{"id":3172,"date":"2025-12-03T07:21:56","date_gmt":"2025-12-03T07:21:56","guid":{"rendered":"https:\/\/sueddeutsche-edit.grc-media.com\/finanzvergleich\/?page_id=3172"},"modified":"2026-05-04T11:43:47","modified_gmt":"2026-05-04T10:43:47","slug":"geschaeftskonto-fuer-gmbh-ug","status":"publish","type":"page","link":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/","title":{"rendered":"Gesch\u00e4ftskonto f\u00fcr GmbH &#038; UG"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div class=\"x-section e3172-e1 m2g4-0 m2g4-1 m2g4-2\"><div class=\"x-row x-container max width e3172-e2 m2g4-7 m2g4-8 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-e m2g4-r m2g4-s\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e3 m2g4-14\"><div class=\"x-text x-text-headline e3172-e4 m2g4-1d m2g4-1e m2g4-1f m2g4-1g m2g4-1h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><span class=\"x-text-content-text-primary\">Konto<\/span>\n<\/div><\/div><\/div><div class=\"x-text x-text-headline e3172-e5 m2g4-1e m2g4-1g m2g4-1i m2g4-1j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG im Vergleich 2025<\/h1>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e6 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1t\">4 Mai 2026 I Lesezeit: 11 Min.<\/div><div class=\"x-row e3172-e7 m2g4-7 m2g4-9 m2g4-b m2g4-d m2g4-f m2g4-g m2g4-h m2g4-t m2g4-u\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e8 m2g4-14\"><div class=\"x-anchor x-anchor-toggle has-graphic e3172-e9 m2g4-27 m2g4-28 m2g4-29 m2g4-2a m2g4-2b m2g4-2c m2g4-2d\" tabindex=\"0\" role=\"button\" data-x-toggle=\"1\" data-x-toggleable=\"e3172-e9\" data-x-toggle-hover=\"1\" aria-controls=\"e3172-e9-dropdown\" aria-expanded=\"false\" aria-haspopup=\"true\" aria-label=\"Toggle Dropdown Content\"><div class=\"x-anchor-content\"><span class=\"x-graphic\" aria-hidden=\"true\"><span class=\"x-image x-graphic-child x-graphic-image x-graphic-primary\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/10\/Amalia_Albv.png\" width=\"40\" height=\"40\" alt=\"Image\" loading=\"lazy\"><\/span><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Autor: Amalia Alibaev<\/span><span class=\"x-anchor-text-secondary\">Redakteurin<\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-text x-content e3172-e12 m2g4-1n m2g4-1o m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20 m2g4-21\">Eine GmbH oder UG braucht ein Gesch\u00e4ftskonto, das mehr leistet als nur den t\u00e4glichen Zahlungsverkehr abzuwickeln. \u00dcber das Konto laufen Stammkapital, laufende Einnahmen und Ausgaben, Steuerzahlungen und h\u00e4ufig auch Geh\u00e4lter, weshalb klare Prozesse, verl\u00e4ssliche Sicherheitsmechanismen und planbare Kosten besonders wichtig sind. In unserem Vergleich zeigen wir, welche Kontomodelle f\u00fcr Kapitalgesellschaften geeignet sind, worauf Sie bei Preisverzeichnissen, Nutzerrechten und Karten achten sollten und wie Sie ein Konto finden, das zu Gr\u00f6\u00dfe und Arbeitsweise Ihres Unternehmens passt.<\/div><div class=\"x-acc e3172-e13 m2g4-2j m2g4-2k m2g4-2l m2g4-2m\" id=\"x-acc-e3172-e13\"><div class=\"e3172-e14 x-acc-item\"><button id=\"tab-e3172-e14\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e14\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e14\"><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-e3172-e14\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e14\" data-x-toggleable=\"e3172-e14\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e15 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-1v m2g4-20 m2g4-22\"><ol>\n \t<li><a href=\"#nutzen\">Pflicht oder K\u00fcr? Warum GmbH und UG ein Gesch\u00e4ftskonto praktisch immer brauchen<\/a><\/li>\n \t<li><a href=\"#vergleich\">Wie funktioniert unser Vergleich?<\/a><\/li>\n \t<li><a href=\"#auswahl\">Was ein GmbH\/UG-Konto k\u00f6nnen muss<\/a><\/li>\n \t<li><a href=\"#kosten\">Kostenfallen vermeiden: So lesen Sie Preisverzeichnisse richtig<\/a><\/li>\n \t<li><a href=\"#prozess\">Kontoer\u00f6ffnung und KYC: So l\u00e4uft es bei GmbH und UG wirklich ab<\/a><\/li>\n \t<li><a href=\"#sicherheit\">Sicherheit und Haftung: Warum Schutzmechanismen bei Kapitalgesellschaften besonders wichtig sind<\/a><\/li>\n \t<li><a href=\"#gr\u00fcndung\">Gr\u00fcndungskonto und Stammkapital: Worauf Sie bei der Einzahlung achten sollten<\/a><\/li>\n \t<li><a href=\"#faq\">H\u00e4ufig gestellte Fragen zu Gesch\u00e4ftskonten f\u00fcr GmbH &amp; UG<\/a><\/li>\n<\/ol><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3172-e16 m2g4-7 m2g4-8 m2g4-9 m2g4-a m2g4-d m2g4-g m2g4-h m2g4-i m2g4-t m2g4-v\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e17 m2g4-14\"><div class=\"x-text x-text-headline e3172-e18 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><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-grid e3172-e19 m2g4-2q\"><div class=\"x-cell e3172-e20 m2g4-2r\"><i class=\"x-icon e3172-e21 m2g4-2s m2g4-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xf002;\"><\/i><div class=\"x-text x-content e3172-e22 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-20 m2g4-23\">23 \u00fcberpr\u00fcfte Produkte<\/div><\/div><div class=\"x-cell e3172-e23 m2g4-2r\"><i class=\"x-icon e3172-e24 m2g4-2s m2g4-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xf643;\"><\/i><div class=\"x-text x-content e3172-e25 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-20 m2g4-23\">12 verzinste Gesch\u00e4ftskonten<\/div><\/div><div class=\"x-cell e3172-e26 m2g4-2r\"><i class=\"x-icon e3172-e27 m2g4-2s m2g4-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xe0c8;\"><\/i><div class=\"x-text x-content e3172-e28 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-20 m2g4-23\"><p style=\"text-align: center;\">15 kostenlose Gesch\u00e4ftskonten<\/p><\/div><\/div><\/div><div class=\"x-text x-content e3172-e29 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-20 m2g4-23\"><ul>\n \t<li>Ein <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a> ist f\u00fcr GmbH und UG in der Praxis unverzichtbar, weil Sie das <strong>Gesellschaftsverm\u00f6gen klar vom Privatverm\u00f6gen trennen m\u00fcssen<\/strong> und auch die <strong>Einzahlung des Stammkapitals<\/strong> dar\u00fcber l\u00e4uft. Au\u00dferdem werden dar\u00fcber Steuern, laufende Kosten und oft auch Geh\u00e4lter abgewickelt, was Buchhaltung und Jahresabschluss deutlich erleichtert.<\/li>\n \t<li>Beim Vergleich lohnt sich ein Blick auf <strong>schnellen Zahlungsverkehr<\/strong>. Echtzeit\u00fcberweisungen werden im Euroraum zunehmend Standard und k\u00f6nnen bei dringenden Zahlungen die Liquidit\u00e4t und Abl\u00e4ufe sp\u00fcrbar verbessern, sofern Konditionen und Service zu Ihrer Organisation passen.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3172-e30 m2g4-0 m2g4-1 m2g4-3\"><div class=\"x-row x-container max width e3172-e31 m2g4-7 m2g4-8 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-e m2g4-r m2g4-w\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e32 m2g4-14\"><div class=\"x-text x-text-headline e3172-e33 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG im Vergleich im Mai 2026<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e34 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1r m2g4-1s m2g4-20 m2g4-23\"><p>Unser Vergleich verschafft Ihnen einen transparenten \u00dcberblick \u00fcber Gesch\u00e4ftskonten f\u00fcr GmbHs und UGs in Deutschland. Wir haben die Angebote sorgf\u00e4ltig gepr\u00fcft und \u00fcbersichtlich aufbereitet, damit Sie schnell erkennen, welches Konto zu Ihrem Unternehmen passt.<\/p>\n<p><strong>Diese Kriterien helfen beim Vergleich:<\/strong><\/p>\n\n<ul>\n \t<li><strong>Geb\u00fchren:<\/strong> Kontof\u00fchrung, Buchungsposten, Kartenkosten, Bargeld, Fremdw\u00e4hrung und Auslandsentgelte<\/li>\n \t<li><strong>Funktionen:<\/strong> Exporte f\u00fcr Buchhaltung und Steuer, Schnittstellen, Unterkonten, Belegupload, SEPA-Lastschrift<\/li>\n \t<li><strong>Zahlungen:<\/strong> Karten f\u00fcr Online und station\u00e4r, Mobile Payment, Auslands\u00fcberweisungen, Bargeldeinzahlung und Abhebung<\/li>\n \t<li><strong>Rechte:<\/strong> Mehrere Nutzer, Rollen, Limits, Freigaben und Protokolle<\/li>\n \t<li><strong>Finanzierung und Zinsen:<\/strong> Dispo oder Kreditlinie, Konditionen, m\u00f6gliche Guthabenverzinsung und R\u00fccklagenfunktionen<\/li>\n \t<li><strong>Sicherheit und Recht:<\/strong> Zwei-Faktor-Authentifizierung, Betrugsschutz, Einlagensicherung, saubere Legitimation und Pr\u00fcfprozesse bei der Kontoer\u00f6ffnung<\/li>\n<\/ul><\/div><div class=\"x-text x-content e3172-e35 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1z m2g4-20 m2g4-24\"><p><div class=\"cs-content x-global-block x-global-block-1104 e1104-e0\"><div class=\"x-section e1104-e2 muo-0\"><div class=\"x-row e1104-e3 muo-1 muo-2 muo-6 muo-7\"><div class=\"x-row-inner\"><div class=\"x-col e1104-e4 muo-a muo-b\"><div class=\"x-row e1104-e5 muo-1 muo-3 muo-4 muo-6 muo-8\"><div class=\"x-row-inner\"><div class=\"x-col e1104-e6 muo-a muo-c\"><div class=\"x-anchor x-anchor-button has-graphic e1104-e7 muo-d muo-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">5 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e1104-e8 muo-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-business\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/04\/SZ_vivid.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e1104-e9 muo-h muo-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>vivid Business Basic<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e1104-e10 muo-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.8 \/ 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      4.8 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e1104-e11 muo-a muo-c\"><div class=\"x-grid x-container max width e1104-e12 muo-l\"><div class=\"x-cell e1104-e13 muo-m\"><div class=\"x-text x-text-headline e1104-e14 muo-h muo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1104-e15 muo-n muo-o\"><p style=\"text-align: center;\">GbR, OHG, KG, UG, GmbH &amp; AG<\/p><\/div><\/div><div class=\"x-cell e1104-e16 muo-m\"><div class=\"x-text x-text-headline e1104-e17 muo-h muo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1104-e18 muo-n muo-o\"><p style=\"text-align: center;\">2 Monate kostenlos, danach 6,90 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e1104-e19 muo-m\"><div class=\"x-text x-text-headline e1104-e20 muo-h muo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1104-e21 muo-n muo-o\"><p style=\"text-align: center;\">Unbegrenzte Anzahl an Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e1104-e22 muo-m\"><div class=\"x-text x-text-headline e1104-e23 muo-h muo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1104-e24 muo-n muo-o\"><p style=\"text-align: center;\">Kostenlos und unbegrenzt<\/p><\/div><\/div><\/div><div class=\"x-acc e1104-e25 muo-q\" id=\"x-acc-e1104-e25\"><div class=\"e1104-e26 x-acc-item\"><p id=\"tab-e1104-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e1104-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e1104-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e1104-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e1104-e26\" data-x-toggleable=\"e1104-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e1104-e27 muo-n muo-p\"><div id=\"footable_parent_2514\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"2514\" data-filter-delay=\"1000\" aria-label=\"Vivid Business Basic Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2514\"\n           data-unique_identifier=\"ninja_table_unique_id_3070741382_2514\"\n           class=\" foo-table ninja_footable foo_table_2514 ninja_table_unique_id_3070741382_2514 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1560\" class=\"ninja_table_row_0 nt_row_id_1560\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>GbR, OHG, KG, UG, GmbH & AG<\/td>        <\/tr>\n            <tr data-row_id=\"1561\" class=\"ninja_table_row_1 nt_row_id_1561\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>2 Monate kostenlos, danach 6,90 \u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"1562\" class=\"ninja_table_row_2 nt_row_id_1562\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"1565\" class=\"ninja_table_row_3 nt_row_id_1565\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1572\" class=\"ninja_table_row_4 nt_row_id_1572\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzte Anzahl an Unterkonten mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"1567\" class=\"ninja_table_row_5 nt_row_id_1567\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>bis 200\u20ac p.M. kostenlos, danach 1%<\/td>        <\/tr>\n            <tr data-row_id=\"1568\" class=\"ninja_table_row_6 nt_row_id_1568\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"1569\" class=\"ninja_table_row_7 nt_row_id_1569\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1570\" class=\"ninja_table_row_8 nt_row_id_1570\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Kein Girokonto, sondern E-Geld-Konto, keine gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1571\" class=\"ninja_table_row_9 nt_row_id_1571\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1573\" class=\"ninja_table_row_10 nt_row_id_1573\">\n            <td><strong>Extras<\/strong><\/td><td>0,1 % Cashback auf Kartenzahlungen, kostenloses Tagesgeld-Konto & ohne Schufa-Abfrage<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e1104-e28 muo-1 muo-3 muo-5 muo-6 muo-9\"><div class=\"x-row-inner\"><div class=\"x-col e1104-e29 muo-a muo-c\"><a class=\"x-anchor x-anchor-button e1104-e30 muo-d muo-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-vivid-business\" 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-1112 e1112-e0\"><div class=\"x-section e1112-e2 muw-0\"><div class=\"x-row e1112-e3 muw-1 muw-2 muw-6 muw-7\"><div class=\"x-row-inner\"><div class=\"x-col e1112-e4 muw-a muw-b\"><div class=\"x-row e1112-e5 muw-1 muw-3 muw-4 muw-6 muw-8\"><div class=\"x-row-inner\"><div class=\"x-col e1112-e6 muw-a muw-c\"><div class=\"x-anchor x-anchor-button has-graphic e1112-e7 muw-d muw-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">3 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e1112-e8 muw-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-fyrst-business\" 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 e1112-e9 muw-h muw-i muw-j muw-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Fyrst Base<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e1112-e10 muw-n\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.7 \/ 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      4.7 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e1112-e11 muw-h muw-j muw-l\"><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\/geschaeftskonto\/fyrst-base\/\">Fyrst Base Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e1112-e12 muw-a muw-c\"><div class=\"x-grid x-container max width e1112-e13 muw-o\"><div class=\"x-cell e1112-e14 muw-p\"><div class=\"x-text x-text-headline e1112-e15 muw-h muw-k muw-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1112-e16 muw-q muw-r\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e1112-e17 muw-p\"><div class=\"x-text x-text-headline e1112-e18 muw-h muw-k muw-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1112-e19 muw-q muw-r\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e1112-e20 muw-p\"><div class=\"x-text x-text-headline e1112-e21 muw-h muw-k muw-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1112-e22 muw-q muw-r\"><p style=\"text-align: center;\">6 \u20ac p.M. f\u00fcr ein Unterkonto mit eigener IBAN, unbegrenzte Anzahl an Nutzern<\/p><\/div><\/div><div class=\"x-cell e1112-e23 muw-p\"><div class=\"x-text x-text-headline e1112-e24 muw-h muw-k muw-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1112-e25 muw-q muw-r\"><p style=\"text-align: center;\">50 kostenlos, danach 0,19 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e1112-e26 muw-t\" id=\"x-acc-e1112-e26\"><div class=\"e1112-e27 x-acc-item\"><p id=\"tab-e1112-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e1112-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e1112-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e1112-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e1112-e27\" data-x-toggleable=\"e1112-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e1112-e28 muw-q muw-s\"><div id=\"footable_parent_2519\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_1\" data-footable_id=\"2519\" data-filter-delay=\"1000\" aria-label=\"Fyrst Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2519\"\n           data-unique_identifier=\"ninja_table_unique_id_2926708668_2519\"\n           class=\" foo-table ninja_footable foo_table_2519 ninja_table_unique_id_2926708668_2519 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1604\" class=\"ninja_table_row_0 nt_row_id_1604\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"1605\" class=\"ninja_table_row_1 nt_row_id_1605\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1606\" class=\"ninja_table_row_2 nt_row_id_1606\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>50, sonst 0,19 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"1607\" class=\"ninja_table_row_3 nt_row_id_1607\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1613\" class=\"ninja_table_row_4 nt_row_id_1613\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>6\u20ac p.M. f\u00fcr ein zus\u00e4tzliches Unterkonto mit eigener IBAN, unbegrenzte Anzahl an Nutzern<\/td>        <\/tr>\n            <tr data-row_id=\"1608\" class=\"ninja_table_row_5 nt_row_id_1608\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>0 \u20ac an Automaten der Cash Group<\/td>        <\/tr>\n            <tr data-row_id=\"1609\" class=\"ninja_table_row_6 nt_row_id_1609\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2,35 %<\/td>        <\/tr>\n            <tr data-row_id=\"1610\" class=\"ninja_table_row_7 nt_row_id_1610\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Je angefangene 5.000\u20ac kostet eine Bargeldeinzahlung 3\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1611\" class=\"ninja_table_row_8 nt_row_id_1611\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Einlagen sind gesetzlich bis 100.000 \u20ac pro Einleger \u00fcber die EdB gesichert; zus\u00e4tzlich bis 437.500 \u20ac \u00fcber den Einlagensicherungsfonds des BdB<\/td>        <\/tr>\n            <tr data-row_id=\"1612\" class=\"ninja_table_row_9 nt_row_id_1612\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1614\" class=\"ninja_table_row_10 nt_row_id_1614\">\n            <td><strong>Extras<\/strong><\/td><td>Kostenloses Tagesgeld-Konto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e1112-e29 muw-1 muw-3 muw-5 muw-6 muw-9\"><div class=\"x-row-inner\"><div class=\"x-col e1112-e30 muw-a muw-c\"><a class=\"x-anchor x-anchor-button e1112-e31 muw-d muw-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-fyrst-business\" 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-3070 e3070-e0\"><div class=\"x-section e3070-e2 m2da-0\"><div class=\"x-row e3070-e3 m2da-1 m2da-2 m2da-6 m2da-7\"><div class=\"x-row-inner\"><div class=\"x-col e3070-e4 m2da-a m2da-b\"><div class=\"x-row e3070-e5 m2da-1 m2da-3 m2da-4 m2da-6 m2da-8\"><div class=\"x-row-inner\"><div class=\"x-col e3070-e6 m2da-a m2da-c\"><a class=\"x-image e3070-e7 m2da-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-flex\" 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 e3070-e8 m2da-e m2da-f m2da-g m2da-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Holvi Flex<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3070-e9 m2da-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.3 \/ 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      4.3 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3070-e10 m2da-e m2da-g m2da-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\/geschaeftskonto\/holvi-flex\/\">Holvi Flex Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3070-e11 m2da-a m2da-c\"><div class=\"x-grid x-container max width e3070-e12 m2da-l\"><div class=\"x-cell e3070-e13 m2da-m\"><div class=\"x-text x-text-headline e3070-e14 m2da-e m2da-h m2da-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3070-e15 m2da-n m2da-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e3070-e16 m2da-m\"><div class=\"x-text x-text-headline e3070-e17 m2da-e m2da-h m2da-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3070-e18 m2da-n m2da-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3070-e19 m2da-m\"><div class=\"x-text x-text-headline e3070-e20 m2da-e m2da-h m2da-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3070-e21 m2da-n m2da-o\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e3070-e22 m2da-m\"><div class=\"x-text x-text-headline e3070-e23 m2da-e m2da-h m2da-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3070-e24 m2da-n m2da-o\"><p style=\"text-align: center;\">0,25 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3070-e25 m2da-q\" id=\"x-acc-e3070-e25\"><div class=\"e3070-e26 x-acc-item\"><p id=\"tab-e3070-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3070-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3070-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3070-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3070-e26\" data-x-toggleable=\"e3070-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3070-e27 m2da-n m2da-p\"><div id=\"footable_parent_3069\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_2\" data-footable_id=\"3069\" data-filter-delay=\"1000\" aria-label=\"Holvi Flex Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3069\"\n           data-unique_identifier=\"ninja_table_unique_id_767202021_3069\"\n           class=\" foo-table ninja_footable foo_table_3069 ninja_table_unique_id_767202021_3069 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2089\" class=\"ninja_table_row_0 nt_row_id_2089\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2090\" class=\"ninja_table_row_1 nt_row_id_2090\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2091\" class=\"ninja_table_row_2 nt_row_id_2091\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Keine kostenlos, pro Buchung 0,25 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2092\" class=\"ninja_table_row_3 nt_row_id_2092\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>1 virtuelle Debitkarte inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2098\" class=\"ninja_table_row_4 nt_row_id_2098\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>0<\/td>        <\/tr>\n            <tr data-row_id=\"2093\" class=\"ninja_table_row_5 nt_row_id_2093\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2,5 %<\/td>        <\/tr>\n            <tr data-row_id=\"2094\" class=\"ninja_table_row_6 nt_row_id_2094\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2,5 %<\/td>        <\/tr>\n            <tr data-row_id=\"2095\" class=\"ninja_table_row_7 nt_row_id_2095\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"2096\" class=\"ninja_table_row_8 nt_row_id_2096\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Gelder liegen bei Nordea Bank und Aktia Bank (Finland)<\/td>        <\/tr>\n            <tr data-row_id=\"2097\" class=\"ninja_table_row_9 nt_row_id_2097\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2099\" class=\"ninja_table_row_10 nt_row_id_2099\">\n            <td><strong>Extras<\/strong><\/td><td>Bis zu 4,00 % p. a. auf Geldmarktfonds f\u00fcr neue GmbHs\/UGs<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3070-e28 m2da-1 m2da-3 m2da-5 m2da-6 m2da-9\"><div class=\"x-row-inner\"><div class=\"x-col e3070-e29 m2da-a m2da-c\"><a class=\"x-anchor x-anchor-button e3070-e30 m2da-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-flex\" 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-4359 e4359-e0\"><div class=\"x-section e4359-e2 m3d3-0\"><div class=\"x-row e4359-e3 m3d3-1 m3d3-2 m3d3-6 m3d3-7\"><div class=\"x-row-inner\"><div class=\"x-col e4359-e4 m3d3-a m3d3-b\"><div class=\"x-row e4359-e5 m3d3-1 m3d3-3 m3d3-4 m3d3-6 m3d3-8\"><div class=\"x-row-inner\"><div class=\"x-col e4359-e6 m3d3-a m3d3-c\"><a class=\"x-image e4359-e7 m3d3-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4359-e8 m3d3-e m3d3-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Basic<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4359-e9 m3d3-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4.3 \/ 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      4.3 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4359-e10 m3d3-a m3d3-c\"><div class=\"x-grid x-container max width e4359-e11 m3d3-i\"><div class=\"x-cell e4359-e12 m3d3-j\"><div class=\"x-text x-text-headline e4359-e13 m3d3-e m3d3-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4359-e14 m3d3-k m3d3-l\"><p style=\"text-align: center;\">Freiberufler &amp; Gewerbe<\/p><\/div><\/div><div class=\"x-cell e4359-e15 m3d3-j\"><div class=\"x-text x-text-headline e4359-e16 m3d3-e m3d3-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4359-e17 m3d3-k m3d3-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach ab 9 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4359-e18 m3d3-j\"><div class=\"x-text x-text-headline e4359-e19 m3d3-e m3d3-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4359-e20 m3d3-k m3d3-l\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e4359-e21 m3d3-j\"><div class=\"x-text x-text-headline e4359-e22 m3d3-e m3d3-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4359-e23 m3d3-k m3d3-l\"><p style=\"text-align: center;\">30 kostenlose Buchungen, danach 0,20 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4359-e24 m3d3-n\" id=\"x-acc-e4359-e24\"><div class=\"e4359-e25 x-acc-item\"><p id=\"tab-e4359-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4359-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4359-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4359-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4359-e25\" data-x-toggleable=\"e4359-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4359-e26 m3d3-k m3d3-m\"><div id=\"footable_parent_4366\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_3\" data-footable_id=\"4366\" data-filter-delay=\"1000\" aria-label=\"qonto basic Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4366\"\n           data-unique_identifier=\"ninja_table_unique_id_2570047186_4366\"\n           class=\" foo-table ninja_footable foo_table_4366 ninja_table_unique_id_2570047186_4366 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3191\" class=\"ninja_table_row_0 nt_row_id_3191\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler & Gewerbe<\/td>        <\/tr>\n            <tr data-row_id=\"3192\" class=\"ninja_table_row_1 nt_row_id_3192\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 9 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3193\" class=\"ninja_table_row_2 nt_row_id_3193\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>30 kostenlos, danach 0,20 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3194\" class=\"ninja_table_row_3 nt_row_id_3194\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>1 One Card Mastercard + 2 virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3199\" class=\"ninja_table_row_4 nt_row_id_3199\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"3195\" class=\"ninja_table_row_5 nt_row_id_3195\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3196\" class=\"ninja_table_row_6 nt_row_id_3196\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3197\" class=\"ninja_table_row_7 nt_row_id_3197\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3198\" class=\"ninja_table_row_8 nt_row_id_3198\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3200\" class=\"ninja_table_row_9 nt_row_id_3200\">\n            <td><strong>Extras<\/strong><\/td><td>Bezahlt werden mit Zahlungslinks, Tap to Pay & POS-Terminals,  Cashflow smart steuern mit interaktiven Analysen & Prognosen<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4359-e27 m3d3-1 m3d3-3 m3d3-5 m3d3-6 m3d3-9\"><div class=\"x-row-inner\"><div class=\"x-col e4359-e28 m3d3-a m3d3-c\"><a class=\"x-anchor x-anchor-button e4359-e29 m3d3-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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-3502 e3502-e0\"><div class=\"x-section e3502-e2 m2pa-0\"><div class=\"x-row e3502-e3 m2pa-1 m2pa-2 m2pa-6 m2pa-7\"><div class=\"x-row-inner\"><div class=\"x-col e3502-e4 m2pa-a m2pa-b\"><div class=\"x-row e3502-e5 m2pa-1 m2pa-3 m2pa-4 m2pa-6 m2pa-8\"><div class=\"x-row-inner\"><div class=\"x-col e3502-e6 m2pa-a m2pa-c\"><a class=\"x-image e3502-e7 m2pa-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-kontist\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/12\/SZ_Kontist.png\" width=\"250\" height=\"150\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3502-e8 m2pa-e m2pa-f m2pa-g m2pa-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Kontist Free<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3502-e9 m2pa-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3502-e10 m2pa-e m2pa-g m2pa-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\/geschaeftskonto\/kontist-free\/\">Kontist Free Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3502-e11 m2pa-a m2pa-c\"><div class=\"x-grid x-container max width e3502-e12 m2pa-l\"><div class=\"x-cell e3502-e13 m2pa-m\"><div class=\"x-text x-text-headline e3502-e14 m2pa-e m2pa-h m2pa-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3502-e15 m2pa-n m2pa-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e3502-e16 m2pa-m\"><div class=\"x-text x-text-headline e3502-e17 m2pa-e m2pa-h m2pa-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3502-e18 m2pa-n m2pa-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3502-e19 m2pa-m\"><div class=\"x-text x-text-headline e3502-e20 m2pa-e m2pa-h m2pa-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3502-e21 m2pa-n m2pa-o\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e3502-e22 m2pa-m\"><div class=\"x-text x-text-headline e3502-e23 m2pa-e m2pa-h m2pa-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3502-e24 m2pa-n m2pa-o\"><p style=\"text-align: center;\">5 kostenlos, danach 0,40 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3502-e25 m2pa-q\" id=\"x-acc-e3502-e25\"><div class=\"e3502-e26 x-acc-item\"><p id=\"tab-e3502-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3502-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3502-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3502-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3502-e26\" data-x-toggleable=\"e3502-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3502-e27 m2pa-n m2pa-p\"><div id=\"footable_parent_3503\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_4\" data-footable_id=\"3503\" data-filter-delay=\"1000\" aria-label=\"Kontist Free Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3503\"\n           data-unique_identifier=\"ninja_table_unique_id_3378156377_3503\"\n           class=\" foo-table ninja_footable foo_table_3503 ninja_table_unique_id_3378156377_3503 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2467\" class=\"ninja_table_row_0 nt_row_id_2467\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2468\" class=\"ninja_table_row_1 nt_row_id_2468\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2469\" class=\"ninja_table_row_2 nt_row_id_2469\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>5<\/td>        <\/tr>\n            <tr data-row_id=\"2470\" class=\"ninja_table_row_3 nt_row_id_2470\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>1 klassische Debitkarte inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2476\" class=\"ninja_table_row_4 nt_row_id_2476\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>0<\/td>        <\/tr>\n            <tr data-row_id=\"2471\" class=\"ninja_table_row_5 nt_row_id_2471\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2472\" class=\"ninja_table_row_6 nt_row_id_2472\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2 %<\/td>        <\/tr>\n            <tr data-row_id=\"2473\" class=\"ninja_table_row_7 nt_row_id_2473\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2,9 %<\/td>        <\/tr>\n            <tr data-row_id=\"2474\" class=\"ninja_table_row_8 nt_row_id_2474\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"2475\" class=\"ninja_table_row_9 nt_row_id_2475\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2477\" class=\"ninja_table_row_10 nt_row_id_2477\">\n            <td><strong>Extras<\/strong><\/td><td>Dispokredit verf\u00fcgbar<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3502-e28 m2pa-1 m2pa-3 m2pa-5 m2pa-6 m2pa-9\"><div class=\"x-row-inner\"><div class=\"x-col e3502-e29 m2pa-a m2pa-c\"><a class=\"x-anchor x-anchor-button e3502-e30 m2pa-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-kontist\" 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-1374 e1374-e0\"><div class=\"x-section e1374-e2 m126-0\"><div class=\"x-row e1374-e3 m126-1 m126-2 m126-6 m126-7\"><div class=\"x-row-inner\"><div class=\"x-col e1374-e4 m126-a m126-b\"><div class=\"x-row e1374-e5 m126-1 m126-3 m126-4 m126-6 m126-8\"><div class=\"x-row-inner\"><div class=\"x-col e1374-e6 m126-a m126-c\"><div class=\"x-anchor x-anchor-button has-graphic e1374-e7 m126-d m126-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">4,25 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e1374-e8 m126-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-business\" 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 e1374-e9 m126-h m126-i\"><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 e1374-e10 m126-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e1374-e11 m126-a m126-c\"><div class=\"x-grid x-container max width e1374-e12 m126-l\"><div class=\"x-cell e1374-e13 m126-m\"><div class=\"x-text x-text-headline e1374-e14 m126-h m126-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1374-e15 m126-n m126-o\">Freiberufler, Gewerbe, UG &amp; GmbH<\/div><\/div><div class=\"x-cell e1374-e16 m126-m\"><div class=\"x-text x-text-headline e1374-e17 m126-h m126-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1374-e18 m126-n m126-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e1374-e19 m126-m\"><div class=\"x-text x-text-headline e1374-e20 m126-h m126-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1374-e21 m126-n m126-o\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e1374-e22 m126-m\"><div class=\"x-text x-text-headline e1374-e23 m126-h m126-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1374-e24 m126-n m126-o\"><p style=\"text-align: center;\">0,20 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e1374-e25 m126-q\" id=\"x-acc-e1374-e25\"><div class=\"e1374-e26 x-acc-item\"><p id=\"tab-e1374-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e1374-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e1374-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e1374-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e1374-e26\" data-x-toggleable=\"e1374-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e1374-e27 m126-n m126-p\"><div id=\"footable_parent_2518\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_5\" data-footable_id=\"2518\" data-filter-delay=\"1000\" aria-label=\"Tide Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2518\"\n           data-unique_identifier=\"ninja_table_unique_id_4266372936_2518\"\n           class=\" foo-table ninja_footable foo_table_2518 ninja_table_unique_id_4266372936_2518 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1589\" class=\"ninja_table_row_0 nt_row_id_1589\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG & GmbH<\/td>        <\/tr>\n            <tr data-row_id=\"1590\" class=\"ninja_table_row_1 nt_row_id_1590\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1591\" class=\"ninja_table_row_2 nt_row_id_1591\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>0,20\u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"1592\" class=\"ninja_table_row_3 nt_row_id_1592\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1598\" class=\"ninja_table_row_4 nt_row_id_1598\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>0<\/td>        <\/tr>\n            <tr data-row_id=\"1593\" class=\"ninja_table_row_5 nt_row_id_1593\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1594\" class=\"ninja_table_row_6 nt_row_id_1594\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"1595\" class=\"ninja_table_row_7 nt_row_id_1595\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1596\" class=\"ninja_table_row_8 nt_row_id_1596\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Niederl\u00e4ndische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1597\" class=\"ninja_table_row_9 nt_row_id_1597\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1599\" class=\"ninja_table_row_10 nt_row_id_1599\">\n            <td><strong>Extras<\/strong><\/td><td>Kostenloses Tagesgeld-Konto, Tool zur Rechnungsstellung, Firmenkredite & ohne Schufa-Abfrage<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e1374-e28 m126-1 m126-3 m126-5 m126-6 m126-9\"><div class=\"x-row-inner\"><div class=\"x-col e1374-e29 m126-a m126-c\"><a class=\"x-anchor x-anchor-button e1374-e30 m126-d m126-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-business\" 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-2530 e2530-e0\"><div class=\"x-section e2530-e2 m1ya-0\"><div class=\"x-row e2530-e3 m1ya-1 m1ya-2 m1ya-6 m1ya-7\"><div class=\"x-row-inner\"><div class=\"x-col e2530-e4 m1ya-a m1ya-b\"><div class=\"x-row e2530-e5 m1ya-1 m1ya-3 m1ya-4 m1ya-6 m1ya-8\"><div class=\"x-row-inner\"><div class=\"x-col e2530-e6 m1ya-a m1ya-c\"><div class=\"x-anchor x-anchor-button has-graphic e2530-e7 m1ya-d m1ya-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">5 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e2530-e8 m1ya-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-basic-business\" 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 e2530-e9 m1ya-h m1ya-i m1ya-j m1ya-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Finom Basic<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2530-e10 m1ya-n\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e2530-e11 m1ya-h m1ya-j m1ya-l\"><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\/geschaeftskonto\/finom-basic\/\">Finom Basic Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2530-e12 m1ya-a m1ya-c\"><div class=\"x-grid x-container max width e2530-e13 m1ya-o\"><div class=\"x-cell e2530-e14 m1ya-p\"><div class=\"x-text x-text-headline e2530-e15 m1ya-h m1ya-k m1ya-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2530-e16 m1ya-q m1ya-r\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e2530-e17 m1ya-p\"><div class=\"x-text x-text-headline e2530-e18 m1ya-h m1ya-k m1ya-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2530-e19 m1ya-q m1ya-r\"><p style=\"text-align: center;\">4 Monate kostenlos, danach 9 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2530-e20 m1ya-p\"><div class=\"x-text x-text-headline e2530-e21 m1ya-h m1ya-k m1ya-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2530-e22 m1ya-q m1ya-r\"><p style=\"text-align: center;\">2<\/p><\/div><\/div><div class=\"x-cell e2530-e23 m1ya-p\"><div class=\"x-text x-text-headline e2530-e24 m1ya-h m1ya-k m1ya-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2530-e25 m1ya-q m1ya-r\"><p style=\"text-align: center;\">kostenlos bis 25.000 \u20ac, dar\u00fcber 0,3 % pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e2530-e26 m1ya-t\" id=\"x-acc-e2530-e26\"><div class=\"e2530-e27 x-acc-item\"><p id=\"tab-e2530-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2530-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2530-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e2530-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2530-e27\" data-x-toggleable=\"e2530-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2530-e28 m1ya-q m1ya-s\"><div id=\"footable_parent_2531\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_6\" data-footable_id=\"2531\" data-filter-delay=\"1000\" aria-label=\"Finom Basic Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2531\"\n           data-unique_identifier=\"ninja_table_unique_id_4194314042_2531\"\n           class=\" foo-table ninja_footable foo_table_2531 ninja_table_unique_id_4194314042_2531 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1694\" class=\"ninja_table_row_0 nt_row_id_1694\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler & Gewerbe<\/td>        <\/tr>\n            <tr data-row_id=\"1695\" class=\"ninja_table_row_1 nt_row_id_1695\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>4 Monate kostenlos, danach 9 \u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"1696\" class=\"ninja_table_row_2 nt_row_id_1696\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>kostenlos bis 2.500\u20ac, dar\u00fcber 0,3%<\/td>        <\/tr>\n            <tr data-row_id=\"1697\" class=\"ninja_table_row_3 nt_row_id_1697\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>3 virtuelle Karten sind kostenlos<\/td>        <\/tr>\n            <tr data-row_id=\"1703\" class=\"ninja_table_row_4 nt_row_id_1703\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>2 Unterkonten<\/td>        <\/tr>\n            <tr data-row_id=\"1698\" class=\"ninja_table_row_5 nt_row_id_1698\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>0 % bis 500 \u20ac, 1 % von 500 \u20ac - 2.000 \u20ac, 5 % von 2.000 \u20ac - 5.000 \u20ac, 8 % ab 5.000 \u20ac <\/td>        <\/tr>\n            <tr data-row_id=\"1699\" class=\"ninja_table_row_6 nt_row_id_1699\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>0 % bis 499 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1700\" class=\"ninja_table_row_7 nt_row_id_1700\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1701\" class=\"ninja_table_row_8 nt_row_id_1701\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1702\" class=\"ninja_table_row_9 nt_row_id_1702\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1704\" class=\"ninja_table_row_10 nt_row_id_1704\">\n            <td><strong>Extras<\/strong><\/td><td>Ausgabenstatistik und Tool zur Rechnungsstellung<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2530-e29 m1ya-1 m1ya-3 m1ya-5 m1ya-6 m1ya-9\"><div class=\"x-row-inner\"><div class=\"x-col e2530-e30 m1ya-a m1ya-c\"><a class=\"x-anchor x-anchor-button e2530-e31 m1ya-d m1ya-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-basic-business\" 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-3073 e3073-e0\"><div class=\"x-section e3073-e2 m2dd-0\"><div class=\"x-row e3073-e3 m2dd-1 m2dd-2 m2dd-6 m2dd-7\"><div class=\"x-row-inner\"><div class=\"x-col e3073-e4 m2dd-a m2dd-b\"><div class=\"x-row e3073-e5 m2dd-1 m2dd-3 m2dd-4 m2dd-6 m2dd-8\"><div class=\"x-row-inner\"><div class=\"x-col e3073-e6 m2dd-a m2dd-c\"><a class=\"x-image e3073-e7 m2dd-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-pro\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/11\/SZ_Holvi.png\" width=\"250\" height=\"150\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3073-e8 m2dd-e m2dd-f m2dd-g m2dd-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Holvi Pro<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3073-e9 m2dd-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"4 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      4 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3073-e10 m2dd-e m2dd-g m2dd-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\/geschaeftskonto\/holvi-pro\/\">Holvi Pro Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3073-e11 m2dd-a m2dd-c\"><div class=\"x-grid x-container max width e3073-e12 m2dd-l\"><div class=\"x-cell e3073-e13 m2dd-m\"><div class=\"x-text x-text-headline e3073-e14 m2dd-e m2dd-h m2dd-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3073-e15 m2dd-n m2dd-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e3073-e16 m2dd-m\"><div class=\"x-text x-text-headline e3073-e17 m2dd-e m2dd-h m2dd-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3073-e18 m2dd-n m2dd-o\"><p style=\"text-align: center;\">1 Monat kostenlos, danach 9 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3073-e19 m2dd-m\"><div class=\"x-text x-text-headline e3073-e20 m2dd-e m2dd-h m2dd-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3073-e21 m2dd-n m2dd-o\"><p style=\"text-align: center;\">5 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e3073-e22 m2dd-m\"><div class=\"x-text x-text-headline e3073-e23 m2dd-e m2dd-h m2dd-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3073-e24 m2dd-n m2dd-o\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><\/div><div class=\"x-acc e3073-e25 m2dd-q\" id=\"x-acc-e3073-e25\"><div class=\"e3073-e26 x-acc-item\"><p id=\"tab-e3073-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3073-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3073-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3073-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3073-e26\" data-x-toggleable=\"e3073-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3073-e27 m2dd-n m2dd-p\"><div id=\"footable_parent_3074\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_7\" data-footable_id=\"3074\" data-filter-delay=\"1000\" aria-label=\"Holvi Pro Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3074\"\n           data-unique_identifier=\"ninja_table_unique_id_2431957733_3074\"\n           class=\" foo-table ninja_footable foo_table_3074 ninja_table_unique_id_2431957733_3074 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2119\" class=\"ninja_table_row_0 nt_row_id_2119\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2120\" class=\"ninja_table_row_1 nt_row_id_2120\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>bei Jahreszahlung 9\u20ac p.M.; bei monatlicher Zahlung 15\u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"2121\" class=\"ninja_table_row_2 nt_row_id_2121\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"2122\" class=\"ninja_table_row_3 nt_row_id_2122\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>3 klassische und 1 virtuelle Debitkarte inklusive, 3 \u20ac je zus\u00e4tzliche Bankkarte<\/td>        <\/tr>\n            <tr data-row_id=\"2128\" class=\"ninja_table_row_4 nt_row_id_2128\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>5 deutsche IBANs inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2123\" class=\"ninja_table_row_5 nt_row_id_2123\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 %<\/td>        <\/tr>\n            <tr data-row_id=\"2124\" class=\"ninja_table_row_6 nt_row_id_2124\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"2125\" class=\"ninja_table_row_7 nt_row_id_2125\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"2126\" class=\"ninja_table_row_8 nt_row_id_2126\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Gelder liegen bei Nordea Bank und Aktia Bank (Finland)<\/td>        <\/tr>\n            <tr data-row_id=\"2127\" class=\"ninja_table_row_9 nt_row_id_2127\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2129\" class=\"ninja_table_row_10 nt_row_id_2129\">\n            <td><strong>Extras<\/strong><\/td><td>Bis zu 4,00 % p. a. auf Geldmarktfonds f\u00fcr neue GmbHs\/UGs<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3073-e28 m2dd-1 m2dd-3 m2dd-5 m2dd-6 m2dd-9\"><div class=\"x-row-inner\"><div class=\"x-col e3073-e29 m2dd-a m2dd-c\"><a class=\"x-anchor x-anchor-button e3073-e30 m2dd-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-pro\" 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-3071 e3071-e0\"><div class=\"x-section e3071-e2 m2db-0\"><div class=\"x-row e3071-e3 m2db-1 m2db-2 m2db-6 m2db-7\"><div class=\"x-row-inner\"><div class=\"x-col e3071-e4 m2db-a m2db-b\"><div class=\"x-row e3071-e5 m2db-1 m2db-3 m2db-4 m2db-6 m2db-8\"><div class=\"x-row-inner\"><div class=\"x-col e3071-e6 m2db-a m2db-c\"><a class=\"x-image e3071-e7 m2db-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-lite\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/11\/SZ_Holvi.png\" width=\"250\" height=\"150\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3071-e8 m2db-e m2db-f m2db-g m2db-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Holvi Lite<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3071-e9 m2db-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.9 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.9 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3071-e10 m2db-e m2db-g m2db-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\/geschaeftskonto\/holvi-lite\/\">Holvi Lite Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3071-e11 m2db-a m2db-c\"><div class=\"x-grid x-container max width e3071-e12 m2db-l\"><div class=\"x-cell e3071-e13 m2db-m\"><div class=\"x-text x-text-headline e3071-e14 m2db-e m2db-h m2db-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3071-e15 m2db-n m2db-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e3071-e16 m2db-m\"><div class=\"x-text x-text-headline e3071-e17 m2db-e m2db-h m2db-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3071-e18 m2db-n m2db-o\"><p style=\"text-align: center;\">4,50 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3071-e19 m2db-m\"><div class=\"x-text x-text-headline e3071-e20 m2db-e m2db-h m2db-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3071-e21 m2db-n m2db-o\"><p style=\"text-align: center;\">2 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e3071-e22 m2db-m\"><div class=\"x-text x-text-headline e3071-e23 m2db-e m2db-h m2db-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3071-e24 m2db-n m2db-o\"><p style=\"text-align: center;\">100 kostenlos, danach 0,25 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3071-e25 m2db-q\" id=\"x-acc-e3071-e25\"><div class=\"e3071-e26 x-acc-item\"><p id=\"tab-e3071-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3071-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3071-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3071-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3071-e26\" data-x-toggleable=\"e3071-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3071-e27 m2db-n m2db-p\"><div id=\"footable_parent_3072\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_8\" data-footable_id=\"3072\" data-filter-delay=\"1000\" aria-label=\"Holvi Lite Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3072\"\n           data-unique_identifier=\"ninja_table_unique_id_3056523000_3072\"\n           class=\" foo-table ninja_footable foo_table_3072 ninja_table_unique_id_3056523000_3072 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2104\" class=\"ninja_table_row_0 nt_row_id_2104\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2105\" class=\"ninja_table_row_1 nt_row_id_2105\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>bei Jahreszahlung 4,50\u20ac p.M; bei monatlicher Zahlung 9,00\u20ac p. M.<\/td>        <\/tr>\n            <tr data-row_id=\"2106\" class=\"ninja_table_row_2 nt_row_id_2106\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>100 kostenlos, danach pro Buchung 0,25 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2107\" class=\"ninja_table_row_3 nt_row_id_2107\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>1 klassische und 1 virtuelle Debitkarte inklusive, 3 \u20ac je zus\u00e4tzliche Bankkarte<\/td>        <\/tr>\n            <tr data-row_id=\"2113\" class=\"ninja_table_row_4 nt_row_id_2113\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>2 deutsche IBANs inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2108\" class=\"ninja_table_row_5 nt_row_id_2108\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2,5 %<\/td>        <\/tr>\n            <tr data-row_id=\"2109\" class=\"ninja_table_row_6 nt_row_id_2109\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2 %<\/td>        <\/tr>\n            <tr data-row_id=\"2110\" class=\"ninja_table_row_7 nt_row_id_2110\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"2111\" class=\"ninja_table_row_8 nt_row_id_2111\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Gelder liegen bei Nordea Bank und Aktia Bank (Finland)<\/td>        <\/tr>\n            <tr data-row_id=\"2112\" class=\"ninja_table_row_9 nt_row_id_2112\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2114\" class=\"ninja_table_row_10 nt_row_id_2114\">\n            <td><strong>Extras<\/strong><\/td><td>Bis zu 4,00 % p. a. auf Geldmarktfonds f\u00fcr neue GmbHs\/UGs<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3071-e28 m2db-1 m2db-3 m2db-5 m2db-6 m2db-9\"><div class=\"x-row-inner\"><div class=\"x-col e3071-e29 m2db-a m2db-c\"><a class=\"x-anchor x-anchor-button e3071-e30 m2db-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-lite\" 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-3544 e3544-e0\"><div class=\"x-section e3544-e2 m2qg-0\"><div class=\"x-row e3544-e3 m2qg-1 m2qg-2 m2qg-6 m2qg-7\"><div class=\"x-row-inner\"><div class=\"x-col e3544-e4 m2qg-a m2qg-b\"><div class=\"x-row e3544-e5 m2qg-1 m2qg-3 m2qg-4 m2qg-6 m2qg-8\"><div class=\"x-row-inner\"><div class=\"x-col e3544-e6 m2qg-a m2qg-c\"><div class=\"x-anchor x-anchor-button has-graphic e3544-e7 m2qg-d m2qg-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">4,25 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e3544-e8 m2qg-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-smart\" 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 e3544-e9 m2qg-h m2qg-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Tide Smart<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3544-e10 m2qg-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.9 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.9 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e3544-e11 m2qg-a m2qg-c\"><div class=\"x-grid x-container max width e3544-e12 m2qg-l\"><div class=\"x-cell e3544-e13 m2qg-m\"><div class=\"x-text x-text-headline e3544-e14 m2qg-h m2qg-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3544-e15 m2qg-n m2qg-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG &amp; GmbH<\/p><\/div><\/div><div class=\"x-cell e3544-e16 m2qg-m\"><div class=\"x-text x-text-headline e3544-e17 m2qg-h m2qg-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3544-e18 m2qg-n m2qg-o\"><p style=\"text-align: center;\">4,50 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3544-e19 m2qg-m\"><div class=\"x-text x-text-headline e3544-e20 m2qg-h m2qg-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3544-e21 m2qg-n m2qg-o\"><p style=\"text-align: center;\">2 Unterkonten<\/p><\/div><\/div><div class=\"x-cell e3544-e22 m2qg-m\"><div class=\"x-text x-text-headline e3544-e23 m2qg-h m2qg-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3544-e24 m2qg-n m2qg-o\"><p style=\"text-align: center;\">50 kostenlos, danach 0,20 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3544-e25 m2qg-q\" id=\"x-acc-e3544-e25\"><div class=\"e3544-e26 x-acc-item\"><p id=\"tab-e3544-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3544-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3544-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3544-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3544-e26\" data-x-toggleable=\"e3544-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3544-e27 m2qg-n m2qg-p\"><div id=\"footable_parent_3545\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_9\" data-footable_id=\"3545\" data-filter-delay=\"1000\" aria-label=\"Tide Smart Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3545\"\n           data-unique_identifier=\"ninja_table_unique_id_2780229686_3545\"\n           class=\" foo-table ninja_footable foo_table_3545 ninja_table_unique_id_2780229686_3545 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2574\" class=\"ninja_table_row_0 nt_row_id_2574\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG & GmbH<\/td>        <\/tr>\n            <tr data-row_id=\"2575\" class=\"ninja_table_row_1 nt_row_id_2575\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>4,50 \u20ac p.M. bei j\u00e4hrlicher Abrechnung, bei monatlicher Abrechnung 7,50 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2576\" class=\"ninja_table_row_2 nt_row_id_2576\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>50 kostenlos, danach 0,20 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"2577\" class=\"ninja_table_row_3 nt_row_id_2577\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2583\" class=\"ninja_table_row_4 nt_row_id_2583\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>2<\/td>        <\/tr>\n            <tr data-row_id=\"2578\" class=\"ninja_table_row_5 nt_row_id_2578\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2579\" class=\"ninja_table_row_6 nt_row_id_2579\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"2580\" class=\"ninja_table_row_7 nt_row_id_2580\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"2581\" class=\"ninja_table_row_8 nt_row_id_2581\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Niederl\u00e4ndische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"2582\" class=\"ninja_table_row_9 nt_row_id_2582\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2584\" class=\"ninja_table_row_10 nt_row_id_2584\">\n            <td><strong>Extras<\/strong><\/td><td>Kostenloses Tagesgeld-Konto, Tool zur Rechnungsstellung, Firmenkredite & ohne Schufa-Abfrage<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3544-e28 m2qg-1 m2qg-3 m2qg-5 m2qg-6 m2qg-9\"><div class=\"x-row-inner\"><div class=\"x-col e3544-e29 m2qg-a m2qg-c\"><a class=\"x-anchor x-anchor-button e3544-e30 m2qg-d m2qg-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-tide-smart\" 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-1101 e1101-e0\"><div class=\"x-section e1101-e2 mul-0\"><div class=\"x-row e1101-e3 mul-1 mul-2 mul-6 mul-7\"><div class=\"x-row-inner\"><div class=\"x-col e1101-e4 mul-a mul-b\"><div class=\"x-row e1101-e5 mul-1 mul-3 mul-4 mul-6 mul-8\"><div class=\"x-row-inner\"><div class=\"x-col e1101-e6 mul-a mul-c\"><a class=\"x-image e1101-e7 mul-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-postbank-business-giro-aktiv-plus\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/06\/SZ_postbank_top.jpg\" width=\"125\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e1101-e8 mul-e mul-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Postbank Business Giro aktiv plus<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e1101-e9 mul-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.9 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.9 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e1101-e10 mul-a mul-c\"><div class=\"x-grid x-container max width e1101-e11 mul-i\"><div class=\"x-cell e1101-e12 mul-j\"><div class=\"x-text x-text-headline e1101-e13 mul-e mul-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1101-e14 mul-k mul-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e1101-e15 mul-j\"><div class=\"x-text x-text-headline e1101-e16 mul-e mul-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1101-e17 mul-k mul-l\"><p style=\"text-align: center;\">Bis 31.12.26 kostenlos, sonst 12,90 \u20ac<\/p><\/div><\/div><div class=\"x-cell e1101-e18 mul-j\"><div class=\"x-text x-text-headline e1101-e19 mul-e mul-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1101-e20 mul-k mul-l\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e1101-e21 mul-j\"><div class=\"x-text x-text-headline e1101-e22 mul-e mul-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e1101-e23 mul-k mul-l\"><p style=\"text-align: center;\">0,28 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e1101-e24 mul-n\" id=\"x-acc-e1101-e24\"><div class=\"e1101-e25 x-acc-item\"><p id=\"tab-e1101-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e1101-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e1101-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e1101-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e1101-e25\" data-x-toggleable=\"e1101-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e1101-e26 mul-k mul-m\"><div id=\"footable_parent_2521\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_10\" data-footable_id=\"2521\" data-filter-delay=\"1000\" aria-label=\"Postbank business giro aktiv plus Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2521\"\n           data-unique_identifier=\"ninja_table_unique_id_2398373431_2521\"\n           class=\" foo-table ninja_footable foo_table_2521 ninja_table_unique_id_2398373431_2521 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1634\" class=\"ninja_table_row_0 nt_row_id_1634\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"1635\" class=\"ninja_table_row_1 nt_row_id_1635\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>Bis zum 31.12.2026 keine Kontof\u00fchrungsgeb\u00fchr, sonst 12,90 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1636\" class=\"ninja_table_row_2 nt_row_id_1636\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>0,28 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"1637\" class=\"ninja_table_row_3 nt_row_id_1637\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>Postbank Business Card im ersten Jahr kostenfrei, dananach 24\u20ac p.a.<\/td>        <\/tr>\n            <tr data-row_id=\"1643\" class=\"ninja_table_row_4 nt_row_id_1643\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Keine Unterkonten aber mehrere Girokonten m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1638\" class=\"ninja_table_row_5 nt_row_id_1638\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1639\" class=\"ninja_table_row_6 nt_row_id_1639\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2,35 %<\/td>        <\/tr>\n            <tr data-row_id=\"1640\" class=\"ninja_table_row_7 nt_row_id_1640\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>3 \u20ac je angefangene 5.000\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1641\" class=\"ninja_table_row_8 nt_row_id_1641\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1642\" class=\"ninja_table_row_9 nt_row_id_1642\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1644\" class=\"ninja_table_row_10 nt_row_id_1644\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechselservice & kostenloses Tagesgeld-Konto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e1101-e27 mul-1 mul-3 mul-5 mul-6 mul-9\"><div class=\"x-row-inner\"><div class=\"x-col e1101-e28 mul-a mul-c\"><a class=\"x-anchor x-anchor-button e1101-e29 mul-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-postbank-business-giro-aktiv-plus\" 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-3504 e3504-e0\"><div class=\"x-section e3504-e2 m2pc-0\"><div class=\"x-row e3504-e3 m2pc-1 m2pc-2 m2pc-6 m2pc-7\"><div class=\"x-row-inner\"><div class=\"x-col e3504-e4 m2pc-a m2pc-b\"><div class=\"x-row e3504-e5 m2pc-1 m2pc-3 m2pc-4 m2pc-6 m2pc-8\"><div class=\"x-row-inner\"><div class=\"x-col e3504-e6 m2pc-a m2pc-c\"><a class=\"x-image e3504-e7 m2pc-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-kontist\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/12\/SZ_Kontist.png\" width=\"250\" height=\"150\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3504-e8 m2pc-e m2pc-f m2pc-g m2pc-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Kontist Start<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3504-e9 m2pc-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.8 \/ 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-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.8 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3504-e10 m2pc-e m2pc-g m2pc-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\/geschaeftskonto\/kontist-start\/\">Kontist Start Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3504-e11 m2pc-a m2pc-c\"><div class=\"x-grid x-container max width e3504-e12 m2pc-l\"><div class=\"x-cell e3504-e13 m2pc-m\"><div class=\"x-text x-text-headline e3504-e14 m2pc-e m2pc-h m2pc-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3504-e15 m2pc-n m2pc-o\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e3504-e16 m2pc-m\"><div class=\"x-text x-text-headline e3504-e17 m2pc-e m2pc-h m2pc-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3504-e18 m2pc-n m2pc-o\"><p style=\"text-align: center;\">11 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3504-e19 m2pc-m\"><div class=\"x-text x-text-headline e3504-e20 m2pc-e m2pc-h m2pc-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3504-e21 m2pc-n m2pc-o\"><p style=\"text-align: center;\">3<\/p><\/div><\/div><div class=\"x-cell e3504-e22 m2pc-m\"><div class=\"x-text x-text-headline e3504-e23 m2pc-e m2pc-h m2pc-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3504-e24 m2pc-n m2pc-o\"><p style=\"text-align: center;\">30 kostenlos, danach 0,40 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3504-e25 m2pc-q\" id=\"x-acc-e3504-e25\"><div class=\"e3504-e26 x-acc-item\"><p id=\"tab-e3504-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3504-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3504-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3504-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3504-e26\" data-x-toggleable=\"e3504-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3504-e27 m2pc-n m2pc-p\"><div id=\"footable_parent_3505\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_11\" data-footable_id=\"3505\" data-filter-delay=\"1000\" aria-label=\"Kontist Start Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3505\"\n           data-unique_identifier=\"ninja_table_unique_id_912990566_3505\"\n           class=\" foo-table ninja_footable foo_table_3505 ninja_table_unique_id_912990566_3505 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2482\" class=\"ninja_table_row_0 nt_row_id_2482\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2483\" class=\"ninja_table_row_1 nt_row_id_2483\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>11 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2484\" class=\"ninja_table_row_2 nt_row_id_2484\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>30<\/td>        <\/tr>\n            <tr data-row_id=\"2485\" class=\"ninja_table_row_3 nt_row_id_2485\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>2 klassische Debitkarte und 4 virtuelle Karten inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2491\" class=\"ninja_table_row_4 nt_row_id_2491\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>3<\/td>        <\/tr>\n            <tr data-row_id=\"2486\" class=\"ninja_table_row_5 nt_row_id_2486\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 kostenlose Abhebungen pro Monat, danach 2 \u20ac pro Abhebung<\/td>        <\/tr>\n            <tr data-row_id=\"2487\" class=\"ninja_table_row_6 nt_row_id_2487\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1,75 %<\/td>        <\/tr>\n            <tr data-row_id=\"2488\" class=\"ninja_table_row_7 nt_row_id_2488\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2,9 %<\/td>        <\/tr>\n            <tr data-row_id=\"2489\" class=\"ninja_table_row_8 nt_row_id_2489\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"2490\" class=\"ninja_table_row_9 nt_row_id_2490\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2492\" class=\"ninja_table_row_10 nt_row_id_2492\">\n            <td><strong>Extras<\/strong><\/td><td>Dispokredit verf\u00fcgbar<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3504-e28 m2pc-1 m2pc-3 m2pc-5 m2pc-6 m2pc-9\"><div class=\"x-row-inner\"><div class=\"x-col e3504-e29 m2pc-a m2pc-c\"><a class=\"x-anchor x-anchor-button e3504-e30 m2pc-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-kontist\" 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-4360 e4360-e0\"><div class=\"x-section e4360-e2 m3d4-0\"><div class=\"x-row e4360-e3 m3d4-1 m3d4-2 m3d4-6 m3d4-7\"><div class=\"x-row-inner\"><div class=\"x-col e4360-e4 m3d4-a m3d4-b\"><div class=\"x-row e4360-e5 m3d4-1 m3d4-3 m3d4-4 m3d4-6 m3d4-8\"><div class=\"x-row-inner\"><div class=\"x-col e4360-e6 m3d4-a m3d4-c\"><a class=\"x-image e4360-e7 m3d4-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4360-e8 m3d4-e m3d4-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Smart<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4360-e9 m3d4-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.6 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.6 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4360-e10 m3d4-a m3d4-c\"><div class=\"x-grid x-container max width e4360-e11 m3d4-i\"><div class=\"x-cell e4360-e12 m3d4-j\"><div class=\"x-text x-text-headline e4360-e13 m3d4-e m3d4-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4360-e14 m3d4-k m3d4-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e4360-e15 m3d4-j\"><div class=\"x-text x-text-headline e4360-e16 m3d4-e m3d4-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4360-e17 m3d4-k m3d4-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach ab 19 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4360-e18 m3d4-j\"><div class=\"x-text x-text-headline e4360-e19 m3d4-e m3d4-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4360-e20 m3d4-k m3d4-l\"><p style=\"text-align: center;\">1 Unterkonto mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e4360-e21 m3d4-j\"><div class=\"x-text x-text-headline e4360-e22 m3d4-e m3d4-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4360-e23 m3d4-k m3d4-l\"><p style=\"text-align: center;\">100 kostenlose Buchungen, danach 0,10 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4360-e24 m3d4-n\" id=\"x-acc-e4360-e24\"><div class=\"e4360-e25 x-acc-item\"><p id=\"tab-e4360-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4360-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4360-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4360-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4360-e25\" data-x-toggleable=\"e4360-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4360-e26 m3d4-k m3d4-m\"><div id=\"footable_parent_4367\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_12\" data-footable_id=\"4367\" data-filter-delay=\"1000\" aria-label=\"qonto smart Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4367\"\n           data-unique_identifier=\"ninja_table_unique_id_2033415349_4367\"\n           class=\" foo-table ninja_footable foo_table_4367 ninja_table_unique_id_2033415349_4367 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3206\" class=\"ninja_table_row_0 nt_row_id_3206\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"3207\" class=\"ninja_table_row_1 nt_row_id_3207\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 19 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3208\" class=\"ninja_table_row_2 nt_row_id_3208\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>100 kostenlos, danach 0,10 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3209\" class=\"ninja_table_row_3 nt_row_id_3209\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>2 One Card Mastercard + 50 virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3214\" class=\"ninja_table_row_4 nt_row_id_3214\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>1 Unterkonto mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"3210\" class=\"ninja_table_row_5 nt_row_id_3210\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3211\" class=\"ninja_table_row_6 nt_row_id_3211\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3212\" class=\"ninja_table_row_7 nt_row_id_3212\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3213\" class=\"ninja_table_row_8 nt_row_id_3213\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3215\" class=\"ninja_table_row_9 nt_row_id_3215\">\n            <td><strong>Extras<\/strong><\/td><td>Bezahlt werden mit Zahlungslinks, Tap to Pay & POS-Terminals,  Cashflow smart steuern mit interaktiven Analysen & Prognosen<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4360-e27 m3d4-1 m3d4-3 m3d4-5 m3d4-6 m3d4-9\"><div class=\"x-row-inner\"><div class=\"x-col e4360-e28 m3d4-a m3d4-c\"><a class=\"x-anchor x-anchor-button e4360-e29 m3d4-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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-2873 e2873-e0\"><div class=\"x-section e2873-e2 m27t-0\"><div class=\"x-row e2873-e3 m27t-1 m27t-2 m27t-6 m27t-7\"><div class=\"x-row-inner\"><div class=\"x-col e2873-e4 m27t-a m27t-b\"><div class=\"x-row e2873-e5 m27t-1 m27t-3 m27t-4 m27t-6 m27t-8\"><div class=\"x-row-inner\"><div class=\"x-col e2873-e6 m27t-a m27t-c\"><div class=\"x-anchor x-anchor-button has-graphic e2873-e7 m27t-d m27t-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">5 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e2873-e8 m27t-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-smart-business\" 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 e2873-e9 m27t-h m27t-i m27t-j m27t-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Finom Smart<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2873-e10 m27t-n\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.5 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e2873-e11 m27t-h m27t-j m27t-l\"><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\/geschaeftskonto\/finom-smart\/\">Finom Smart Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2873-e12 m27t-a m27t-c\"><div class=\"x-grid x-container max width e2873-e13 m27t-o\"><div class=\"x-cell e2873-e14 m27t-p\"><div class=\"x-text x-text-headline e2873-e15 m27t-h m27t-k m27t-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2873-e16 m27t-q m27t-r\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e2873-e17 m27t-p\"><div class=\"x-text x-text-headline e2873-e18 m27t-h m27t-k m27t-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2873-e19 m27t-q m27t-r\"><p style=\"text-align: center;\">24 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2873-e20 m27t-p\"><div class=\"x-text x-text-headline e2873-e21 m27t-h m27t-k m27t-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2873-e22 m27t-q m27t-r\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><div class=\"x-cell e2873-e23 m27t-p\"><div class=\"x-text x-text-headline e2873-e24 m27t-h m27t-k m27t-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2873-e25 m27t-q m27t-r\"><p style=\"text-align: center;\">kostenlos bis 50.000\u20ac, dar\u00fcber 0,025 % pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e2873-e26 m27t-t\" id=\"x-acc-e2873-e26\"><div class=\"e2873-e27 x-acc-item\"><p id=\"tab-e2873-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2873-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2873-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e2873-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2873-e27\" data-x-toggleable=\"e2873-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2873-e28 m27t-q m27t-s\"><div id=\"footable_parent_2875\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_13\" data-footable_id=\"2875\" data-filter-delay=\"1000\" aria-label=\"Finom Smart Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2875\"\n           data-unique_identifier=\"ninja_table_unique_id_3765894553_2875\"\n           class=\" foo-table ninja_footable foo_table_2875 ninja_table_unique_id_3765894553_2875 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1845\" class=\"ninja_table_row_0 nt_row_id_1845\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Kleine bis mittlere Unternehmen<\/td>        <\/tr>\n            <tr data-row_id=\"1846\" class=\"ninja_table_row_1 nt_row_id_1846\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>28 \u20ac bei monatlicher Zahlung, 24 \u20ac bei j\u00e4hrlicher Zahlung (jeweils exkl. USt.)<\/td>        <\/tr>\n            <tr data-row_id=\"1847\" class=\"ninja_table_row_2 nt_row_id_1847\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>kostenlos bis 50.000 \u20ac, dar\u00fcber 0,025%<\/td>        <\/tr>\n            <tr data-row_id=\"1848\" class=\"ninja_table_row_3 nt_row_id_1848\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>3 physische VISA, 10 virtuelle VISA<\/td>        <\/tr>\n            <tr data-row_id=\"1854\" class=\"ninja_table_row_4 nt_row_id_1854\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzte Anzahl an Unterkonten, 2 \u20ac p.M. f\u00fcr jedes zus\u00e4tzliche Teammitglied<\/td>        <\/tr>\n            <tr data-row_id=\"1849\" class=\"ninja_table_row_5 nt_row_id_1849\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>0% bis 2.000\u20ac, 3% von 2.000\u20ac - 5.000\u20ac; 5% von 5.000\u20ac - 10.000\u20ac, 8% ab 10.000\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1850\" class=\"ninja_table_row_6 nt_row_id_1850\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>0 % bis 499 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1851\" class=\"ninja_table_row_7 nt_row_id_1851\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1852\" class=\"ninja_table_row_8 nt_row_id_1852\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1853\" class=\"ninja_table_row_9 nt_row_id_1853\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1855\" class=\"ninja_table_row_10 nt_row_id_1855\">\n            <td><strong>Extras<\/strong><\/td><td>Cashback 3 %<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2873-e29 m27t-1 m27t-3 m27t-5 m27t-6 m27t-9\"><div class=\"x-row-inner\"><div class=\"x-col e2873-e30 m27t-a m27t-c\"><a class=\"x-anchor x-anchor-button e2873-e31 m27t-d m27t-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-smart-business\" 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-660 e660-e0\"><div class=\"x-section e660-e2 mic-0\"><div class=\"x-row e660-e3 mic-1 mic-2 mic-6 mic-7\"><div class=\"x-row-inner\"><div class=\"x-col e660-e4 mic-a mic-b\"><div class=\"x-row e660-e5 mic-1 mic-3 mic-4 mic-6 mic-8\"><div class=\"x-row-inner\"><div class=\"x-col e660-e6 mic-a mic-c\"><div class=\"x-anchor x-anchor-button has-graphic e660-e7 mic-d mic-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">2,75 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e660-e8 mic-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-commerzbank-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/08\/SZ_commerzbank.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e660-e9 mic-h mic-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Commerzbank<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e660-e10 mic-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.5 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e660-e11 mic-a mic-c\"><div class=\"x-grid x-container max width e660-e12 mic-l\"><div class=\"x-cell e660-e13 mic-m\"><div class=\"x-text x-text-headline e660-e14 mic-h mic-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e660-e15 mic-n mic-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e660-e16 mic-m\"><div class=\"x-text x-text-headline e660-e17 mic-h mic-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e660-e18 mic-n mic-o\"><p style=\"text-align: center;\">12 Monate kostenlos, danach 15,90\u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e660-e19 mic-m\"><div class=\"x-text x-text-headline e660-e20 mic-h mic-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e660-e21 mic-n mic-o\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e660-e22 mic-m\"><div class=\"x-text x-text-headline e660-e23 mic-h mic-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e660-e24 mic-n mic-o\"><p style=\"text-align: center;\">10 Buchungen kostenlos, danach 0,20 \u20ac<\/p><\/div><\/div><\/div><div class=\"x-acc e660-e25 mic-q\" id=\"x-acc-e660-e25\"><div class=\"e660-e26 x-acc-item\"><p id=\"tab-e660-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e660-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e660-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e660-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e660-e26\" data-x-toggleable=\"e660-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e660-e27 mic-n mic-p\"><div id=\"footable_parent_2522\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_14\" data-footable_id=\"2522\" data-filter-delay=\"1000\" aria-label=\"Commerzbank Klassik Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2522\"\n           data-unique_identifier=\"ninja_table_unique_id_3952017868_2522\"\n           class=\" foo-table ninja_footable foo_table_2522 ninja_table_unique_id_3952017868_2522 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1649\" class=\"ninja_table_row_0 nt_row_id_1649\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"1650\" class=\"ninja_table_row_1 nt_row_id_1650\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>12 Monate kostenlos, danach 15,90\u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"1651\" class=\"ninja_table_row_2 nt_row_id_1651\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>10 Buchungen p.M. kostenlos, danach 0,20\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1652\" class=\"ninja_table_row_3 nt_row_id_1652\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>5,90\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1658\" class=\"ninja_table_row_4 nt_row_id_1658\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>0<\/td>        <\/tr>\n            <tr data-row_id=\"1653\" class=\"ninja_table_row_5 nt_row_id_1653\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2,50 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1654\" class=\"ninja_table_row_6 nt_row_id_1654\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung und Bargeldabhebung<\/strong><\/td><td>2,09 %<\/td>        <\/tr>\n            <tr data-row_id=\"1655\" class=\"ninja_table_row_7 nt_row_id_1655\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2,50 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1656\" class=\"ninja_table_row_8 nt_row_id_1656\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1657\" class=\"ninja_table_row_9 nt_row_id_1657\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1659\" class=\"ninja_table_row_10 nt_row_id_1659\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechselservice & kostenloses Tagesgeld-Konto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e660-e28 mic-1 mic-3 mic-5 mic-6 mic-9\"><div class=\"x-row-inner\"><div class=\"x-col e660-e29 mic-a mic-c\"><a class=\"x-anchor x-anchor-button e660-e30 mic-d mic-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-commerzbank-gesch\u00e4ftskonto\" 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-3506 e3506-e0\"><div class=\"x-section e3506-e2 m2pe-0\"><div class=\"x-row e3506-e3 m2pe-1 m2pe-2 m2pe-6 m2pe-7\"><div class=\"x-row-inner\"><div class=\"x-col e3506-e4 m2pe-a m2pe-b\"><div class=\"x-row e3506-e5 m2pe-1 m2pe-3 m2pe-4 m2pe-6 m2pe-8\"><div class=\"x-row-inner\"><div class=\"x-col e3506-e6 m2pe-a m2pe-c\"><a class=\"x-image e3506-e7 m2pe-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-basic-business\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/12\/SZ_Kontist.png\" width=\"250\" height=\"150\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3506-e8 m2pe-e m2pe-f m2pe-g m2pe-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Kontist Plus<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3506-e9 m2pe-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.5 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3506-e10 m2pe-e m2pe-g m2pe-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\/geschaeftskonto\/kontist-plus\/\">Kontist Plus Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3506-e11 m2pe-a m2pe-c\"><div class=\"x-grid x-container max width e3506-e12 m2pe-l\"><div class=\"x-cell e3506-e13 m2pe-m\"><div class=\"x-text x-text-headline e3506-e14 m2pe-e m2pe-h m2pe-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3506-e15 m2pe-n m2pe-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e3506-e16 m2pe-m\"><div class=\"x-text x-text-headline e3506-e17 m2pe-e m2pe-h m2pe-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3506-e18 m2pe-n m2pe-o\"><p style=\"text-align: center;\">25 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3506-e19 m2pe-m\"><div class=\"x-text x-text-headline e3506-e20 m2pe-e m2pe-h m2pe-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3506-e21 m2pe-n m2pe-o\"><p style=\"text-align: center;\">5 Unterkonten<\/p><\/div><\/div><div class=\"x-cell e3506-e22 m2pe-m\"><div class=\"x-text x-text-headline e3506-e23 m2pe-e m2pe-h m2pe-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3506-e24 m2pe-n m2pe-o\"><p style=\"text-align: center;\">100 kostenlos, danach 0,40 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e3506-e25 m2pe-q\" id=\"x-acc-e3506-e25\"><div class=\"e3506-e26 x-acc-item\"><p id=\"tab-e3506-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3506-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3506-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3506-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3506-e26\" data-x-toggleable=\"e3506-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3506-e27 m2pe-n m2pe-p\"><div id=\"footable_parent_3507\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_15\" data-footable_id=\"3507\" data-filter-delay=\"1000\" aria-label=\"Kontist Plus Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3507\"\n           data-unique_identifier=\"ninja_table_unique_id_532209474_3507\"\n           class=\" foo-table ninja_footable foo_table_3507 ninja_table_unique_id_532209474_3507 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2497\" class=\"ninja_table_row_0 nt_row_id_2497\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2498\" class=\"ninja_table_row_1 nt_row_id_2498\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>25 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"2499\" class=\"ninja_table_row_2 nt_row_id_2499\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>100<\/td>        <\/tr>\n            <tr data-row_id=\"2500\" class=\"ninja_table_row_3 nt_row_id_2500\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>5 klassische Debitkarte und 10 virtuelle Karten inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2506\" class=\"ninja_table_row_4 nt_row_id_2506\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>5<\/td>        <\/tr>\n            <tr data-row_id=\"2501\" class=\"ninja_table_row_5 nt_row_id_2501\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>4 kostenlose Abhebungen pro Monat, danach 2 \u20ac pro Abhebung<\/td>        <\/tr>\n            <tr data-row_id=\"2502\" class=\"ninja_table_row_6 nt_row_id_2502\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1,5 %<\/td>        <\/tr>\n            <tr data-row_id=\"2503\" class=\"ninja_table_row_7 nt_row_id_2503\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2,9 %<\/td>        <\/tr>\n            <tr data-row_id=\"2504\" class=\"ninja_table_row_8 nt_row_id_2504\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"2505\" class=\"ninja_table_row_9 nt_row_id_2505\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2507\" class=\"ninja_table_row_10 nt_row_id_2507\">\n            <td><strong>Extras<\/strong><\/td><td>Dispokredit verf\u00fcgbar<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3506-e28 m2pe-1 m2pe-3 m2pe-5 m2pe-6 m2pe-9\"><div class=\"x-row-inner\"><div class=\"x-col e3506-e29 m2pe-a m2pe-c\"><a class=\"x-anchor x-anchor-button e3506-e30 m2pe-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-kontist\" 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-4361 e4361-e0\"><div class=\"x-section e4361-e2 m3d5-0\"><div class=\"x-row e4361-e3 m3d5-1 m3d5-2 m3d5-6 m3d5-7\"><div class=\"x-row-inner\"><div class=\"x-col e4361-e4 m3d5-a m3d5-b\"><div class=\"x-row e4361-e5 m3d5-1 m3d5-3 m3d5-4 m3d5-6 m3d5-8\"><div class=\"x-row-inner\"><div class=\"x-col e4361-e6 m3d5-a m3d5-c\"><a class=\"x-image e4361-e7 m3d5-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4361-e8 m3d5-e m3d5-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Premium<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4361-e9 m3d5-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.5 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4361-e10 m3d5-a m3d5-c\"><div class=\"x-grid x-container max width e4361-e11 m3d5-i\"><div class=\"x-cell e4361-e12 m3d5-j\"><div class=\"x-text x-text-headline e4361-e13 m3d5-e m3d5-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4361-e14 m3d5-k m3d5-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e4361-e15 m3d5-j\"><div class=\"x-text x-text-headline e4361-e16 m3d5-e m3d5-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4361-e17 m3d5-k m3d5-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach 39 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4361-e18 m3d5-j\"><div class=\"x-text x-text-headline e4361-e19 m3d5-e m3d5-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4361-e20 m3d5-k m3d5-l\"><p style=\"text-align: center;\">4 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e4361-e21 m3d5-j\"><div class=\"x-text x-text-headline e4361-e22 m3d5-e m3d5-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4361-e23 m3d5-k m3d5-l\"><p style=\"text-align: center;\">200 kostenlose Buchungen, danach 0,10 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4361-e24 m3d5-n\" id=\"x-acc-e4361-e24\"><div class=\"e4361-e25 x-acc-item\"><p id=\"tab-e4361-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4361-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4361-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4361-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4361-e25\" data-x-toggleable=\"e4361-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4361-e26 m3d5-k m3d5-m\"><div id=\"footable_parent_4368\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_16\" data-footable_id=\"4368\" data-filter-delay=\"1000\" aria-label=\"qonto premium Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4368\"\n           data-unique_identifier=\"ninja_table_unique_id_4269035556_4368\"\n           class=\" foo-table ninja_footable foo_table_4368 ninja_table_unique_id_4269035556_4368 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3221\" class=\"ninja_table_row_0 nt_row_id_3221\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"3222\" class=\"ninja_table_row_1 nt_row_id_3222\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 39 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3223\" class=\"ninja_table_row_2 nt_row_id_3223\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>200 kostenlos, danach 0,10 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3224\" class=\"ninja_table_row_3 nt_row_id_3224\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>2 One Card Mastercard + 50 virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3229\" class=\"ninja_table_row_4 nt_row_id_3229\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>4 Unterkonto mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"3225\" class=\"ninja_table_row_5 nt_row_id_3225\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3226\" class=\"ninja_table_row_6 nt_row_id_3226\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3227\" class=\"ninja_table_row_7 nt_row_id_3227\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3228\" class=\"ninja_table_row_8 nt_row_id_3228\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3230\" class=\"ninja_table_row_9 nt_row_id_3230\">\n            <td><strong>Extras<\/strong><\/td><td>Premium-Kundenservice: Pers\u00f6nliche:r Kundenbetreuer ab dem ersten Tag, Budgets und Steuern mit 4 Unterkonten<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4361-e27 m3d5-1 m3d5-3 m3d5-5 m3d5-6 m3d5-9\"><div class=\"x-row-inner\"><div class=\"x-col e4361-e28 m3d5-a m3d5-c\"><a class=\"x-anchor x-anchor-button e4361-e29 m3d5-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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-3075 e3075-e0\"><div class=\"x-section e3075-e2 m2df-0\"><div class=\"x-row e3075-e3 m2df-1 m2df-2 m2df-6 m2df-7\"><div class=\"x-row-inner\"><div class=\"x-col e3075-e4 m2df-a m2df-b\"><div class=\"x-row e3075-e5 m2df-1 m2df-3 m2df-4 m2df-6 m2df-8\"><div class=\"x-row-inner\"><div class=\"x-col e3075-e6 m2df-a m2df-c\"><a class=\"x-image e3075-e7 m2df-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-business\" 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 e3075-e8 m2df-e m2df-f m2df-g m2df-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Holvi Business<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3075-e9 m2df-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.5 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3075-e10 m2df-e m2df-g m2df-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\/geschaeftskonto\/holvi-business\/\">Holvi Business Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3075-e11 m2df-a m2df-c\"><div class=\"x-grid x-container max width e3075-e12 m2df-l\"><div class=\"x-cell e3075-e13 m2df-m\"><div class=\"x-text x-text-headline e3075-e14 m2df-e m2df-h m2df-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3075-e15 m2df-n m2df-o\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG &amp; KG<\/p><\/div><\/div><div class=\"x-cell e3075-e16 m2df-m\"><div class=\"x-text x-text-headline e3075-e17 m2df-e m2df-h m2df-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3075-e18 m2df-n m2df-o\"><p style=\"text-align: center;\">59 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3075-e19 m2df-m\"><div class=\"x-text x-text-headline e3075-e20 m2df-e m2df-h m2df-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3075-e21 m2df-n m2df-o\"><p style=\"text-align: center;\">15 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e3075-e22 m2df-m\"><div class=\"x-text x-text-headline e3075-e23 m2df-e m2df-h m2df-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3075-e24 m2df-n m2df-o\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><\/div><div class=\"x-acc e3075-e25 m2df-q\" id=\"x-acc-e3075-e25\"><div class=\"e3075-e26 x-acc-item\"><p id=\"tab-e3075-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3075-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3075-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3075-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3075-e26\" data-x-toggleable=\"e3075-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3075-e27 m2df-n m2df-p\"><div id=\"footable_parent_3076\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_17\" data-footable_id=\"3076\" data-filter-delay=\"1000\" aria-label=\"Holvi Business Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_3076\"\n           data-unique_identifier=\"ninja_table_unique_id_2972227789_3076\"\n           class=\" foo-table ninja_footable foo_table_3076 ninja_table_unique_id_2972227789_3076 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2134\" class=\"ninja_table_row_0 nt_row_id_2134\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG & KG<\/td>        <\/tr>\n            <tr data-row_id=\"2135\" class=\"ninja_table_row_1 nt_row_id_2135\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>bei Jahreszahlung 59\u20ac p.M.; bei monatlicher Zahlung 69\u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"2136\" class=\"ninja_table_row_2 nt_row_id_2136\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"2137\" class=\"ninja_table_row_3 nt_row_id_2137\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>5 klassische und 20 virtuelle Debitkarte inklusive, 3 \u20ac je zus\u00e4tzliche Bankkarte<\/td>        <\/tr>\n            <tr data-row_id=\"2143\" class=\"ninja_table_row_4 nt_row_id_2143\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>15 deutsche IBANs inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"2138\" class=\"ninja_table_row_5 nt_row_id_2138\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>bis 2.000\u20ac kostenlos, dann 2%<\/td>        <\/tr>\n            <tr data-row_id=\"2139\" class=\"ninja_table_row_6 nt_row_id_2139\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"2140\" class=\"ninja_table_row_7 nt_row_id_2140\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"2141\" class=\"ninja_table_row_8 nt_row_id_2141\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Gelder liegen bei Nordea Bank und Aktia Bank (Finland)<\/td>        <\/tr>\n            <tr data-row_id=\"2142\" class=\"ninja_table_row_9 nt_row_id_2142\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"2144\" class=\"ninja_table_row_10 nt_row_id_2144\">\n            <td><strong>Extras<\/strong><\/td><td>Bis zu 4,00 % p. a. auf Geldmarktfonds f\u00fcr neue GmbHs\/UGs<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3075-e28 m2df-1 m2df-3 m2df-5 m2df-6 m2df-9\"><div class=\"x-row-inner\"><div class=\"x-col e3075-e29 m2df-a m2df-c\"><a class=\"x-anchor x-anchor-button e3075-e30 m2df-r\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-holvi-business\" 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-4362 e4362-e0\"><div class=\"x-section e4362-e2 m3d6-0\"><div class=\"x-row e4362-e3 m3d6-1 m3d6-2 m3d6-6 m3d6-7\"><div class=\"x-row-inner\"><div class=\"x-col e4362-e4 m3d6-a m3d6-b\"><div class=\"x-row e4362-e5 m3d6-1 m3d6-3 m3d6-4 m3d6-6 m3d6-8\"><div class=\"x-row-inner\"><div class=\"x-col e4362-e6 m3d6-a m3d6-c\"><a class=\"x-image e4362-e7 m3d6-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4362-e8 m3d6-e m3d6-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Essential<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4362-e9 m3d6-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.3 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.3 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4362-e10 m3d6-a m3d6-c\"><div class=\"x-grid x-container max width e4362-e11 m3d6-i\"><div class=\"x-cell e4362-e12 m3d6-j\"><div class=\"x-text x-text-headline e4362-e13 m3d6-e m3d6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4362-e14 m3d6-k m3d6-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e4362-e15 m3d6-j\"><div class=\"x-text x-text-headline e4362-e16 m3d6-e m3d6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4362-e17 m3d6-k m3d6-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach ab 49\u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4362-e18 m3d6-j\"><div class=\"x-text x-text-headline e4362-e19 m3d6-e m3d6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4362-e20 m3d6-k m3d6-l\"><p style=\"text-align: center;\">9 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e4362-e21 m3d6-j\"><div class=\"x-text x-text-headline e4362-e22 m3d6-e m3d6-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4362-e23 m3d6-k m3d6-l\"><p style=\"text-align: center;\">250 kostenlose Buchungen, danach 0,15 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4362-e24 m3d6-n\" id=\"x-acc-e4362-e24\"><div class=\"e4362-e25 x-acc-item\"><p id=\"tab-e4362-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4362-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4362-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4362-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4362-e25\" data-x-toggleable=\"e4362-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4362-e26 m3d6-k m3d6-m\"><div id=\"footable_parent_4369\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_18\" data-footable_id=\"4369\" data-filter-delay=\"1000\" aria-label=\"qonto essential Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4369\"\n           data-unique_identifier=\"ninja_table_unique_id_1130397145_4369\"\n           class=\" foo-table ninja_footable foo_table_4369 ninja_table_unique_id_1130397145_4369 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3236\" class=\"ninja_table_row_0 nt_row_id_3236\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"3237\" class=\"ninja_table_row_1 nt_row_id_3237\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 49 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3238\" class=\"ninja_table_row_2 nt_row_id_3238\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>250 kostenlos, danach 0,15 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3239\" class=\"ninja_table_row_3 nt_row_id_3239\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>2 One Card Mastercard + 50 virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3244\" class=\"ninja_table_row_4 nt_row_id_3244\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>9 Unterkonten mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"3240\" class=\"ninja_table_row_5 nt_row_id_3240\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3241\" class=\"ninja_table_row_6 nt_row_id_3241\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3242\" class=\"ninja_table_row_7 nt_row_id_3242\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3243\" class=\"ninja_table_row_8 nt_row_id_3243\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3245\" class=\"ninja_table_row_9 nt_row_id_3245\">\n            <td><strong>Extras<\/strong><\/td><td>Unbegrenzter Teamzugang<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4362-e27 m3d6-1 m3d6-3 m3d6-5 m3d6-6 m3d6-9\"><div class=\"x-row-inner\"><div class=\"x-col e4362-e28 m3d6-a m3d6-c\"><a class=\"x-anchor x-anchor-button e4362-e29 m3d6-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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-4363 e4363-e0\"><div class=\"x-section e4363-e2 m3d7-0\"><div class=\"x-row e4363-e3 m3d7-1 m3d7-2 m3d7-6 m3d7-7\"><div class=\"x-row-inner\"><div class=\"x-col e4363-e4 m3d7-a m3d7-b\"><div class=\"x-row e4363-e5 m3d7-1 m3d7-3 m3d7-4 m3d7-6 m3d7-8\"><div class=\"x-row-inner\"><div class=\"x-col e4363-e6 m3d7-a m3d7-c\"><a class=\"x-image e4363-e7 m3d7-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4363-e8 m3d7-e m3d7-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Business<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4363-e9 m3d7-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.2 \/ 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-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      3.2 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4363-e10 m3d7-a m3d7-c\"><div class=\"x-grid x-container max width e4363-e11 m3d7-i\"><div class=\"x-cell e4363-e12 m3d7-j\"><div class=\"x-text x-text-headline e4363-e13 m3d7-e m3d7-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4363-e14 m3d7-k m3d7-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e4363-e15 m3d7-j\"><div class=\"x-text x-text-headline e4363-e16 m3d7-e m3d7-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4363-e17 m3d7-k m3d7-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach ab 99 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4363-e18 m3d7-j\"><div class=\"x-text x-text-headline e4363-e19 m3d7-e m3d7-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4363-e20 m3d7-k m3d7-l\"><p style=\"text-align: center;\">29 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e4363-e21 m3d7-j\"><div class=\"x-text x-text-headline e4363-e22 m3d7-e m3d7-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4363-e23 m3d7-k m3d7-l\"><p style=\"text-align: center;\">500 kostenlose Buchungen, danach 0,15 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4363-e24 m3d7-n\" id=\"x-acc-e4363-e24\"><div class=\"e4363-e25 x-acc-item\"><p id=\"tab-e4363-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4363-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4363-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4363-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4363-e25\" data-x-toggleable=\"e4363-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4363-e26 m3d7-k m3d7-m\"><div id=\"footable_parent_4370\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_19\" data-footable_id=\"4370\" data-filter-delay=\"1000\" aria-label=\"qonto business Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4370\"\n           data-unique_identifier=\"ninja_table_unique_id_4049760068_4370\"\n           class=\" foo-table ninja_footable foo_table_4370 ninja_table_unique_id_4049760068_4370 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3251\" class=\"ninja_table_row_0 nt_row_id_3251\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"3252\" class=\"ninja_table_row_1 nt_row_id_3252\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 99 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3253\" class=\"ninja_table_row_2 nt_row_id_3253\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>500 kostenlos, danach 0,15 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3254\" class=\"ninja_table_row_3 nt_row_id_3254\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>10 One Card Mastercard + unbegrenzt viele virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3259\" class=\"ninja_table_row_4 nt_row_id_3259\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>29 Unterkonten mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"3255\" class=\"ninja_table_row_5 nt_row_id_3255\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3256\" class=\"ninja_table_row_6 nt_row_id_3256\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3257\" class=\"ninja_table_row_7 nt_row_id_3257\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3258\" class=\"ninja_table_row_8 nt_row_id_3258\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3260\" class=\"ninja_table_row_9 nt_row_id_3260\">\n            <td><strong>Extras<\/strong><\/td><td>Schnellere Hilfe durch pers\u00f6nlichen Support<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4363-e27 m3d7-1 m3d7-3 m3d7-5 m3d7-6 m3d7-9\"><div class=\"x-row-inner\"><div class=\"x-col e4363-e28 m3d7-a m3d7-c\"><a class=\"x-anchor x-anchor-button e4363-e29 m3d7-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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-2874 e2874-e0\"><div class=\"x-section e2874-e2 m27u-0\"><div class=\"x-row e2874-e3 m27u-1 m27u-2 m27u-6 m27u-7\"><div class=\"x-row-inner\"><div class=\"x-col e2874-e4 m27u-a m27u-b\"><div class=\"x-row e2874-e5 m27u-1 m27u-3 m27u-4 m27u-6 m27u-8\"><div class=\"x-row-inner\"><div class=\"x-col e2874-e6 m27u-a m27u-c\"><div class=\"x-anchor x-anchor-button has-graphic e2874-e7 m27u-d m27u-e\" 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=\"&#xe529;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">5 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e2874-e8 m27u-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-pro-business\" 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 e2874-e9 m27u-h m27u-i m27u-j m27u-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Finom Pro<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2874-e10 m27u-n\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.2 \/ 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-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      3.2 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e2874-e11 m27u-h m27u-j m27u-l\"><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\/geschaeftskonto\/finom-pro\/\">Finom Pro Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e2874-e12 m27u-a m27u-c\"><div class=\"x-grid x-container max width e2874-e13 m27u-o\"><div class=\"x-cell e2874-e14 m27u-p\"><div class=\"x-text x-text-headline e2874-e15 m27u-h m27u-k m27u-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2874-e16 m27u-q m27u-r\"><p style=\"text-align: center;\">Kleine bis mittlere Unternehmen<\/p><\/div><\/div><div class=\"x-cell e2874-e17 m27u-p\"><div class=\"x-text x-text-headline e2874-e18 m27u-h m27u-k m27u-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2874-e19 m27u-q m27u-r\"><p style=\"text-align: center;\">149 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2874-e20 m27u-p\"><div class=\"x-text x-text-headline e2874-e21 m27u-h m27u-k m27u-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2874-e22 m27u-q m27u-r\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><div class=\"x-cell e2874-e23 m27u-p\"><div class=\"x-text x-text-headline e2874-e24 m27u-h m27u-k m27u-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e2874-e25 m27u-q m27u-r\"><p style=\"text-align: center;\">kostenlos bis 100.00\u20ac, dar\u00fcber 0,025 % pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e2874-e26 m27u-t\" id=\"x-acc-e2874-e26\"><div class=\"e2874-e27 x-acc-item\"><p id=\"tab-e2874-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2874-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2874-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e2874-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2874-e27\" data-x-toggleable=\"e2874-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2874-e28 m27u-q m27u-s\"><div id=\"footable_parent_2896\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_20\" data-footable_id=\"2896\" data-filter-delay=\"1000\" aria-label=\"Finom Pro Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2896\"\n           data-unique_identifier=\"ninja_table_unique_id_2676973600_2896\"\n           class=\" foo-table ninja_footable foo_table_2896 ninja_table_unique_id_2676973600_2896 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"1898\" class=\"ninja_table_row_0 nt_row_id_1898\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Kleine bis mittlere Unternehmen<\/td>        <\/tr>\n            <tr data-row_id=\"1899\" class=\"ninja_table_row_1 nt_row_id_1899\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>149 \u20ac mtl., 119 \u20ac mtl. bei j\u00e4hrlicher Zahlung<\/td>        <\/tr>\n            <tr data-row_id=\"1900\" class=\"ninja_table_row_2 nt_row_id_1900\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>kostenlos bis 100.000 \u20ac, dar\u00fcber 0,025%<\/td>        <\/tr>\n            <tr data-row_id=\"1901\" class=\"ninja_table_row_3 nt_row_id_1901\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>3 physische VISA, unbegrenzte virtuelle VISA<\/td>        <\/tr>\n            <tr data-row_id=\"1907\" class=\"ninja_table_row_4 nt_row_id_1907\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzte Anzahl an Unterkonten<\/td>        <\/tr>\n            <tr data-row_id=\"1902\" class=\"ninja_table_row_5 nt_row_id_1902\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>0% bis 2.000\u20ac, 3% von 2.000\u20ac - 5.000\u20ac; 5% von 5.000\u20ac - 10.000\u20ac, 8% ab 10.000\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1903\" class=\"ninja_table_row_6 nt_row_id_1903\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>0 % bis 499 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1904\" class=\"ninja_table_row_7 nt_row_id_1904\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1905\" class=\"ninja_table_row_8 nt_row_id_1905\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1906\" class=\"ninja_table_row_9 nt_row_id_1906\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1908\" class=\"ninja_table_row_10 nt_row_id_1908\">\n            <td><strong>Extras<\/strong><\/td><td>unbegrenztes Cashback bis 0,5 %<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e2874-e29 m27u-1 m27u-3 m27u-5 m27u-6 m27u-9\"><div class=\"x-row-inner\"><div class=\"x-col e2874-e30 m27u-a m27u-c\"><a class=\"x-anchor x-anchor-button e2874-e31 m27u-d m27u-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-pro-business\" 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-4364 e4364-e0\"><div class=\"x-section e4364-e2 m3d8-0\"><div class=\"x-row e4364-e3 m3d8-1 m3d8-2 m3d8-6 m3d8-7\"><div class=\"x-row-inner\"><div class=\"x-col e4364-e4 m3d8-a m3d8-b\"><div class=\"x-row e4364-e5 m3d8-1 m3d8-3 m3d8-4 m3d8-6 m3d8-8\"><div class=\"x-row-inner\"><div class=\"x-col e4364-e6 m3d8-a m3d8-c\"><a class=\"x-image e4364-e7 m3d8-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_qonto_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e4364-e8 m3d8-e m3d8-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Enterprise<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4364-e9 m3d8-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3 \/ 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-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      3 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e4364-e10 m3d8-a m3d8-c\"><div class=\"x-grid x-container max width e4364-e11 m3d8-i\"><div class=\"x-cell e4364-e12 m3d8-j\"><div class=\"x-text x-text-headline e4364-e13 m3d8-e m3d8-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Unternehmensform<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4364-e14 m3d8-k m3d8-l\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e4364-e15 m3d8-j\"><div class=\"x-text x-text-headline e4364-e16 m3d8-e m3d8-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kontof\u00fchrungsgeb\u00fchr p.M.<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4364-e17 m3d8-k m3d8-l\"><p style=\"text-align: center;\">30 Tage kostenlos, danach ab 199 \u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e4364-e18 m3d8-j\"><div class=\"x-text x-text-headline e4364-e19 m3d8-e m3d8-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Unterkonten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4364-e20 m3d8-k m3d8-l\"><p style=\"text-align: center;\">99 Unterkonten mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e4364-e21 m3d8-j\"><div class=\"x-text x-text-headline e4364-e22 m3d8-e m3d8-g\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Kosten pro Buchung<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e4364-e23 m3d8-k m3d8-l\"><p style=\"text-align: center;\">10.000 kostenlose Buchungen, danach 0,10 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4364-e24 m3d8-n\" id=\"x-acc-e4364-e24\"><div class=\"e4364-e25 x-acc-item\"><p id=\"tab-e4364-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4364-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4364-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4364-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4364-e25\" data-x-toggleable=\"e4364-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4364-e26 m3d8-k m3d8-m\"><div id=\"footable_parent_4371\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table\">\n                <table data-ninja_table_instance=\"ninja_table_instance_21\" data-footable_id=\"4371\" data-filter-delay=\"1000\" aria-label=\"qonto enterprise Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4371\"\n           data-unique_identifier=\"ninja_table_unique_id_3797615668_4371\"\n           class=\" foo-table ninja_footable foo_table_4371 ninja_table_unique_id_3797615668_4371 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row hide_stacked_th ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_leistung \">Leistung<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_wert \">Wert<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"3266\" class=\"ninja_table_row_0 nt_row_id_3266\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"3267\" class=\"ninja_table_row_1 nt_row_id_3267\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>30 Tage kostenlos, danach ab 199 \u20ac p.M.\u00a0<\/td>        <\/tr>\n            <tr data-row_id=\"3268\" class=\"ninja_table_row_2 nt_row_id_3268\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>10.000 kostenlos, danach 0,10 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3269\" class=\"ninja_table_row_3 nt_row_id_3269\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>30 One Card Mastercard + unbegrenzt viele virtuelle Karten<\/td>        <\/tr>\n            <tr data-row_id=\"3274\" class=\"ninja_table_row_4 nt_row_id_3274\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>99 Unterkonten mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"3270\" class=\"ninja_table_row_5 nt_row_id_3270\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1 kostenlose Bargeldabhebung, danach 2 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3271\" class=\"ninja_table_row_6 nt_row_id_3271\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2%<\/td>        <\/tr>\n            <tr data-row_id=\"3272\" class=\"ninja_table_row_7 nt_row_id_3272\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3273\" class=\"ninja_table_row_8 nt_row_id_3273\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3275\" class=\"ninja_table_row_9 nt_row_id_3275\">\n            <td><strong>Extras<\/strong><\/td><td>Schnellere Hilfe durch pers\u00f6nlichen Support<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e4364-e27 m3d8-1 m3d8-3 m3d8-5 m3d8-6 m3d8-9\"><div class=\"x-row-inner\"><div class=\"x-col e4364-e28 m3d8-a m3d8-c\"><a class=\"x-anchor x-anchor-button e4364-e29 m3d8-o\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/qonto-gesch\u00e4ftskonto\" 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 id=\"nutzen\" class=\"x-text x-text-headline e3172-e36 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Pflicht oder K\u00fcr? Warum GmbH und UG ein Gesch\u00e4ftskonto praktisch immer brauchen<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e37 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>F\u00fcr GmbH und UG ist ein eigenes Gesch\u00e4ftskonto keine Komfortfrage, sondern eine rechtliche und praktische Notwendigkeit. Als Kapitalgesellschaften sind beide Rechtsformen eigenst\u00e4ndige juristische Personen. Das Gesellschaftsverm\u00f6gen muss klar vom Privatverm\u00f6gen der Gesellschafter getrennt werden. Genau diese Trennung erfordert ein Konto, das ausschlie\u00dflich f\u00fcr gesch\u00e4ftliche Zwecke genutzt wird.<\/p>\n<p>Bereits im Gr\u00fcndungsprozess spielt das <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/\">Konto<\/a> eine zentrale Rolle. Das Stammkapital der GmbH betr\u00e4gt mindestens 25.000 Euro, wovon zur Eintragung in das Handelsregister in der Regel mindestens die H\u00e4lfte, also 12.500 Euro, auf ein Gesch\u00e4ftskonto eingezahlt werden muss. Bei der UG reicht theoretisch ein Euro als Stammkapital aus. Allerdings schreibt das Gesetz vor, dass j\u00e4hrlich 25 Prozent des Gewinns in eine R\u00fccklage flie\u00dfen, bis das Kapital der klassischen GmbH von 25.000 Euro erreicht ist. In beiden F\u00e4llen verlangt das Registergericht zur Eintragung einen Einzahlungsnachweis der Bank. Ohne Konto l\u00e4sst sich die Gesellschaft daher nicht wirksam gr\u00fcnden.<\/p>\n<p>Im laufenden Betrieb b\u00fcndelt das Gesch\u00e4ftskonto s\u00e4mtliche Zahlungsstr\u00f6me der Gesellschaft. Honorare, Lieferantenrechnungen, Geh\u00e4lter, Sozialabgaben, Darlehensraten und Steuerzahlungen laufen \u00fcber dieses Konto. F\u00fcr die Buchhaltung, den Jahresabschluss und eine m\u00f6gliche Betriebspr\u00fcfung ist es entscheidend, dass diese Vorg\u00e4nge sauber dokumentiert und von privaten Ausgaben getrennt sind. Ein Privatkonto w\u00e4re hier nicht nur un\u00fcbersichtlich, sondern st\u00fcnde auch im Widerspruch zum Trennungsprinzip der Besteuerung.<\/p>\n<p>Hinzu kommt die Au\u00dfenwirkung. Gesch\u00e4ftspartner und Banken erwarten eine professionelle Kontoverbindung auf den Namen der Gesellschaft. F\u00fcr die Vergabe von Kontokorrentlinien oder Investitionskrediten ist ein stabiles Zahlungsverhalten auf dem Gesch\u00e4ftskonto ein wichtiger Baustein der Kreditw\u00fcrdigkeit. Wer hier fr\u00fchzeitig eine verl\u00e4ssliche Bankbeziehung aufbaut, erleichtert sp\u00e4tere Finanzierungen.<\/p><\/div><div id=\"vergleich\" class=\"x-text x-text-headline e3172-e38 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie funktioniert unser Vergleich?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e39 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>Wir haben f\u00fcr Sie die attraktivsten Gesch\u00e4ftskonten f\u00fcr GmbH und UG analysiert, um L\u00f6sungen zu identifizieren, die faire Konditionen, hohe Sicherheit und ein praxisnahes Kartenangebot f\u00fcr den Unternehmensalltag bieten. Grundlage unserer Bewertung ist ein transparentes und objektives Kriterienmodell, das die zentralen Anforderungen moderner Gesch\u00e4ftskonten f\u00fcr Kapitalgesellschaften abbildet.<\/p>\n<p><strong>So haben wir bewertet:<\/strong><\/p>\n<p>Den gr\u00f6\u00dften Einfluss auf die Gesamtbewertung haben mit 60 % die Geb\u00fchren. Ber\u00fccksichtigt werden dabei nicht nur die monatlichen Kontof\u00fchrungsgeb\u00fchren, sondern auch Kosten f\u00fcr Buchungsposten, \u00dcberweisungen, Karten, Bargeldabhebungen sowie weitere nutzungsabh\u00e4ngige Entgelte. Ein empfehlenswertes Gesch\u00e4ftskonto zeichnet sich durch transparente Preisstrukturen und gut kalkulierbare Gesamtkosten aus, unabh\u00e4ngig davon, ob Sie eine UG mit wenigen Transaktionen oder eine GmbH mit h\u00f6herem Zahlungsaufkommen und mehreren Nutzerinnen und Nutzern f\u00fchren.<\/p>\n<p>Mit jeweils 20 % flie\u00dfen das Kartenangebot und die Sicherheit in die Gesamtbewertung ein.<\/p>\n<p>Beim Kartenangebot betrachten wir die verf\u00fcgbaren Kartentypen wie Debitkarten, Kreditkarten und virtuelle Karten, deren Kosten sowie Einsatzm\u00f6glichkeiten im In- und Ausland. Ebenso wichtig ist die M\u00f6glichkeit, mehrere Karten auszustellen, etwa f\u00fcr Gesch\u00e4ftsf\u00fchrung, Buchhaltung oder Einkauf \u2013, da dies Ausgabenprozesse in GmbH und UG deutlich vereinfacht und transparenter macht.<\/p>\n<p>Der Bereich Sicherheit umfasst sowohl regulatorische als auch technische Aspekte. Dazu z\u00e4hlen die gesetzliche Einlagensicherung, moderne Sicherheitsstandards wie Zwei-Faktor-Authentifizierung und Verschl\u00fcsselung sowie Funktionen, die f\u00fcr Kapitalgesellschaften besonders relevant sind. Hierzu geh\u00f6ren unter anderem Rollen- und Rechtekonzepte, Zahlungsfreigaben und Protokollfunktionen, mit denen sich Zahlungsprozesse klar strukturieren und zuverl\u00e4ssig absichern lassen.<\/p>\n<p><strong>Sicherheit und Regulierung<\/strong><\/p>\n<p>Alle analysierten Banken haben ihren Sitz in der Europ\u00e4ischen Union oder im Europ\u00e4ischen Wirtschaftsraum und unterliegen der gesetzlichen Einlagensicherung von bis zu 100.000 Euro pro Kunde und Bank. Damit ist Ihr Guthaben auch auf einem Gesch\u00e4ftskonto f\u00fcr GmbH oder UG verl\u00e4sslich gesch\u00fctzt.<\/p>\n<p><strong>So funktioniert der Vergleich<\/strong><\/p>\n<p>Unser Gesch\u00e4ftskonto-Vergleich stellt Ihnen alle relevanten Konditionen \u00fcbersichtlich dar. Die Reihenfolge der Anbieter richtet sich nach unserer Gesamtbewertung. So erkennen Sie auf einen Blick:<\/p>\n\n<ul>\n \t<li>Gesamtbewertung und monatliche Kontof\u00fchrungsgeb\u00fchr<\/li>\n \t<li>Geb\u00fchrenstruktur und Kosten pro Transaktion<\/li>\n \t<li>enthaltene Karten (Debit-, Kredit- und virtuelle Karten)<\/li>\n \t<li>Sicherheitsfunktionen und Berechtigungskonzepte<\/li>\n \t<li>Mobile-Payment-Funktionen (Apple Pay, Google Pay etc.)<\/li>\n \t<li>Zusatzleistungen wie Cashback, Pr\u00e4mien oder Kontowechselservice<\/li>\n<\/ul><\/div><div class=\"x-acc e3172-e40 m2g4-2j m2g4-2k m2g4-2n m2g4-2o\" id=\"x-acc-e3172-e40\"><div class=\"e3172-e41 x-acc-item\"><button id=\"tab-e3172-e41\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e41\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e41\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\">&#x25b8;<\/span><span class=\"x-acc-header-text\">Zusammenfassung aller Gesch\u00e4ftskonten f\u00fcr GmbHs &amp; UGs<\/span><\/span><\/button><div id=\"panel-e3172-e41\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e41\" data-x-toggleable=\"e3172-e41\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e42 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1v\"><div id=\"footable_parent_1110\"\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_22\" data-footable_id=\"1110\" data-filter-delay=\"1000\" aria-label=\"Gesch\u00e4ftskonto f\u00fcr GmbH Vergleich Methodik\"            id=\"footable_1110\"\n           data-unique_identifier=\"ninja_table_unique_id_2969309387_1110\"\n           class=\" foo-table ninja_footable foo_table_1110 ninja_table_unique_id_2969309387_1110 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                    <\/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 \">Geb\u00fchren (60%)<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_anlagebetrag_10 \">Karten (20%)<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_sicherheit_20 \">Sicherheit (20%)<\/th><th scope=\"col\"  class=\"ninja_column_4 ninja_clmn_nm_gesamtbewertung \">Gesamtbewertung<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2752\" class=\"ninja_table_row_0 nt_row_id_2752\">\n            <td>Vivid Business Basic<\/td><td>5<\/td><td>4<\/td><td>5<\/td><td>4,8<\/td>        <\/tr>\n            <tr data-row_id=\"2753\" class=\"ninja_table_row_1 nt_row_id_2753\">\n            <td>Fyrst Base<\/td><td>4,5<\/td><td>4,5<\/td><td>5<\/td><td>4,7<\/td>        <\/tr>\n            <tr data-row_id=\"2754\" class=\"ninja_table_row_2 nt_row_id_2754\">\n            <td>Holvi Flex<\/td><td>4,5<\/td><td>3<\/td><td>5<\/td><td>4,3<\/td>        <\/tr>\n            <tr data-row_id=\"2755\" class=\"ninja_table_row_3 nt_row_id_2755\">\n            <td>Qonto Basic<\/td><td>4,5<\/td><td>3,5<\/td><td>5<\/td><td>4,3<\/td>        <\/tr>\n            <tr data-row_id=\"2756\" class=\"ninja_table_row_4 nt_row_id_2756\">\n            <td>Kontist Free<\/td><td>4<\/td><td>3<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2757\" class=\"ninja_table_row_5 nt_row_id_2757\">\n            <td>Tide<\/td><td>4<\/td><td>3<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2761\" class=\"ninja_table_row_6 nt_row_id_2761\">\n            <td>Holvi Pro<\/td><td>3,5<\/td><td>5<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2758\" class=\"ninja_table_row_7 nt_row_id_2758\">\n            <td>Holvi Lite<\/td><td>3,5<\/td><td>4<\/td><td>5<\/td><td>3,9<\/td>        <\/tr>\n            <tr data-row_id=\"2759\" class=\"ninja_table_row_8 nt_row_id_2759\">\n            <td>tide Smart<\/td><td>3,5<\/td><td>4<\/td><td>5<\/td><td>3,9<\/td>        <\/tr>\n            <tr data-row_id=\"2763\" class=\"ninja_table_row_9 nt_row_id_2763\">\n            <td>Postbank Business Giro aktiv plus<\/td><td>3,5<\/td><td>4<\/td><td>5<\/td><td>3,9<\/td>        <\/tr>\n            <tr data-row_id=\"2760\" class=\"ninja_table_row_10 nt_row_id_2760\">\n            <td>Kontist Start<\/td><td>3<\/td><td>5<\/td><td>5<\/td><td>3,8<\/td>        <\/tr>\n            <tr data-row_id=\"3292\" class=\"ninja_table_row_11 nt_row_id_3292\">\n            <td>Qonto Smart<\/td><td>3,5<\/td><td>3,5<\/td><td>5<\/td><td>3,6<\/td>        <\/tr>\n            <tr data-row_id=\"2764\" class=\"ninja_table_row_12 nt_row_id_2764\">\n            <td>Finom Smart<\/td><td>2,5<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"2765\" class=\"ninja_table_row_13 nt_row_id_2765\">\n            <td>Commerzbank<\/td><td>3,5<\/td><td>2<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"2766\" class=\"ninja_table_row_14 nt_row_id_2766\">\n            <td>Kontist Plus<\/td><td>2,5<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"3293\" class=\"ninja_table_row_15 nt_row_id_3293\">\n            <td>Qonto Premium<\/td><td>3<\/td><td>3,5<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"2767\" class=\"ninja_table_row_16 nt_row_id_2767\">\n            <td>Holvi Business<\/td><td>2,5<\/td><td>5<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"2762\" class=\"ninja_table_row_17 nt_row_id_2762\">\n            <td>Revolut Basic Business<\/td><td>3<\/td><td>3<\/td><td>5<\/td><td>3,4<\/td>        <\/tr>\n            <tr data-row_id=\"3294\" class=\"ninja_table_row_18 nt_row_id_3294\">\n            <td>Qonto Essential<\/td><td>3<\/td><td>3<\/td><td>5<\/td><td>3,3<\/td>        <\/tr>\n            <tr data-row_id=\"2768\" class=\"ninja_table_row_19 nt_row_id_2768\">\n            <td>Finom Pro<\/td><td>2<\/td><td>5<\/td><td>5<\/td><td>3,2<\/td>        <\/tr>\n            <tr data-row_id=\"3295\" class=\"ninja_table_row_20 nt_row_id_3295\">\n            <td>Qonto Business<\/td><td>2<\/td><td>5<\/td><td>5<\/td><td>3,2<\/td>        <\/tr>\n            <tr data-row_id=\"3296\" class=\"ninja_table_row_21 nt_row_id_3296\">\n            <td>Qonto Enterprise<\/td><td>2<\/td><td>3<\/td><td>5<\/td><td>3,0<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div id=\"auswahl\" class=\"x-text x-text-headline e3172-e43 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Was ein GmbH\/UG-Konto k\u00f6nnen muss<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e44 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>Damit ein Gesch\u00e4ftskonto zur Arbeitsweise einer GmbH oder UG passt, sollte es einige Funktionen zwingend beherrschen. Die folgenden Punkte sind besonders wichtig:<\/p>\n\n<ul>\n \t<li><strong>Mehrere Nutzer, Rollen und Freigaben:<\/strong> Ein Konto f\u00fcr eine Kapitalgesellschaft sollte nicht nur einen einzigen Onlinezugang bieten. Gesch\u00e4ftsf\u00fchrung, Prokuristen, Buchhaltung und Steuerberatung ben\u00f6tigen oft unterschiedliche Rechte. Wichtig sind daher mehrere Nutzerprofile, individuelle Limits und Freigaberegeln bis hin zum Vier-Augen-Prinzip f\u00fcr gr\u00f6\u00dfere Zahlungen.<\/li>\n \t<li><strong>SEPA-Lastschrift und SEPA-Firmenlastschrift:<\/strong> Viele Gesellschaften zahlen Versicherungen, Leasingraten oder Software-Abos per Lastschrift oder ziehen selbst Mitgliedsbeitr\u00e4ge und Geb\u00fchren ein. Das Konto sollte sowohl normale SEPA-Basislastschriften als auch Firmenlastschriften unterst\u00fctzen. Letztere werden im B2B-Bereich genutzt und erfordern besondere Mandatsverwaltung.<\/li>\n \t<li><strong>Sammel\u00fcberweisungen und hohe Limits:<\/strong> L\u00f6hne, Honorare oder Lieferantenrechnungen werden oft gesammelt gezahlt. Ein gutes Gesch\u00e4ftskonto erlaubt Sammelauftr\u00e4ge, flexible Tageslimits und eine einfache Freigabe, idealerweise direkt aus der Buchhaltungssoftware. F\u00fcr Kapitalgesellschaften sind zu enge Standardlimits auf Dauer unpraktisch.<\/li>\n \t<li><strong>Unterkonten f\u00fcr R\u00fccklagen, Steuern und Budgets:<\/strong> Virtuelle Unterkonten oder echte Zusatzkonten helfen dabei, Liquidit\u00e4tsreserven, Steuer\u00adr\u00fccklagen oder Projektbudgets getrennt zu f\u00fchren. Gerade bei UG und GmbH ist es sinnvoll, R\u00fccklagen f\u00fcr K\u00f6rperschaftsteuer, Gewerbesteuer und die vorgeschriebene Thesaurierung klar zu separieren.<\/li>\n \t<li><strong>Zahlungsabgleich und Referenzen:<\/strong> Moderne Gesch\u00e4ftskonten k\u00f6nnen Zahlungseing\u00e4nge anhand von Rechnungsnummern automatisch zuordnen. Offene Posten in der Debitorenbuchhaltung lassen sich damit schneller abgleichen. Schnittstellen zu g\u00e4ngigen ERP- und Buchhaltungssystemen sparen zus\u00e4tzlich Zeit.<\/li>\n \t<li><strong>Export f\u00fcr Buchhaltung und Steuer:<\/strong> Mindestens ebenso wichtig sind saubere Exporte im DATEV-Format oder API-Anbindungen an Cloud-Buchhaltungen. Nur wenn Kontoausz\u00fcge, Belege und Zahlungsdaten strukturiert \u00fcbertragen werden k\u00f6nnen, bleibt der Aufwand f\u00fcr Jahresabschluss und Betriebspr\u00fcfung \u00fcberschaubar.<\/li>\n<\/ul><\/div><div id=\"kosten\" class=\"x-text x-text-headline e3172-e45 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Kostenfallen vermeiden: So lesen Sie Preisverzeichnisse richtig<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e46 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>Bei Gesch\u00e4ftskonten f\u00fcr GmbH und UG ist der Preis auf den ersten Blick oft schwer zu vergleichen. Einige Anbieter locken mit niedrigen Grundgeb\u00fchren, holen sich die Marge dann jedoch \u00fcber Buchungsposten, Karten oder Bargeld. Es lohnt sich daher, die Kostenbl\u00f6cke systematisch zu pr\u00fcfen.<\/p>\n<p><strong>Typische Kostenpositionen sind:<\/strong><\/p>\n\n<ul>\n \t<li><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat:<\/strong> Grundpreis des Kontos, teilweise in Stufen je nach Nutzerzahl, Karten und inkludierten Buchungen.<\/li>\n \t<li><strong>Buchungsposten im Transaktionsmodell:<\/strong> Entgelte f\u00fcr beleglose Buchungen wie \u00dcberweisungen, Gutschriften und Lastschriften, sofern diese nicht in einem Freikontingent enthalten sind. Bei h\u00e4ufigen Zahlungen kann dieser Block die Grundgeb\u00fchr deutlich \u00fcbersteigen.<\/li>\n \t<li><strong>Beleghafte Posten und Schalterservices:<\/strong> Auftr\u00e4ge in der Filiale oder per Papierformular sind meist deutlich teurer als Onlinebuchungen. Wer noch mit Schecks, Bareinzahlungen am Schalter oder Papier\u00fcberweisungen arbeitet, sollte diese Tarife genau lesen.<\/li>\n \t<li><strong>R\u00fccklastschriftgeb\u00fchren:<\/strong> Platzmangel auf dem Konto oder fehlende Deckung beim Kunden kann R\u00fccklastschriften ausl\u00f6sen. Viele Banken berechnen daf\u00fcr sowohl dem Zahlungspflichtigen als auch teilweise dem Zahlungsempf\u00e4nger Geb\u00fchren.<\/li>\n \t<li><strong>Kartenkosten, Zusatzkarten und Ersatzkarten:<\/strong> Neben der ersten Firmenkarte fallen oft Entgelte f\u00fcr weitere Debit- oder Kreditkarten an. Hinzu kommen Kosten f\u00fcr Ersatzkarten, etwa nach Verlust, sowie eventuell Jahresgeb\u00fchren f\u00fcr physische und virtuelle Kreditkarten.<\/li>\n \t<li><strong>Bargeldversorgung und Filialzugang:<\/strong> Geb\u00fchren f\u00fcr Abhebungen, insbesondere au\u00dferhalb des eigenen Automatenverbunds, sowie Kosten f\u00fcr Bargeldeinzahlungen \u00fcber Automaten, Partnerfilialen oder Handelspartner. Bei vielen digitalen Anbietern sind Einzahlungen nur begrenzt oder gar nicht m\u00f6glich, was f\u00fcr barintensive Gesch\u00e4ftsmodelle problematisch ist.<\/li>\n \t<li><strong>Auslandsums\u00e4tze und Fremdw\u00e4hrung:<\/strong> Provisionsaufschl\u00e4ge bei Kartenzahlungen und Abhebungen in Fremdw\u00e4hrung sowie m\u00f6gliche Entgelte f\u00fcr Auslands\u00fcberweisungen au\u00dferhalb des SEPA-Raums.<\/li>\n \t<li><strong>Echtzeit\u00fcberweisungen (Instant Payments):<\/strong> Seit Inkrafttreten der EU-Verordnung 2024\/886 d\u00fcrfen Echtzeit\u00fcberweisungen in Euro nicht teurer sein als herk\u00f6mmliche SEPA-Transfers. Dennoch kann es Unterschiede bei Kontomodellen geben, etwa bei Freikontingenten und Standardvorgabe, ob Instant Payments oder klassische \u00dcberweisungen voreingestellt sind.<\/li>\n \t<li><strong>Dispo, Kontokorrentlinie und Kreditzinsen:<\/strong> Kosten f\u00fcr kurzfristige Kreditlinien auf dem Gesch\u00e4ftskonto sowie m\u00f6gliche Bereitstellungsentgelte. Gerade bei GmbH und UG pr\u00fcft die Bank hierf\u00fcr Bonit\u00e4t und Gesch\u00e4ftsmodell sehr genau.<\/li>\n<\/ul>\n<p>Wer die eigene Nutzung grob absch\u00e4tzt und diese Kostenpositionen mit den Preisverzeichnissen der Banken abgleicht, kann die tats\u00e4chlichen Monatskosten deutlich realistischer einsch\u00e4tzen als nur anhand der Kontof\u00fchrungsgeb\u00fchr.<\/p><\/div><div id=\"prozess\" class=\"x-text x-text-headline e3172-e47 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Kontoer\u00f6ffnung und KYC: So l\u00e4uft es bei GmbH und UG wirklich ab<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e48 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>Die Er\u00f6ffnung eines Gesch\u00e4ftskontos f\u00fcr eine Kapitalgesellschaft ist aufwendiger als f\u00fcr ein Privatkonto. Der Grund sind strengere Vorgaben zur Geldw\u00e4schepr\u00e4vention sowie die Pflicht, die Eigent\u00fcmerstruktur l\u00fcckenlos zu dokumentieren.<\/p>\n<p><strong>In der Praxis hat sich ein grober Ablauf etabliert:<\/strong><\/p>\n\n<ol>\n \t<li><strong>Unterlagen vorbereiten:<\/strong> Gesellschaftsvertrag beziehungsweise Musterprotokoll, Gesellschafterliste, geplante Gesch\u00e4ftsanschrift, Personalausweise oder P\u00e4sse aller Gesellschafter und des oder der Gesch\u00e4ftsf\u00fchrer sowie gegebenenfalls Handelsregisteranmeldung bereitlegen. Bei mehrstufigen Beteiligungen pr\u00fcft die Bank zus\u00e4tzlich die \u00fcbergeordneten Gesellschaften, um die wirtschaftlich Berechtigten zu ermitteln.<\/li>\n \t<li><strong>Notartermin und Gr\u00fcndungsunterlagen:<\/strong> Die GmbH oder UG wird notariell beurkundet. Der Notar erstellt die Gesellschafterliste und meldet die Gesellschaft beim Handelsregister an. Viele Banken verlangen zur Kontoer\u00f6ffnung zumindest die notariellen Gr\u00fcndungsunterlagen, teilweise erg\u00e4nzt um eine vorl\u00e4ufige Registernummer.<\/li>\n \t<li><strong>Gr\u00fcndungskonto er\u00f6ffnen und Stammkapital einzahlen:<\/strong> Die Bank richtet ein Gr\u00fcndungskonto ein, auf das die Gesellschafter das Stammkapital \u00fcberweisen. F\u00fcr die Handelsregistereintragung stellt die Bank eine Einzahlungsbest\u00e4tigung aus. Ohne diesen Nachweis wird die Gesellschaft nicht eingetragen.<\/li>\n \t<li><strong>Eintragung im Handelsregister und endg\u00fcltige Kontoaktivierung:<\/strong> Nach Eingang der Registermitteilung pr\u00fcft die Bank die Daten, erg\u00e4nzt die Handelsregisternummer und schaltet das Konto als vollwertiges Gesch\u00e4ftskonto frei. Ab diesem Zeitpunkt k\u00f6nnen Zahlungen im Namen der GmbH oder UG rechtsverbindlich erfolgen.<\/li>\n \t<li><strong>KYC und UBO-Pr\u00fcfung abschlie\u00dfen:<\/strong> Die Bank ist verpflichtet, die Identit\u00e4t aller wirtschaftlich Berechtigten (Ultimate Beneficial Owner) festzustellen und laufend aktuell zu halten. Bei ausl\u00e4ndischen Gesellschaftern oder komplexen Holding-Strukturen sind beglaubigte \u00dcbersetzungen, Apostillen oder zus\u00e4tzliche Unterlagen n\u00f6tig. Solche Konstellationen f\u00fchren in der Praxis h\u00e4ufig zu Verz\u00f6gerungen.<\/li>\n \t<li><strong>Zeitplanung realistisch ansetzen:<\/strong> Obwohl viele Institute mittlerweile eine weitgehend digitale Kontoer\u00f6ffnung anbieten, k\u00f6nnen einige Tage bis Wochen vergehen, bis das Konto vollst\u00e4ndig einsatzbereit ist. Wer eine GmbH oder UG gr\u00fcndet, sollte diese Zeitspanne in die Liquidit\u00e4tsplanung einrechnen und Unterlagen m\u00f6glichst fr\u00fch vollst\u00e4ndig einreichen.<\/li>\n<\/ol><\/div><div id=\"sicherheit\" class=\"x-text x-text-headline e3172-e49 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Sicherheit und Haftung: Warum Schutzmechanismen bei Kapitalgesellschaften besonders wichtig sind<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e50 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>GmbH und UG bieten Gesellschaftern einen Haftungsschutz, der auf das Gesellschaftsverm\u00f6gen begrenzt ist. Dieser Schutz setzt jedoch voraus, dass Gesch\u00e4ftsf\u00fchrung und Verantwortliche ihre Sorgfaltspflichten erf\u00fcllen. Gerade beim Gesch\u00e4ftskonto bedeutet das, geeignete Sicherheitsmechanismen zu nutzen und typische Betrugsrisiken ernst zu nehmen.<\/p>\n<p>Ein zentrales Fundament ist die Einlagensicherung. In Deutschland und der Europ\u00e4ischen Union sind Einlagen auf Giro-, Tagesgeld- und Festgeldkonten grunds\u00e4tzlich bis 100.000 Euro pro Kunde und Bank gesetzlich abgesichert.<br \/>\n<br \/>\nViele Institute geh\u00f6ren dar\u00fcber hinaus freiwilligen Sicherungssystemen an, die deutlich h\u00f6here Betr\u00e4ge abdecken. F\u00fcr Kapitalgesellschaften mit gr\u00f6\u00dferen Guthaben lohnt sich ein Blick in die jeweiligen Sicherungsgrenzen.<\/p>\n<p>Auf der operativen Ebene spielen technische Sicherheitsverfahren eine zentrale Rolle. Starke Kundenauthentifizierung mit Zwei-Faktor-Verfahren, individuelle Nutzerprofile, Freigabeprozesse f\u00fcr Zahlungen und detaillierte Protokolle helfen, unautorisierte Transaktionen zu verhindern oder zumindest schnell zu erkennen.<br \/>\n<br \/>\nNeue EU-Regeln sehen dar\u00fcber hinaus verpflichtende Empf\u00e4ngerpr\u00fcfungen vor. Bei \u00dcberweisungen muss gepr\u00fcft werden, ob Name und IBAN zusammenpassen, Abweichungen werden gemeldet und Zahlungen gegebenenfalls blockiert.<\/p>\n<p>Besonders kritisch sind Phishing, CEO-Fraud und manipulierte Zahlungsanweisungen. Angreifer geben sich etwa als Gesch\u00e4ftsf\u00fchrung aus und veranlassen Buchhaltung oder Treasury zu Eil\u00fcberweisungen auf ausl\u00e4ndische Konten. Klare interne Richtlinien, Freigaberegeln und die konsequente Nutzung des Vier-Augen-Prinzips sind hier ebenso wichtig wie geschulte Mitarbeitende. Viele Banken bieten zus\u00e4tzliche Schutzfunktionen wie Transaktionslimits, Geofencing bei Karten oder automatische Warnhinweise bei ungew\u00f6hnlichen Zahlungen.<\/p>\n<p>Im Ernstfall kann ein fahrl\u00e4ssiger Umgang mit diesen Sicherheitsmechanismen zu pers\u00f6nlicher Haftung der Gesch\u00e4ftsf\u00fchrung f\u00fchren, etwa wenn interne Kontrollen grob vernachl\u00e4ssigt wurden. Es lohnt sich daher, die Sicherheitsfunktionen des Kontos nicht nur als l\u00e4stiges Zusatzfeature zu sehen, sondern als integralen Teil der Corporate Governance.<\/p><\/div><div id=\"gr\u00fcndung\" class=\"x-text x-text-headline e3172-e51 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Gr\u00fcndungskonto und Stammkapital: Worauf Sie bei der Einzahlung achten sollten<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3172-e52 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1t m2g4-1w m2g4-1x m2g4-1y m2g4-1z m2g4-20\"><p>Das Gr\u00fcndungskonto ist f\u00fcr GmbH und UG der erste wichtige Praxiskontakt mit der Bank. Hier flie\u00dft das Stammkapital ein, das den Gl\u00e4ubigern als Haftungsmasse dient und deshalb besonders sorgf\u00e4ltig behandelt werden muss.<\/p>\n<p>Bei der GmbH betr\u00e4gt das gesetzliche Mindeststammkapital 25.000 Euro. Zur Eintragung in das Handelsregister gen\u00fcgt es, wenn mindestens die H\u00e4lfte, also 12.500 Euro, als Bareinlage auf das Gr\u00fcndungskonto eingezahlt ist.<\/p>\n<p>Sacheinlagen m\u00fcssen dagegen vollst\u00e4ndig eingebracht und bewertet sein. Entscheidend ist eine saubere Dokumentation. \u00dcberweisungen sollten eindeutig gekennzeichnet werden, etwa mit dem Verwendungszweck \"Stammeinlage GmbH\" und dem Namen des Gesellschafters. Kontoausz\u00fcge und Bankbest\u00e4tigungen sollten Sie sorgf\u00e4ltig archivieren, da sie bei sp\u00e4teren Finanzierungen oder in einer Krise als Nachweis dienen.<\/p>\n<p>Die UG haftungsbeschr\u00e4nkt kann bereits mit einem Stammkapital von einem Euro gegr\u00fcndet werden.<\/p>\n<p>In der Praxis empfehlen viele Experten jedoch einen h\u00f6heren Betrag, da ein zu knapp bemessenes Kapital schnell zu Liquidit\u00e4tsengp\u00e4ssen f\u00fchrt und bei Gesch\u00e4ftspartnern wenig Vertrauen weckt.<\/p>\n<p>F\u00fcr die UG gilt zudem die Pflicht, j\u00e4hrlich 25 Prozent des \u00dcberschusses in eine gesetzliche R\u00fccklage einzustellen, bis das Stammkapital von 25.000 Euro erreicht ist und eine Umwandlung in eine GmbH m\u00f6glich wird.<\/p>\n<p>Nach der Eintragung ins Handelsregister wird das Gr\u00fcndungskonto meist in ein regul\u00e4res Gesch\u00e4ftskonto umgewandelt oder in ein neues Betriebskonto \u00fcberf\u00fchrt. Umbuchungen des Stammkapitals sind zul\u00e4ssig, solange sie gesellschaftsrechtlich korrekt verbucht werden und nicht zu einer unzul\u00e4ssigen R\u00fcckzahlung der Einlagen f\u00fchren. F\u00fcr die Gesch\u00e4ftsf\u00fchrung bedeutet das: Entnahmen vor Abschluss der Gr\u00fcndung und vor ausreichender Kapitalausstattung sollten unbedingt mit der Steuer- oder Rechtsberatung abgestimmt werden.<\/p><\/div><div id=\"faq\" class=\"x-text x-text-headline e3172-e53 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">H\u00e4ufig gestellte Fragen zu Gesch\u00e4ftskonten f\u00fcr GmbH &amp; UG<\/h2>\n<\/div><\/div><\/div><div class=\"x-acc e3172-e54 m2g4-2j m2g4-2m m2g4-2o m2g4-2p\" id=\"x-acc-e3172-e54\"><\/div><div class=\"x-acc e3172-e55 m2g4-2j m2g4-2m m2g4-2o m2g4-2p\" id=\"x-acc-e3172-e55\"><div class=\"e3172-e56 x-acc-item\"><button id=\"tab-e3172-e56\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e56\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e56\"><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>Braucht jede GmbH\/UG ein separates Gesch\u00e4ftskonto?\n<\/strong><\/span><\/span><\/button><div id=\"panel-e3172-e56\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e56\" data-x-toggleable=\"e3172-e56\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e57 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1v\">Ja. GmbH und UG sind Kapitalgesellschaften und damit juristische Personen. Sie m\u00fcssen ihr Stammkapital verwalten und den Zahlungsverkehr der Gesellschaft \u00fcber ein eigenes Gesch\u00e4ftskonto f\u00fchren. Ein privates Konto der Gesellschafter ist daf\u00fcr nicht ausreichend.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3172-e58 m2g4-2j m2g4-2m m2g4-2o m2g4-2p\" id=\"x-acc-e3172-e58\"><div class=\"e3172-e59 x-acc-item\"><button id=\"tab-e3172-e59\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e59\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e59\"><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 Unterlagen verlangen Banken typischerweise?<\/strong><\/span><\/span><\/button><div id=\"panel-e3172-e59\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e59\" data-x-toggleable=\"e3172-e59\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e60 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1v\">In der Regel ben\u00f6tigen Banken den Gesellschaftsvertrag oder das Musterprotokoll, die Gesellschafterliste, die Personalausweise aller Gesellschafter und Gesch\u00e4ftsf\u00fchrer, Angaben zu den wirtschaftlich Berechtigten, die Handelsregisteranmeldung beziehungsweise sp\u00e4ter den Handelsregisterauszug sowie Informationen zum Gesch\u00e4ftsmodell. Bei komplizierten Beteiligungsstrukturen oder ausl\u00e4ndischen Gesellschaftern kommen beglaubigte \u00dcbersetzungen und weitere Nachweise hinzu.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3172-e61 m2g4-2j m2g4-2m m2g4-2o m2g4-2p\" id=\"x-acc-e3172-e61\"><div class=\"e3172-e62 x-acc-item\"><button id=\"tab-e3172-e62\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e62\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e62\"><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>Kann man ein normales Girokonto als Gesch\u00e4ftskonto nutzen?<\/strong><\/span><\/span><\/button><div id=\"panel-e3172-e62\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e62\" data-x-toggleable=\"e3172-e62\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e63 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1v\">F\u00fcr Kapitalgesellschaften lautet die Antwort faktisch nein. Zum einen verlangt das Gesetz eine klare Trennung von Gesellschafts- und Privatverm\u00f6gen, zum anderen untersagen die meisten Banken in ihren AGB die gesch\u00e4ftliche Nutzung privater Girokonten. Ein dediziertes Gesch\u00e4ftskonto ist daher zwingend erforderlich.<\/div><\/div><\/div><\/div><div class=\"e3172-e64 x-acc-item\"><button id=\"tab-e3172-e64\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3172-e64\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3172-e64\"><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 viele Karten und Nutzer sind sinnvoll?<\/strong><\/span><\/span><\/button><div id=\"panel-e3172-e64\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3172-e64\" data-x-toggleable=\"e3172-e64\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3172-e65 m2g4-1m m2g4-1n m2g4-1o m2g4-1p m2g4-1q m2g4-1r m2g4-1s m2g4-1v\">Als Minimum sollte jede GmbH oder UG eine Hauptkarte und mindestens einen zus\u00e4tzlichen Onlinezugang f\u00fcr Buchhaltung oder Steuerberatung einplanen. In wachsenden Unternehmen sind mehrere Karten f\u00fcr Gesch\u00e4ftsf\u00fchrung, Einkauf, Vertrieb und Reisekosten \u00fcblich, jeweils mit individuellen Limits. Entscheidend ist, dass Rechte und Freigaben klar geregelt sind und wichtige Zahlungen nicht von nur einer Person allein ausgel\u00f6st werden k\u00f6nnen.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3172-e66 m2g4-2j m2g4-2m m2g4-2o m2g4-2p\" id=\"x-acc-e3172-e66\"><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3172-e67 m2g4-0 m2g4-2 m2g4-4\"><div class=\"x-row e3172-e68 m2g4-7 m2g4-8 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-e m2g4-r m2g4-x\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e69 m2g4-14\"><div class=\"x-row x-container max width e3172-e70 m2g4-7 m2g4-8 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-h m2g4-j m2g4-t m2g4-y\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e71 m2g4-14\"><div id=\"faq\" class=\"x-text x-text-headline e3172-e72 m2g4-1e m2g4-1g m2g4-1h m2g4-1j m2g4-1l\"><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 e3172-e73 m2g4-7 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-k m2g4-z\"><div class=\"x-row-inner\"><li class=\"x-col e3172-e74 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e75 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e76 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e77 m2g4-2w m2g4-2x m2g4-6 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 e3172-e78 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-vergleich\/\">Girokonto Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e79 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e80 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e81 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e82 m2g4-2w m2g4-2x m2g4-6 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 e3172-e83 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-gebuehren\/\">Girokonto ohne Geb\u00fchren<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e84 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e85 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e86 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e87 m2g4-2w m2g4-2x m2g4-6 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 e3172-e88 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kostenloses-girokonto-ohne-mindesteingang\/\">Kostenloses Girokonto ohne Mindesteingang<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e89 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e90 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e91 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e92 m2g4-2w m2g4-2x m2g4-6 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 e3172-e93 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-kreditkarte\/\">Girokonto mit Kreditkarte<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e94 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e95 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e96 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e97 m2g4-2w m2g4-2x m2g4-6 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 e3172-e98 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-fuer-studenten\/\">Girokonto f\u00fcr Studenten<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e99 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e100 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e101 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e102 m2g4-2w m2g4-2x m2g4-6 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 e3172-e103 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-schufa\/\">Girokonto ohne Schufa<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e104 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e105 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e106 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e107 m2g4-2w m2g4-2x m2g4-6 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 e3172-e108 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-unterkonten\/\">Girokonto mit Unterkonten<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e109 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e110 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e111 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e112 m2g4-2w m2g4-2x m2g4-6 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 e3172-e113 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/schuelerkonto\/\">Sch\u00fclerkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e114 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e115 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e116 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e117 m2g4-2w m2g4-2x m2g4-6 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 e3172-e118 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kinderkonto-vergleich\/\">Kinderkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e119 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e120 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e121 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e122 m2g4-2w m2g4-2x m2g4-6 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 e3172-e123 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/sparkonto-vergleich\/\">Sparkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e124 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e125 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e126 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e127 m2g4-2w m2g4-2x m2g4-6 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 e3172-e128 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/tagesgeld-vergleich\/\">Tagesgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e129 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e130 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e131 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e132 m2g4-2w m2g4-2x m2g4-6 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 e3172-e133 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/festgeld-vergleich\/\">Festgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e134 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e135 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e136 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e137 m2g4-2w m2g4-2x m2g4-6 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 e3172-e138 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/\">Firmentagesgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e139 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e140 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e141 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e142 m2g4-2w m2g4-2x m2g4-6 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 e3172-e143 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e144 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e145 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e146 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e147 m2g4-2w m2g4-2x m2g4-6 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 e3172-e148 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/kostenloses-geschaeftskonto\/\">Kostenloses Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e149 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e150 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e151 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e152 m2g4-2w m2g4-2x m2g4-6 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 e3172-e153 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-einzelunternehmen\/\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e154 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e155 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e156 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e157 m2g4-2w m2g4-2x m2g4-6 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 e3172-e158 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><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 e3172-e159 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e160 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e161 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e162 m2g4-2w m2g4-2x m2g4-6 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 e3172-e163 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><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 e3172-e164 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e165 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e166 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e167 m2g4-2w m2g4-2x m2g4-6 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 e3172-e168 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmenfestgeld\/\">Firmenfestgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e169 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e170 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e171 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e172 m2g4-2w m2g4-2x m2g4-6 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 e3172-e173 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/gemeinschaftskonto\/\">Gemeinschaftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e174 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e175 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e176 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e177 m2g4-2w m2g4-2x m2g4-6 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 e3172-e178 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geldanlage-fuer-unternehmen\/\">Geldanlage f\u00fcr Unternehmen<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e179 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e180 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e181 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e182 m2g4-2w m2g4-2x m2g4-6 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 e3172-e183 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-zinsen\/\">Girokonto mit Zinsen<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e184 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e185 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e186 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e187 m2g4-2w m2g4-2x m2g4-6 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 e3172-e188 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-praemie\/\">Girokonto mit Pr\u00e4mie<\/a><\/div><\/div><\/li><li class=\"x-col e3172-e189 m2g4-14 m2g4-15 m2g4-16 m2g4-17\"><figure class=\"x-div e3172-e190 m2g4-2v m2g4-2w\"><i class=\"x-icon e3172-e191 m2g4-2s m2g4-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3172-e192 m2g4-2w m2g4-2x m2g4-6 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 e3172-e193 m2g4-1m m2g4-1n m2g4-1o m2g4-1z m2g4-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/tagesgeld-fuer-kinder\/\">Tagesgeld f\u00fcr Kinder<\/a><\/div><\/div><\/li><\/div><\/ul><\/div><\/div><\/div><div class=\"x-section e3172-e194 m2g4-0 m2g4-5\"><div class=\"x-row x-container max width e3172-e195 m2g4-7 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-h m2g4-j m2g4-l m2g4-t m2g4-10\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e196 m2g4-14\"><hr class=\"x-line e3172-e197 m2g4-2y\"\/><\/div><\/div><\/div><div class=\"x-row x-container max width e3172-e198 m2g4-7 m2g4-8 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-h m2g4-j m2g4-m m2g4-n m2g4-t m2g4-11\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e199 m2g4-14 m2g4-15 m2g4-18 m2g4-19 m2g4-1a\"><a class=\"x-anchor x-anchor-button has-graphic e3172-e200 m2g4-27 m2g4-28 m2g4-2a m2g4-2d m2g4-2e m2g4-2f\" tabindex=\"0\" href=\"#\" onclick=\"window.open(&#039;http:\/\/www.linkedin.com\/shareArticle?mini=true&amp;url=https%3A%2F%2Fsueddeutsche.grc-media.com%2Ffinanzvergleich%2Fwp-json%2Fwp%2Fv2%2Fpages%2F3172&amp;title=Teilen&amp;summary=%5Bcs_content+_p%3D%273172%27%5D%5Bcs_element_section+_id%3D%221%22+%5D%5Bcs_element_layout_row+_id%3D%222%22+%5D%5Bcs_element_layout_column+_id%3D%223%22+%5D%5Bcs_element_headline+_id%3D%224%22+%5D%5Bcs_content_seo%5DKonto%5Cn%5Cn%5B%2Fcs_content_seo%5D%5Bcs_element_headline+_id%3D%225%22+%5D%5Bcs_content_seo%5DGesch%C3%A4ftskonto+f%C3%BCr+GmbH+%26amp%3B+UG+im+Vergleich+2025%5Cn%5Cn%5B%2Fcs_content_seo%5D%5Bcs_element_text+_id%3D%226%22+%5D%5Bcs_content_seo%5D4+Mai+2026+I+Lesezeit%3A+11+Min.%5Cn%5Cn%5B%2Fcs_content_seo%5D%5Bcs_element_layout_row_2+_id%3D%227%22+%5D%5Bcs_element_layout_column_2+_id%3D%228%22+%5D%5Bcs_element_layout_dropdown+_id%3D%229%22+%5D%5Bcs_element_headline+_id%3D%2210%22+%5D%5Bcs_content_seo%5DAmalia+Alibaev%5Cn%5CnRedakteurin%5Cn%5Cn%5B%2Fcs_content_seo%5D%5Bcs_element_text+_id%3D%2211%22+%5D%5Bcs_content_seo%5DAmalia+Alibaev+hat+in+Br%C3%BCssel+Politikwissenschaften+studiert+und+anschlie%C3%9Fend+im+Wiener+Fintech-Sektor+gearbeitet.+Ihr+tiefgreifendes+Interesse+an+Geldthemen+und+Finanzprodukten%2C+insbesondere+in+Deutschland%2C+hat+sie+...+%3Cdiv%3E%3Ca+href%3D%22https%3A%2F%2Fsueddeutsche.grc-media.com%2Ffinanzvergleich%2Fkonto%2Fgeschaeftskonto%2Fgeschaeftskonto-fuer-gmbh-ug%2F%22+class%3D%22more-link%22%3ERead+More%3C%2Fa%3E%3C%2Fdiv%3E&amp;source=S%C3%BCddeutsche+Zeitung+Finanzvergleich&#039;, &#039;popupLinkedIn&#039;, &#039;width=610, height=480, resizable=0, toolbar=0, menubar=0, status=0, location=0, scrollbars=0&#039;); return false;\"><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-o=\"&#xf064;\"><\/i><\/span><\/div><\/a><div class=\"x-text x-content e3172-e201 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1v m2g4-1x m2g4-1z m2g4-26\">Teilen<\/div><\/div><div class=\"x-col e3172-e202 m2g4-14 m2g4-15 m2g4-18 m2g4-19 m2g4-1a\"><a class=\"x-anchor x-anchor-button has-graphic e3172-e203 m2g4-27 m2g4-28 m2g4-2a m2g4-2d m2g4-2e m2g4-2f\" tabindex=\"0\" href=\"mailto:contact@grc-media.com\"><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-o=\"&#xf4af;\"><\/i><\/span><\/div><\/a><div class=\"x-text x-content e3172-e204 m2g4-1n m2g4-1o m2g4-1r m2g4-1s m2g4-1v m2g4-1x m2g4-1z m2g4-26\">Feedback<\/div><\/div><div class=\"x-col e3172-e205 m2g4-14 m2g4-15 m2g4-18 m2g4-19 m2g4-1b\"><a class=\"x-anchor x-anchor-button e3172-e206 m2g4-27 m2g4-28 m2g4-29 m2g4-2g\" tabindex=\"0\" href=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Zur Startseite<\/span><\/div><\/div><\/a><\/div><\/div><\/div><div class=\"x-row x-container max width e3172-e207 m2g4-7 m2g4-9 m2g4-a m2g4-b m2g4-c m2g4-d m2g4-h m2g4-j m2g4-o m2g4-p m2g4-t m2g4-12\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e208 m2g4-14\"><hr class=\"x-line e3172-e209 m2g4-2y\"\/><\/div><\/div><\/div><div class=\"x-row e3172-e210 m2g4-7 m2g4-a m2g4-b m2g4-c m2g4-e m2g4-n m2g4-p m2g4-q m2g4-r m2g4-13\"><div class=\"x-row-inner\"><div class=\"x-col e3172-e211 m2g4-14 m2g4-15 m2g4-16 m2g4-19 m2g4-1a m2g4-1c\"><a class=\"x-anchor x-anchor-button e3172-e212 m2g4-27 m2g4-29 m2g4-2a m2g4-2b m2g4-2f m2g4-2h\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Konto<\/span><\/div><\/div><\/a><a class=\"x-anchor x-anchor-button e3172-e213 m2g4-27 m2g4-29 m2g4-2a m2g4-2b m2g4-2f m2g4-2h\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/kreditvergleich\/\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Kreditvergleich<\/span><\/div><\/div><\/a><a class=\"x-anchor x-anchor-button e3172-e214 m2g4-27 m2g4-29 m2g4-2a m2g4-2b m2g4-2f m2g4-2h\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/kreditkarten-vergleich\/\"><div class=\"x-anchor-content\"><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">Kreditkarte<\/span><\/div><\/div><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Konto Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG im Vergleich 2025 4 Mai 2026 I Lesezeit: 11 Min.Autor: Amalia AlibaevRedakteurinEine GmbH oder UG braucht ein Gesch\u00e4ftskonto, das mehr leistet als nur den t\u00e4glichen Zahlungsverkehr abzuwickeln. \u00dcber das Konto laufen Stammkapital, laufende Einnahmen und Ausgaben, Steuerzahlungen und h\u00e4ufig auch Geh\u00e4lter, weshalb klare Prozesse, verl\u00e4ssliche Sicherheitsmechanismen und planbare Kosten besonders wichtig sind. In unserem &#8230; <\/p>\n<div><a href=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\" class=\"more-link\">Read More<\/a><\/div>\n","protected":false},"author":2,"featured_media":0,"parent":463,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":{"footnotes":""},"class_list":["post-3172","page","type-page","status-publish","hentry","no-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG Mai 2026 - Vergleich<\/title>\n<meta name=\"description\" content=\"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gesch\u00e4ftskonto f\u00fcr GmbH &amp; UG Mai 2026 - Vergleich\" \/>\n<meta property=\"og:description\" content=\"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\" \/>\n<meta property=\"og:site_name\" content=\"S\u00fcddeutsche Zeitung Finanzvergleich\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-04T10:43:47+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"16\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/geschaeftskonto-fuer-gmbh-ug\\\/\",\"url\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/geschaeftskonto-fuer-gmbh-ug\\\/\",\"name\":\"Gesch\u00e4ftskonto f\u00fcr GmbH & UG Mai 2026 - Vergleich\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/#website\"},\"datePublished\":\"2025-12-03T07:21:56+00:00\",\"dateModified\":\"2026-05-04T10:43:47+00:00\",\"description\":\"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/geschaeftskonto-fuer-gmbh-ug\\\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/geschaeftskonto-fuer-gmbh-ug\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/geschaeftskonto-fuer-gmbh-ug\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Konto\",\"item\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Gesch\u00e4ftskonto\",\"item\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/konto\\\/geschaeftskonto\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Gesch\u00e4ftskonto f\u00fcr GmbH &#038; UG\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/#website\",\"url\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/\",\"name\":\"S\u00fcddeutsche Zeitung Finanzvergleich\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.sueddeutsche.de\\\/finanzvergleich\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Gesch\u00e4ftskonto f\u00fcr GmbH & UG Mai 2026 - Vergleich","description":"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/","og_locale":"de_DE","og_type":"article","og_title":"Gesch\u00e4ftskonto f\u00fcr GmbH & UG Mai 2026 - Vergleich","og_description":"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.","og_url":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/","og_site_name":"S\u00fcddeutsche Zeitung Finanzvergleich","article_modified_time":"2026-05-04T10:43:47+00:00","twitter_card":"summary_large_image","twitter_misc":{"Gesch\u00e4tzte Lesezeit":"16\u00a0Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/","url":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/","name":"Gesch\u00e4ftskonto f\u00fcr GmbH & UG Mai 2026 - Vergleich","isPartOf":{"@id":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/#website"},"datePublished":"2025-12-03T07:21:56+00:00","dateModified":"2026-05-04T10:43:47+00:00","description":"Entdecken Sie in unserem Vergleich das ideale Gesch\u00e4ftskonto f\u00fcr GmbH und UG. Wir haben Top Konten in Deutschland gepr\u00fcft.","breadcrumb":{"@id":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/"},{"@type":"ListItem","position":2,"name":"Konto","item":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/"},{"@type":"ListItem","position":3,"name":"Gesch\u00e4ftskonto","item":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/"},{"@type":"ListItem","position":4,"name":"Gesch\u00e4ftskonto f\u00fcr GmbH &#038; UG"}]},{"@type":"WebSite","@id":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/#website","url":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/","name":"S\u00fcddeutsche Zeitung Finanzvergleich","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sueddeutsche.de\/finanzvergleich\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"}]}},"_links":{"self":[{"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/pages\/3172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/comments?post=3172"}],"version-history":[{"count":1,"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/pages\/3172\/revisions"}],"predecessor-version":[{"id":4750,"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/pages\/3172\/revisions\/4750"}],"up":[{"embeddable":true,"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/pages\/463"}],"wp:attachment":[{"href":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-json\/wp\/v2\/media?parent=3172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}