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Bei Charge-Kreditkarten zahlen Sie den Gesamtbetrag meist einmal im Monat, bei Revolving-Kreditkarten ist auch eine Teilzahlung in Raten möglich.",[1395],{"start":24,"end":1396,"type":1375},46,{"type":1392,"text":1398,"spans":1399,"direction":1034},"Visa, Mastercard oder American Express: Die meisten Kreditkarten in Deutschland nutzen Visa oder Mastercard. American Express ist ebenfalls verfügbar, wird aber nicht überall akzeptiert.",[1400],{"start":24,"end":1401,"type":1375},39,{"type":1392,"text":1403,"spans":1404,"direction":1034},"Debitkarten belasten das Konto direkt: Bei einer Debitkarte werden Zahlungen in der Regel direkt oder zeitnah vom verknüpften Girokonto abgebucht. Ein separater Kreditrahmen besteht nicht.",[1405],{"start":24,"end":1406,"type":1375},38,{"type":1392,"text":1408,"spans":1409,"direction":1034},"Versicherungen sind nicht immer enthalten: Je nach Kreditkarte können Zusatzleistungen wie Reiseversicherungen enthalten sein. Andere Karten verzichten auf solche Extras und sind dafür häufig günstiger.",[1410],{"start":24,"end":1411,"type":1375},42,{"type":1392,"text":1413,"spans":1414,"direction":1034},"Kreditkarten mit oder ohne Girokonto: Einige Kreditkarten sind an ein Girokonto beim jeweiligen Anbieter gebunden. Andere können unabhängig von Ihrem bestehenden Girokonto genutzt werden.",[1415],{"start":24,"end":1416,"type":1375},37,"text_block$9a050284-da36-4610-8945-2a2ab779b689","text_block",{"variation":1382,"version":1383,"items":1420,"primary":1421,"id":1449,"slice_type":1418,"slice_label":5},[],{"text":1422,"chart_alt":5},[1423,1426,1439,1444],{"type":1388,"text":1424,"spans":1425,"direction":1034},"Für jeden die richtige Kreditkarte",[],{"type":1392,"text":1427,"spans":1428,"direction":1034},"Für Shopping-Fans: Die easybank Visa Card* kommt ohne Jahresgebühr aus und bietet flexible Rückzahlungsoptionen sowie eine moderne App - 60 € Startbonus inklusive.",[1429,1431,1435,1436],{"start":24,"end":1430,"type":1375},18,{"start":1432,"end":1411,"type":1370,"data":1433},23,{"link_type":49,"url":1434,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C14313531T&subid=fjdrK",{"start":1432,"end":1411,"type":1375},{"start":1437,"end":1438,"type":1375},137,152,{"type":1392,"text":1440,"spans":1441,"direction":1034},"Für Punkte-Sammler: Mit der Amazon Visa Card sammeln Sie bei Kartenumsätzen Punkte. Die Karte ist ohne Jahresgebühr erhältlich und ermöglicht auch Ratenzahlung.",[1442],{"start":24,"end":1443,"type":1375},19,{"type":1392,"text":1445,"spans":1446,"direction":1034},"Für Vielreisende: Die Special Visa-\u002FMastercard Gold der BW-Bank bietet umfangreiche Reiseversicherungen und hohe Versicherungssummen.",[1447],{"start":24,"end":1448,"type":1375},17,"text_block$0c31e46d-cdfd-4b85-9ce1-523e97b6f279",{"variation":1382,"version":1383,"items":1451,"primary":1452,"id":1453,"slice_type":1454,"slice_label":5},[],{"type":519},"calculator_embed$ec5c74d1-dbf2-4f9a-ad97-61b5cd3cfd58","calculator_embed",{"variation":1382,"version":1383,"items":1456,"primary":1457,"id":1466,"slice_type":1418,"slice_label":5},[],{"text":1458,"chart_alt":5},[1459],{"type":1031,"text":1460,"spans":1461,"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.",[1462,1463],{"start":24,"end":25,"type":1375},{"start":1464,"end":1465,"type":1375},138,172,"text_block$623a7216-ff2b-4471-bb53-6b8d618ba957",{"variation":1382,"version":1383,"items":1468,"primary":1469,"id":1503,"slice_type":1504,"slice_label":5},[],{"title":1470,"is_ad":45,"image":1471,"text":1477,"person_description":1492,"button_link":1501,"button_umami_event":5},"Entscheidend ist, wie Sie die Karte nutzen",{"dimensions":1472,"alt":5,"copyright":5,"url":1474,"id":1475,"edit":1476},{"width":1473,"height":1473},1000,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQtYFrpReVYa4F-X_Beate_FMH2.png?auto=format,compress","aQtYFrpReVYa4F-X",{"x":24,"y":24,"zoom":25,"background":26},[1478,1484],{"type":1031,"text":1479,"spans":1480,"direction":1034},"\"Bei der Wahl einer Kreditkarte sollte nicht nur der Preis zählen, sondern vor allem der persönliche Bedarf. Wer viel reist, benötigt andere Leistungen als jemand, der Rabatte, Boni oder flexible Rückzahlungsmöglichkeiten nutzen möchte. Deshalb passt je nach Nutzung eine andere Kreditkarte am besten.",[1481],{"start":24,"end":1482,"type":1483},301,"em",{"type":1031,"text":1485,"spans":1486,"direction":1034},"Mein Rat:\nPrüfen Sie neben dem Jahrespreis auch Kosten für Bargeldabhebungen am Geldautomaten, Auslandseinsatzentgelt und Sollzinsen sowie die enthaltenen Leistungen.\"",[1487,1489],{"start":24,"end":1488,"type":1483},9,{"start":1490,"end":1491,"type":1483},10,167,[1493],{"type":1031,"text":1494,"spans":1495,"direction":1034},"Beate Balke, Expertin für Wertpapiere, Kreditkarten und Bausparen bei FMH.de",[1496,1498],{"start":24,"end":1497,"type":1375},11,{"start":1499,"end":1500,"type":1375},70,76,{"link_type":1502},"Any","expert_box$e82476a0-302e-4c87-ac2b-6b2d96a46483","expert_box",{"variation":1382,"version":1383,"items":1506,"primary":1507,"id":1532,"slice_type":1418,"slice_label":5},[],{"text":1508,"chart_alt":5},[1509,1512,1517,1522,1527],{"type":1388,"text":1510,"spans":1511,"direction":1034},"Besonderheiten bei Kreditkarten",[],{"type":1031,"text":1513,"spans":1514,"direction":1034},"Versicherungen: Viele Kreditkarten enthalten Reiseversicherungen. Achten Sie auf Altersgrenzen, Versicherungssummen, mitversicherte Personen und darauf, ob die Reise mit der Karte bezahlt werden muss.",[1515],{"start":24,"end":1516,"type":1375},15,{"type":1031,"text":1518,"spans":1519,"direction":1034},"Weitere Zusatzleistungen: Je nach Karte können auch Warenversicherungen oder verlängerte Garantien enthalten sein.",[1520],{"start":24,"end":1521,"type":1375},25,{"type":1031,"text":1523,"spans":1524,"direction":1034},"Fremdwährungsgebühren: Bei Zahlungen außerhalb des Euroraums kann ein Auslandseinsatzentgelt anfallen. Die Höhe unterscheidet sich je nach Anbieter.",[1525],{"start":24,"end":1526,"type":1375},22,{"type":1031,"text":1528,"spans":1529,"direction":1034},"Ratenzahlung: Wer Kreditkartenumsätze in Raten zurückzahlt, sollte den Sollzins genau prüfen. Teilzahlungen können vergleichsweise teuer sein.",[1530],{"start":24,"end":1531,"type":1375},13,"text_block$6f0ceab8-5c4a-4c01-adbd-8eb8059706ef",{"variation":1382,"version":1383,"items":1534,"primary":1535,"id":1601,"slice_type":1602,"slice_label":5},[],{"title":1536,"table":1537},"Kartenarten im Vergleich",{"body":1538},{"rows":1539},[1540,1556,1571,1586],{"key":1541,"cells":1542},"052ea9d1-4f6c-4013-baac-b90a05febbb5",[1543,1549],{"key":1544,"type":1545,"content":1546},"63f69e67-ba01-42ce-93cb-b3f05ddeccb9","header",[1547],{"type":1031,"text":1350,"spans":1548,"direction":1034},[],{"key":1550,"type":1551,"content":1552},"6bdabaea-3bc1-4c3f-9e79-366eb29dd5de","data",[1553],{"type":1031,"text":1554,"spans":1555,"direction":1034},"Umsätze werden gesammelt und zu einem späteren Zeitpunkt abgerechnet. Kreditkarten bieten in der Regel eine hohe Akzeptanz, etwa bei Hotels oder Mietwagen.",[],{"key":1557,"cells":1558},"39cc1c39-d406-4d7e-bcf0-6976486a0d53",[1559,1565],{"key":1560,"type":1545,"content":1561},"5fe59dea-8a52-4e78-a7a0-1b1a0b9ea50e",[1562],{"type":1031,"text":1563,"spans":1564,"direction":1034},"Debitkarte",[],{"key":1566,"type":1551,"content":1567},"6556bf5c-5b91-476f-b598-9908cb4d1b36",[1568],{"type":1031,"text":1569,"spans":1570,"direction":1034},"Zahlungen werden direkt oder zeitnah vom verknüpften Girokonto abgebucht. Ein eigener Kreditrahmen besteht nicht. Für Hotel- oder Mietwagenkautionen werden Debitkarten nicht immer akzeptiert.",[],{"key":1572,"cells":1573},"e02912f7-5547-4ef2-b974-3a3b144623a7",[1574,1580],{"key":1575,"type":1545,"content":1576},"c74be6a3-53a1-4433-b3af-2f32131d0c1f",[1577],{"type":1031,"text":1578,"spans":1579,"direction":1034},"Prepaidkarte",[],{"key":1581,"type":1551,"content":1582},"0ef8920a-13b6-454c-a225-6ecafb659408",[1583],{"type":1031,"text":1584,"spans":1585,"direction":1034},"Die Karte muss vor der Nutzung mit Guthaben aufgeladen werden. Umsätze werden direkt vom verfügbaren Guthaben abgezogen. Prepaidkarten eignen sich unter anderem für Jugendliche oder Personen, die ihre Ausgaben besonders gut kontrollieren möchten.",[],{"key":1587,"cells":1588},"475d7b18-02fc-46db-8318-2c0f4a46e8bf",[1589,1595],{"key":1590,"type":1545,"content":1591},"9cecf480-5e19-4a37-a51b-10bc83f79cc0",[1592],{"type":1031,"text":1593,"spans":1594,"direction":1034},"Girocard",[],{"key":1596,"type":1551,"content":1597},"8a54a8d5-7d09-480a-b8b0-60621b85fc14",[1598],{"type":1031,"text":1599,"spans":1600,"direction":1034},"Die Girocard ist immer an ein Girokonto gekoppelt und belastet dieses direkt. Manche Karten kombinieren Girocard und ein zusätzliches Debit-Zahlungssystem wie Visa Debit oder Debit Mastercard auf einer Karte.",[],"basic_table$e4752a67-237c-406c-aa48-4301b540e742","basic_table",{"variation":1382,"version":1383,"items":1604,"primary":1605,"id":1620,"slice_type":1418,"slice_label":5},[],{"text":1606,"chart_alt":5},[1607,1611,1616],{"type":1608,"text":1609,"spans":1610,"direction":1034},"heading3","Abrechnungsarten bei Kreditkarten",[],{"type":1031,"text":1612,"spans":1613,"direction":1034},"Charge: Die gesammelten Umsätze werden meist einmal monatlich vollständig abgerechnet.",[1614],{"start":24,"end":1615,"type":1375},7,{"type":1031,"text":1617,"spans":1618,"direction":1034},"Revolving: Die Kreditkartenabrechnung kann in Teilbeträgen bzw. Raten zurückgezahlt werden. Dafür fallen in der Regel Sollzinsen an.",[1619],{"start":24,"end":1490,"type":1375},"text_block$625873b9-cd01-417c-a493-8abdd410aef8",{"variation":1382,"version":1383,"items":1622,"primary":1623,"id":1646,"slice_type":1647,"slice_label":5},[],{"heading":1624,"title":1625,"text":1626,"image":1633,"rounded_image":1348,"button_link":1642},"Von FMH-Finanzberatung und Handelsblatt ausgezeichnet","Kreditkarten-Vergleich 2026: Die besten kostenlosen Karten für Reisen und Alltag",[1627,1630],{"type":1031,"text":1628,"spans":1629,"direction":1034},"Ob für den Sommerurlaub, Mietwagenbuchungen oder Online-Zahlungen: Kreditkarten sind für viele Verbraucher unverzichtbar. Besonders gefragt sind Modelle, die dauerhaft kostenlos und flexibel einsetzbar sind - idealerweise ohne Kontobindung. Die FMH-Finanzberatung hat im Auftrag des Handelsblatt 18 Kartenangebote verglichen.",[],{"type":1031,"text":1631,"spans":1632,"direction":1034},"Top-Anbieter waren: GenialCard, easybank Visa, Awa7 Kreditkarte, Deutschland Kreditkarte Classic, Consors Finanz Mastercard, Gebührenfrei MasterCard Gold und die Klarna Card (Visa)",[],{"dimensions":1634,"alt":1637,"copyright":1638,"url":1639,"id":1640,"edit":1641},{"width":1635,"height":1636},435,576,"Siegel Beste Kreditkarten 2026 Handelsblatt","Handelsblatt, FMH-Finanzberatung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FLIxvQ9Rq7e8s2s0X_Siegel-HB-Kreditkarten-2026.png?auto=format,compress","LIxvQ9Rq7e8s2s0X",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1643,"url":1644,"target":52,"text":1645},"61749416-389e-4ec3-bd78-733742b5975a","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-kreditkarten-handelsblatt","Details zur Auswertung","award_box$4e7d269d-4601-43d0-a7a8-cef8f937410e","award_box",{"variation":1382,"version":1383,"items":1649,"primary":1650,"id":1754,"slice_type":67,"slice_label":5},[],{"title":1651,"center_title":45,"border":1348,"open_close_icon":1652,"max_width":1653,"list":1654},"Häufig gestellte Fragen zum Kreditkarten-Vergleich","Caret","none",[1655,1664,1670,1676,1688,1704,1713,1722,1737,1748],{"question":1656,"answer":1657},"Was ist der Unterschied zwischen Kreditkarte und Girocard?",[1658,1661],{"type":1031,"text":1659,"spans":1660,"direction":1034},"Bei einer Kreditkarte steht Ihnen ein Kreditrahmen zur Verfügung. Die Umsätze werden gesammelt und in der Regel einmal im Monat abgerechnet.",[],{"type":1031,"text":1662,"spans":1663,"direction":1034},"Bei der Girocard wird der Betrag direkt oder zeitnah vom Girokonto abgebucht. Einen eigenen Kreditrahmen gibt es nicht.",[],{"question":1665,"answer":1666},"Ist eine Visa Debit oder Mastercard Debit eine Kreditkarte?",[1667],{"type":1031,"text":1668,"spans":1669,"direction":1034},"Nein. Visa Debit und Mastercard Debit sind Debitkarten. Zahlungen werden direkt oder zeitnah vom verknüpften Girokonto abgebucht. Einen eigenen Kreditrahmen wie bei einer klassischen Kreditkarte gibt es nicht.",[],{"question":1671,"answer":1672},"Brauche ich für eine Kreditkarte ein Girokonto?",[1673],{"type":1031,"text":1674,"spans":1675,"direction":1034},"Nein. Viele Kreditkarten sind unabhängig von einem bestimmten Girokonto erhältlich. Für die Abrechnung hinterlegen Sie dann einfach Ihr bestehendes Girokonto als Referenzkonto.",[],{"question":1677,"answer":1678},"Welche Kreditkarte passt am besten zu mir?",[1679],{"type":1031,"text":1680,"spans":1681,"direction":1034},"Die ideale Kreditkarte hängt stark von Ihrem individuellen Nutzungsverhalten ab. Wenn Sie die Karte hauptsächlich für den Online-Einkauf im Inland nutzen, ist eine dauerhaft gebührenfreie Karte oft die beste Wahl. Für Weltenbummler und Geschäftsreisende lohnen sich hingegen Premium-Karten, die trotz Jahresgebühr durch Inklusivleistungen wie Reiserücktrittsversicherungen oder den Entfall von Fremdwährungsgebühren unter dem Strich günstiger sind.",[1682,1685],{"start":1683,"end":1684,"type":1375},164,193,{"start":1686,"end":1687,"type":1375},275,289,{"question":1689,"answer":1690},"Was ist der Unterschied zwischen Debit-, Credit- und Prepaid-Karten?",[1691,1695,1700],{"type":1031,"text":1692,"spans":1693,"direction":1034},"·         Credit (Echte Kreditkarte): Sie erhalten einen monatlichen Kreditrahmen. Die Umsätze werden gesammelt und einmal im Monat von Ihrem Girokonto abgebucht.",[1694],{"start":1490,"end":1416,"type":1375},{"type":1031,"text":1696,"spans":1697,"direction":1034},"·         Debit (Direktabbuchung): Jeder Umsatz wird sofort oder innerhalb weniger Tage direkt von Ihrem verknüpften Konto abgezogen (ähnlich wie bei der Girocard).",[1698],{"start":1490,"end":1699,"type":1375},34,{"type":1031,"text":1701,"spans":1702,"direction":1034},"·         Prepaid (Guthabenbasis): Die Karte funktioniert nur, wenn Sie vorher Geld darauf überwiesen haben. Sie bietet volle Kostenkontrolle und erfordert meist keine Schufa-Prüfung.",[1703],{"start":1490,"end":1699,"type":1375},{"question":1705,"answer":1706},"Entstehen Kosten, wenn die Karte „dauerhaft ohne Jahresgebühr“ ist?",[1707],{"type":1031,"text":1708,"spans":1709,"direction":1034},"„Dauerhaft ohne Jahresgebühr“ bedeutet lediglich, dass keine fixen Kosten für den Besitz der Karte anfallen. Es können jedoch nutzungsabhängige Kosten entstehen. Dazu zählen Gebühren für das Abheben von Bargeld an Fremdautomaten, Entgelte für Zahlungen in Fremdwährungen oder Sollzinsen, falls Sie die Option der Ratenzahlung nutzen. Ein Blick in das Preis-Leistungs-Verzeichnis in unserem Vergleich lohnt sich daher immer.",[1710],{"start":1711,"end":1712,"type":1375},126,150,{"question":1714,"answer":1715},"Wann fallen Zinsen bei der Nutzung meiner Kreditkarte an?",[1716],{"type":1031,"text":1717,"spans":1718,"direction":1034},"Zinsen fallen nur an, wenn Sie eine „echte“ Kreditkarte mit Teilzahlungsfunktion nutzen und den monatlichen Rechnungsbetrag nicht vollständig auf einmal begleichen. In diesem Fall werden Sollzinsen auf den ausstehenden Betrag berechnet. Wenn Sie Ihre Rechnung stets zu 100% per Lastschrift ausgleichen, bleibt die Nutzung des Kreditrahmens für Sie innerhalb des Zahlungsziels in der Regel zinsfrei.",[1719],{"start":1720,"end":1721,"type":1375},60,80,{"question":1723,"answer":1724},"Worauf sollte ich bei der Nutzung im Ausland achten?",[1725],{"type":1031,"text":1726,"spans":1727,"direction":1034},"Bei Reisen ins Ausland, besonders außerhalb der Euro-Zone, sollten Sie auf folgende Faktoren achten: das Auslandseinsatzentgeld (zwischen 1,5 -2,5%), die Fremdwährungsgebühr (oft zwischen 0,5% und 3%) bei Kartenzahlungen und die Bargeldgebühr am Automaten. Viele moderne Reise-Kreditkarten in unserem Vergleich verzichten mittlerweile komplett auf diese Gebühren, was bei einem zweiwöchigen Urlaub schnell eine Ersparnis von 50 € bis 100 € ausmachen kann.",[1728,1731,1734],{"start":1729,"end":1730,"type":1375},154,173,{"start":1732,"end":1733,"type":1375},229,242,{"start":1735,"end":1736,"type":1375},425,439,{"question":1738,"answer":1739},"Wie sicher ist das Bezahlen mit der Kreditkarte im Internet?",[1740],{"type":1031,"text":1741,"spans":1742,"direction":1034},"Kreditkarten gehören heute zu den sichersten Zahlungsmitteln im Netz. Durch Verfahren wie 3D-Secure (z. B. „Visa Secure“ oder „Mastercard Identity Check“) muss jede Transaktion zusätzlich über eine App oder per SMS-Code von Ihnen freigegeben werden. Zudem genießen Sie einen starken Käuferschutz: Bei Betrug oder nicht gelieferter Ware können Sie unberechtigte Buchungen über das sogenannte Chargeback-Verfahren reklamieren und zurückfordern.",[1743,1745],{"start":1744,"end":1374,"type":1375},90,{"start":1746,"end":1747,"type":1375},391,411,{"question":1749,"answer":1750},"Was passiert, wenn ich meine Kreditkarte verliere oder sie gestohlen wird?",[1751],{"type":1031,"text":1752,"spans":1753,"direction":1034},"Lassen Sie die Kreditkarte bei Verlust oder Diebstahl sofort sperren. Für nicht autorisierte Zahlungen vor der Sperrung haften Karteninhaber grundsätzlich mit höchstens 50 Euro. 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Vergleichen Sie Konditionen, Gebühren und Zusatzleistungen führender Banken – transparent, aktuell und übersichtlich.",[],{"dimensions":1801,"alt":1804,"copyright":1805,"url":1806,"id":1807,"edit":1808},{"width":1802,"height":1803},1200,800,"3D Grafik mit Smartphone, Geldnoten, Münzen und Kreditkarte","StockStyle, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQd15rpReVYa37UU_3d-grafik-smartphone-geldnoten-muenzen.png?auto=format,compress","aQd15rpReVYa37UU",{"x":24,"y":24,"zoom":25,"background":26},"Image Left, Links Right",[1811,1816,1821,1827],{"link":1812,"description":1815},{"id":476,"type":107,"tags":1813,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"key":1814,"isBroken":45,"text":483},[109],"d0151752-9215-44ea-a947-95819cc32c51","Vergleichen Sie aktuelle Girokonten und finden Sie das Konto, das zu Ihren Zahlungsgewohnheiten passt – egal ob klassisch mit Filiale oder vollständig digital in der App.",{"link":1817,"description":1820},{"id":496,"type":107,"tags":1818,"lang":13,"slug":110,"first_publication_date":498,"last_publication_date":499,"uid":500,"url":501,"link_type":43,"key":1819,"isBroken":45,"text":503},[],"cc21e4b2-c226-4385-8286-43cba43a6c57","Finden Sie das passende Konto für Schüler, Azubis und Studierende. 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Bargeld, bitte! Warum Kartenzahlung in Deutschland noch immer nicht überall funktioniert",{"id":1331,"type":1332,"tags":2104,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2105,"isBroken":45},[],"238f288f-c3de-41c3-8b5d-c5d9a10bf23d",[2107],{"type":1031,"text":2108,"spans":2109,"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":2111,"type":1354,"tags":2112,"lang":13,"slug":2113,"first_publication_date":2114,"last_publication_date":2114,"uid":2115,"link_type":43,"key":2116,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","1c9935dd-4ec6-4ac6-846c-189825710074",{"dimensions":2118,"alt":2120,"copyright":5,"url":2121,"id":2122,"edit":2123},{"width":2119,"height":1473},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":2126,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2127,"isBroken":45},[],"f6e7dbd2-11ce-48c6-82a1-72bafb3c6606",[2129],{"variation":1382,"version":1383,"items":2130,"primary":2131,"id":2201,"slice_type":1418,"slice_label":5},[],{"text":2132,"chart_alt":5},[2133,2136,2143,2146,2149,2152,2155,2163,2166,2168,2171,2174,2181,2184,2187,2189,2192,2195,2198],{"type":1031,"text":2134,"spans":2135,"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":2137,"spans":2138,"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. ",[2139],{"start":1491,"end":2140,"type":1370,"data":2141},177,{"link_type":49,"url":2142,"target":52},"https:\u002F\u002Fwww.bundesbank.de\u002Fde\u002Fpresse\u002Fpressemitteilungen\u002Fzahlungsverhalten-in-deutschland-2025-964736",{"type":1031,"text":2144,"spans":2145,"direction":1034},"Warum hält sich „nur Bargeld“, vor allem in Deutschland, so hartnäckig? ",[],{"type":1031,"text":2147,"spans":2148,"direction":1034},"",[],{"type":1388,"text":2150,"spans":2151,"direction":1034},"Kartenzahlung kostet ",[],{"type":1031,"text":2153,"spans":2154,"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":2156,"spans":2157,"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. ",[2158],{"start":2159,"end":2160,"type":1370,"data":2161},294,313,{"id":476,"type":107,"tags":2162,"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":2164,"spans":2165,"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":2147,"spans":2167,"direction":1034},[],{"type":1388,"text":2169,"spans":2170,"direction":1034},"Hilft das Handy, wenn keine Karte angenommen wird? ",[],{"type":1031,"text":2172,"spans":2173,"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":2175,"spans":2176,"direction":1034}," Unser Tipp: Wenn Sie die richtige Karte für sich finden möchten, hilft Ihnen unser Kreditkarten-Vergleich bei der Auswahl. ",[2177],{"start":1368,"end":2178,"type":1370,"data":2179},106,{"id":512,"type":107,"tags":2180,"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":2182,"spans":2183,"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":2185,"spans":2186,"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":2147,"spans":2188,"direction":1034},[],{"type":1388,"text":2190,"spans":2191,"direction":1034},"Muss bald jedes Restaurant Karten akzeptieren? ",[],{"type":1031,"text":2193,"spans":2194,"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":2196,"spans":2197,"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":2199,"spans":2200,"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":2205,"alt":2120,"copyright":5,"url":2208,"id":2122,"edit":2209},{"width":2206,"height":2207},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":2178,"zoom":25,"background":26},{"id":2211,"uid":2093,"url":2212,"type":319,"href":2213,"tags":2214,"first_publication_date":2215,"last_publication_date":2216,"slugs":2217,"linked_documents":2219,"lang":13,"alternate_languages":2220,"data":2221},"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",[2218],"so-haben-wir-getestet",[],[],{"publication_date":2222,"last_edit_date":2222,"set_last_edit_date_today":45,"title":2223,"subtitle":2224,"breadcrumb_title":5,"topic":2225,"teaser":2228,"author":2232,"cover":2239,"cover_position":1362,"table_of_content":2245,"toc_calculator":1378,"toc_selection":2124,"carousel_topic_filter":2246,"slices":2249,"meta_title":2312,"meta_description":2313,"meta_image":2314,"meta_indexed":1348},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1331,"type":1332,"tags":2226,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2227,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2229],{"type":1031,"text":2230,"spans":2231,"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":2233,"type":1354,"tags":2234,"lang":13,"slug":2235,"first_publication_date":2236,"last_publication_date":2237,"uid":2235,"link_type":43,"key":2238,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2240,"alt":2241,"copyright":5,"url":2242,"id":2243,"edit":2244},{"width":1802,"height":1803},"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":2247,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2248,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2250],{"variation":1382,"version":1383,"items":2251,"primary":2252,"id":2311,"slice_type":1418,"slice_label":5},[],{"text":2253,"chart_alt":5},[2254,2257,2260,2263,2266,2269,2272,2275,2278,2281,2284,2287,2290,2299,2302,2305,2308],{"type":1031,"text":2255,"spans":2256,"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":2258,"spans":2259,"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":2261,"spans":2262,"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":2264,"spans":2265,"direction":1034},"Warum gerade 196 Städte?",[],{"type":1031,"text":2267,"spans":2268,"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":1388,"text":2270,"spans":2271,"direction":1034},"So haben wir getestet",[],{"type":1031,"text":2273,"spans":2274,"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":2276,"spans":2277,"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":2279,"spans":2280,"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":1608,"text":2282,"spans":2283,"direction":1034},"Die passende Bank für jedes Alter",[],{"type":1031,"text":2285,"spans":2286,"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":2288,"spans":2289,"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":2291,"spans":2292,"direction":1034},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2293,2298],{"start":2294,"end":2295,"type":1370,"data":2296},47,51,{"link_type":49,"url":2297,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":2294,"end":2295,"type":1375},{"type":1608,"text":2300,"spans":2301,"direction":1034},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1031,"text":2303,"spans":2304,"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":2306,"spans":2307,"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":2309,"spans":2310,"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":2315,"alt":2241,"copyright":5,"url":2316,"id":2243,"edit":2317},{"width":2206,"height":2207},"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":2318,"zoom":25,"background":26},85,{"id":523,"uid":528,"url":529,"type":319,"href":2320,"tags":2321,"first_publication_date":526,"last_publication_date":527,"slugs":2322,"linked_documents":2323,"lang":13,"alternate_languages":2324,"data":2325},"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":2326,"last_edit_date":2326,"set_last_edit_date_today":45,"title":2327,"subtitle":5,"breadcrumb_title":5,"topic":2328,"teaser":2331,"author":2340,"cover":2343,"cover_position":1362,"table_of_content":2245,"toc_calculator":1378,"toc_selection":2124,"carousel_topic_filter":2350,"slices":2353,"meta_title":2496,"meta_description":2497,"meta_image":2498,"meta_indexed":1348},"2026-08-04","Die besten Girokonten für junge Erwachsene 2026",{"id":1331,"type":1332,"tags":2329,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2330,"isBroken":45},[],"856cb2e4-5036-486b-8dc0-6deb92cb6dd1",[2332],{"type":1031,"text":2333,"spans":2334,"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.",[2335],{"start":2336,"end":2337,"type":1370,"data":2338},127,166,{"link_type":49,"url":2339,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-2026-das-ist-das-beste-girokonto-fuer-junge-erwachsene\u002F100238149.html",{"id":2111,"type":1354,"tags":2341,"lang":13,"slug":2113,"first_publication_date":2114,"last_publication_date":2114,"uid":2115,"link_type":43,"key":2342,"isBroken":45},[],"0d2d40c4-f63f-4046-9ed6-0857bd7ad574",{"dimensions":2344,"alt":2345,"copyright":2346,"url":2347,"id":2348,"edit":2349},{"width":1802,"height":1803},"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":2351,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1337,"link_type":43,"key":2352,"isBroken":45},[],"94ef951c-d168-46a8-ab82-3cfed6325df3",[2354],{"variation":1382,"version":1383,"items":2355,"primary":2356,"id":2495,"slice_type":1418,"slice_label":5},[],{"text":2357,"chart_alt":5},[2358,2361,2364,2367,2370,2381,2384,2387,2390,2393,2396,2399,2402,2405,2411,2416,2425,2428,2433,2437,2440,2445,2449,2453,2456,2459,2462,2465,2468,2471,2474,2477,2480,2488],{"type":1388,"text":2359,"spans":2360,"direction":1034},"Der richtige Zeitpunkt für das erste eigene Girokonto",[],{"type":1031,"text":2362,"spans":2363,"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":2365,"spans":2366,"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":1608,"text":2368,"spans":2369,"direction":1034},"Was wurde untersucht?",[],{"type":1031,"text":2371,"spans":2372,"direction":1034},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche Girokonten für junge Erwachsene ab 18 Jahren analysiert.",[2373,2376],{"start":2374,"end":1526,"type":1370,"data":2375},4,{"link_type":49,"url":57,"target":52},{"start":2377,"end":2378,"type":1370,"data":2379},104,114,{"link_type":49,"url":2380,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-kostenlosen-girokonten-f-r-junge-erwachsene-wirtschaftswoche",{"type":1031,"text":2382,"spans":2383,"direction":1034},"Bewertet wurden unter anderem:",[],{"type":1392,"text":2385,"spans":2386,"direction":1034},"Kontoführungsgebühren",[],{"type":1392,"text":2388,"spans":2389,"direction":1034},"Gebühren für Debit- und Kreditkarten",[],{"type":1392,"text":2391,"spans":2392,"direction":1034},"Höhe des Dispozinses",[],{"type":1392,"text":2394,"spans":2395,"direction":1034},"Zusatzleistungen und Rabatte",[],{"type":1392,"text":2397,"spans":2398,"direction":1034},"Altersgrenzen der kostenlosen Kontoführung",[],{"type":1031,"text":2400,"spans":2401,"direction":1034},"Insgesamt erhielten vier Direktbanken sowie fünf Filialbanken die Bewertung „sehr gut“.",[],{"type":1388,"text":2403,"spans":2404,"direction":1034},"Die besten Direktbanken",[],{"type":1031,"text":2406,"spans":2407,"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.",[2408],{"start":2409,"end":2410,"type":1375},32,43,{"type":1031,"text":2412,"spans":2413,"direction":1034},"Auf Platz zwei folgt die C24 Bank. Das Konto ist dauerhaft kostenlos und überzeugt zusätzlich mit Guthabenverzinsung, Cashback sowie mehreren Unterkonten.",[2414],{"start":1521,"end":2415,"type":1375},33,{"type":1031,"text":2417,"spans":2418,"direction":1034},"Ebenfalls mit „sehr gut“ ausgezeichnet wurden die PSD Bank Rhein-Ruhr (Regionalbank mit überregionalen Angebot) und comdirect.",[2419,2422],{"start":2420,"end":2421,"type":1375},50,69,{"start":2423,"end":2424,"type":1375},116,125,{"type":1608,"text":2426,"spans":2427,"direction":1034},"Die besten Filialbanken",[],{"type":1031,"text":2429,"spans":2430,"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.",[2431],{"start":2432,"end":2410,"type":1375},36,{"type":1031,"text":2434,"spans":2435,"direction":1034},"Die BBBank folgt auf Platz zwei. Neben einer kostenfreien Kontoführung profitieren junge Erwachsene von einer attraktiven Startprämie.",[2436],{"start":2374,"end":1490,"type":1375},{"type":1031,"text":2438,"spans":2439,"direction":1034},"Weitere Institute mit der Bewertung „sehr gut“ sind:",[],{"type":1392,"text":2441,"spans":2442,"direction":1034},"Openbank (by Santander)",[2443],{"start":24,"end":2444,"type":1375},8,{"type":1392,"text":2446,"spans":2447,"direction":1034},"HypoVereinsbank",[2448],{"start":24,"end":1516,"type":1375},{"type":1392,"text":2450,"spans":2451,"direction":1034},"Commerzbank",[2452],{"start":24,"end":1497,"type":1375},{"type":1608,"text":2454,"spans":2455,"direction":1034},"Worauf junge Erwachsene achten sollten",[],{"type":1031,"text":2457,"spans":2458,"direction":1034},"Ein kostenloses Girokonto ist häufig nur ein Teil des Gesamtpakets. Ebenso wichtig sind:",[],{"type":1392,"text":2460,"spans":2461,"direction":1034},"kostenlose Debit- und Kreditkarten",[],{"type":1392,"text":2463,"spans":2464,"direction":1034},"niedrige Dispozinsen",[],{"type":1392,"text":2466,"spans":2467,"direction":1034},"kostenfreie Bargeldversorgung",[],{"type":1392,"text":2469,"spans":2470,"direction":1034},"attraktive Zusatzleistungen oder Startprämien",[],{"type":1392,"text":2472,"spans":2473,"direction":1034},"möglichst lange oder unbegrenzte kostenlose Kontoführung",[],{"type":1031,"text":2475,"spans":2476,"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":1388,"text":2478,"spans":2479,"direction":1034},"Fazit: Ein Vergleich zahlt sich aus",[],{"type":1031,"text":2481,"spans":2482,"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.",[2483,2485],{"start":2374,"end":1416,"type":1370,"data":2484},{"link_type":49,"url":2380,"target":52},{"start":2486,"end":2421,"type":1370,"data":2487},53,{"link_type":49,"url":2339,"target":52},{"type":1031,"text":2489,"spans":2490,"direction":1034},"Der FMH Girokonto-Vergleich hilft dabei, das passende Konto für Studium, Ausbildung oder den Berufseinstieg zu finden.",[2491],{"start":2374,"end":2492,"type":1370,"data":2493},27,{"id":476,"type":107,"tags":2494,"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":2499,"alt":2345,"copyright":2346,"url":2500,"id":2348,"edit":2501},{"width":2206,"height":2207},"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":2318,"zoom":25,"background":26}]