{"id":2333,"date":"2025-09-10T13:36:10","date_gmt":"2025-09-10T12:36:10","guid":{"rendered":"https:\/\/sueddeutsche-edit.grc-media.com\/finanzvergleich\/?page_id=2333"},"modified":"2026-09-16T08:42:27","modified_gmt":"2026-09-16T07:42:27","slug":"firmentagesgeld","status":"publish","type":"page","link":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/firmentagesgeld\/","title":{"rendered":"Firmentagesgeld"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div class=\"x-section e2333-e1 m1st-0 m1st-1 m1st-2\"><div class=\"x-row x-container max width e2333-e2 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-e m1st-f m1st-t m1st-u\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e3 m1st-17\"><div class=\"x-row e2333-e4 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-g m1st-h m1st-i m1st-j m1st-v m1st-w\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e5 m1st-17 m1st-18 m1st-19 m1st-1a m1st-1b\"><div class=\"x-text x-text-headline e2333-e6 m1st-1i m1st-1j m1st-1k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">Konto<\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2333-e7 m1st-17 m1st-18 m1st-19 m1st-1a m1st-1c\"><div class=\"x-anchor x-anchor-toggle e2333-e8 m1st-1o m1st-1p m1st-1q m1st-1r m1st-1s m1st-1t m1st-1u\" tabindex=\"0\" role=\"button\" data-x-toggle=\"1\" data-x-toggleable=\"e2333-e8\" data-x-toggle-overlay=\"1\" aria-controls=\"e2333-e8-modal\" aria-expanded=\"false\" aria-haspopup=\"true\" aria-label=\"Toggle Modal Content\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Werbehinweis<\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-text x-text-headline e2333-e13 m1st-1j m1st-1l m1st-1m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Firmentagesgeld Vergleich September 2026: Beste Zinsen & Konten<\/h1>\n<\/div><\/div><\/div><div class=\"x-row e2333-e14 m1st-6 m1st-7 m1st-8 m1st-a m1st-c m1st-i m1st-k m1st-l m1st-x\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e15 m1st-17 m1st-1d\"><span class=\"x-image e2333-e16 m1st-2k\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Amalia_Albv.png\" width=\"40\" height=\"40\" alt=\"Amalia Alibaev\" loading=\"lazy\"><\/span><\/div><div class=\"x-col e2333-e17 m1st-17\"><div class=\"x-text x-content e2333-e18 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Verfasst von: <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/amalia-alibaev\/\"><strong>Amalia Alibaev<\/strong><\/a> \u0399 Aktualisiert am: 16 September 2026<\/div><div class=\"x-row e2333-e19 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-f m1st-g m1st-i m1st-t m1st-y\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e20 m1st-17 m1st-18 m1st-1b m1st-1e m1st-1f\"><i class=\"x-icon e2333-e21 m1st-2l\" aria-hidden=\"true\" data-x-icon-s=\"&#xf336;\"><\/i><div class=\"x-text x-content e2333-e22 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Faktengepr\u00fcft<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-text x-content e2333-e23 m1st-26 m1st-2a m1st-2b m1st-2c m1st-2d m1st-2e\">Firmentagesgeld ist der unkomplizierte Parkplatz f\u00fcr Liquidit\u00e4t: t\u00e4glich verf\u00fcgbar, planbar verzinst und buchhalterisch sauber trennbar von Ihrem Zahlungsverkehr. 2026 setzen viele Unternehmen es ein, um Steuer- und Abgabenr\u00fccklagen, kurzfristige Puffer oder projektbezogene Mittel sicher und flexibel zu parken, ohne Kurs- oder Marktrisiken wie bei Fonds.<\/div><div class=\"x-row e2333-e24 m1st-6 m1st-8 m1st-9 m1st-c m1st-d m1st-i m1st-j m1st-l m1st-m m1st-n m1st-v m1st-z\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e25 m1st-17\"><div class=\"x-text x-text-headline e2333-e26 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Das Wichtigste in K\u00fcrze<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e27 m1st-25 m1st-26 m1st-28 m1st-2d m1st-2f\"><ul>\n \t<li>Nach der <strong>EZB-Erh\u00f6hung<\/strong> liegt die Zinsspanne aktuell besonders weit auseinander, w\u00e4hrend sich die Firmentagesgeld-Zinsen grunds\u00e4tzlich am EZB-Einlagensatz (aktuell <strong>2,50 %<\/strong>) orientieren, reichen die Angebote am Markt derzeit von etwa 0,40 % bis zu 5,00 % p.a. Das lohnt einen genauen Vergleich statt einer schnellen Entscheidung.<\/li>\n \t<li>Ungenutzte Liquidit\u00e4t auf dem Gesch\u00e4ftskonto kostet gerade jetzt bares Geld; bei gr\u00f6\u00dferen Guthaben, die unverzinst auf dem Girokonto liegen, entgehen Unternehmen im aktuellen Zinsumfeld schnell mehrere tausend Euro pro Jahr.<\/li>\n<\/ul>\n<p><strong>Unsere Empfehlungen<\/strong><\/p><\/div><div class=\"x-grid e2333-e28 m1st-2m m1st-2n m1st-2o\"><div class=\"x-cell e2333-e29 m1st-2s m1st-2t m1st-2u\"><div class=\"x-text x-content e2333-e30 m1st-25 m1st-26 m1st-28 m1st-2d m1st-2f\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-unitplus-firmentagesgeld\">Unitplus<\/a> \u0399 2,83 % ohne Laufzeitbeschr\u00e4nkung<\/div><\/div><div class=\"x-cell e2333-e31 m1st-2s m1st-2t m1st-2u\"><div class=\"x-text x-content e2333-e32 m1st-25 m1st-26 m1st-28 m1st-2d m1st-2f\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-firmentagesgeld\">Vivid<\/a> \u0399 5 % f\u00fcr 5 Monate<\/div><\/div><div class=\"x-cell e2333-e33 m1st-2s m1st-2t m1st-2u\"><div class=\"x-text x-content e2333-e34 m1st-25 m1st-26 m1st-28 m1st-2d m1st-2f\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-zinskonto\">Finom<\/a> \u0399 5 % f\u00fcr 5 Monate<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-acc x-hide-sm x-hide-xs e2333-e35 m1st-2y m1st-2z m1st-30\" id=\"x-acc-e2333-e35\"><div class=\"e2333-e36 x-acc-item\"><button id=\"tab-e2333-e36\" class=\"x-acc-header x-active\" role=\"button\" aria-expanded=\"true\" aria-controls=\"panel-e2333-e36\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e36\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\">&#x25b8;<\/span><span class=\"x-acc-header-text\">Inhaltsverzeichnis<\/span><\/span><\/button><div id=\"panel-e2333-e36\" role=\"tabpanel\" aria-hidden=\"false\" aria-labelledby=\"tab-e2333-e36\" data-x-toggleable=\"e2333-e36\" data-x-toggle-collapse=\"1\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e37 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2g\"><ol>\n \t<li style=\"list-style-type: none;\">\n<ol>\n \t<li><a href=\"#definition\">Was ist Firmentagesgeld?<\/a><\/li>\n \t<li><a href=\"#vergleich\">Firmentagesgeld vs. Privat-Tagesgeld<\/a><\/li>\n \t<li><a href=\"#vorteile\">Das sind die Vorteile von Firmentagesgeld<\/a><\/li>\n \t<li><a href=\"#kriterien\">Wie w\u00e4hlt man den richtigen Anbieter f\u00fcr Business-Tagesgeld aus?<\/a><\/li>\n \t<li><a href=\"#unterlagen\">Welche Unterlagen sind f\u00fcr die Er\u00f6ffnung eines Firmentagesgeldkontos erforderlich?<\/a><\/li>\n \t<li><a href=\"#prozess\">Wie er\u00f6ffnet man ein Tagesgeldkonto f\u00fcr Gesch\u00e4ftskunden?<\/a><\/li>\n \t<li><a href=\"#steuern\">Wie wird Firmentagesgeld versteuert?<\/a><\/li>\n \t<li><a href=\"#risiken\">Welche Risiken gibt es beim Tagesgeld f\u00fcr Firmen?<\/a><\/li>\n \t<li><a href=\"#faq\">H\u00e4ufig gestellte Fragen zu Firmentagesgeld<\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol><\/div><\/div><\/div><\/div><\/div><div class=\"x-acc x-hide-lg x-hide-md x-hide-xl e2333-e38 m1st-2y m1st-2z m1st-30\" id=\"x-acc-e2333-e38\"><div class=\"e2333-e39 x-acc-item\"><button id=\"tab-e2333-e39\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e39\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e39\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\">&#x25b8;<\/span><span class=\"x-acc-header-text\">Inhaltsverzeichnis<\/span><\/span><\/button><div id=\"panel-e2333-e39\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e39\" data-x-toggleable=\"e2333-e39\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e40 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2g\"><ol>\n \t<li style=\"list-style-type: none;\">\n<ol>\n \t<li><a href=\"#definition\">Was ist Firmentagesgeld?<\/a><\/li>\n \t<li><a href=\"#vergleich\">Firmentagesgeld vs. Privat-Tagesgeld<\/a><\/li>\n \t<li><a href=\"#vorteile\">Das sind die Vorteile von Firmentagesgeld<\/a><\/li>\n \t<li><a href=\"#kriterien\">Wie w\u00e4hlt man den richtigen Anbieter f\u00fcr Business-Tagesgeld aus?<\/a><\/li>\n \t<li><a href=\"#unterlagen\">Welche Unterlagen sind f\u00fcr die Er\u00f6ffnung eines Firmentagesgeldkontos erforderlich?<\/a><\/li>\n \t<li><a href=\"#prozess\">Wie er\u00f6ffnet man ein Tagesgeldkonto f\u00fcr Gesch\u00e4ftskunden?<\/a><\/li>\n \t<li><a href=\"#steuern\">Wie wird Firmentagesgeld versteuert?<\/a><\/li>\n \t<li><a href=\"#risiken\">Welche Risiken gibt es beim Tagesgeld f\u00fcr Firmen?<\/a><\/li>\n \t<li><a href=\"#faq\">H\u00e4ufig gestellte Fragen zu Firmentagesgeld<\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e2333-e41 m1st-0 m1st-1 m1st-3\"><div class=\"x-row x-container max width e2333-e42 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-e m1st-f m1st-t m1st-10\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e43 m1st-17\"><div class=\"x-text x-text-headline e2333-e44 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Unsere Top-Auswahl der besten Firmentagesgeldkonten<\/h2>\n<\/div><\/div><\/div><div class=\"x-grid e2333-e45 m1st-2m m1st-2p m1st-2q\"><div class=\"x-cell e2333-e46 m1st-2s m1st-2v m1st-2w\"><div class=\"x-text x-content e2333-e47 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\"><div class=\"cs-content x-global-block x-global-block-2694 e2694-e0\"><div class=\"x-section e2694-e2 m22u-0\"><div class=\"x-row e2694-e3 m22u-2 m22u-3 m22u-4 m22u-a m22u-b\"><div class=\"x-row-inner\"><div class=\"x-col e2694-e4 m22u-f m22u-g\"><div class=\"x-row e2694-e5 m22u-2 m22u-4 m22u-5 m22u-6 m22u-a m22u-c\"><div class=\"x-row-inner\"><div class=\"x-col e2694-e6 m22u-f m22u-h m22u-i\"><div class=\"x-anchor x-anchor-button has-graphic e2694-e7 m22u-l m22u-m\" tabindex=\"0\"><div class=\"x-anchor-content\"><span class=\"x-graphic\" aria-hidden=\"true\"><i class=\"x-icon x-graphic-child x-graphic-icon x-graphic-primary\" aria-hidden=\"true\" data-x-icon-s=\"&#xf885;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Bester Zinssatz<\/span><\/div><\/div><\/div><div class=\"x-text x-text-headline e2694-e8 m22u-o\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Vivid<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row x-container max width e2694-e9 m22u-2 m22u-4 m22u-7 m22u-8 m22u-a m22u-d\"><div class=\"x-row-inner\"><div class=\"x-col e2694-e10 m22u-f m22u-h m22u-i\"><span class=\"x-image e2694-e11 m22u-p\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Top_vivid_SZ.png\" width=\"175\" height=\"125\" alt=\"vivid\" loading=\"lazy\"><\/span><\/div><div class=\"x-col e2694-e12 m22u-f m22u-i\"><ul class=\"x-row x-container max width e2694-e13 m22u-2 m22u-6 m22u-7 m22u-9 m22u-e\"><div class=\"x-row-inner\"><li class=\"x-col e2694-e14 m22u-f m22u-i m22u-j\"><figure class=\"x-div e2694-e15 m22u-q m22u-r m22u-s m22u-t\"><i class=\"x-icon e2694-e16 m22u-v\" aria-hidden=\"true\" data-x-icon-s=\"&#xf643;\"><\/i><\/figure><div class=\"x-div e2694-e17 m22u-s m22u-u m22u-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2694-e18 m22u-w m22u-x\"><strong>5 % Zinsen<\/strong><\/div><\/div><\/li><li class=\"x-col e2694-e19 m22u-f m22u-i\"><figure class=\"x-div e2694-e20 m22u-r m22u-s\"><i class=\"x-icon e2694-e21 m22u-v\" aria-hidden=\"true\" data-x-icon-s=\"&#xe349;\"><\/i><\/figure><div class=\"x-div e2694-e22 m22u-s m22u-u m22u-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2694-e23 m22u-w\">Zinssatz f\u00fcr 5 Monate g\u00fcltig<\/div><\/div><\/li><li class=\"x-col e2694-e24 m22u-f m22u-i\"><figure class=\"x-div e2694-e25 m22u-r m22u-s\"><i class=\"x-icon e2694-e26 m22u-v\" aria-hidden=\"true\" data-x-icon-s=\"&#xe528;\"><\/i><\/figure><div class=\"x-div e2694-e27 m22u-s m22u-u m22u-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2694-e28 m22u-w\">Keine Mindesteinlage<\/div><\/div><\/li><li class=\"x-col e2694-e29 m22u-f m22u-i m22u-k\"><figure class=\"x-div e2694-e30 m22u-r m22u-s m22u-t\"><i class=\"x-icon e2694-e31 m22u-v\" aria-hidden=\"true\" data-x-icon-s=\"&#xf2f7;\"><\/i><\/figure><div class=\"x-div e2694-e32 m22u-s m22u-u m22u-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2694-e33 m22u-w m22u-x\">Bis zu 100.000 \u20ac durch die gesetzliche Einlagensicherung\n<\/div><\/div><\/li><\/div><\/ul><\/div><div class=\"x-col e2694-e34 m22u-f m22u-h m22u-i\"><a class=\"x-anchor x-anchor-button e2694-e35 m22u-l m22u-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-cell e2333-e48 m1st-2s m1st-2v m1st-2w\"><div class=\"x-text x-content e2333-e49 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\"><div class=\"cs-content x-global-block x-global-block-2693 e2693-e0\"><div class=\"x-section e2693-e2 m22t-0\"><div class=\"x-row e2693-e3 m22t-2 m22t-3 m22t-4 m22t-a m22t-b\"><div class=\"x-row-inner\"><div class=\"x-col e2693-e4 m22t-f m22t-g\"><div class=\"x-row e2693-e5 m22t-2 m22t-4 m22t-5 m22t-6 m22t-a m22t-c\"><div class=\"x-row-inner\"><div class=\"x-col e2693-e6 m22t-f m22t-h m22t-i\"><div class=\"x-anchor x-anchor-button has-graphic e2693-e7 m22t-l m22t-m\" tabindex=\"0\"><div class=\"x-anchor-content\"><span class=\"x-graphic\" aria-hidden=\"true\"><i class=\"x-icon x-graphic-child x-graphic-icon x-graphic-primary\" aria-hidden=\"true\" data-x-icon-s=\"&#xe528;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Beste Laufzeit<\/span><\/div><\/div><\/div><div class=\"x-text x-text-headline e2693-e8 m22t-o m22t-p\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Unitplus<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row x-container max width e2693-e9 m22t-2 m22t-4 m22t-7 m22t-8 m22t-a m22t-d\"><div class=\"x-row-inner\"><div class=\"x-col e2693-e10 m22t-f m22t-h m22t-i\"><span class=\"x-image e2693-e11 m22t-r\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Top_unitplus_business_SZ.png\" width=\"175\" height=\"125\" alt=\"Unitplus Business\" loading=\"lazy\"><\/span><div class=\"x-text x-text-headline e2693-e12 m22t-p m22t-q\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/unitplus-firmentagesgeld\/\">Unitplus Firmentagesgeld im Test<\/a><\/p>\n<p><\/p><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2693-e13 m22t-f m22t-i\"><ul class=\"x-row x-container max width e2693-e14 m22t-2 m22t-6 m22t-7 m22t-9 m22t-e\"><div class=\"x-row-inner\"><li class=\"x-col e2693-e15 m22t-f m22t-i m22t-j\"><figure class=\"x-div e2693-e16 m22t-s m22t-t m22t-u m22t-v\"><i class=\"x-icon e2693-e17 m22t-x\" aria-hidden=\"true\" data-x-icon-s=\"&#xf643;\"><\/i><\/figure><div class=\"x-div e2693-e18 m22t-u m22t-w m22t-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2693-e19 m22t-y m22t-z\"><strong>2,83 % Zinsen<\/strong><\/div><\/div><\/li><li class=\"x-col e2693-e20 m22t-f m22t-i\"><figure class=\"x-div e2693-e21 m22t-t m22t-u\"><i class=\"x-icon e2693-e22 m22t-x\" aria-hidden=\"true\" data-x-icon-s=\"&#xe349;\"><\/i><\/figure><div class=\"x-div e2693-e23 m22t-u m22t-w m22t-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2693-e24 m22t-y\">Ohne Laufzeitbeschr\u00e4nkung<\/div><\/div><\/li><li class=\"x-col e2693-e25 m22t-f m22t-i\"><figure class=\"x-div e2693-e26 m22t-t m22t-u\"><i class=\"x-icon e2693-e27 m22t-x\" aria-hidden=\"true\" data-x-icon-s=\"&#xe528;\"><\/i><\/figure><div class=\"x-div e2693-e28 m22t-u m22t-w m22t-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2693-e29 m22t-y\">Keine Mindest- und Maximaleinlage<\/div><\/div><\/li><li class=\"x-col e2693-e30 m22t-f m22t-i m22t-k\"><figure class=\"x-div e2693-e31 m22t-t m22t-u m22t-v\"><i class=\"x-icon e2693-e32 m22t-x\" aria-hidden=\"true\" data-x-icon-s=\"&#xf2f7;\"><\/i><\/figure><div class=\"x-div e2693-e33 m22t-u m22t-w m22t-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e2693-e34 m22t-y m22t-z\">Auch Betr\u00e4ge \u00fcber 100.000 \u20ac sind als Sonderverm\u00f6gen vollst\u00e4ndig gesch\u00fctzt\t<\/div><\/div><\/li><\/div><\/ul><\/div><div class=\"x-col e2693-e35 m22t-f m22t-h m22t-i\"><a class=\"x-anchor x-anchor-button e2693-e36 m22t-l m22t-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-unitplus-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-text x-text-headline e2333-e50 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Firmentagesgeld im Vergleich diesen September 2026<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e51 m1st-25 m1st-26 m1st-28 m1st-2d m1st-2f\">Hier finden Sie eine umfassende \u00dcbersicht \u00fcber die besten Firmentagesgeldkonten. Im Mittelpunkt stehen vor allem die Zinsen und Konditionen, da diese entscheidend f\u00fcr die Rendite Ihrer Unternehmensr\u00fccklagen sind. Unser Vergleich ber\u00fccksichtigt neben dem Zinssatz auch Aspekte wie Mindest- und Maximaleinlage, Verf\u00fcgbarkeit der Gelder sowie m\u00f6gliche Geb\u00fchren. So k\u00f6nnen Sie das Konto w\u00e4hlen, das am besten zu den finanziellen Bed\u00fcrfnissen und Liquidit\u00e4tsanforderungen Ihres Unternehmens passt<\/div><div class=\"x-text x-content e2333-e52 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2d m1st-2h\"><p><div class=\"cs-content x-global-block x-global-block-2391 e2391-e0\"><div class=\"x-section e2391-e2 m1uf-0\"><div class=\"x-row e2391-e3 m1uf-1 m1uf-2 m1uf-6 m1uf-7\"><div class=\"x-row-inner\"><div class=\"x-col e2391-e4 m1uf-a m1uf-b\"><div class=\"x-row e2391-e5 m1uf-1 m1uf-3 m1uf-4 m1uf-6 m1uf-8\"><div class=\"x-row-inner\"><div class=\"x-col e2391-e6 m1uf-a m1uf-c\"><a class=\"x-image e2391-e7 m1uf-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-unitplus-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Top_unitplus_business_SZ.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e2391-e8 m1uf-e m1uf-f m1uf-g m1uf-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Unitplus Business<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2391-e9 m1uf-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e2391-e10 m1uf-e m1uf-g m1uf-i\"><div class=\"x-text-content\"><span class=\"x-graphic\" aria-hidden=\"true\"><i class=\"x-icon x-graphic-child x-graphic-icon x-graphic-primary\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/span><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/unitplus-firmentagesgeld\/\">Unitplus Business Firmentagesgeld im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2391-e11 m1uf-a m1uf-c\"><div class=\"x-grid x-container max width e2391-e12 m1uf-l\"><div class=\"x-cell e2391-e13 m1uf-m\"><div class=\"x-text x-text-headline e2391-e14 m1uf-e m1uf-h m1uf-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2391-e15 m1uf-n\"><p style=\"text-align: center;\">2,83 % p.a. ohne Laufzeitbeschr\u00e4nkung<\/p><\/div><\/div><div class=\"x-cell e2391-e16 m1uf-m\"><div class=\"x-text x-text-headline e2391-e17 m1uf-e m1uf-h m1uf-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2391-e18 m1uf-n\"><p style=\"text-align: center;\">T\u00e4glich<\/p><\/div><\/div><div class=\"x-cell e2391-e19 m1uf-m\"><div class=\"x-text x-text-headline e2391-e20 m1uf-e m1uf-h m1uf-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2391-e21 m1uf-n\"><p style=\"text-align: center;\">Keine Mindest- und Maximaleinlage<\/p><\/div><\/div><div class=\"x-cell e2391-e22 m1uf-m\"><div class=\"x-text x-text-headline e2391-e23 m1uf-e m1uf-h m1uf-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2391-e24 m1uf-n\"><p style=\"text-align: center;\">Mittelst\u00e4ndische Unternehmen &amp; Start-ups<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2391-e25 m1uf-1 m1uf-3 m1uf-5 m1uf-6 m1uf-9\"><div class=\"x-row-inner\"><div class=\"x-col e2391-e26 m1uf-a m1uf-c\"><a class=\"x-anchor x-anchor-button e2391-e27 m1uf-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-unitplus-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-2373 e2373-e0\"><div class=\"x-section e2373-e2 m1tx-0\"><div class=\"x-row e2373-e3 m1tx-1 m1tx-2 m1tx-6 m1tx-7\"><div class=\"x-row-inner\"><div class=\"x-col e2373-e4 m1tx-a m1tx-b\"><div class=\"x-row e2373-e5 m1tx-1 m1tx-3 m1tx-4 m1tx-6 m1tx-8\"><div class=\"x-row-inner\"><div class=\"x-col e2373-e6 m1tx-a m1tx-c\"><a class=\"x-image e2373-e7 m1tx-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Top_vivid_SZ.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e2373-e8 m1tx-e m1tx-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Vivid Business<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2373-e9 m1tx-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e2373-e10 m1tx-a m1tx-c\"><div class=\"x-grid x-container max width e2373-e11 m1tx-i\"><div class=\"x-cell e2373-e12 m1tx-j m1tx-k\"><div class=\"x-text x-text-headline e2373-e13 m1tx-e m1tx-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2373-e14 m1tx-m\"><p style=\"text-align: center;\">5\u202f% p.\u202fa. f\u00fcr 5 Monate<\/p><\/div><\/div><div class=\"x-cell e2373-e15 m1tx-j m1tx-l\"><div class=\"x-text x-text-headline e2373-e16 m1tx-e m1tx-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2373-e17 m1tx-m\"><p style=\"text-align: center;\">T\u00e4glich<\/p><\/div><\/div><div class=\"x-cell e2373-e18 m1tx-j m1tx-k\"><div class=\"x-text x-text-headline e2373-e19 m1tx-e m1tx-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2373-e20 m1tx-m\"><p style=\"text-align: center;\">Keine Mindesteinlage<\/p><\/div><\/div><div class=\"x-cell e2373-e21 m1tx-j m1tx-k\"><div class=\"x-text x-text-headline e2373-e22 m1tx-e m1tx-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2373-e23 m1tx-m\"><p style=\"text-align: center;\">Unternehmen und Freelancer<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2373-e24 m1tx-1 m1tx-3 m1tx-5 m1tx-6 m1tx-9\"><div class=\"x-row-inner\"><div class=\"x-col e2373-e25 m1tx-a m1tx-c\"><a class=\"x-anchor x-anchor-button e2373-e26 m1tx-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-3084 e3084-e0\"><div class=\"x-section e3084-e2 m2do-0\"><div class=\"x-row e3084-e3 m2do-1 m2do-2 m2do-6 m2do-7\"><div class=\"x-row-inner\"><div class=\"x-col e3084-e4 m2do-a m2do-b\"><div class=\"x-row e3084-e5 m2do-1 m2do-3 m2do-4 m2do-6 m2do-8\"><div class=\"x-row-inner\"><div class=\"x-col e3084-e6 m2do-a m2do-c\"><a class=\"x-image e3084-e7 m2do-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/11\/SZ_holvi_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3084-e8 m2do-e m2do-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Holvi<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3084-e9 m2do-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.6 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4.6 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e3084-e10 m2do-a m2do-c\"><div class=\"x-grid x-container max width e3084-e11 m2do-i\"><div class=\"x-cell e3084-e12 m2do-j\"><div class=\"x-text x-text-headline e3084-e13 m2do-e m2do-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3084-e14 m2do-k\"><p style=\"text-align: center;\">1,55 % p.a.<\/p><\/div><\/div><div class=\"x-cell e3084-e15 m2do-j\"><div class=\"x-text x-text-headline e3084-e16 m2do-e m2do-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3084-e17 m2do-k\"><p style=\"text-align: center;\">Monatlich<\/p><\/div><\/div><div class=\"x-cell e3084-e18 m2do-j\"><div class=\"x-text x-text-headline e3084-e19 m2do-e m2do-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3084-e20 m2do-k\"><p style=\"text-align: center;\">20 \u20ac Mindesteinlage &amp; keine Maximaleinlage<\/p><\/div><\/div><div class=\"x-cell e3084-e21 m2do-j\"><div class=\"x-text x-text-headline e3084-e22 m2do-e m2do-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3084-e23 m2do-k\"><p style=\"text-align: center;\">GmbHs &amp; UGs<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3084-e24 m2do-1 m2do-3 m2do-5 m2do-6 m2do-9\"><div class=\"x-row-inner\"><div class=\"x-col e3084-e25 m2do-a m2do-c\"><a class=\"x-anchor x-anchor-button e3084-e26 m2do-l\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-3596 e3596-e0\"><div class=\"x-section e3596-e2 m2rw-0\"><div class=\"x-row e3596-e3 m2rw-1 m2rw-2 m2rw-6 m2rw-7\"><div class=\"x-row-inner\"><div class=\"x-col e3596-e4 m2rw-a m2rw-b\"><div class=\"x-row e3596-e5 m2rw-1 m2rw-3 m2rw-4 m2rw-6 m2rw-8\"><div class=\"x-row-inner\"><div class=\"x-col e3596-e6 m2rw-a m2rw-c\"><a class=\"x-image e3596-e7 m2rw-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/05\/SZ_tide.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3596-e8 m2rw-e m2rw-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Tide<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3596-e9 m2rw-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.6 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4.6 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e3596-e10 m2rw-a m2rw-c\"><div class=\"x-grid x-container max width e3596-e11 m2rw-i\"><div class=\"x-cell e3596-e12 m2rw-j m2rw-k\"><div class=\"x-text x-text-headline e3596-e13 m2rw-e m2rw-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3596-e14 m2rw-m\"><p style=\"text-align: center;\">4,50 % p.a. f\u00fcr 4 Monate<\/p><\/div><\/div><div class=\"x-cell e3596-e15 m2rw-j m2rw-k\"><div class=\"x-text x-text-headline e3596-e16 m2rw-e m2rw-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3596-e17 m2rw-m\"><p style=\"text-align: center;\">Monatlich<\/p><\/div><\/div><div class=\"x-cell e3596-e18 m2rw-j m2rw-k\"><div class=\"x-text x-text-headline e3596-e19 m2rw-e m2rw-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3596-e20 m2rw-m\"><p style=\"text-align: center;\">Keine Mindesteinlage<\/p><\/div><\/div><div class=\"x-cell e3596-e21 m2rw-j m2rw-l\"><div class=\"x-text x-text-headline e3596-e22 m2rw-e m2rw-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3596-e23 m2rw-m\"><p style=\"text-align: center;\">Unternehmen &amp; Freelancer,<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3596-e24 m2rw-1 m2rw-3 m2rw-5 m2rw-6 m2rw-9\"><div class=\"x-row-inner\"><div class=\"x-col e3596-e25 m2rw-a m2rw-c\"><a class=\"x-anchor x-anchor-button e3596-e26 m2rw-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-4278 e4278-e0\"><div class=\"x-section e4278-e2 m3au-0\"><div class=\"x-row e4278-e3 m3au-1 m3au-2 m3au-6 m3au-7\"><div class=\"x-row-inner\"><div class=\"x-col e4278-e4 m3au-a m3au-b\"><div class=\"x-row e4278-e5 m3au-1 m3au-3 m3au-4 m3au-6 m3au-8\"><div class=\"x-row-inner\"><div class=\"x-col e4278-e6 m3au-a m3au-c\"><a class=\"x-image e4278-e7 m3au-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-zinskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/11\/SZ_finom_logo.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4278-e8 m3au-e m3au-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Finom<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4278-e9 m3au-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4278-e10 m3au-a m3au-c\"><div class=\"x-grid x-container max width e4278-e11 m3au-i\"><div class=\"x-cell e4278-e12 m3au-j m3au-k\"><div class=\"x-text x-text-headline e4278-e13 m3au-e m3au-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4278-e14 m3au-m\"><p style=\"text-align: center;\">5\u202f% p.\u202fa. f\u00fcr 5 Monate<\/p><\/div><\/div><div class=\"x-cell e4278-e15 m3au-j m3au-l\"><div class=\"x-text x-text-headline e4278-e16 m3au-e m3au-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4278-e17 m3au-m\"><p style=\"text-align: center;\">T\u00e4glich<\/p><\/div><\/div><div class=\"x-cell e4278-e18 m3au-j m3au-k\"><div class=\"x-text x-text-headline e4278-e19 m3au-e m3au-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4278-e20 m3au-m\"><p style=\"text-align: center;\">Keine Mindesteinlage<\/p><\/div><\/div><div class=\"x-cell e4278-e21 m3au-j m3au-k\"><div class=\"x-text x-text-headline e4278-e22 m3au-e m3au-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4278-e23 m3au-m\"><p style=\"text-align: center;\">Unternehmen und Freelancer<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4278-e24 m3au-1 m3au-3 m3au-5 m3au-6 m3au-9\"><div class=\"x-row-inner\"><div class=\"x-col e4278-e25 m3au-a m3au-c\"><a class=\"x-anchor x-anchor-button e4278-e26 m3au-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-zinskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-2377 e2377-e0\"><div class=\"x-section e2377-e2 m1u1-0\"><div class=\"x-row e2377-e3 m1u1-1 m1u1-2 m1u1-6 m1u1-7\"><div class=\"x-row-inner\"><div class=\"x-col e2377-e4 m1u1-a m1u1-b\"><div class=\"x-row e2377-e5 m1u1-1 m1u1-3 m1u1-4 m1u1-6 m1u1-8\"><div class=\"x-row-inner\"><div class=\"x-col e2377-e6 m1u1-a m1u1-c\"><a class=\"x-image e2377-e7 m1u1-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-ing-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/03\/SZ_ing.jpg\" width=\"125\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e2377-e8 m1u1-e m1u1-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>ING<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2377-e9 m1u1-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e2377-e10 m1u1-a m1u1-c\"><div class=\"x-grid x-container max width e2377-e11 m1u1-i\"><div class=\"x-cell e2377-e12 m1u1-j\"><div class=\"x-text x-text-headline e2377-e13 m1u1-e m1u1-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2377-e14 m1u1-k\"><p style=\"text-align: center;\">2,75\u202f % p.\u202fa. f\u00fcr 4 Monate<\/p><\/div><\/div><div class=\"x-cell e2377-e15 m1u1-j\"><div class=\"x-text x-text-headline e2377-e16 m1u1-e m1u1-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2377-e17 m1u1-k\"><p style=\"text-align: center;\">Monatlich<\/p><\/div><\/div><div class=\"x-cell e2377-e18 m1u1-j\"><div class=\"x-text x-text-headline e2377-e19 m1u1-e m1u1-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2377-e20 m1u1-k\"><p style=\"text-align: center;\">Keine Mindesteinlage und 5.000.000 \u20ac Maximaleinlage<\/p><\/div><\/div><div class=\"x-cell e2377-e21 m1u1-j\"><div class=\"x-text x-text-headline e2377-e22 m1u1-e m1u1-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2377-e23 m1u1-k\"><p style=\"text-align: center;\">Unternehmen und Selbstst\u00e4ndige, die seit mindestens einem Jahr operativ t\u00e4tig sind<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2377-e24 m1u1-1 m1u1-3 m1u1-5 m1u1-6 m1u1-9\"><div class=\"x-row-inner\"><div class=\"x-col e2377-e25 m1u1-a m1u1-c\"><a class=\"x-anchor x-anchor-button e2377-e26 m1u1-l\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-ing-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-2382 e2382-e0\"><div class=\"x-section e2382-e2 m1u6-0\"><div class=\"x-row e2382-e3 m1u6-1 m1u6-2 m1u6-6 m1u6-7\"><div class=\"x-row-inner\"><div class=\"x-col e2382-e4 m1u6-a m1u6-b\"><div class=\"x-row e2382-e5 m1u6-1 m1u6-3 m1u6-4 m1u6-6 m1u6-8\"><div class=\"x-row-inner\"><div class=\"x-col e2382-e6 m1u6-a m1u6-c\"><a class=\"x-image e2382-e7 m1u6-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-postbank-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/03\/SZ_postbank.jpg\" width=\"125\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e2382-e8 m1u6-e m1u6-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">Postbank<\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2382-e9 m1u6-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"2.5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      2.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e2382-e10 m1u6-a m1u6-c\"><div class=\"x-grid x-container max width e2382-e11 m1u6-i\"><div class=\"x-cell e2382-e12 m1u6-j\"><div class=\"x-text x-text-headline e2382-e13 m1u6-e m1u6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2382-e14 m1u6-k\"><p style=\"text-align: center;\">2,5 % p.a. f\u00fcr 5 Monate<\/p><\/div><\/div><div class=\"x-cell e2382-e15 m1u6-j\"><div class=\"x-text x-text-headline e2382-e16 m1u6-e m1u6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2382-e17 m1u6-k\"><p style=\"text-align: center;\">Quartalsweise<\/p><\/div><\/div><div class=\"x-cell e2382-e18 m1u6-j\"><div class=\"x-text x-text-headline e2382-e19 m1u6-e m1u6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2382-e20 m1u6-k\"><p style=\"text-align: center;\">Anlagebetrag: 2.500 \u20ac - 100.000 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2382-e21 m1u6-j\"><div class=\"x-text x-text-headline e2382-e22 m1u6-e m1u6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2382-e23 m1u6-k\"><p style=\"text-align: center;\">Einzelunternehmer, Freiberufler, Kapital- und Personengesellschaften<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2382-e24 m1u6-1 m1u6-3 m1u6-5 m1u6-6 m1u6-9\"><div class=\"x-row-inner\"><div class=\"x-col e2382-e25 m1u6-a m1u6-c\"><a class=\"x-anchor x-anchor-button e2382-e26 m1u6-l\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-postbank-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n<p><div class=\"cs-content x-global-block x-global-block-2386 e2386-e0\"><div class=\"x-section e2386-e2 m1ua-0\"><div class=\"x-row e2386-e3 m1ua-1 m1ua-2 m1ua-6 m1ua-7\"><div class=\"x-row-inner\"><div class=\"x-col e2386-e4 m1ua-a m1ua-b\"><div class=\"x-row e2386-e5 m1ua-1 m1ua-3 m1ua-4 m1ua-6 m1ua-8\"><div class=\"x-row-inner\"><div class=\"x-col e2386-e6 m1ua-a m1ua-c\"><a class=\"x-image e2386-e7 m1ua-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-unitplus-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/04\/SZ_fyrst.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e2386-e8 m1ua-e m1ua-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Fyrst<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2386-e9 m1ua-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"2.5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      2.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e2386-e10 m1ua-a m1ua-c\"><div class=\"x-grid x-container max width e2386-e11 m1ua-i\"><div class=\"x-cell e2386-e12 m1ua-j m1ua-k\"><div class=\"x-text x-text-headline e2386-e13 m1ua-e m1ua-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinssatz<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2386-e14 m1ua-m\"><p style=\"text-align: center;\">2,5 % f\u00fcr 5 Monate (danach 0,5 %)<\/p><\/div><\/div><div class=\"x-cell e2386-e15 m1ua-j m1ua-l\"><div class=\"x-text x-text-headline e2386-e16 m1ua-e m1ua-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zinsgutschrift<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2386-e17 m1ua-m\"><p style=\"text-align: center;\">Quartalsweise<\/p><\/div><\/div><div class=\"x-cell e2386-e18 m1ua-j m1ua-l\"><div class=\"x-text x-text-headline e2386-e19 m1ua-e m1ua-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Konditionen<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2386-e20 m1ua-m\"><p style=\"text-align: center;\">Anlagebetrag: 2.500 \u20ac - 250.000 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2386-e21 m1ua-j m1ua-l\"><div class=\"x-text x-text-headline e2386-e22 m1ua-e m1ua-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Zielgruppe<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2386-e23 m1ua-m\"><p style=\"text-align: center;\">Einzelunternehmer, Freiberufler, Kapital- und Personengesellschaften<\/p><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2386-e24 m1ua-1 m1ua-3 m1ua-5 m1ua-6 m1ua-9\"><div class=\"x-row-inner\"><div class=\"x-col e2386-e25 m1ua-a m1ua-c\"><a class=\"x-anchor x-anchor-button e2386-e26 m1ua-n\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-fyrst-firmentagesgeld\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zum Anbieter<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p><\/div><div class=\"x-acc e2333-e53 m1st-2y m1st-2z m1st-31 m1st-32\" id=\"x-acc-e2333-e53\"><div class=\"e2333-e54 x-acc-item\"><button id=\"tab-e2333-e54\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e54\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e54\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe5c5;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>So ist unser Vergleich zu Firmentagesgeld aufgebaut<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e54\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e54\" data-x-toggleable=\"e2333-e54\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e55 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\"><p>Wir haben f\u00fcr Sie eine Vielzahl aktueller Firmentagesgeldkonten gepr\u00fcft, mit dem Ziel, die ideale Kombination aus attraktiven Zinsen, hoher Sicherheit und fairen Konditionen f\u00fcr Unternehmen zu finden. Dabei haben wir die Angebote nach einem ausgewogenen Kriterienmodell bewertet.<\/p>\n\n<ul>\n \t<li><strong>Zinsen (50 %):<\/strong> Der Zinssatz ist das wichtigste Kriterium bei Firmentagesgeldkonten. Wir betrachten sowohl die H\u00f6he des Zinssatzes als auch die Dauer m\u00f6glicher Sonderzinsen. Entscheidend ist, wie dauerhaft und planbar die Verzinsung f\u00fcr Unternehmen ausf\u00e4llt.<\/li>\n \t<li><strong>Sicherheit (20 %):<\/strong> Da es um Gesch\u00e4ftsguthaben geht, spielt Einlagensicherung eine zentrale Rolle. Wir pr\u00fcfen, ob die Bank der gesetzlichen Einlagensicherung in Deutschland (bis 100.000 \u20ac pro Unternehmen) oder zus\u00e4tzlichen Sicherungssystemen angeschlossen ist. Auch Aspekte wie Transparenz, Bonit\u00e4t der Bank und m\u00f6gliche Sicherungsfonds werden ber\u00fccksichtigt.<\/li>\n \t<li><strong>Flexibilit\u00e4t (15 %):<\/strong> Ein Firmentagesgeldkonto sollte vor allem kurzfristige Liquidit\u00e4t gew\u00e4hrleisten. Wir bewerten, wie schnell und unkompliziert Unternehmen \u00fcber ihr Geld verf\u00fcgen k\u00f6nnen, ob unbegrenzte Ein- und Auszahlungen m\u00f6glich sind und ob es Mindest- oder H\u00f6chstanlagesummen gibt.<\/li>\n \t<li><strong>Zusatzleistungen (15 %):<\/strong> Einige Banken bieten \u00fcber die reine Verzinsung hinaus weitere Vorteile, etwa integrierte Gesch\u00e4ftskonten, einfache Schnittstellen zur Buchhaltung oder spezielle Serviceleistungen f\u00fcr Unternehmen. Solche Mehrwerte flie\u00dfen ebenfalls in unsere Bewertung ein.<\/li>\n<\/ul>\n<p><div id=\"footable_parent_2397\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"2397\" data-filter-delay=\"1000\" aria-label=\"Firmentagesgeld Vergleich Methodik\"            id=\"footable_2397\"\n           data-unique_identifier=\"ninja_table_unique_id_684162123_2397\"\n           class=\" foo-table ninja_footable foo_table_2397 ninja_table_unique_id_684162123_2397 ui table  ninja_search_right nt_type_legacy_table selectable striped vertical_centered  footable-paging-right ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                            <col class=\"ninja_column_5 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_anbieter \">Anbieter<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_zinssatz_70 \">Zinssatz (50%)<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_sicherheit_20 \">Sicherheit (20%)<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_anlagebetrag_10 \">Flexibilit\u00e4t (15%)<\/th><th scope=\"col\"  class=\"ninja_column_4 ninja_clmn_nm_zusatzleistungen_15 \">Zusatzleistungen (15%)<\/th><th scope=\"col\"  class=\"ninja_column_5 ninja_clmn_nm_gesamtbewertung \">Gesamtbewertung<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1208\" class=\"ninja_table_row_0 nt_row_id_1208\">\n            <td>Vivid<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td>        <\/tr>\n            <tr data-row_id=\"1210\" class=\"ninja_table_row_1 nt_row_id_1210\">\n            <td>Unitplus Business<\/td><td>5<\/td><td>4,8<\/td><td>4,3<\/td><td>4<\/td><td>4,7<\/td>        <\/tr>\n            <tr data-row_id=\"2199\" class=\"ninja_table_row_2 nt_row_id_2199\">\n            <td>Holvi<\/td><td>4,65<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td><td>4,6<\/td>        <\/tr>\n            <tr data-row_id=\"2704\" class=\"ninja_table_row_3 nt_row_id_2704\">\n            <td>Tide<\/td><td>4,65<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td><td>4,6<\/td>        <\/tr>\n            <tr data-row_id=\"1209\" class=\"ninja_table_row_4 nt_row_id_1209\">\n            <td>ING<\/td><td>4,5<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td><td>4,5<\/td>        <\/tr>\n            <tr data-row_id=\"1211\" class=\"ninja_table_row_5 nt_row_id_1211\">\n            <td>Postbank Business<\/td><td>2<\/td><td>5<\/td><td>3,5<\/td><td>2,5<\/td><td>2,5<\/td>        <\/tr>\n            <tr data-row_id=\"1212\" class=\"ninja_table_row_6 nt_row_id_1212\">\n            <td>Fyrst<\/td><td>2<\/td><td>5<\/td><td>3,5<\/td><td>2,5<\/td><td>2,5<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><div class=\"x-text x-content e2333-e56 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><\/div><div id=\"definition\" class=\"x-text x-text-headline e2333-e57 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Was ist Firmentagesgeld?\n<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e58 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><p>Firmentagesgeld (Business-Tagesgeld) ist ein verzinstes Guthabenkonto f\u00fcr Unternehmen, Vereine und andere Organisationen. Es ist keine Zahlfunktion (keine Karten\/Lastschriften), sondern dient als reines Anlage- bzw. Parkkonto mit t\u00e4glicher Verf\u00fcgbarkeit. Zinsen sind variabel und k\u00f6nnen vom Institut angepasst werden.<\/p>\n<p><strong>Typische Merkmale:<\/strong><\/p>\n\n<ul>\n \t<li>T\u00e4gliche Verf\u00fcgbarkeit (Same-Day\/N\u00e4chster Banktag)<\/li>\n \t<li>Variable Verzinsung (h\u00e4ufig mit Zinsstaffeln oder Volumenlimits)<\/li>\n \t<li>Gutschrift monatlich\/viertelj\u00e4hrlich<\/li>\n \t<li>Referenzkonto (meist Ihr <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a>) f\u00fcr Ein-\/Auszahlungen<\/li>\n \t<li>Einlagensicherung gem\u00e4\u00df Sitz des Instituts<\/li>\n<\/ul><\/div><div id=\"vergleich\" class=\"x-text x-text-headline e2333-e59 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Firmentagesgeld vs. Privat-Tagesgeld<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e60 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><div id=\"footable_parent_2358\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"2358\" data-filter-delay=\"1000\" aria-label=\"Firmentagesgeld vs Privattagesgeld\"            id=\"footable_2358\"\n           data-unique_identifier=\"ninja_table_unique_id_540940753_2358\"\n           class=\" foo-table ninja_footable foo_table_2358 ninja_table_unique_id_540940753_2358 ui table  ninja_search_right nt_type_legacy_table vertical_centered  footable-paging-right ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_kriterium \">Kriterium<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_firmentagesgeld \">Firmentagesgeld<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_privattagesgeld \">Privattagesgeld<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1100\" class=\"ninja_table_row_0 nt_row_id_1100\">\n            <td>Zweck<\/td><td>Liquidit\u00e4tsparkplatz f\u00fcr Unternehmen (Steuerr\u00fccklagen, Puffer, Projektmittel)<\/td><td>Private R\u00fccklagen & Notgroschen<\/td>        <\/tr>\n            <tr data-row_id=\"1101\" class=\"ninja_table_row_1 nt_row_id_1101\">\n            <td>Verf\u00fcgungsberechtigte<\/td><td>Mehrere Nutzer, Rollen & Vier-Augen-Prinzip m\u00f6glich<\/td><td>Meist Einzelperson\/Partner<\/td>        <\/tr>\n            <tr data-row_id=\"1102\" class=\"ninja_table_row_2 nt_row_id_1102\">\n            <td>Zahlungsfunktionen<\/td><td>Keine Karten\/Lastschriften; Buchungen nur zum Referenz-Gesch\u00e4ftskonto<\/td><td>Keine Karten\/Lastschriften; Buchungen zum privaten Referenzkonto<\/td>        <\/tr>\n            <tr data-row_id=\"1103\" class=\"ninja_table_row_3 nt_row_id_1103\">\n            <td>Zinsen<\/td><td>Variabel, oft Zinsstaffeln\/Volumenlimits<\/td><td>Variabel; h\u00e4ufiger Promotions\/Neukundenboni<\/td>        <\/tr>\n            <tr data-row_id=\"1104\" class=\"ninja_table_row_4 nt_row_id_1104\">\n            <td>Zinsgutschrift<\/td><td>Monatlich\/viertelj\u00e4hrlich<\/td><td>Monatlich\/viertelj\u00e4hrlich<\/td>        <\/tr>\n            <tr data-row_id=\"1105\" class=\"ninja_table_row_5 nt_row_id_1105\">\n            <td>Steuer<\/td><td>Kein Freistellungsauftrag; Zinsen als Betriebseinnahme (KSt\/GewSt\/E\u00dcR\/GuV)<\/td><td>Abgeltungsteuer; Freistellungsauftrag\/NV-Bescheinigung m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1106\" class=\"ninja_table_row_6 nt_row_id_1106\">\n            <td>Einlagensicherung<\/td><td>Gesetzlich (EU\/EWR) i. d. R. bis 100.000 \u20ac je Einleger & Bank; teils zus\u00e4tzliche Systeme<\/td><td>Gesetzlich (EU\/EWR) i. d. R. bis 100.000 \u20ac je Einleger & Bank; teils zus\u00e4tzliche Systeme<\/td>        <\/tr>\n            <tr data-row_id=\"1107\" class=\"ninja_table_row_7 nt_row_id_1107\">\n            <td>Anlagebetrag<\/td><td>H\u00f6here Anlagebetr\u00e4ge, erm\u00f6glicht bessere Konditionen<\/td><td>In der Regel geringere Anlagebetr\u00e4ge<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><div id=\"vorteile\" class=\"x-text x-text-headline e2333-e61 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Das sind die Vorteile von Firmentagesgeld\n<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e62 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><ul>\n \t<li><strong>Liquidit\u00e4t und Flexibilit\u00e4t:<\/strong> T\u00e4glich verf\u00fcgbar, ideal f\u00fcr Puffer, Steuerr\u00fccklagen, Projektmittel.<\/li>\n \t<li><strong>Planbarkeit:<\/strong> Kalkulierbarer Sollzins p. a. (variabel), regelm\u00e4\u00dfige Zinsgutschrift.<\/li>\n \t<li><strong>Sicherheit:<\/strong> Gesetzliche Einlagensicherung (je nach Land\/Bank), keine Kursvolatilit\u00e4t.<\/li>\n \t<li><strong>Prozesse und Compliance:<\/strong> Rechte-\/Rollen-Modelle, EBICS, DATEV-Export, klare Trennung zu Zahlungsverkehr.<\/li>\n \t<li><strong>Kostenkontrolle:<\/strong> Oft keine Kontof\u00fchrungsgeb\u00fchr; keine Ausgabeaufschl\u00e4ge\/Performance-Fees wie bei Anlagen.<\/li>\n<\/ul><\/div><div id=\"kriterien\" class=\"x-text x-text-headline e2333-e63 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie w\u00e4hlt man den richtigen Anbieter f\u00fcr Firmentagesgeld aus?<\/h2>\n<\/div><\/div><\/div><div class=\"x-grid e2333-e64 m1st-2m m1st-2o m1st-2p m1st-2r\"><div class=\"x-cell e2333-e65 m1st-2s m1st-2t m1st-2v m1st-2x\"><div class=\"x-text x-content e2333-e66 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2i\"><p style=\"text-align: center;\"><strong>Zinsen &amp; Konditionen<\/strong><\/p>\n\n<ul>\n \t<li>Effektivzins (variabel) &amp; Zinsgutschrift-Rhythmus (monatlich\/viertelj\u00e4hrlich)<\/li>\n \t<li>Zinsstaffeln\/Maximalvolumen (z. B. bis X \u20ac, dar\u00fcber reduzierter Satz)<\/li>\n \t<li>Zinsgarantien (selten, befristet) &amp; Neukundenaktionen (\u00dcbertragbarkeit auf Firmen?)<\/li>\n \t<li>W\u00e4hrung (EUR; ggf. USD\/GBP mit FX-Risiko)<\/li>\n<\/ul><\/div><\/div><div class=\"x-cell e2333-e67 m1st-2s m1st-2t m1st-2v m1st-2x\"><div class=\"x-text x-content e2333-e68 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2i\"><p style=\"text-align: center;\"><strong>Sicherheit &amp; Stabilit\u00e4t<\/strong><\/p>\n\n<ul>\n \t<li>Einlagensicherungssystem (Land, gesetzlich\/zus\u00e4tzlich)<\/li>\n \t<li>Institutstyp (Privatbank, Sparkasse, Genobank, Auslandsbank mit EU-Sicherung)<\/li>\n \t<li>Bonit\u00e4ts- &amp; L\u00e4nderrisiko (Rating, Aufsicht)<\/li>\n<\/ul><\/div><\/div><div class=\"x-cell e2333-e69 m1st-2s m1st-2t m1st-2v m1st-2x\"><div class=\"x-text x-content e2333-e70 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2i\"><p style=\"text-align: center;\"><strong>Operative Anforderungen<\/strong><\/p>\n\n<ul>\n \t<li>Zugriffsrechte &amp; Vier-Augen-Freigabe<\/li>\n \t<li>Schnittstellen: EBICS, FinTS\/HBCI, Kontoausz\u00fcge MT940\/942, DATEV<\/li>\n \t<li>Unterkonten\/virtuelle IBANs zur Mitteltrennung<\/li>\n \t<li>Transaktionscut-off (Uhrzeit f\u00fcr taggleiche Valuta)<\/li>\n<\/ul><\/div><\/div><div class=\"x-cell e2333-e71 m1st-2s m1st-2t m1st-2v m1st-2x\"><div class=\"x-text x-content e2333-e72 m1st-25 m1st-26 m1st-28 m1st-29 m1st-2d m1st-2i\"><p style=\"text-align: center;\"><strong>Service &amp; Kosten<\/strong><\/p>\n\n<ul>\n \t<li>Kontof\u00fchrungs-\/EBICS-Geb\u00fchren, Preismodelle<\/li>\n \t<li>Erreichbarkeit (Servicezeiten, dedizierte Firmenbetreuung)<\/li>\n \t<li>Onboarding-Geschwindigkeit (KYC\/Ident)<\/li>\n<\/ul><\/div><\/div><\/div><div id=\"unterlagen\" class=\"x-text x-text-headline e2333-e73 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Welche Unterlagen sind f\u00fcr die Er\u00f6ffnung eines Firmentagesgeldkontos erforderlich?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e74 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><p><strong>Allgemein (alle Rechtsformen)<\/strong><\/p>\n\n<ul>\n \t<li>Handelsregisterauszug (aktuell) bzw. Gewerbeanmeldung bei Einzelunternehmen<\/li>\n \t<li>Gesellschaftsvertrag\/Satzung und Gesellschafterliste<\/li>\n \t<li>Legitimationsdokumente aller gesetzlichen Vertreter (Personalausweis\/Reisepass)<\/li>\n \t<li>Wirtschaftlich Berechtigte (UBO) inkl. Erkl\u00e4rung nach GwG<\/li>\n \t<li>Steuer-ID\/Steuernummer, ggf. USt-IdNr.<\/li>\n \t<li>Gesch\u00e4ftsanschrift und Kontaktdaten<\/li>\n \t<li>Referenzkonto (IBAN) f\u00fcr Ein-\/Auszahlungen<\/li>\n \t<li>Unterschriftsregelungen\/Vollmachten (z. B. 4-Augen-Prinzip)<\/li>\n \t<li>PEP-\/Sanktionslisten-Abfragen (bankseitig), KYC-Fragebogen (Branche, Mittelherkunft)<\/li>\n<\/ul>\n<p><strong>Zus\u00e4tze je Rechtsform<\/strong><\/p>\n\n<ul>\n \t<li><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\">GmbH\/UG<\/a>\/AG: Aktueller HR-Auszug, Gesellschafterliste, Protokoll zum Vertretungsrecht (falls abweichend)<\/li>\n \t<li>OHG\/KG: Gesellschaftsvertrag inkl. Vertretungsregelung, HR-Auszug<\/li>\n \t<li><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-einzelunternehmen\/\">Einzelunternehmen<\/a>\/<a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-freiberufler\/\">Freiberufler<\/a>: Gewerbeanmeldung\/berufsst\u00e4ndischer Nachweis<\/li>\n \t<li>Verein\/Stiftung\/gGmbH: Satzung, Bestellungsnachweise des<\/li>\n \t<li>Vorstands\/Kuratoriums, Gemeinn\u00fctzigkeitsbescheid (falls relevant)<\/li>\n<\/ul>\n<p><strong>Optional\/je nach Bank<\/strong><\/p>\n\n<ul>\n \t<li>Wirtschaftsausk\u00fcnfte, Jahresabschluss\/BWA (bei hohen Volumina)<br \/>\nLEI ist i. d. R. nicht erforderlich (relevant bei Wertpapiergesch\u00e4ften, nicht bei Tagesgeld)<\/li>\n<\/ul><\/div><div id=\"prozess\" class=\"x-text x-text-headline e2333-e75 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie er\u00f6ffnet man ein Tagesgeldkonto f\u00fcr Gesch\u00e4ftskunden?\n<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e76 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><ol>\n \t<li><strong>Bedarf definieren:<\/strong> Zweck (R\u00fccklagen, Puffer), Zielvolumen, Mindestliquidit\u00e4t.<\/li>\n \t<li><strong>Anbieter shortlist:<\/strong> Nach obigen Kriterien (Zins, Sicherheit, Schnittstellen, Geb\u00fchren).<\/li>\n \t<li><strong>Konditionen pr\u00fcfen:<\/strong> Zinsstaffeln, Valuta-Regeln, Cut-off-Zeiten, Max.\/Min.-Betr\u00e4ge.<\/li>\n \t<li><strong>Antrag stellen (online\/Filiale):<\/strong> Angaben zu Firma, Vertretern, UBO, Referenzkonto.<\/li>\n \t<li><strong>Ident &amp; KYC:<\/strong> Video-Ident\/eID\/PostIdent f\u00fcr Verf\u00fcgungsberechtigte; Upload der Dokumente.<\/li>\n \t<li><strong>Rollen &amp; Freigaben einrichten:<\/strong> Vier-Augen-Prinzip, EBICS-Teilnehmer, Limits.<\/li>\n \t<li><strong>Schnittstellen anbinden:<\/strong> EBICS-Schl\u00fcssel, MT940\/942-Abruftest, DATEV-Export konfigurieren.<\/li>\n \t<li><strong>Erst\u00fcberweisung\/Valuta testen:<\/strong> Kleinbetrag ein\/aus, Buchungslauf &amp; Auszug pr\u00fcfen.<\/li>\n \t<li><strong>Buchhaltung &amp; Policies:<\/strong> Kontenrahmen (SKR), Freigabe-Workflow, Reporting (z. B. w\u00f6chentliche Liquidit\u00e4ts\u00fcbersicht).<\/li>\n<\/ol>\n<p><strong>Praxis-Tipp:<\/strong> Hinterlegen Sie <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-unterkonten\/\">Unterkonten<\/a> (falls angeboten) f\u00fcr Steuern, Sozialabgaben, Projekte. So bleiben Mittel zweckgebunden und Reporting wird einfacher.<\/p><\/div><div id=\"steuern\" class=\"x-text x-text-headline e2333-e77 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie wird Firmentagesgeld versteuert?\n<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e78 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><p>Zinsen aus Firmentagesgeld sind ganz normale Betriebseinnahmen. Die Bank beh\u00e4lt zun\u00e4chst Kapitalertragsteuer (25 %) plus Solidarit\u00e4tszuschlag (5,5 % auf die KapESt) ein, auch dann, wenn die Zinsen betrieblich sind. Diese Einbehalte sind nur Vorauszahlungen und werden bei der Steuererkl\u00e4rung wieder angerechnet\/erstattet. Ein Freistellungsauftrag (Sparer-Pauschbetrag) gilt nicht f\u00fcr Unternehmen.<\/p>\n<p><strong>So l\u00e4uft die Besteuerung je Rechtsform:<\/strong><\/p>\n\n<ul>\n \t<li><strong>Kapitalgesellschaft (z. B. GmbH\/AG):<\/strong> Zinsen erh\u00f6hen den Gewinn und werden mit K\u00f6rperschaftsteuer 15 % zzgl. Soli 5,5 % auf die KSt sowie Gewerbesteuer (je nach Hebesatz der Kommune) belastet. Die zuvor einbehaltene KapESt\/Soli wird auf die festgesetzte KSt\/Soli angerechnet (\u00dcbersch\u00fcsse werden erstattet).<\/li>\n \t<li><strong>Einzelunternehmen\/Personengesellschaft (OHG\/KG):<\/strong> Zinsen flie\u00dfen in den betrieblichen Gewinn und unterliegen der Einkommensteuer des\/der Unternehmer:in zzgl. Gewerbesteuer. Die Gewerbesteuer wird nach \u00a7 35 EStG pauschal auf die Einkommensteuer angerechnet (bis etwa zum Hebesatz 380 % oft nahezu vollst\u00e4ndig). Auch hier gilt: einbehaltene KapESt\/Soli werden angerechnet\/erstattet.<\/li>\n<\/ul><\/div><div id=\"risiken\" class=\"x-text x-text-headline e2333-e79 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Welche Risiken gibt es beim Tagesgeld f\u00fcr Firmen?\n<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e2333-e80 m1st-26 m1st-28 m1st-2a m1st-2b m1st-2c m1st-2d\"><ul>\n \t<li><strong>Zins\u00e4nderungsrisiko:<\/strong> Der Zinssatz ist variabel; bei sinkenden Marktzinsen f\u00e4llt die Rendite.<\/li>\n \t<li><strong>Inflationsrisiko:<\/strong> Realerwerbskraft kann trotz Zinsen sinken, wenn Inflation &gt; Zins.<\/li>\n \t<li><strong>Einlagensicherungs-Limit:<\/strong> Gesetzliche Sicherung in der EU i. d. R. bis 100.000 \u20ac je Einleger und Bank. H\u00f6here Guthaben sind nur durch zus\u00e4tzliche (freiwillige) Sicherungssysteme oder Streuung \u00fcber mehrere Banken\/Bankl\u00e4nder zu sch\u00fctzen.<\/li>\n \t<li><strong>Konzentrationsrisiko:<\/strong> Hohe Salden bei einem Institut\/Land erh\u00f6hen Klumpenrisiko.<\/li>\n \t<li><strong>Operatives Risiko:<\/strong> Fehlende Rechteverwaltung\/Phishing\/Fehl\u00fcberweisungen. Abhilfe: Limits, Vier-Augen-Freigaben, dedizierte Referenz-IBAN.<br \/>\nAbwicklungs-\/Cut-off-Risiko: Auszahlung nicht taggleich bei sp\u00e4ten Auftr\u00e4gen\/Feiertagen.<\/li>\n \t<li><strong>W\u00e4hrungsrisiko (Fremdw\u00e4hrung):<\/strong> EUR-Bilanztr\u00e4ger tragen FX-Schwankungen, wenn in USD\/GBP angelegt.<\/li>\n \t<li><strong>Regulatorisches Risiko:<\/strong> KYC-Nachforderungen, periodische Re-KYC-Pr\u00fcfungen k\u00f6nnen Mittel vor\u00fcbergehend \u201eon hold\u201c setzen, falls Unterlagen fehlen.<\/li>\n<\/ul><\/div><div id=\"faq\" class=\"x-text x-text-headline e2333-e81 m1st-1j m1st-1k m1st-1m m1st-1n\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">H\u00e4ufig gestellte Fragen zu Firmentagesgeld<\/h2>\n<\/div><\/div><\/div><div class=\"x-acc e2333-e82 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e82\"><div class=\"e2333-e83 x-acc-item\"><button id=\"tab-e2333-e83\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e83\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e83\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Sind die Einlagen auf einem Firmentagesgeldkonto gesichert?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e83\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e83\" data-x-toggleable=\"e2333-e83\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e84 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Ja. Firmentagesgeld unterliegt in der EU der gesetzlichen Einlagensicherung von bis zu 100.000 \u20ac je Einleger und Bank. Bei Instituten mit zus\u00e4tzlicher freiwilliger Sicherungseinrichtung kann der Schutz auch deutlich dar\u00fcber hinausgehen. Bei h\u00f6heren Betr\u00e4gen lohnt sich eine Streuung auf mehrere Banken.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e85 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e85\"><div class=\"e2333-e86 x-acc-item\"><button id=\"tab-e2333-e86\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e86\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e86\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Brauche ich ein Referenzkonto?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e86\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e86\" data-x-toggleable=\"e2333-e86\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e87 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">In der Regel ja. Firmentagesgeldkonten haben keine eigene Karten- oder \u00dcberweisungsfunktion, Ein- und Auszahlungen laufen daher \u00fcber ein hinterlegtes Referenzkonto, meist das bestehende Gesch\u00e4ftskonto des Unternehmens.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e88 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e88\"><div class=\"e2333-e89 x-acc-item\"><button id=\"tab-e2333-e89\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e89\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e89\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Welche Unternehmen d\u00fcrfen ein Firmentagesgeldkonto er\u00f6ffnen?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e89\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e89\" data-x-toggleable=\"e2333-e89\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e90 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\"><p>Ein Firmentagesgeldkonto k\u00f6nnen u. a. er\u00f6ffnen:<\/p>\n\n<ul>\n \t<li>Kapitalgesellschaften (GmbH, AG, UG)<\/li>\n \t<li>Personengesellschaften (OHG, KG, GbR)<\/li>\n \t<li>Einzelunternehmen &amp; Freiberufler<\/li>\n \t<li>Vereine, Stiftungen und Organisationen<\/li>\n<\/ul><\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e91 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e91\"><div class=\"e2333-e92 x-acc-item\"><button id=\"tab-e2333-e92\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e92\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e92\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Wie oft werden die Zinsen gutgeschrieben?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e92\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e92\" data-x-toggleable=\"e2333-e92\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e93 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Das h\u00e4ngt vom Anbieter ab. Viele Banken schreiben Zinsen monatlich oder viertelj\u00e4hrlich gut, einige moderne Anbieter wie Vivid oder Unitplus bieten inzwischen eine t\u00e4gliche Zinsgutschrift.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e94 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e94\"><div class=\"e2333-e95 x-acc-item\"><button id=\"tab-e2333-e95\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e95\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e95\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Was ist der Unterschied zwischen Firmentagesgeld und privatem Tagesgeld?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e95\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e95\" data-x-toggleable=\"e2333-e95\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e96 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Firmentagesgeld richtet sich an Unternehmen, Freiberufler und Vereine statt an Privatpersonen und dient der Anlage von Betriebsverm\u00f6gen statt privater Ersparnisse. Die Zinsertr\u00e4ge m\u00fcssen buchhalterisch sauber getrennt und je nach Rechtsform unterschiedlich versteuert werden, bei privatem Tagesgeld gilt dagegen die Abgeltungsteuer mit Sparerpauschbetrag.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e97 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e97\"><div class=\"e2333-e98 x-acc-item\"><button id=\"tab-e2333-e98\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e98\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e98\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Wie wird Firmentagesgeld versteuert?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e98\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e98\" data-x-toggleable=\"e2333-e98\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e99 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Das h\u00e4ngt von der Rechtsform ab. Bei Kapitalgesellschaften werden die Zinsen dem Gewinn zugerechnet und mit K\u00f6rperschaftsteuer, Soli und Gewerbesteuer belastet. Bei Einzelunternehmen und Personengesellschaften flie\u00dfen die Zinsen ebenfalls in den Gewinn ein und werden mit dem pers\u00f6nlichen Einkommensteuersatz zzgl. Gewerbesteuer versteuert.\n<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e100 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e100\"><div class=\"e2333-e101 x-acc-item\"><button id=\"tab-e2333-e101\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e101\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e101\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Gibt es eine Mindest- oder Maximaleinlage beim Firmentagesgeld?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e101\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e101\" data-x-toggleable=\"e2333-e101\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e102 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Das variiert stark je nach Bank. Viele Anbieter, darunter Vivid und Unitplus, verzichten komplett auf eine Mindest- oder Maximaleinlage. Andere Banken arbeiten mit Mindestbetr\u00e4gen oder gestaffelten Zinsmodellen ab einer bestimmten Summe.\n<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e2333-e103 m1st-2y m1st-32 m1st-33\" id=\"x-acc-e2333-e103\"><div class=\"e2333-e104 x-acc-item\"><button id=\"tab-e2333-e104\" class=\"x-acc-header\" role=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2333-e104\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2333-e104\" type=\"button\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong> Ist Firmentagesgeld auch f\u00fcr Freiberufler und Selbstst\u00e4ndige geeignet?<\/strong><\/span><\/span><\/button><div id=\"panel-e2333-e104\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2333-e104\" data-x-toggleable=\"e2333-e104\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2333-e105 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\">Ja, viele Anbieter \u00f6ffnen ihr Firmentagesgeld ausdr\u00fccklich auch f\u00fcr Freiberufler und Solo-Selbstst\u00e4ndige, teils mit niedrigeren Maximaleinlagen als f\u00fcr Kapitalgesellschaften.\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e2333-e106 m1st-0 m1st-2 m1st-4\"><div class=\"x-row e2333-e107 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-e m1st-f m1st-t m1st-11\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e108 m1st-17\"><div class=\"x-row x-container max width e2333-e109 m1st-6 m1st-7 m1st-8 m1st-9 m1st-a m1st-b m1st-c m1st-d m1st-g m1st-h m1st-i m1st-j m1st-v m1st-12\"><div class=\"x-row-inner\"><div class=\"x-col e2333-e110 m1st-17\"><div class=\"x-text x-content e2333-e111 m1st-25 m1st-26 m1st-27 m1st-28 m1st-29\"><div class=\"cs-content x-global-block x-global-block-5595 e5595-e0\"><div class=\"x-section e5595-e2 m4bf-0\"><div class=\"x-row x-container max width e5595-e3 m4bf-2 m4bf-3 m4bf-5 m4bf-6\"><div class=\"x-row-inner\"><div class=\"x-col e5595-e4 m4bf-9\"><div class=\"x-row e5595-e5 m4bf-2 m4bf-3 m4bf-5 m4bf-7\"><div class=\"x-row-inner\"><div class=\"x-col e5595-e6 m4bf-9\"><div id=\"faq\" class=\"x-text x-text-headline e5595-e7 m4bf-b\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Unsere Konto-Vergleiche<\/h2>\n<\/div><\/div><\/div><ul class=\"x-row e5595-e8 m4bf-2 m4bf-4 m4bf-8\"><div class=\"x-row-inner\"><li class=\"x-col e5595-e9 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e10 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e11 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e12 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e13 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-vergleich\/\">Girokonto Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e14 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e15 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e16 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e17 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e18 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-gebuehren\/\">Girokonto ohne Geb\u00fchren<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e19 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e20 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e21 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e22 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e23 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kostenloses-girokonto-ohne-mindesteingang\/\">Kostenloses Girokonto ohne Mindesteingang<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e24 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e25 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e26 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e27 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e28 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-kreditkarte\/\">Girokonto mit Kreditkarte<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e29 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e30 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e31 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e32 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e33 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-fuer-studenten\/\" data-wplink-edit=\"true\">Girokonto f\u00fcr Studenten<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e34 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e35 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e36 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e37 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e38 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-schufa\/\">Girokonto ohne Schufa<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e39 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e40 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e41 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e42 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e43 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-unterkonten\/\">Girokonto mit Unterkonten<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e44 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e45 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e46 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e47 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e48 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/schuelerkonto\/\">Sch\u00fclerkonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e49 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e50 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e51 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e52 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e53 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kinderkonto-vergleich\/\">Kinderkonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e54 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e55 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e56 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e57 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e58 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/sparkonto-vergleich\/\">Sparkonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e59 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e60 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e61 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e62 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e63 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/tagesgeld-vergleich\/\">Tagesgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e64 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e65 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e66 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e67 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e68 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kostenloses-tagesgeldkonto\/\">Kostenloses Tagesgeldkonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e69 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e70 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e71 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e72 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e73 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/festgeld-vergleich\/\">Festgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e74 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e75 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e76 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e77 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e78 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/\">Firmentagesgeld<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e79 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e80 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e81 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e82 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e83 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e84 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e85 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e86 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e87 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e88 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/kostenloses-geschaeftskonto\/\">Kostenloses Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e89 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e90 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e91 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e92 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e93 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-einzelunternehmen\/\" data-wplink-edit=\"true\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e94 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e95 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e96 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e97 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e98 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\">Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e99 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e100 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e101 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e102 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e103 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-freiberufler\/\">Gesch\u00e4ftskonto f\u00fcr Freiberufler &amp; Selbstst\u00e4ndige<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e104 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e105 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e106 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e107 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e108 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmenfestgeld\/\">Firmenfestgeld<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e109 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e110 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e111 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e112 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e113 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/gemeinschaftskonto\/\">Gemeinschaftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e114 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e115 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e116 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e117 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e118 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geldanlage-fuer-unternehmen\/\">Geldanlage f\u00fcr Unternehmen<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e119 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e120 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e121 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e122 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e123 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-zinsen\/\">Girokonto mit Zinsen<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e124 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e125 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e126 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e127 m4bf-d m4bf-e m4bf-1 x-effect-exit\" data-x-effect=\"{&quot;scroll&quot;:true,&quot;offsetTop&quot;:&quot;10%&quot;,&quot;offsetBottom&quot;:&quot;15%&quot;,&quot;behaviorScroll&quot;:&quot;fire-once&quot;}\"><div class=\"x-text x-content e5595-e128 m4bf-g\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-praemie\/\">Girokonto mit Pr\u00e4mie<\/a><\/div><\/div><\/li><li class=\"x-col e5595-e129 m4bf-9 m4bf-a\"><figure class=\"x-div e5595-e130 m4bf-c m4bf-d\"><i class=\"x-icon e5595-e131 m4bf-f\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e5595-e132 m4bf-d m4bf-e m4bf-1 x-effect-exit\" 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More<\/a><\/div>\n","protected":false},"author":2,"featured_media":0,"parent":243,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":{"footnotes":""},"class_list":["post-2333","page","type-page","status-publish","hentry","no-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Firmentagesgeld September 2026 - Jetzt bis zu 5 % Zinsen sichern<\/title>\n<meta name=\"description\" content=\"Firmentagesgeld Vergleich: Finden Sie die besten Konten f\u00fcr Unternehmen! 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