2545,"direction":1034},"Bislang müssen Restaurants und Geschäfte keine Kartenzahlung anbieten. Die Bundesregierung möchte das ändern: Beim Bezahlen im Alltag sollen grundsätzlich weiterhin Bargeld und zusätzlich mindestens eine digitale Zahlungsoption möglich sein. Nach dem von der Deutschen Presse-Agentur beschriebenen Vorhaben des Bundesfinanzministeriums soll eine Regelung 2027 umgesetzt werden. Beschlossen ist eine solche Pflicht bislang nicht. Auch wie sie genau aussehen und welche Ausnahmen es geben könnte, ist noch offen. ",[],{"type":1031,"text":2547,"spans":2548,"direction":1034},"Bargeld bleibt für viele Menschen wichtig, etwa weil sie ihre Ausgaben so besser im Blick behalten oder digitale Verfahren, einfach aus Gründen der Kunden-Transparenz, nicht nutzen möchten. 80 Prozent der von der Bundesbank Befragten halten es für wichtig, dass sie weiterhin bar bezahlen können. ",[],{"type":1031,"text":2550,"spans":2551,"direction":1034},"Ob bar, mit Karte oder per Handy: Am Ende des Restaurantbesuchs oder der Einkauf beim Bäcker sollte die Bezahlfrage keine Überraschung sein. Bis sich die Regeln ändern, hilft Gästen vor allem ein kurzer Blick auf die angebotenen Zahlungsmittel – möglichst, bevor sie bestellen, sofern das Kartenzahlungsgerät nicht doch mal wieder „kaputt“ ist.",[],"text_block$88390422-ed49-443d-9634-54f1e08d9eeb","Kartenzahlung nicht möglich? Gründe, Kosten und neue Regeln","Nur Bargeld im Restaurant? Warum Betriebe Kartenzahlung ablehnen, was Bargeld und Karten kosten und welche neuen Regeln geplant sind.",{"dimensions":2556,"alt":2470,"copyright":5,"url":2559,"id":2472,"edit":2560},{"width":2557,"height":2558},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FBERYGxHh11u_Msg9_FrauinorangefarbenemRollkragenpullover.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":2529,"zoom":25,"background":26},{"id":2562,"uid":2444,"url":2563,"type":319,"href":2564,"tags":2565,"first_publication_date":2566,"last_publication_date":2567,"slugs":2568,"linked_documents":2570,"lang":13,"alternate_languages":2571,"data":2572},"apqTQBIAACcA7zJt","\u002Fartikel\u002Fhausbank-award-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&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",[2569],"so-haben-wir-getestet",[],[],{"publication_date":2573,"last_edit_date":2573,"set_last_edit_date_today":45,"title":2574,"subtitle":2575,"breadcrumb_title":5,"topic":2576,"teaser":2579,"author":2583,"cover":2590,"cover_position":1362,"table_of_content":2596,"toc_calculator":1365,"toc_selection":2474,"carousel_topic_filter":2597,"slices":2600,"meta_title":2661,"meta_description":2662,"meta_image":2663,"meta_indexed":1348},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1331,"type":1332,"tags":2577,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2578,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2580],{"type":1031,"text":2581,"spans":2582,"direction":1034},"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":2584,"type":1354,"tags":2585,"lang":13,"slug":2586,"first_publication_date":2587,"last_publication_date":2588,"uid":2586,"link_type":43,"key":2589,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2591,"alt":2592,"copyright":5,"url":2593,"id":2594,"edit":2595},{"width":2018,"height":2019},"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":1331,"type":1332,"tags":2598,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2599,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2601],{"variation":1369,"version":1370,"items":2602,"primary":2603,"id":2660,"slice_type":1457,"slice_label":5},[],{"text":2604,"chart_alt":5},[2605,2608,2611,2614,2617,2620,2623,2626,2629,2632,2635,2638,2641,2648,2651,2654,2657],{"type":1031,"text":2606,"spans":2607,"direction":1034},"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":1031,"text":2609,"spans":2610,"direction":1034},"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":1031,"text":2612,"spans":2613,"direction":1034},"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":1031,"text":2615,"spans":2616,"direction":1034},"Warum gerade 196 Städte?",[],{"type":1031,"text":2618,"spans":2619,"direction":1034},"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":1375,"text":2621,"spans":2622,"direction":1034},"So haben wir getestet",[],{"type":1031,"text":2624,"spans":2625,"direction":1034},"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":1031,"text":2627,"spans":2628,"direction":1034},"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":1031,"text":2630,"spans":2631,"direction":1034},"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":1615,"text":2633,"spans":2634,"direction":1034},"Die passende Bank für jedes Alter",[],{"type":1031,"text":2636,"spans":2637,"direction":1034},"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":1031,"text":2639,"spans":2640,"direction":1034},"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":1031,"text":2642,"spans":2643,"direction":1034},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2644,2647],{"start":1546,"end":1401,"type":1403,"data":2645},{"link_type":49,"url":2646,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":1546,"end":1401,"type":1399},{"type":1615,"text":2649,"spans":2650,"direction":1034},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1031,"text":2652,"spans":2653,"direction":1034},"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":1031,"text":2655,"spans":2656,"direction":1034},"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":1031,"text":2658,"spans":2659,"direction":1034},"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":2664,"alt":2592,"copyright":5,"url":2665,"id":2594,"edit":2666},{"width":2557,"height":2558},"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":1651,"zoom":25,"background":26},{"id":523,"uid":528,"url":529,"type":319,"href":2668,"tags":2669,"first_publication_date":526,"last_publication_date":527,"slugs":2670,"linked_documents":2671,"lang":13,"alternate_languages":2672,"data":2673},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anHRkBEAACoAfJ9s%22%29+%5D%5D",[],[525],[],[],{"publication_date":2674,"last_edit_date":2674,"set_last_edit_date_today":45,"title":2675,"subtitle":5,"breadcrumb_title":5,"topic":2676,"teaser":2679,"author":2688,"cover":2691,"cover_position":1362,"table_of_content":2596,"toc_calculator":1365,"toc_selection":2474,"carousel_topic_filter":2698,"slices":2701,"meta_title":2842,"meta_description":2843,"meta_image":2844,"meta_indexed":1348},"2026-08-04","Die besten Girokonten für junge Erwachsene 2026",{"id":1331,"type":1332,"tags":2677,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2678,"isBroken":45},[],"856cb2e4-5036-486b-8dc0-6deb92cb6dd1",[2680],{"type":1031,"text":2681,"spans":2682,"direction":1034},"Mit dem ersten Gehalt, der Ausbildung oder dem Studium wird ein eigenes Girokonto unverzichtbar. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche untersucht, welche Girokonten für junge Erwachsene 2026 mit niedrigen Gebühren, attraktiven Zusatzleistungen und fairen Konditionen überzeugen.",[2683],{"start":2684,"end":2685,"type":1403,"data":2686},127,166,{"link_type":49,"url":2687,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-2026-das-ist-das-beste-girokonto-fuer-junge-erwachsene\u002F100238149.html",{"id":2461,"type":1354,"tags":2689,"lang":13,"slug":2463,"first_publication_date":2464,"last_publication_date":2464,"uid":2465,"link_type":43,"key":2690,"isBroken":45},[],"0d2d40c4-f63f-4046-9ed6-0857bd7ad574",{"dimensions":2692,"alt":2693,"copyright":2694,"url":2695,"id":2696,"edit":2697},{"width":2018,"height":2019},"Fröhliche Freunde, die auf der Stadtstraße Pizza essen","DavideAngelini, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FqC4kowPEO5sfLlcB_junge-erwachsene-essen-pizza.jpg?auto=format,compress","qC4kowPEO5sfLlcB",{"x":24,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":2699,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2700,"isBroken":45},[],"94ef951c-d168-46a8-ab82-3cfed6325df3",[2702],{"variation":1369,"version":1370,"items":2703,"primary":2704,"id":2841,"slice_type":1457,"slice_label":5},[],{"text":2705,"chart_alt":5},[2706,2709,2712,2715,2718,2729,2732,2735,2738,2741,2744,2747,2750,2753,2758,2763,2771,2774,2778,2782,2785,2790,2795,2800,2803,2806,2809,2812,2815,2818,2821,2824,2827,2835],{"type":1375,"text":2707,"spans":2708,"direction":1034},"Der richtige Zeitpunkt für das erste eigene Girokonto",[],{"type":1031,"text":2710,"spans":2711,"direction":1034},"Viele Jugendliche besitzen bereits vor ihrem 18. Geburtstag ein eigenes Konto. Spätestens mit dem Einstieg in Ausbildung, Studium oder Beruf wird ein Girokonto jedoch unverzichtbar. Gehaltseingänge, Mietzahlungen, Online-Einkäufe oder Reisen lassen sich ohne eigenes Konto kaum noch organisieren.",[],{"type":1031,"text":2713,"spans":2714,"direction":1034},"Während Kinder- und Jugendkonten meist auf grundlegende Zahlungsfunktionen beschränkt sind, erweitern sich ab der Volljährigkeit die Möglichkeiten. Kreditkarten, Dispokredite und weitere Zusatzleistungen gehören dann häufig zum Angebot.",[],{"type":1615,"text":2716,"spans":2717,"direction":1034},"Was wurde untersucht?",[],{"type":1031,"text":2719,"spans":2720,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche Girokonten für junge Erwachsene ab 18 Jahren analysiert.",[2721,2725],{"start":2722,"end":2723,"type":1403,"data":2724},4,22,{"link_type":49,"url":57,"target":52},{"start":1409,"end":2726,"type":1403,"data":2727},114,{"link_type":49,"url":2728,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-kostenlosen-girokonten-f-r-junge-erwachsene-wirtschaftswoche",{"type":1031,"text":2730,"spans":2731,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1379,"text":2733,"spans":2734,"direction":1034},"Kontoführungsgebühren",[],{"type":1379,"text":2736,"spans":2737,"direction":1034},"Gebühren für Debit- und Kreditkarten",[],{"type":1379,"text":2739,"spans":2740,"direction":1034},"Höhe des Dispozinses",[],{"type":1379,"text":2742,"spans":2743,"direction":1034},"Zusatzleistungen und Rabatte",[],{"type":1379,"text":2745,"spans":2746,"direction":1034},"Altersgrenzen der kostenlosen Kontoführung",[],{"type":1031,"text":2748,"spans":2749,"direction":1034},"Insgesamt erhielten vier Direktbanken sowie fünf Filialbanken die Bewertung „sehr gut“.",[],{"type":1375,"text":2751,"spans":2752,"direction":1034},"Die besten Direktbanken",[],{"type":1031,"text":2754,"spans":2755,"direction":1034},"Bei den Direktbanken belegt die Consorsbank den ersten Platz. Das Girokonto ist bis zum 30. Lebensjahr kostenlos und bietet gebührenfreie Debit- und Kreditkarten sowie kostenfreie Bargeldabhebungen weltweit.",[2756],{"start":1509,"end":2757,"type":1399},43,{"type":1031,"text":2759,"spans":2760,"direction":1034},"Auf Platz zwei folgt die C24 Bank. Das Konto ist dauerhaft kostenlos und überzeugt zusätzlich mit Guthabenverzinsung, Cashback sowie mehreren Unterkonten.",[2761],{"start":2762,"end":1725,"type":1399},25,{"type":1031,"text":2764,"spans":2765,"direction":1034},"Ebenfalls mit „sehr gut“ ausgezeichnet wurden die PSD Bank Rhein-Ruhr (Regionalbank mit überregionalen Angebot) und comdirect.",[2766,2768],{"start":1760,"end":2767,"type":1399},69,{"start":2769,"end":2770,"type":1399},116,125,{"type":1615,"text":2772,"spans":2773,"direction":1034},"Die besten Filialbanken",[],{"type":1031,"text":2775,"spans":2776,"direction":1034},"Unter den Filialbanken erreicht die BW-Bank den ersten Platz. Das Girokonto bleibt bis zum 29. Lebensjahr kostenlos und bietet weltweit gebührenfreie Bargeldabhebungen sowie eine kostenfreie Kreditkarte.",[2777],{"start":1420,"end":2757,"type":1399},{"type":1031,"text":2779,"spans":2780,"direction":1034},"Die BBBank folgt auf Platz zwei. Neben einer kostenfreien Kontoführung profitieren junge Erwachsene von einer attraktiven Startprämie.",[2781],{"start":2722,"end":1689,"type":1399},{"type":1031,"text":2783,"spans":2784,"direction":1034},"Weitere Institute mit der Bewertung „sehr gut“ sind:",[],{"type":1379,"text":2786,"spans":2787,"direction":1034},"Openbank (by Santander)",[2788],{"start":24,"end":2789,"type":1399},8,{"type":1379,"text":2791,"spans":2792,"direction":1034},"HypoVereinsbank",[2793],{"start":24,"end":2794,"type":1399},15,{"type":1379,"text":2796,"spans":2797,"direction":1034},"Commerzbank",[2798],{"start":24,"end":2799,"type":1399},11,{"type":1615,"text":2801,"spans":2802,"direction":1034},"Worauf junge Erwachsene achten sollten",[],{"type":1031,"text":2804,"spans":2805,"direction":1034},"Ein kostenloses Girokonto ist häufig nur ein Teil des Gesamtpakets. Ebenso wichtig sind:",[],{"type":1379,"text":2807,"spans":2808,"direction":1034},"kostenlose Debit- und Kreditkarten",[],{"type":1379,"text":2810,"spans":2811,"direction":1034},"niedrige Dispozinsen",[],{"type":1379,"text":2813,"spans":2814,"direction":1034},"kostenfreie Bargeldversorgung",[],{"type":1379,"text":2816,"spans":2817,"direction":1034},"attraktive Zusatzleistungen oder Startprämien",[],{"type":1379,"text":2819,"spans":2820,"direction":1034},"möglichst lange oder unbegrenzte kostenlose Kontoführung",[],{"type":1031,"text":2822,"spans":2823,"direction":1034},"Eine Verzinsung auf das Guthaben kann ein zusätzlicher Vorteil sein, spielt bei den meist geringen Kontoguthaben jedoch eine untergeordnete Rolle. Deutlich wichtiger sind dauerhaft niedrige Gebühren und ein Konto, das zur eigenen Lebenssituation passt.",[],{"type":1375,"text":2825,"spans":2826,"direction":1034},"Fazit: Ein Vergleich zahlt sich aus",[],{"type":1031,"text":2828,"spans":2829,"direction":1034},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche (Artikel vom 07.07.2026) zeigt, dass junge Erwachsene aus einer Vielzahl attraktiver Girokonten wählen können. Die Unterschiede liegen häufig nicht bei der Kontoführung selbst, sondern bei Kartengebühren, Zusatzleistungen und den Bedingungen nach Ablauf der Altersgrenze.",[2830,2832],{"start":2722,"end":1422,"type":1403,"data":2831},{"link_type":49,"url":2728,"target":52},{"start":2833,"end":2767,"type":1403,"data":2834},53,{"link_type":49,"url":2687,"target":52},{"type":1031,"text":2836,"spans":2837,"direction":1034},"Der FMH Girokonto-Vergleich hilft dabei, das passende Konto für Studium, Ausbildung oder den Berufseinstieg zu finden.",[2838],{"start":2722,"end":1469,"type":1403,"data":2839},{"id":476,"type":107,"tags":2840,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$9bb555ed-6d8d-46e1-b167-9e0d04e0f2fa","Beste Girokonten für junge Erwachsene 2026 | FMH","Die besten Girokonten für junge Erwachsene 2026 im FMH- und WirtschaftsWoche-Vergleich: kostenlose Konten, Karten, Prämien und Konditionen prüfen.",{"dimensions":2845,"alt":2693,"copyright":2694,"url":2846,"id":2696,"edit":2847},{"width":2557,"height":2558},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FqC4kowPEO5sfLlcB_junge-erwachsene-essen-pizza.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1651,"zoom":25,"background":26}]