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Es bietet Jugendlichen die Möglichkeit, den verantwortungsvollen Umgang mit Geld zu lernen, und Eltern gleichzeitig die Sicherheit, alle Transaktionen im Blick zu behalten.",[],{"id":1355,"type":1356,"tags":1357,"lang":13,"slug":1358,"first_publication_date":1359,"last_publication_date":1360,"uid":1361,"link_type":43,"key":1362,"isBroken":45},"aIc9vxEAACEAFoMr","author",[],"ania-scholz-orfanidis","2025-07-28T09:09:13+0000","2025-10-27T16:08:35+0000","ania-scholz","dc316896-f6d8-4952-bdee-da5a1935dc02",{},"Center",[1366],{"type":1031,"text":1367,"spans":1368,"direction":1034},"Ein Konto, das mitwächst. comdirect* bietet\nein kostenloses Konto, inkl. 25 € Prämie\nund 3,00 % p.a. aufs Tagesgeld.",[1369,1375],{"start":1370,"end":1371,"type":1372,"data":1373},26,36,"hyperlink",{"link_type":49,"url":1374,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C87087206T&subid=62",{"start":1370,"end":1371,"type":1376},"strong","kidsgiro-tipp-comdirect","Dekstop Only","-","h1, h2 + Slices",[1382,1479,1491,1684,1717,1755,1769],{"variation":1383,"version":1384,"items":1385,"primary":1386,"id":1477,"slice_type":1478,"slice_label":5},"default","initial",[],{"text":1387,"chart_alt":5},[1388,1391,1395,1402,1408,1414,1420,1426,1432,1458],{"type":1031,"text":1389,"spans":1390,"direction":1034},"Da Jugendkonten häufig kostenlos sind und trotzdem viele Funktionen eines regulären Girokontos bieten, lohnt sich ein genauer Vergleich. Schließlich sollen junge Kontoinhaber nicht nur bequem über ihr Geld verfügen können, sondern auch lernen, es klug zu verwalten.",[],{"type":1392,"text":1393,"spans":1394,"direction":1034},"heading2","Das Wichtigste in Kürze ",[],{"type":1396,"text":1397,"spans":1398,"direction":1034},"list-item","Kostenfrei: Jugendkonten sind in der Regel kostenlos und bieten viele Funktionen eines Girokontos. ",[1399],{"start":1400,"end":1401,"type":1376},43,52,{"type":1396,"text":1403,"spans":1404,"direction":1034},"Ohne Risiko: Eine Überziehung ist nicht möglich, wodurch Jugendliche den Umgang mit Geld risikofrei lernen. ",[1405],{"start":1406,"end":1407,"type":1376},18,47,{"type":1396,"text":1409,"spans":1410,"direction":1034},"Überblick: Eltern behalten die Kontrolle, können Limits setzen und Kontoaktivitäten einsehen. ",[1411],{"start":1412,"end":1413,"type":1376},17,40,{"type":1396,"text":1415,"spans":1416,"direction":1034},"Digital & Sicher: Jugendliche lernen mit Apps und Onlinebanking, ihre Finanzen selbst zu verwalten. ",[1417],{"start":1418,"end":1419,"type":1376},41,63,{"type":1396,"text":1421,"spans":1422,"direction":1034},"Zukunft: Ab dem 18. Geburtstag wird das Konto automatisch in ein Erwachsenenkonto umgewandelt.",[1423],{"start":1424,"end":1425,"type":1376},16,30,{"type":1427,"text":1428,"spans":1429,"direction":1034},"heading3","Für jeden das richtige Jugendkonto",[1430],{"start":24,"end":1431,"type":1376},34,{"type":1396,"text":1433,"spans":1434,"direction":1034},"Für junge Erwachsene mit Anspruch: Das Girokonto blauorange der Berliner Volksbank* ist kostenlos für alle unter 30 und bietet 1,25 % p.a. Guthabenzinsen sowie einen 300 € Neukundenbonus (bis 16.12.2026). Zwei Karten – girocard und Kreditkarte Gold – machen den Alltag im In- und Ausland bequem, sicher und flexibel.",[1435,1436,1439,1443,1446,1449,1452,1455],{"start":24,"end":1431,"type":1376},{"start":1437,"end":1438,"type":1376},39,83,{"start":1440,"end":1438,"type":1372,"data":1441},64,{"link_type":49,"url":1442,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C5353126023T&subid=fjdrJuKo",{"start":1444,"end":1445,"type":1376},88,115,{"start":1447,"end":1448,"type":1376},127,139,{"start":1450,"end":1451,"type":1376},166,186,{"start":1453,"end":1454,"type":1376},187,204,{"start":1456,"end":1457,"type":1376},219,248,{"type":1396,"text":1459,"spans":1460,"direction":1034},"Für Einsteiger, die finanzielle Freiheit entdecken wollen: Das PSD GiroKonto Start der PSD Bank Nord* ist komplett kostenfrei für alle unter 25. Inklusive girocard, digitaler Debitkarte und Mastercard Basic – ab 18 Jahren auch mit Mastercard Direct. Ideal für den unkomplizierten Einstieg ins Banking.",[1461,1463,1465,1470,1471,1474],{"start":24,"end":1462,"type":1376},58,{"start":1419,"end":1464,"type":1376},82,{"start":1466,"end":1467,"type":1372,"data":1468},87,101,{"link_type":49,"url":1469,"target":52},"https:\u002F\u002Fwww.psd-nord.de\u002Fkonto-karten\u002Fkontomodelle\u002Fpsd-girokonto-start.html",{"start":1466,"end":1467,"type":1376},{"start":1472,"end":1473,"type":1376},106,144,{"start":1475,"end":1476,"type":1376},190,206,"text_block$c65f72cc-c80c-4ae7-99b8-2c662a81e917","text_block",{"variation":1383,"version":1384,"items":1480,"primary":1481,"id":1490,"slice_type":1478,"slice_label":5},[],{"text":1482,"chart_alt":5},[1483],{"type":1031,"text":1484,"spans":1485,"direction":1034},"* Einige Links auf dieser Seite sind sogenannte Affiliate-Links.\nWenn Sie darüber ein Angebot nutzen, erhalten wir eine kleine Vergütung. Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1486,1487],{"start":24,"end":25,"type":1376},{"start":1488,"end":1489,"type":1376},138,172,"text_block$86c59c50-6358-429f-b3af-22ce53eb2ef1",{"variation":1383,"version":1384,"items":1492,"primary":1493,"id":1683,"slice_type":1478,"slice_label":5},[],{"text":1494,"chart_alt":5},[1495,1498,1501,1504,1507,1512,1515,1518,1521,1525,1530,1534,1542,1547,1549,1552,1555,1559,1562,1565,1568,1571,1576,1582,1584,1587,1590,1594,1599,1603,1608,1611,1613,1616,1619,1622,1625,1628,1631,1635,1637,1640,1643,1647,1652,1654,1657,1662,1666,1671,1675,1679],{"type":1392,"text":1496,"spans":1497,"direction":1034},"Warum ein Jugendkonto sinnvoll ist ",[],{"type":1031,"text":1499,"spans":1500,"direction":1034},"Früher war das Sparbuch der erste Kontakt mit Geld, heute ist es das Jugendkonto. Ab etwa sieben Jahren – mit Zustimmung der Eltern – können Kinder ihr erstes Konto eröffnen. Jugendliche ab 14 dürfen es meist schon eigenständig nutzen, immer im gesetzlich vorgegebenen Rahmen. ",[],{"type":1031,"text":1502,"spans":1503,"direction":1034},"Ein Jugendkonto vermittelt mehr als nur praktische Zahlungsfunktionen: Es stärkt den verantwortungsvollen Umgang mit Geld, hilft beim Planen von Ausgaben und zeigt, wie digitale Zahlungen funktionieren. ",[],{"type":1031,"text":1505,"spans":1506,"direction":1034},"Zudem profitieren Jugendliche von einem geschützten Umfeld: Überziehungen sind nicht möglich, und Eltern behalten bei Bedarf Einblick in alle Kontobewegungen. ",[],{"type":1031,"text":1508,"spans":1509,"direction":1034},"FMH-Tipp: Eltern sollten das Jugendkonto als Lerninstrument begreifen – idealerweise wird das Kind aktiv einbezogen, etwa beim Festlegen von Sparzielen oder beim Prüfen von Kontoauszügen. ",[1510],{"start":24,"end":1511,"type":1376},9,{"type":1031,"text":1513,"spans":1514,"direction":1034}," ",[],{"type":1392,"text":1516,"spans":1517,"direction":1034},"Funktionen eines Jugendkontos ",[],{"type":1031,"text":1519,"spans":1520,"direction":1034},"Ein Jugendkonto funktioniert grundsätzlich wie ein Girokonto, ist aber in mehreren Punkten speziell auf junge Kunden zugeschnitten: ",[],{"type":1031,"text":1522,"spans":1523,"direction":1034},"1. Kein Dispo, keine Schulden: \nEine Überziehung ist nicht möglich. Das schützt Jugendliche vor unbedachten Ausgaben und verhindert, dass sie frühzeitig in finanzielle Schwierigkeiten geraten. ",[1524],{"start":24,"end":1425,"type":1376},{"type":1031,"text":1526,"spans":1527,"direction":1034},"2. Kostenlose Kontoführung: \nNahezu alle Banken bieten Jugendkonten ohne monatliche Gebühren an. Achten sollten Eltern trotzdem auf mögliche Zusatzkosten – etwa für Abhebungen im Ausland oder für Ersatzkarten. ",[1528],{"start":24,"end":1529,"type":1376},27,{"type":1031,"text":1531,"spans":1532,"direction":1034},"3. Altersgerechte Nutzung: \nKinder unter 14 Jahren dürfen nur eingeschränkt über das Konto verfügen, meist verwalten die Eltern mit. Ab 14 Jahren können Jugendliche selbstständig Überweisungen tätigen und Onlinebanking nutzen. Mit Erreichen der Volljährigkeit wird das Konto in der Regel automatisch in ein Erwachsenenkonto umgewandelt. ",[1533],{"start":24,"end":1370,"type":1376},{"type":1031,"text":1535,"spans":1536,"direction":1034},"4. Bankkarte inklusive: \nStandard ist heute eine Debitkarte (z. B. girocard, Visa Debit oder Mastercard Debit). Sie ermöglicht bargeldloses und kontaktloses Bezahlen – aber nur, wenn genügend Guthaben vorhanden ist. ",[1537,1539],{"start":24,"end":1538,"type":1376},23,{"start":1540,"end":1541,"type":1376},49,59,{"type":1031,"text":1543,"spans":1544,"direction":1034},"5. Onlinebanking & Banking-Apps: \nViele Banken bieten intuitive Apps mit übersichtlicher Darstellung von Einnahmen, Ausgaben und Sparzielen. Eltern können über eigene Zugänge Limits setzen oder Benachrichtigungen erhalten, wenn größere Beträge abgebucht werden. ",[1545],{"start":24,"end":1546,"type":1376},32,{"type":1031,"text":1513,"spans":1548,"direction":1034},[],{"type":1392,"text":1550,"spans":1551,"direction":1034},"Kosten & Gebühren im Überblick ",[],{"type":1031,"text":1553,"spans":1554,"direction":1034},"Die gute Nachricht: Jugendkonten sind fast immer gebührenfrei. Dennoch lohnt es sich, das Preis-Leistungs-Verzeichnis der Bank genau zu prüfen. ",[],{"type":1031,"text":1556,"spans":1557,"direction":1034},"Typische Kostenpunkte können sein: ",[1558],{"start":24,"end":1431,"type":1376},{"type":1396,"text":1560,"spans":1561,"direction":1034},"Gebühren für Abhebungen an Fremdautomaten außerhalb des Bankverbunds ",[],{"type":1396,"text":1563,"spans":1564,"direction":1034},"Entgelte für Auslandseinsätze der Karte ",[],{"type":1396,"text":1566,"spans":1567,"direction":1034},"Kosten für papierhafte Kontoauszüge ",[],{"type":1396,"text":1569,"spans":1570,"direction":1034},"Gebühren nach dem 18. Geburtstag, wenn das Konto nicht umgestellt wird ",[],{"type":1031,"text":1572,"spans":1573,"direction":1034},"FMH-Empfehlung: Eltern sollten darauf achten, dass das Konto auch nach der Volljährigkeit weiterhin gebührenfrei bleibt oder rechtzeitig ein Wechsel auf ein günstiges Erwachsenenkonto erfolgt. ",[1574],{"start":24,"end":1575,"type":1376},15,{"type":1031,"text":1577,"spans":1578,"direction":1034},"👉 Tipp: Im FMH-Vergleich lässt sich schnell erkennen, welche Banken kostenlose Jugendkonten ohne versteckte Zusatzkosten anbieten. ",[1579],{"start":1580,"end":1581,"type":1376},3,8,{"type":1031,"text":1513,"spans":1583,"direction":1034},[],{"type":1392,"text":1585,"spans":1586,"direction":1034},"Sicherheit & gesetzliche Regelungen ",[],{"type":1031,"text":1588,"spans":1589,"direction":1034},"Auch beim Jugendkonto gilt: Sicherheit steht an erster Stelle. ",[],{"type":1396,"text":1591,"spans":1592,"direction":1034},"Einlagensicherung: Guthaben sind bis zu 100.000 Euro pro Kunde und Bank gesetzlich abgesichert. ",[1593],{"start":24,"end":1406,"type":1376},{"type":1396,"text":1595,"spans":1596,"direction":1034},"Keine Haftung bei Missbrauch: Im Falle unautorisierter Abbuchungen haftet in der Regel die Bank, solange kein grob fahrlässiges Verhalten vorliegt. ",[1597],{"start":24,"end":1598,"type":1376},29,{"type":1396,"text":1600,"spans":1601,"direction":1034},"Zwei-Faktor-Authentifizierung: Moderne TAN- oder App-Verfahren schützen das Konto zusätzlich. ",[1602],{"start":24,"end":1425,"type":1376},{"type":1396,"text":1604,"spans":1605,"direction":1034},"Elterliche Zustimmung: Bis zur Volljährigkeit müssen die Erziehungsberechtigten der Kontoeröffnung zustimmen. ",[1606],{"start":24,"end":1607,"type":1376},22,{"type":1031,"text":1609,"spans":1610,"direction":1034},"Gerade Onlinebanking erfordert Vertrauen. Jugendliche sollten wissen, dass sie keine Zugangsdaten weitergeben und keine Links aus unbekannten E-Mails anklicken dürfen. Viele Banken bieten dazu altersgerechte Informationsmaterialien an. ",[],{"type":1031,"text":1513,"spans":1612,"direction":1034},[],{"type":1392,"text":1614,"spans":1615,"direction":1034},"Übergang zum Erwachsenenkonto ",[],{"type":1031,"text":1617,"spans":1618,"direction":1034},"Mit dem 18. Geburtstag wird das Jugendkonto in ein reguläres Girokonto umgewandelt. Dabei ändern sich meist: ",[],{"type":1396,"text":1620,"spans":1621,"direction":1034},"die Gebührenstruktur, ",[],{"type":1396,"text":1623,"spans":1624,"direction":1034},"der Leistungsumfang (z. B. mögliche Kontoüberziehung), ",[],{"type":1396,"text":1626,"spans":1627,"direction":1034},"und die alleinige Verantwortung des Kontoinhabers. ",[],{"type":1031,"text":1629,"spans":1630,"direction":1034},"Jugendliche sollten frühzeitig prüfen, ob das Konto nach der Volljährigkeit noch zu ihnen passt. Wer zu einer anderen Bank wechselt, kann vom kostenlosen Kontowechselservice profitieren – die neue Bank überträgt dabei automatisch alle bestehenden Buchungen und Daueraufträge. ",[],{"type":1031,"text":1632,"spans":1633,"direction":1034},"FMH-Tipp: Viele Banken werben mit Bonusaktionen, wenn junge Erwachsene nach der Volljährigkeit ein reguläres Konto eröffnen. Prämien sind attraktiv, aber nicht entscheidend – wichtiger bleiben die langfristigen Konditionen. ",[1634],{"start":24,"end":1511,"type":1376},{"type":1031,"text":1513,"spans":1636,"direction":1034},[],{"type":1392,"text":1638,"spans":1639,"direction":1034},"Digitale Trends bei Jugendkonten ",[],{"type":1031,"text":1641,"spans":1642,"direction":1034},"Die Generation Z ist mit Smartphones aufgewachsen – das spiegelt sich auch beim Banking wider. ",[],{"type":1396,"text":1644,"spans":1645,"direction":1034},"Mobile Payment: Bezahlen per Smartphone oder Smartwatch wird bei Jugendlichen immer beliebter. Apple Pay, Google Pay oder eigene Bank-Apps machen das möglich. ",[1646],{"start":24,"end":1575,"type":1376},{"type":1396,"text":1648,"spans":1649,"direction":1034},"Lern-Apps: Einige Banken integrieren Lernfunktionen in ihre Apps – z. B. Budgetpläne, Sparziele oder grafische Auswertungen. ",[1650],{"start":24,"end":1651,"type":1376},10,{"type":1031,"text":1513,"spans":1653,"direction":1034},[],{"type":1392,"text":1655,"spans":1656,"direction":1034},"Worauf Eltern und Jugendliche beim Vergleich achten sollten ",[],{"type":1658,"text":1659,"spans":1660,"direction":1034},"o-list-item","Kostenfreiheit: Keine Grundgebühr, keine versteckten Nebenkosten. ",[1661],{"start":24,"end":1575,"type":1376},{"type":1658,"text":1663,"spans":1664,"direction":1034},"Altersgerechte Ausstattung: Debitkarte ja, Dispo nein. ",[1665],{"start":24,"end":1529,"type":1376},{"type":1658,"text":1667,"spans":1668,"direction":1034},"Sicherheit: Zwei-Faktor-Authentifizierung, Einlagensicherung, transparente App-Funktionen. ",[1669],{"start":24,"end":1670,"type":1376},11,{"type":1658,"text":1672,"spans":1673,"direction":1034},"Onlinezugang & App-Komfort: Klare Übersicht, Push-Nachrichten und elterliche Mitkontrolle sind ideal. ",[1674],{"start":24,"end":1529,"type":1376},{"type":1658,"text":1676,"spans":1677,"direction":1034},"Gute Umstellung auf das Erwachsenenkonto: Reibungsloser Übergang ohne Gebührenfalle. ",[1678],{"start":24,"end":1418,"type":1376},{"type":1031,"text":1680,"spans":1681,"direction":1034},"FMH.de-Empfehlung: \nEltern sollten das Konto gemeinsam mit ihrem Kind auswählen und die Konditionen regelmäßig prüfen. Ein Wechsel ist jederzeit möglich – oft ohne großen Aufwand und mit echtem Sparpotenzial. ",[1682],{"start":24,"end":1406,"type":1376},"text_block$bda9ffa9-4c75-4d31-aaf3-8aa43163ef89",{"variation":1383,"version":1384,"items":1685,"primary":1686,"id":1715,"slice_type":1716,"slice_label":5},[],{"heading":1687,"title":1688,"text":1689,"image":1702,"rounded_image":1348,"button_link":1711},"Von FMH-Finanzberatung und WirtschaftsWoche ausgezeichnet","Die besten kostenlosen Girokonten ab 18 Jahre",[1690,1693,1696,1699],{"type":1031,"text":1691,"spans":1692,"direction":1034},"Welche Girokonten für junge Erwachsene wurden zuletzt ausgezeichnet?",[],{"type":1031,"text":1694,"spans":1695,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag von der WirtschaftsWoche analysiert, welche Girokonten für junge Erwachsene ab 18 Jahren 2026 die besten Konditionen bieten. 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Bargeld, bitte! Warum Kartenzahlung in Deutschland noch immer nicht überall funktioniert",{"id":1331,"type":1332,"tags":2138,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2139,"isBroken":45},[],"238f288f-c3de-41c3-8b5d-c5d9a10bf23d",[2141],{"type":1031,"text":2142,"spans":2143,"direction":1034},"Das Essen ist vorbei, die Rechnung kommt – und plötzlich ist das Kartengerät „kaputt“. Warum manche Restaurants und Geschäfte keine Karten annehmen, was sie das Bezahlen tatsächlich kostet und ob sich die Regeln bald ändern.",[],{"id":2145,"type":1356,"tags":2146,"lang":13,"slug":2147,"first_publication_date":2148,"last_publication_date":2148,"uid":2149,"link_type":43,"key":2150,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","1c9935dd-4ec6-4ac6-846c-189825710074",{"dimensions":2152,"alt":2154,"copyright":5,"url":2155,"id":2156,"edit":2157},{"width":2153,"height":1791},1500,"Frau in orangefarbenem Rollkragenpullover hält eine graue Karte vor violettem Hintergrund","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FBERYGxHh11u_Msg9_FrauinorangefarbenemRollkragenpullover.jpg?auto=format,compress","BERYGxHh11u_Msg9",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"id":1331,"type":1332,"tags":2160,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2161,"isBroken":45},[],"f6e7dbd2-11ce-48c6-82a1-72bafb3c6606",[2163],{"variation":1383,"version":1384,"items":2164,"primary":2165,"id":2236,"slice_type":1478,"slice_label":5},[],{"text":2166,"chart_alt":5},[2167,2170,2178,2181,2184,2187,2190,2198,2201,2203,2206,2209,2216,2219,2222,2224,2227,2230,2233],{"type":1031,"text":2168,"spans":2169,"direction":1034},"Ein schöner Abend im Restaurant. Das Essen war sehr gut, die Rechnung ist da. Doch als Sie Ihre Karte zücken, sagt die Bedienung: „Heute nur in bar.“ Jetzt können Sie nur hoffen, dass der nächste Geldautomat in der Nähe ist. ",[],{"type":1031,"text":2171,"spans":2172,"direction":1034},"Solche Situationen wirken wie aus der Zeit gefallen. Schließlich bezahlen die Menschen in Deutschland inzwischen häufiger bargeldlos als mit Scheinen und Münzen. Laut Bundesbank wurden 2025 bereits 55 Prozent der erfassten Einkäufe ohne Bargeld beglichen. Trotzdem war bei rund 10 Prozent der aufgezeichneten Käufe vor Ort keine bargeldlose Zahlung möglich. ",[2173],{"start":2174,"end":2175,"type":1372,"data":2176},167,177,{"link_type":49,"url":2177,"target":52},"https:\u002F\u002Fwww.bundesbank.de\u002Fde\u002Fpresse\u002Fpressemitteilungen\u002Fzahlungsverhalten-in-deutschland-2025-964736",{"type":1031,"text":2179,"spans":2180,"direction":1034},"Warum hält sich „nur Bargeld“, vor allem in Deutschland, so hartnäckig? ",[],{"type":1031,"text":2182,"spans":2183,"direction":1034},"",[],{"type":1392,"text":2185,"spans":2186,"direction":1034},"Kartenzahlung kostet ",[],{"type":1031,"text":2188,"spans":2189,"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":2191,"spans":2192,"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. ",[2193],{"start":2194,"end":2195,"type":1372,"data":2196},294,313,{"id":476,"type":107,"tags":2197,"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":2199,"spans":2200,"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":2182,"spans":2202,"direction":1034},[],{"type":1392,"text":2204,"spans":2205,"direction":1034},"Hilft das Handy, wenn keine Karte angenommen wird? ",[],{"type":1031,"text":2207,"spans":2208,"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":2210,"spans":2211,"direction":1034}," Unser Tipp: Wenn Sie die richtige Karte für sich finden möchten, hilft Ihnen unser Kreditkarten-Vergleich bei der Auswahl. ",[2212],{"start":2213,"end":1472,"type":1372,"data":2214},84,{"id":512,"type":107,"tags":2215,"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":2217,"spans":2218,"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":2220,"spans":2221,"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":2182,"spans":2223,"direction":1034},[],{"type":1392,"text":2225,"spans":2226,"direction":1034},"Muss bald jedes Restaurant Karten akzeptieren? ",[],{"type":1031,"text":2228,"spans":2229,"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":2231,"spans":2232,"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":2234,"spans":2235,"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":2240,"alt":2154,"copyright":5,"url":2243,"id":2156,"edit":2244},{"width":2241,"height":2242},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":1472,"zoom":25,"background":26},{"id":2246,"uid":2127,"url":2247,"type":319,"href":2248,"tags":2249,"first_publication_date":2250,"last_publication_date":2251,"slugs":2252,"linked_documents":2254,"lang":13,"alternate_languages":2255,"data":2256},"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",[2253],"so-haben-wir-getestet",[],[],{"publication_date":2257,"last_edit_date":2257,"set_last_edit_date_today":45,"title":2258,"subtitle":2259,"breadcrumb_title":5,"topic":2260,"teaser":2263,"author":2267,"cover":2274,"cover_position":1364,"table_of_content":2280,"toc_calculator":1379,"toc_selection":2158,"carousel_topic_filter":2281,"slices":2284,"meta_title":2346,"meta_description":2347,"meta_image":2348,"meta_indexed":1348},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1331,"type":1332,"tags":2261,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2262,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2264],{"type":1031,"text":2265,"spans":2266,"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":2268,"type":1356,"tags":2269,"lang":13,"slug":2270,"first_publication_date":2271,"last_publication_date":2272,"uid":2270,"link_type":43,"key":2273,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2275,"alt":2276,"copyright":5,"url":2277,"id":2278,"edit":2279},{"width":1818,"height":1819},"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":2282,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2283,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2285],{"variation":1383,"version":1384,"items":2286,"primary":2287,"id":2345,"slice_type":1478,"slice_label":5},[],{"text":2288,"chart_alt":5},[2289,2292,2295,2298,2301,2304,2307,2310,2313,2316,2319,2322,2325,2333,2336,2339,2342],{"type":1031,"text":2290,"spans":2291,"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":2293,"spans":2294,"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":2296,"spans":2297,"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":2299,"spans":2300,"direction":1034},"Warum gerade 196 Städte?",[],{"type":1031,"text":2302,"spans":2303,"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":1392,"text":2305,"spans":2306,"direction":1034},"So haben wir getestet",[],{"type":1031,"text":2308,"spans":2309,"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":2311,"spans":2312,"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":2314,"spans":2315,"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":1427,"text":2317,"spans":2318,"direction":1034},"Die passende Bank für jedes Alter",[],{"type":1031,"text":2320,"spans":2321,"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":2323,"spans":2324,"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":2326,"spans":2327,"direction":1034},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2328,2332],{"start":1407,"end":2329,"type":1372,"data":2330},51,{"link_type":49,"url":2331,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":1407,"end":2329,"type":1376},{"type":1427,"text":2334,"spans":2335,"direction":1034},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1031,"text":2337,"spans":2338,"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":2340,"spans":2341,"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":2343,"spans":2344,"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":2349,"alt":2276,"copyright":5,"url":2350,"id":2278,"edit":2351},{"width":2241,"height":2242},"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":2352,"zoom":25,"background":26},85,{"id":523,"uid":528,"url":529,"type":319,"href":2354,"tags":2355,"first_publication_date":526,"last_publication_date":527,"slugs":2356,"linked_documents":2357,"lang":13,"alternate_languages":2358,"data":2359},"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":2360,"last_edit_date":2360,"set_last_edit_date_today":45,"title":2361,"subtitle":5,"breadcrumb_title":5,"topic":2362,"teaser":2365,"author":2372,"cover":2375,"cover_position":1364,"table_of_content":2280,"toc_calculator":1379,"toc_selection":2158,"carousel_topic_filter":2382,"slices":2385,"meta_title":2524,"meta_description":2525,"meta_image":2526,"meta_indexed":1348},"2026-08-04","Die besten Girokonten für junge Erwachsene 2026",{"id":1331,"type":1332,"tags":2363,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2364,"isBroken":45},[],"856cb2e4-5036-486b-8dc0-6deb92cb6dd1",[2366],{"type":1031,"text":2367,"spans":2368,"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.",[2369],{"start":1447,"end":1450,"type":1372,"data":2370},{"link_type":49,"url":2371,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-2026-das-ist-das-beste-girokonto-fuer-junge-erwachsene\u002F100238149.html",{"id":2145,"type":1356,"tags":2373,"lang":13,"slug":2147,"first_publication_date":2148,"last_publication_date":2148,"uid":2149,"link_type":43,"key":2374,"isBroken":45},[],"0d2d40c4-f63f-4046-9ed6-0857bd7ad574",{"dimensions":2376,"alt":2377,"copyright":2378,"url":2379,"id":2380,"edit":2381},{"width":1818,"height":1819},"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":2383,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2384,"isBroken":45},[],"94ef951c-d168-46a8-ab82-3cfed6325df3",[2386],{"variation":1383,"version":1384,"items":2387,"primary":2388,"id":2523,"slice_type":1478,"slice_label":5},[],{"text":2389,"chart_alt":5},[2390,2393,2396,2399,2402,2412,2415,2418,2421,2424,2427,2430,2433,2436,2440,2446,2455,2458,2462,2466,2469,2473,2477,2481,2484,2487,2490,2493,2496,2499,2502,2505,2508,2517],{"type":1392,"text":2391,"spans":2392,"direction":1034},"Der richtige Zeitpunkt für das erste eigene Girokonto",[],{"type":1031,"text":2394,"spans":2395,"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":2397,"spans":2398,"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":1427,"text":2400,"spans":2401,"direction":1034},"Was wurde untersucht?",[],{"type":1031,"text":2403,"spans":2404,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche Girokonten für junge Erwachsene ab 18 Jahren analysiert.",[2405,2408],{"start":2406,"end":1607,"type":1372,"data":2407},4,{"link_type":49,"url":57,"target":52},{"start":2409,"end":2410,"type":1372,"data":2411},104,114,{"link_type":49,"url":1713,"target":52},{"type":1031,"text":2413,"spans":2414,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1396,"text":2416,"spans":2417,"direction":1034},"Kontoführungsgebühren",[],{"type":1396,"text":2419,"spans":2420,"direction":1034},"Gebühren für Debit- und Kreditkarten",[],{"type":1396,"text":2422,"spans":2423,"direction":1034},"Höhe des Dispozinses",[],{"type":1396,"text":2425,"spans":2426,"direction":1034},"Zusatzleistungen und Rabatte",[],{"type":1396,"text":2428,"spans":2429,"direction":1034},"Altersgrenzen der kostenlosen Kontoführung",[],{"type":1031,"text":2431,"spans":2432,"direction":1034},"Insgesamt erhielten vier Direktbanken sowie fünf Filialbanken die Bewertung „sehr gut“.",[],{"type":1392,"text":2434,"spans":2435,"direction":1034},"Die besten Direktbanken",[],{"type":1031,"text":2437,"spans":2438,"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.",[2439],{"start":1546,"end":1400,"type":1376},{"type":1031,"text":2441,"spans":2442,"direction":1034},"Auf Platz zwei folgt die C24 Bank. Das Konto ist dauerhaft kostenlos und überzeugt zusätzlich mit Guthabenverzinsung, Cashback sowie mehreren Unterkonten.",[2443],{"start":2444,"end":2445,"type":1376},25,33,{"type":1031,"text":2447,"spans":2448,"direction":1034},"Ebenfalls mit „sehr gut“ ausgezeichnet wurden die PSD Bank Rhein-Ruhr (Regionalbank mit überregionalen Angebot) und comdirect.",[2449,2452],{"start":2450,"end":2451,"type":1376},50,69,{"start":2453,"end":2454,"type":1376},116,125,{"type":1427,"text":2456,"spans":2457,"direction":1034},"Die besten Filialbanken",[],{"type":1031,"text":2459,"spans":2460,"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.",[2461],{"start":1371,"end":1400,"type":1376},{"type":1031,"text":2463,"spans":2464,"direction":1034},"Die BBBank folgt auf Platz zwei. Neben einer kostenfreien Kontoführung profitieren junge Erwachsene von einer attraktiven Startprämie.",[2465],{"start":2406,"end":1651,"type":1376},{"type":1031,"text":2467,"spans":2468,"direction":1034},"Weitere Institute mit der Bewertung „sehr gut“ sind:",[],{"type":1396,"text":2470,"spans":2471,"direction":1034},"Openbank (by Santander)",[2472],{"start":24,"end":1581,"type":1376},{"type":1396,"text":2474,"spans":2475,"direction":1034},"HypoVereinsbank",[2476],{"start":24,"end":1575,"type":1376},{"type":1396,"text":2478,"spans":2479,"direction":1034},"Commerzbank",[2480],{"start":24,"end":1670,"type":1376},{"type":1427,"text":2482,"spans":2483,"direction":1034},"Worauf junge Erwachsene achten sollten",[],{"type":1031,"text":2485,"spans":2486,"direction":1034},"Ein kostenloses Girokonto ist häufig nur ein Teil des Gesamtpakets. Ebenso wichtig sind:",[],{"type":1396,"text":2488,"spans":2489,"direction":1034},"kostenlose Debit- und Kreditkarten",[],{"type":1396,"text":2491,"spans":2492,"direction":1034},"niedrige Dispozinsen",[],{"type":1396,"text":2494,"spans":2495,"direction":1034},"kostenfreie Bargeldversorgung",[],{"type":1396,"text":2497,"spans":2498,"direction":1034},"attraktive Zusatzleistungen oder Startprämien",[],{"type":1396,"text":2500,"spans":2501,"direction":1034},"möglichst lange oder unbegrenzte kostenlose Kontoführung",[],{"type":1031,"text":2503,"spans":2504,"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":1392,"text":2506,"spans":2507,"direction":1034},"Fazit: Ein Vergleich zahlt sich aus",[],{"type":1031,"text":2509,"spans":2510,"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.",[2511,2514],{"start":2406,"end":2512,"type":1372,"data":2513},37,{"link_type":49,"url":1713,"target":52},{"start":2515,"end":2451,"type":1372,"data":2516},53,{"link_type":49,"url":2371,"target":52},{"type":1031,"text":2518,"spans":2519,"direction":1034},"Der FMH Girokonto-Vergleich hilft dabei, das passende Konto für Studium, Ausbildung oder den Berufseinstieg zu finden.",[2520],{"start":2406,"end":1529,"type":1372,"data":2521},{"id":476,"type":107,"tags":2522,"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":2527,"alt":2377,"copyright":2378,"url":2528,"id":2380,"edit":2529},{"width":2241,"height":2242},"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":2352,"zoom":25,"background":26}]