{"id":3191,"date":"2025-12-03T08:33:59","date_gmt":"2025-12-03T08:33:59","guid":{"rendered":"https:\/\/sueddeutsche-edit.grc-media.com\/finanzvergleich\/?page_id=3191"},"modified":"2026-05-04T11:43:14","modified_gmt":"2026-05-04T10:43:14","slug":"geschaeftskonto-fuer-einzelunternehmen","status":"publish","type":"page","link":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-einzelunternehmen\/","title":{"rendered":"Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div class=\"x-section e3191-e1 m2gn-0 m2gn-1 m2gn-2\"><div class=\"x-row x-container max width e3191-e2 m2gn-7 m2gn-8 m2gn-9 m2gn-a m2gn-b m2gn-c m2gn-d m2gn-e m2gn-r m2gn-s\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e3 m2gn-14\"><div class=\"x-text x-text-headline e3191-e4 m2gn-1d m2gn-1e m2gn-1f m2gn-1g m2gn-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 e3191-e5 m2gn-1e m2gn-1g m2gn-1i m2gn-1j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen im Vergleich 2025<\/h1>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e6 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1q m2gn-1r m2gn-1s m2gn-1t\">4 Mai 2026 I Lesezeit: 11 Min.<\/div><div class=\"x-row e3191-e7 m2gn-7 m2gn-9 m2gn-b m2gn-d m2gn-f m2gn-g m2gn-h m2gn-t m2gn-u\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e8 m2gn-14\"><div class=\"x-anchor x-anchor-toggle has-graphic e3191-e9 m2gn-27 m2gn-28 m2gn-29 m2gn-2a m2gn-2b m2gn-2c m2gn-2d\" tabindex=\"0\" role=\"button\" data-x-toggle=\"1\" data-x-toggleable=\"e3191-e9\" data-x-toggle-hover=\"1\" aria-controls=\"e3191-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 e3191-e12 m2gn-1n m2gn-1o m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20 m2gn-21\">Ein passendes Gesch\u00e4ftskonto hilft Einzelunternehmern, den Zahlungsverkehr \u00fcbersichtlich zu organisieren und private von betrieblichen Ausgaben klar zu trennen. Das erleichtert die Buchhaltung, schafft Transparenz bei Steuern und gibt Ihnen im Alltag mehr Kontrolle \u00fcber Ihre Liquidit\u00e4t. In unserem Vergleich zeigen wir, welche Kontomodelle sich f\u00fcr unterschiedliche Nutzungsprofile eignen und worauf Sie bei Kosten, Funktionen und Service besonders achten sollten.<\/div><div class=\"x-acc e3191-e13 m2gn-2j m2gn-2k m2gn-2l m2gn-2m\" id=\"x-acc-e3191-e13\"><div class=\"e3191-e14 x-acc-item\"><button id=\"tab-e3191-e14\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3191-e14\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3191-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-e3191-e14\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3191-e14\" data-x-toggleable=\"e3191-e14\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3191-e15 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-1v m2gn-20 m2gn-22\"><ol>\n \t<li><a href=\"#nutzen\">Brauche ich als Einzelunternehmen ein Gesch\u00e4ftskonto?<\/a><\/li>\n \t<li><a href=\"#vergleich\">Wie funktioniert unser Vergleich?<\/a><\/li>\n \t<li><a href=\"#auswahl\">Worauf sollte man bei einem Vergleich zu Gesch\u00e4ftskonten f\u00fcr Einzelunternehmen achten?<\/a><\/li>\n \t<li><a href=\"#relevanz\">Einzelunternehmen, Freiberufler, Kleingewerbe: Was ist f\u00fcr das Konto relevant?<\/a><\/li>\n \t<li><a href=\"#kosten\">Diese Geb\u00fchren k\u00f6nnen in der Praxis anfallen<\/a><\/li>\n \t<li><a href=\"#prozess\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen er\u00f6ffnen: So klappt es ohne Verz\u00f6gerungen<\/a><\/li>\n \t<li><a href=\"#wechsel\">So wechseln Sie stressfrei Ihr Konto<\/a><\/li>\n \t<li><a href=\"#faq\">H\u00e4ufig gestellte Fragen zu Gesch\u00e4ftskonten f\u00fcr Einzelunternehmen<\/a><\/li>\n<\/ol><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3191-e16 m2gn-7 m2gn-8 m2gn-9 m2gn-a m2gn-d m2gn-g m2gn-h m2gn-i m2gn-t m2gn-v\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e17 m2gn-14\"><div class=\"x-text x-text-headline e3191-e18 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-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 e3191-e19 m2gn-2q\"><div class=\"x-cell e3191-e20 m2gn-2r\"><i class=\"x-icon e3191-e21 m2gn-2s m2gn-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xf002;\"><\/i><div class=\"x-text x-content e3191-e22 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-20 m2gn-23\">18 \u00fcberpr\u00fcfte Produkte<\/div><\/div><div class=\"x-cell e3191-e23 m2gn-2r\"><i class=\"x-icon e3191-e24 m2gn-2s m2gn-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xf643;\"><\/i><div class=\"x-text x-content e3191-e25 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-20 m2gn-23\">10 verzinste Gesch\u00e4ftskonten<\/div><\/div><div class=\"x-cell e3191-e26 m2gn-2r\"><i class=\"x-icon e3191-e27 m2gn-2s m2gn-2t\" aria-hidden=\"true\" data-x-icon-s=\"&#xe0c8;\"><\/i><div class=\"x-text x-content e3191-e28 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-20 m2gn-23\"><p style=\"text-align: center;\">12 kostenlose Gesch\u00e4ftskonten<\/p><\/div><\/div><\/div><div class=\"x-text x-content e3191-e29 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-20 m2gn-23\"><ul>\n \t<li>Ein Gesch\u00e4ftskonto ist f\u00fcr Einzelunternehmen <strong>meist nicht gesetzlich Pflicht<\/strong>, aber in der Praxis oft die beste L\u00f6sung, um <strong>private und betriebliche Zahlungen sauber zu trennen<\/strong> und die Buchhaltung zu vereinfachen.<\/li>\n \t<li>Achten Sie beim Vergleich au\u00dferdem auf<strong> schnellen Zahlungsverkehr<\/strong>, denn Echtzeit\u00fcberweisungen werden im Euroraum zum Standard und k\u00f6nnen die Liquidit\u00e4t im Alltag sp\u00fcrbar verbessern.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3191-e30 m2gn-0 m2gn-1 m2gn-3\"><div class=\"x-row x-container max width e3191-e31 m2gn-7 m2gn-8 m2gn-9 m2gn-a m2gn-b m2gn-c m2gn-d m2gn-e m2gn-r m2gn-w\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e32 m2gn-14\"><div class=\"x-text x-text-headline e3191-e33 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen im Vergleich im Mai 2026<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e34 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1r m2gn-1s m2gn-20 m2gn-23\"><p>Unser Vergleich verschafft Ihnen einen transparenten \u00dcberblick \u00fcber Gesch\u00e4ftskonten, die f\u00fcr Einzelunternehmen in Deutschland besonders relevant sind. Wir haben die Angebote sorgf\u00e4ltig gepr\u00fcft und \u00fcbersichtlich aufbereitet, damit Sie schnell erkennen, welches Konto zu Ihrem Zahlungsalltag passt, ob Sie \u00fcberwiegend \u00dcberweisungen nutzen, viele Kartenzahlungen haben oder regelm\u00e4\u00dfig Bargeld brauchen.<\/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 e3191-e35 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1z m2gn-20 m2gn-24\"><p><div class=\"cs-content x-global-block x-global-block-2515 e2515-e0\"><div class=\"x-section e2515-e2 m1xv-0\"><div class=\"x-row e2515-e3 m1xv-1 m1xv-2 m1xv-6 m1xv-7\"><div class=\"x-row-inner\"><div class=\"x-col e2515-e4 m1xv-a m1xv-b\"><div class=\"x-row e2515-e5 m1xv-1 m1xv-3 m1xv-4 m1xv-6 m1xv-8\"><div class=\"x-row-inner\"><div class=\"x-col e2515-e6 m1xv-a m1xv-c\"><div class=\"x-anchor x-anchor-button has-graphic e2515-e7 m1xv-d m1xv-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 e2515-e8 m1xv-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 e2515-e9 m1xv-h m1xv-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>vivid Freelance Standard<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2515-e10 m1xv-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e2515-e11 m1xv-a m1xv-c\"><div class=\"x-grid x-container max width e2515-e12 m1xv-l\"><div class=\"x-cell e2515-e13 m1xv-m\"><div class=\"x-text x-text-headline e2515-e14 m1xv-h m1xv-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 e2515-e15 m1xv-n m1xv-o\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e2515-e16 m1xv-m\"><div class=\"x-text x-text-headline e2515-e17 m1xv-h m1xv-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 e2515-e18 m1xv-n m1xv-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2515-e19 m1xv-m\"><div class=\"x-text x-text-headline e2515-e20 m1xv-h m1xv-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 e2515-e21 m1xv-n m1xv-o\"><p style=\"text-align: center;\">Unbegrenzt mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e2515-e22 m1xv-m\"><div class=\"x-text x-text-headline e2515-e23 m1xv-h m1xv-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 e2515-e24 m1xv-n m1xv-o\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><\/div><div class=\"x-acc e2515-e25 m1xv-q\" id=\"x-acc-e2515-e25\"><div class=\"e2515-e26 x-acc-item\"><p id=\"tab-e2515-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2515-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2515-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e2515-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2515-e26\" data-x-toggleable=\"e2515-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2515-e27 m1xv-n m1xv-p\"><div id=\"footable_parent_2516\"\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=\"2516\" data-filter-delay=\"1000\" aria-label=\"Vivid Freelance Standard Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2516\"\n           data-unique_identifier=\"ninja_table_unique_id_364105645_2516\"\n           class=\" foo-table ninja_footable foo_table_2516 ninja_table_unique_id_364105645_2516 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=\"1574\" class=\"ninja_table_row_0 nt_row_id_1574\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler & Gewerbe<\/td>        <\/tr>\n            <tr data-row_id=\"1575\" class=\"ninja_table_row_1 nt_row_id_1575\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1576\" class=\"ninja_table_row_2 nt_row_id_1576\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"1577\" class=\"ninja_table_row_3 nt_row_id_1577\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1583\" class=\"ninja_table_row_4 nt_row_id_1583\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzt mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"1578\" class=\"ninja_table_row_5 nt_row_id_1578\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>bis 200\u20ac p.M. kostenlos, danach 3% (min. 1\u20ac) des Abhebevolumens <\/td>        <\/tr>\n            <tr data-row_id=\"1579\" class=\"ninja_table_row_6 nt_row_id_1579\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"1580\" class=\"ninja_table_row_7 nt_row_id_1580\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1581\" class=\"ninja_table_row_8 nt_row_id_1581\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Keine gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1582\" class=\"ninja_table_row_9 nt_row_id_1582\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1584\" class=\"ninja_table_row_10 nt_row_id_1584\">\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 e2515-e28 m1xv-1 m1xv-3 m1xv-5 m1xv-6 m1xv-9\"><div class=\"x-row-inner\"><div class=\"x-col e2515-e29 m1xv-a m1xv-c\"><a class=\"x-anchor x-anchor-button e2515-e30 m1xv-d m1xv-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_3782483633_2519\"\n           class=\" foo-table ninja_footable foo_table_2519 ninja_table_unique_id_3782483633_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_1791329973_3069\"\n           class=\" foo-table ninja_footable foo_table_3069 ninja_table_unique_id_1791329973_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-4356 e4356-e0\"><div class=\"x-section e4356-e2 m3d0-0\"><div class=\"x-row e4356-e3 m3d0-1 m3d0-2 m3d0-6 m3d0-7\"><div class=\"x-row-inner\"><div class=\"x-col e4356-e4 m3d0-a m3d0-b\"><div class=\"x-row e4356-e5 m3d0-1 m3d0-3 m3d0-4 m3d0-6 m3d0-8\"><div class=\"x-row-inner\"><div class=\"x-col e4356-e6 m3d0-a m3d0-c\"><a class=\"x-image e4356-e7 m3d0-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 e4356-e8 m3d0-e m3d0-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Qonto Starter<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e4356-e9 m3d0-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 e4356-e10 m3d0-a m3d0-c\"><div class=\"x-grid x-container max width e4356-e11 m3d0-i\"><div class=\"x-cell e4356-e12 m3d0-j\"><div class=\"x-text x-text-headline e4356-e13 m3d0-e m3d0-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 e4356-e14 m3d0-k m3d0-l\"><p style=\"text-align: center;\">Freiberufler, Selbstst\u00e4ndige &amp; Einzelunternehmer<\/p><\/div><\/div><div class=\"x-cell e4356-e15 m3d0-j\"><div class=\"x-text x-text-headline e4356-e16 m3d0-e m3d0-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 e4356-e17 m3d0-k m3d0-l\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e4356-e18 m3d0-j\"><div class=\"x-text x-text-headline e4356-e19 m3d0-e m3d0-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 e4356-e20 m3d0-k m3d0-l\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e4356-e21 m3d0-j\"><div class=\"x-text x-text-headline e4356-e22 m3d0-e m3d0-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 e4356-e23 m3d0-k m3d0-l\"><p style=\"text-align: center;\">5 kostenlose Buchungen pro Monat, danach 0,20 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e4356-e24 m3d0-n\" id=\"x-acc-e4356-e24\"><div class=\"e4356-e25 x-acc-item\"><p id=\"tab-e4356-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e4356-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e4356-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e4356-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e4356-e25\" data-x-toggleable=\"e4356-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e4356-e26 m3d0-k m3d0-m\"><div id=\"footable_parent_4365\"\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=\"4365\" data-filter-delay=\"1000\" aria-label=\"qonto starter Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_4365\"\n           data-unique_identifier=\"ninja_table_unique_id_3159438353_4365\"\n           class=\" foo-table ninja_footable foo_table_4365 ninja_table_unique_id_3159438353_4365 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=\"3176\" class=\"ninja_table_row_0 nt_row_id_3176\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Selbstst\u00e4ndige & Einzelunternehmen<\/td>        <\/tr>\n            <tr data-row_id=\"3177\" class=\"ninja_table_row_1 nt_row_id_3177\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3178\" class=\"ninja_table_row_2 nt_row_id_3178\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>5 kostenlos, danach 0,20 \u20ac pro Buchung<\/td>        <\/tr>\n            <tr data-row_id=\"3179\" class=\"ninja_table_row_3 nt_row_id_3179\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>1 virtuelle Karte inklusive<\/td>        <\/tr>\n            <tr data-row_id=\"3185\" class=\"ninja_table_row_4 nt_row_id_3185\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"3180\" class=\"ninja_table_row_5 nt_row_id_3180\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>Kostenlose Bargeldabhebungen m\u00f6glich mit den kostenpflichtigen Karten m\u00f6glich: One Card (5 \u20ac mtl.), Plus Card (8 \u20ac mtl.) & X Card (20 \u20ac mtl.)<\/td>        <\/tr>\n            <tr data-row_id=\"3181\" class=\"ninja_table_row_6 nt_row_id_3181\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>2% Wechselgeb\u00fchr mit der One Card (Mastercard, 5\u20ac p.M.); 1% Wechselgeb\u00fchr mit der Plus Card (8\u20ac p.M.) & keine Wechselgeb\u00fchr mit der X Card (20\u20ac p.M.)<\/td>        <\/tr>\n            <tr data-row_id=\"3183\" class=\"ninja_table_row_7 nt_row_id_3183\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Franz\u00f6sische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"3184\" class=\"ninja_table_row_8 nt_row_id_3184\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3186\" class=\"ninja_table_row_9 nt_row_id_3186\">\n            <td><strong>Extras<\/strong><\/td><td>Gesetzeskonforme E-Rechnungen direkt in der App erstellen & versende, Nahtlos verbunden mit Lexware Office, sevdesk und DATEV<\/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 e4356-e27 m3d0-1 m3d0-3 m3d0-5 m3d0-6 m3d0-9\"><div class=\"x-row-inner\"><div class=\"x-col e4356-e28 m3d0-a m3d0-c\"><a class=\"x-anchor x-anchor-button e4356-e29 m3d0-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_3110674530_3503\"\n           class=\" foo-table ninja_footable foo_table_3503 ninja_table_unique_id_3110674530_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-1321 e1321-e0\"><div class=\"x-section e1321-e2 m10p-0\"><div class=\"x-row e1321-e3 m10p-1 m10p-2 m10p-6 m10p-7\"><div class=\"x-row-inner\"><div class=\"x-col e1321-e4 m10p-a m10p-b\"><div class=\"x-row e1321-e5 m10p-1 m10p-3 m10p-4 m10p-6 m10p-8\"><div class=\"x-row-inner\"><div class=\"x-col e1321-e6 m10p-a m10p-c\"><div class=\"x-anchor x-anchor-button has-graphic e1321-e7 m10p-d m10p-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 e1321-e8 m10p-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-solo-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 e1321-e9 m10p-h m10p-i m10p-j m10p-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Finom Solo<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e1321-e10 m10p-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 e1321-e11 m10p-h m10p-j m10p-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-solo\/\">Finom Solo Gesch\u00e4ftskonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e1321-e12 m10p-a m10p-c\"><div class=\"x-grid x-container max width e1321-e13 m10p-o\"><div class=\"x-cell e1321-e14 m10p-p\"><div class=\"x-text x-text-headline e1321-e15 m10p-h m10p-k m10p-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 e1321-e16 m10p-q m10p-r\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e1321-e17 m10p-p\"><div class=\"x-text x-text-headline e1321-e18 m10p-h m10p-k m10p-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 e1321-e19 m10p-q m10p-r\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e1321-e20 m10p-p\"><div class=\"x-text x-text-headline e1321-e21 m10p-h m10p-k m10p-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 e1321-e22 m10p-q m10p-r\"><p style=\"text-align: center;\">4\u20ac p.M. f\u00fcr jedes zus\u00e4tzliche Teammitglied<\/p><\/div><\/div><div class=\"x-cell e1321-e23 m10p-p\"><div class=\"x-text x-text-headline e1321-e24 m10p-h m10p-k m10p-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 e1321-e25 m10p-q m10p-r\"><p style=\"text-align: center;\">kostenlos bis 2.500 \u20ac, dar\u00fcber 0,3 % pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e1321-e26 m10p-t\" id=\"x-acc-e1321-e26\"><div class=\"e1321-e27 x-acc-item\"><p id=\"tab-e1321-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e1321-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e1321-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e1321-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e1321-e27\" data-x-toggleable=\"e1321-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e1321-e28 m10p-q m10p-s\"><div id=\"footable_parent_2520\"\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=\"2520\" data-filter-delay=\"1000\" aria-label=\"Finom Solo Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2520\"\n           data-unique_identifier=\"ninja_table_unique_id_3841538119_2520\"\n           class=\" foo-table ninja_footable foo_table_2520 ninja_table_unique_id_3841538119_2520 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=\"1619\" class=\"ninja_table_row_0 nt_row_id_1619\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler & Gewerbe<\/td>        <\/tr>\n            <tr data-row_id=\"1620\" class=\"ninja_table_row_1 nt_row_id_1620\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1621\" class=\"ninja_table_row_2 nt_row_id_1621\">\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=\"1622\" class=\"ninja_table_row_3 nt_row_id_1622\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>virtuelle Debitkarte ist kostenlos, allerdings 1\u20ac (wenn sie nicht aktiv genutzt wird), physische Debitkarte ist 3 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1628\" class=\"ninja_table_row_4 nt_row_id_1628\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>4\u20ac p.M. f\u00fcr jedes zus\u00e4tzliche Teammitglied<\/td>        <\/tr>\n            <tr data-row_id=\"1623\" class=\"ninja_table_row_5 nt_row_id_1623\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1% bis 500\u20ac, 3% 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=\"1624\" class=\"ninja_table_row_6 nt_row_id_1624\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>3 %<\/td>        <\/tr>\n            <tr data-row_id=\"1625\" class=\"ninja_table_row_7 nt_row_id_1625\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1626\" class=\"ninja_table_row_8 nt_row_id_1626\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Deutsche gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1627\" class=\"ninja_table_row_9 nt_row_id_1627\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1629\" class=\"ninja_table_row_10 nt_row_id_1629\">\n            <td><strong>Extras<\/strong><\/td><td>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 e1321-e29 m10p-1 m10p-3 m10p-5 m10p-6 m10p-9\"><div class=\"x-row-inner\"><div class=\"x-col e1321-e30 m10p-a m10p-c\"><a class=\"x-anchor x-anchor-button e1321-e31 m10p-d m10p-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-finom-solo-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_6\" 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_3098457253_3074\"\n           class=\" foo-table ninja_footable foo_table_3074 ninja_table_unique_id_3098457253_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-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_7\" 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_1983383659_2518\"\n           class=\" foo-table ninja_footable foo_table_2518 ninja_table_unique_id_1983383659_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-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_3430827840_3072\"\n           class=\" foo-table ninja_footable foo_table_3072 ninja_table_unique_id_3430827840_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-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_9\" 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_3411207276_2521\"\n           class=\" foo-table ninja_footable foo_table_2521 ninja_table_unique_id_3411207276_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-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_10\" 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_2019803580_3545\"\n           class=\" foo-table ninja_footable foo_table_3545 ninja_table_unique_id_2019803580_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-2524 e2524-e0\"><div class=\"x-section e2524-e2 m1y4-0\"><div class=\"x-row e2524-e3 m1y4-1 m1y4-2 m1y4-6 m1y4-7\"><div class=\"x-row-inner\"><div class=\"x-col e2524-e4 m1y4-a m1y4-b\"><div class=\"x-row e2524-e5 m1y4-1 m1y4-3 m1y4-4 m1y4-6 m1y4-8\"><div class=\"x-row-inner\"><div class=\"x-col e2524-e6 m1y4-a m1y4-c\"><div class=\"x-anchor x-anchor-button has-graphic e2524-e7 m1y4-d m1y4-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 e2524-e8 m1y4-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 e2524-e9 m1y4-h m1y4-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>vivid Freelance Prime<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e2524-e10 m1y4-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 e2524-e11 m1y4-a m1y4-c\"><div class=\"x-grid x-container max width e2524-e12 m1y4-l\"><div class=\"x-cell e2524-e13 m1y4-m\"><div class=\"x-text x-text-headline e2524-e14 m1y4-h m1y4-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 e2524-e15 m1y4-n m1y4-o\">Freiberufler & Gewerbe<\/div><\/div><div class=\"x-cell e2524-e16 m1y4-m\"><div class=\"x-text x-text-headline e2524-e17 m1y4-h m1y4-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 e2524-e18 m1y4-n m1y4-o\"><p style=\"text-align: center;\">2 Monate kostenlos, danach 6,90 \u20ac<\/p><\/div><\/div><div class=\"x-cell e2524-e19 m1y4-m\"><div class=\"x-text x-text-headline e2524-e20 m1y4-h m1y4-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 e2524-e21 m1y4-n m1y4-o\"><p style=\"text-align: center;\">Unbegrenzt mit eigener IBAN<\/p><\/div><\/div><div class=\"x-cell e2524-e22 m1y4-m\"><div class=\"x-text x-text-headline e2524-e23 m1y4-h m1y4-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 e2524-e24 m1y4-n m1y4-o\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><\/div><div class=\"x-acc e2524-e25 m1y4-q\" id=\"x-acc-e2524-e25\"><div class=\"e2524-e26 x-acc-item\"><p id=\"tab-e2524-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e2524-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e2524-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e2524-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e2524-e26\" data-x-toggleable=\"e2524-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e2524-e27 m1y4-n m1y4-p\"><div id=\"footable_parent_2525\"\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=\"2525\" data-filter-delay=\"1000\" aria-label=\"Vivid Freelance Prime Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2525\"\n           data-unique_identifier=\"ninja_table_unique_id_1961663363_2525\"\n           class=\" foo-table ninja_footable foo_table_2525 ninja_table_unique_id_1961663363_2525 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=\"1679\" class=\"ninja_table_row_0 nt_row_id_1679\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler & Gewerbe<\/td>        <\/tr>\n            <tr data-row_id=\"1680\" class=\"ninja_table_row_1 nt_row_id_1680\">\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=\"1681\" class=\"ninja_table_row_2 nt_row_id_1681\">\n            <td><strong>Anzahl kostenloser belegloser Buchungen p.M.<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"1682\" class=\"ninja_table_row_3 nt_row_id_1682\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1688\" class=\"ninja_table_row_4 nt_row_id_1688\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzt mit eigener IBAN<\/td>        <\/tr>\n            <tr data-row_id=\"1683\" class=\"ninja_table_row_5 nt_row_id_1683\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>1.000\u20ac p.M. kostenlos, solange der Abhebebetrag 50\u20ac nicht unterschreitet, danach 3% (min. 1\u20ac) des Abhebevolumens<\/td>        <\/tr>\n            <tr data-row_id=\"1684\" class=\"ninja_table_row_6 nt_row_id_1684\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung und Bargeldabhebung<\/strong><\/td><td>1 %<\/td>        <\/tr>\n            <tr data-row_id=\"1685\" class=\"ninja_table_row_7 nt_row_id_1685\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1686\" class=\"ninja_table_row_8 nt_row_id_1686\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Keine gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1687\" class=\"ninja_table_row_9 nt_row_id_1687\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1689\" class=\"ninja_table_row_10 nt_row_id_1689\">\n            <td><strong>Extras<\/strong><\/td><td>0,5 % 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 e2524-e28 m1y4-1 m1y4-3 m1y4-5 m1y4-6 m1y4-9\"><div class=\"x-row-inner\"><div class=\"x-col e2524-e29 m1y4-a m1y4-c\"><a class=\"x-anchor x-anchor-button e2524-e30 m1y4-d m1y4-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-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_12\" 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_4245277519_3505\"\n           class=\" foo-table ninja_footable foo_table_3505 ninja_table_unique_id_4245277519_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_13\" 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_3385245589_4367\"\n           class=\" foo-table ninja_footable foo_table_4367 ninja_table_unique_id_3385245589_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-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_1191670081_2522\"\n           class=\" foo-table ninja_footable foo_table_2522 ninja_table_unique_id_1191670081_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_3727154618_3507\"\n           class=\" foo-table ninja_footable foo_table_3507 ninja_table_unique_id_3727154618_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_265167812_4368\"\n           class=\" foo-table ninja_footable foo_table_4368 ninja_table_unique_id_265167812_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-772 e772-e0\"><div class=\"x-section e772-e2 mlg-0\"><div class=\"x-row e772-e3 mlg-1 mlg-2 mlg-6 mlg-7\"><div class=\"x-row-inner\"><div class=\"x-col e772-e4 mlg-a mlg-b\"><div class=\"x-row e772-e5 mlg-1 mlg-3 mlg-4 mlg-6 mlg-8\"><div class=\"x-row-inner\"><div class=\"x-col e772-e6 mlg-a mlg-c\"><a class=\"x-image e772-e7 mlg-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-revolut-geschaeftskonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/11\/SZ_revolut_logo.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e772-e8 mlg-e mlg-f\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Revolut Basic Business<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e772-e9 mlg-h\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.4 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.4 \/ 5    <\/span>\n  \n  \n<\/span>\n<\/div><div class=\"x-col e772-e10 mlg-a mlg-c\"><div class=\"x-grid x-container max width e772-e11 mlg-i\"><div class=\"x-cell e772-e12 mlg-j mlg-k\"><div class=\"x-text x-text-headline e772-e13 mlg-e mlg-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 e772-e14 mlg-m mlg-n\"><p style=\"text-align: center;\">Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG &amp; AG<\/p><\/div><\/div><div class=\"x-cell e772-e15 mlg-j mlg-l\"><div class=\"x-text x-text-headline e772-e16 mlg-e mlg-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 e772-e17 mlg-m mlg-n\"><p style=\"text-align: center;\">10 \u20ac<\/p><\/div><\/div><div class=\"x-cell e772-e18 mlg-j mlg-k\"><div class=\"x-text x-text-headline e772-e19 mlg-e mlg-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 e772-e20 mlg-m mlg-n\"><p style=\"text-align: center;\">Unbegrenzt<\/p><\/div><\/div><div class=\"x-cell e772-e21 mlg-j mlg-l\"><div class=\"x-text x-text-headline e772-e22 mlg-e mlg-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 e772-e23 mlg-m mlg-n\"><p style=\"text-align: center;\">10 kostenlos, danach 0,20 \u20ac pro Buchung<\/p><\/div><\/div><\/div><div class=\"x-acc e772-e24 mlg-p\" id=\"x-acc-e772-e24\"><div class=\"e772-e25 x-acc-item\"><p id=\"tab-e772-e25\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e772-e25\" data-x-toggle=\"collapse\" data-x-toggleable=\"e772-e25\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e772-e25\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e772-e25\" data-x-toggleable=\"e772-e25\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e772-e26 mlg-m mlg-o\"><div id=\"footable_parent_2523\"\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=\"2523\" data-filter-delay=\"1000\" aria-label=\"Revolut Business Basic Gesch\u00e4ftskonto Geb\u00fchren Toplist\"            id=\"footable_2523\"\n           data-unique_identifier=\"ninja_table_unique_id_4098337529_2523\"\n           class=\" foo-table ninja_footable foo_table_2523 ninja_table_unique_id_4098337529_2523 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=\"1664\" class=\"ninja_table_row_0 nt_row_id_1664\">\n            <td><strong>Unternehmensform<\/strong><\/td><td>Freiberufler, Gewerbe, UG, GmbH, GbR, OHG, KG & AG<\/td>        <\/tr>\n            <tr data-row_id=\"1665\" class=\"ninja_table_row_1 nt_row_id_1665\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchren p.M.<\/strong><\/td><td>10 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1666\" class=\"ninja_table_row_2 nt_row_id_1666\">\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=\"1667\" class=\"ninja_table_row_3 nt_row_id_1667\">\n            <td><strong>Debitkarte p.M.<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1673\" class=\"ninja_table_row_4 nt_row_id_1673\">\n            <td><strong>Anzahl kostenloser Unterkonten &amp; Nutzer<\/strong><\/td><td>Unbegrenzt<\/td>        <\/tr>\n            <tr data-row_id=\"1668\" class=\"ninja_table_row_5 nt_row_id_1668\">\n            <td><strong>Bargeldabhebung<\/strong><\/td><td>2 %<\/td>        <\/tr>\n            <tr data-row_id=\"1669\" class=\"ninja_table_row_6 nt_row_id_1669\">\n            <td><strong>Fremdw\u00e4hrungsgeb\u00fchr bei Kartenzahlung &amp; Bargeldabhebung<\/strong><\/td><td>Die ersten 1.000 \u20ac sind p.M. kostenlos, danach 0,6 % Wechselkursgeb\u00fchr<\/td>        <\/tr>\n            <tr data-row_id=\"1670\" class=\"ninja_table_row_7 nt_row_id_1670\">\n            <td><strong>Kosten Bargeldeinzahlung<\/strong><\/td><td>Nicht m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1671\" class=\"ninja_table_row_8 nt_row_id_1671\">\n            <td><strong>Einlagensicherung<\/strong><\/td><td>Litauische gesetzliche Einlagensicherung<\/td>        <\/tr>\n            <tr data-row_id=\"1672\" class=\"ninja_table_row_9 nt_row_id_1672\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1674\" class=\"ninja_table_row_10 nt_row_id_1674\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechselservice & 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 e772-e27 mlg-1 mlg-3 mlg-5 mlg-6 mlg-9\"><div class=\"x-row-inner\"><div class=\"x-col e772-e28 mlg-a mlg-c\"><a class=\"x-anchor x-anchor-button e772-e29 mlg-q\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-revolut-geschaeftskonto\" 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 e3191-e36 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Brauche ich als Einzelunternehmer ein Gesch\u00e4ftskonto?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e37 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Rein rechtlich besteht f\u00fcr Einzelunternehmer, <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-freiberufler\/\">Freiberuflerinnen<\/a> und Kleingewerbetreibende keine Pflicht, ein eigenes Gesch\u00e4ftskonto zu f\u00fchren. Die gesch\u00e4ftlichen Ums\u00e4tze d\u00fcrfen theoretisch auch \u00fcber ein Privatkonto laufen, solange es sich nicht um eine Kapitalgesellschaft wie <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-gmbh-ug\/\">GmbH oder UG<\/a> handelt.<\/p>\n<p>In der Praxis spricht jedoch vieles f\u00fcr ein separates <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a>. Wer private und betriebliche Zahlungen trennt, sieht auf einen Blick, welche Ums\u00e4tze das Unternehmen tats\u00e4chlich erwirtschaftet und welche Kosten im Monat anfallen. Buchhaltung, Einnahmen-\u00dcberschuss-Rechnung und Steuererkl\u00e4rung werden einfacher, da Belege und Kontobewegungen besser zusammenpassen. Zudem lassen sich R\u00fccklagen f\u00fcr Einkommensteuer oder Umsatzsteuer auf dem Gesch\u00e4ftskonto oder in Unterkonten gezielt zur\u00fccklegen, ohne mit privaten Sparzielen zu konkurrieren.<\/p>\n<p>Ein weiterer Punkt sind die Gesch\u00e4ftsbedingungen der Banken. Viele Institute schreiben in ihren AGB ausdr\u00fccklich vor, dass Privatkonten nur f\u00fcr private Zwecke gedacht sind. Wird dauerhaft gesch\u00e4ftlicher Zahlungsverkehr dar\u00fcber abgewickelt, kann die Bank das Konto in ein Gesch\u00e4ftskonto umstellen oder k\u00fcndigen. Sp\u00e4testens wenn das Auftragsvolumen steigt, ist ein separates Gesch\u00e4ftskonto daher nicht nur \u00fcbersichtlicher, sondern auch die rechtlich und vertraglich sauberere L\u00f6sung.<\/p><\/div><div id=\"vergleich\" class=\"x-text x-text-headline e3191-e38 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-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 e3191-e39 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Wir haben f\u00fcr Sie die attraktivsten Gesch\u00e4ftskonten f\u00fcr Einzelunternehmer analysiert, um L\u00f6sungen zu identifizieren, die faire Konditionen, hohe Sicherheit und ein praxisnahes Kartenangebot f\u00fcr den Gesch\u00e4ftsalltag bieten. Grundlage unserer Bewertung ist ein transparentes und objektives Kriterienmodell, das die zentralen Anforderungen moderner Gesch\u00e4ftskonten f\u00fcr Einzelunternehmen 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. Dabei ber\u00fccksichtigen wir nicht nur die monatlichen Kontof\u00fchrungsgeb\u00fchren, sondern auch Kosten f\u00fcr Buchungsposten, \u00dcberweisungen, Karten sowie Bargeldabhebungen und -einzahlungen. Ein empfehlenswertes Gesch\u00e4ftskonto zeichnet sich durch transparente Preisstrukturen und gut kalkulierbare Gesamtkosten aus, unabh\u00e4ngig davon, ob Sie ein Einzelunternehmen im Nebenerwerb f\u00fchren oder hauptberuflich mit regelm\u00e4\u00dfigem Zahlungsverkehr arbeiten.<\/p>\n<p>Mit jeweils 20 % flie\u00dfen das Kartenangebot und die Sicherheit in die Bewertung ein.<\/p>\n<p>Beim Kartenangebot bewerten wir die verf\u00fcgbaren Kartentypen wie Debitkarten, Kreditkarten und virtuelle Karten, deren Kosten sowie Einsatzm\u00f6glichkeiten im In- und Ausland. Ebenso ber\u00fccksichtigen wir, ob zus\u00e4tzliche Karten verf\u00fcgbar sind, etwa f\u00fcr Mitarbeitende, Aushilfen oder zur Trennung unterschiedlicher Ausgabenbereiche, was die Buchhaltung im Einzelunternehmen deutlich vereinfacht.<\/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 zur klaren Trennung von privaten und gesch\u00e4ftlichen Finanzen. Gerade f\u00fcr Einzelunternehmer ist dies wichtig, um den \u00dcberblick zu behalten und steuerliche Anforderungen sauber zu erf\u00fcllen.<\/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 Einzelunternehmen zuverl\u00e4ssig 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 Schutzmechanismen<\/li>\n \t<li>Bargeldverf\u00fcgbarkeit im In- und Ausland<\/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 e3191-e40 m2gn-2j m2gn-2k m2gn-2n m2gn-2o\" id=\"x-acc-e3191-e40\"><div class=\"e3191-e41 x-acc-item\"><button id=\"tab-e3191-e41\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3191-e41\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3191-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 Einzelunternehmer<\/span><\/span><\/button><div id=\"panel-e3191-e41\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3191-e41\" data-x-toggleable=\"e3191-e41\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3191-e42 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1q m2gn-1r m2gn-1s m2gn-1v\"><div id=\"footable_parent_3611\"\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_18\" data-footable_id=\"3611\" data-filter-delay=\"1000\" aria-label=\"Gesch\u00e4ftskonto f\u00fcr freiberufler Vergleich Methodik\"            id=\"footable_3611\"\n           data-unique_identifier=\"ninja_table_unique_id_3635093460_3611\"\n           class=\" foo-table ninja_footable foo_table_3611 ninja_table_unique_id_3635093460_3611 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=\"2815\" class=\"ninja_table_row_0 nt_row_id_2815\">\n            <td>Vivid Freelance Standard<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5,0<\/td>        <\/tr>\n            <tr data-row_id=\"2816\" class=\"ninja_table_row_1 nt_row_id_2816\">\n            <td>Fyrst Base<\/td><td>4.5<\/td><td>4<\/td><td>5<\/td><td>4,7<\/td>        <\/tr>\n            <tr data-row_id=\"2786\" class=\"ninja_table_row_2 nt_row_id_2786\">\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=\"2787\" class=\"ninja_table_row_3 nt_row_id_2787\">\n            <td>Qonto Starter<\/td><td>4,5<\/td><td>3<\/td><td>5<\/td><td>4,3<\/td>        <\/tr>\n            <tr data-row_id=\"2788\" class=\"ninja_table_row_4 nt_row_id_2788\">\n            <td>Kontist Free<\/td><td>4<\/td><td>3<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2789\" class=\"ninja_table_row_5 nt_row_id_2789\">\n            <td>Fyrst Base<\/td><td>4<\/td><td>3<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2793\" class=\"ninja_table_row_6 nt_row_id_2793\">\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=\"3287\" class=\"ninja_table_row_7 nt_row_id_3287\">\n            <td>Tide Business<\/td><td>4<\/td><td>3,5<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"3288\" class=\"ninja_table_row_8 nt_row_id_3288\">\n            <td>Finom Solo<\/td><td>4<\/td><td>3,5<\/td><td>5<\/td><td>4,0<\/td>        <\/tr>\n            <tr data-row_id=\"2790\" class=\"ninja_table_row_9 nt_row_id_2790\">\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=\"2795\" class=\"ninja_table_row_10 nt_row_id_2795\">\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=\"2791\" class=\"ninja_table_row_11 nt_row_id_2791\">\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=\"3289\" class=\"ninja_table_row_12 nt_row_id_3289\">\n            <td>Vivid Freelance Prime<\/td><td>3,5<\/td><td>4<\/td><td>5<\/td><td>3,9<\/td>        <\/tr>\n            <tr data-row_id=\"3290\" class=\"ninja_table_row_13 nt_row_id_3290\">\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=\"2792\" class=\"ninja_table_row_14 nt_row_id_2792\">\n            <td>Kontist Start<\/td><td>3<\/td><td>5<\/td><td>5<\/td><td>3,8<\/td>        <\/tr>\n            <tr data-row_id=\"3291\" class=\"ninja_table_row_15 nt_row_id_3291\">\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=\"2797\" class=\"ninja_table_row_16 nt_row_id_2797\">\n            <td>Commerzbank<\/td><td>3,5<\/td><td>2<\/td><td>5<\/td><td>3,5<\/td>        <\/tr>\n            <tr data-row_id=\"2798\" class=\"ninja_table_row_17 nt_row_id_2798\">\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=\"2794\" class=\"ninja_table_row_18 nt_row_id_2794\">\n            <td>Revolut Basic Business<\/td><td>3<\/td><td>3<\/td><td>5<\/td><td>3,4<\/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 e3191-e43 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Worauf sollte man bei einem Vergleich zu Gesch\u00e4ftskonten f\u00fcr Einzelunternehmen achten?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e44 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20 m2gn-22\"><ul>\n \t<li><strong>Kontof\u00fchrungsgeb\u00fchr und Modell:<\/strong> Monatliche Grundgeb\u00fchr, inklusive Leistungen, m\u00f6gliche Freipostengeb\u00fchr und Staffelung nach Umsatz oder Kartenanzahl.<\/li>\n \t<li><strong>Buchungsposten:<\/strong> Kosten pro belegloser Buchung wie \u00dcberweisung, Gutschrift und Lastschrift, Freikontingente und Preise f\u00fcr beleghafte Buchungen in der Filiale.<\/li>\n \t<li><strong>Karten und Mobile Payment:<\/strong> Art und Anzahl der Karten, also Debitkarten, <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/kreditkarten-vergleich\/\">Kreditkarten<\/a> und <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/kreditkarten-vergleich\/virtuelle-kreditkarte\/\">virtuelle Karten<\/a>, sowie Unterst\u00fctzung von Apple Pay und Google Pay.<\/li>\n \t<li><strong>Bargeldversorgung:<\/strong> Konditionen f\u00fcr Abhebungen, vorhandene Automatenverb\u00fcnde und M\u00f6glichkeiten f\u00fcr Bargeldeinzahlungen \u00fcber Automaten, Partnerbanken oder Handelspartner.<\/li>\n \t<li><strong>Auslandsnutzung und Fremdw\u00e4hrung:<\/strong> Aufschl\u00e4ge bei Kartenzahlungen und Abhebungen in Fremdw\u00e4hrung, Entgelte f\u00fcr Auslands\u00fcberweisungen au\u00dferhalb des SEPA-Raums.<\/li>\n \t<li><strong>SEPA und Echtzeit\u00fcberweisungen:<\/strong> Unterst\u00fctzung von SEPA-Lastschrift, Dauerauftr\u00e4gen und Sammel\u00fcberweisungen sowie Verf\u00fcgbarkeit und Standard-Einstellung von Echtzeit\u00fcberweisungen.<\/li>\n \t<li><strong>Unterkonten und Budgetierung:<\/strong> M\u00f6glichkeiten, virtuelle T\u00f6pfe oder Unterkonten f\u00fcr Steuer, R\u00fccklagen und Projekte anzulegen.<\/li>\n \t<li><strong>Schnittstellen zur Buchhaltung:<\/strong> Exporte im DATEV-Format, API-Anbindungen und direkte Integrationen in Buchhaltungssoftware oder Rechnungstools.<\/li>\n \t<li><strong>Nutzerrechte und Zugriffe:<\/strong> Zus\u00e4tzliche Nutzer f\u00fcr Steuerberatung oder Assistenz, Rollenmodelle und Freigabeprozesse.<\/li>\n \t<li><strong>Support und Erreichbarkeit:<\/strong> Verf\u00fcgbarkeit von Chat, Telefon oder E-Mail, Reaktionszeiten und Hilfe im Notfall, etwa bei Kartenverlust oder Zugriffsproblemen.<\/li>\n<\/ul><\/div><div id=\"relevanz\" class=\"x-text x-text-headline e3191-e45 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Einzelunternehmen, Freiberufler, Kleingewerbe: Was ist f\u00fcr das Konto relevant?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e46 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Im Alltag werden Einzelunternehmen, Freiberufler und Kleingewerbetreibende h\u00e4ufig in einen Topf geworfen, f\u00fcr das Bankkonto gibt es jedoch einige Unterschiede. Ein Einzelunternehmen ist die klassische gewerbliche T\u00e4tigkeit einer nat\u00fcrlichen Person, etwa ein Onlinehandel oder ein kleines Ladengesch\u00e4ft. Freiberuflerinnen und Freiberufler \u00fcben bestimmte Katalogberufe wie Arzt, Rechtsanwalt oder Designer aus und gelten steuerlich nicht als Gewerbetreibende. Kleingewerbetreibende sind Unternehmerinnen und Unternehmer, die unter bestimmten Umsatzgrenzen bleiben und daher keine doppelte Buchf\u00fchrung f\u00fchren m\u00fcssen.<\/p>\n<p>F\u00fcr das Konto selbst ist vor allem wichtig, welche Nachweise die Bank bei der Er\u00f6ffnung sehen m\u00f6chte. Gewerbliche Einzelunternehmen ben\u00f6tigen in der Regel eine Gewerbeanmeldung und oft eine Steuernummer oder zumindest die Steuer-Identifikationsnummer. Freiberufler werden h\u00e4ufig um eine kurze Beschreibung der T\u00e4tigkeit, Honorarvertr\u00e4ge oder Bescheide des Finanzamts gebeten. Kleingewerbetreibende m\u00fcssen ihrerseits die Gewerbeanmeldung vorlegen, profitieren aber unter Umst\u00e4nden von einfacheren Kontomodellen, da die Ums\u00e4tze \u00fcberschaubar bleiben.<\/p>\n<p>Die Kleinunternehmerregelung bei der Umsatzsteuer \u00e4ndert nichts daran, dass ein Gesch\u00e4ftskonto sinnvoll ist. Wer keine Umsatzsteuer ausweist, muss trotzdem Einnahmen und Ausgaben dokumentieren, R\u00fccklagen bilden und seine private Lebensf\u00fchrung von der betrieblichen Sph\u00e4re trennen. F\u00fcr die Bank ist eher relevant, ob das Gesch\u00e4ftsmodell nachvollziehbar ist und ob mit erh\u00f6hten Risiken zu rechnen ist, etwa bei internationalen Zahlungsstr\u00f6men oder Bargeldlastigkeit.<\/p><\/div><div id=\"kosten\" class=\"x-text x-text-headline e3191-e47 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Diese Geb\u00fchren k\u00f6nnen in der Praxis anfallen<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e48 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Die tats\u00e4chlichen Kosten eines Gesch\u00e4ftskontos h\u00e4ngen weniger von der Grundgeb\u00fchr als vom eigenen Nutzungsverhalten ab. Typische Geb\u00fchrenbl\u00f6cke sind:<\/p>\n\n<ul>\n \t<li>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/li>\n \t<li>Entgelte f\u00fcr beleglose Buchungen (\u00dcberweisungen, Lastschriften, Gutschriften)<\/li>\n \t<li>Geb\u00fchren f\u00fcr beleghafte Buchungen und Services in der Filiale<\/li>\n \t<li>Kartenentgelte f\u00fcr Debit- und Kreditkarten sowie zus\u00e4tzliche oder virtuelle Karten<\/li>\n \t<li>Geb\u00fchren f\u00fcr Ersatzkarten und Expressversand<\/li>\n \t<li>Kosten f\u00fcr Bargeldabhebungen im In- und Ausland<\/li>\n \t<li>Entgelte und prozentuale Aufschl\u00e4ge bei Bargeldeinzahlungen<\/li>\n \t<li>Fremdw\u00e4hrungs- und Auslandsentgelte bei Kartennutzung und \u00dcberweisungen<\/li>\n \t<li>Zinsen f\u00fcr Dispo oder Kontokorrentkredit<\/li>\n \t<li>Geb\u00fchren f\u00fcr Echtzeit\u00fcberweisungen, sofern Banken noch verschiedene Kontomodelle anbieten, obwohl die Entgelte nicht h\u00f6her sein d\u00fcrfen als bei normalen SEPA-\u00dcberweisungen<\/li>\n<\/ul>\n<p>Alle diese Kosten gelten bei rein betrieblicher Nutzung als Betriebsausgaben und k\u00f6nnen in der Steuererkl\u00e4rung angesetzt werden. Ein separates Gesch\u00e4ftskonto erleichtert dabei den Nachweis, da sich gesch\u00e4ftliche Geb\u00fchren klar von privaten Transaktionen trennen lassen.<\/p>\n<p><strong>Zur Einordnung helfen drei vereinfachte Beispielprofile:<\/strong><\/p>\n\n<ul>\n \t<li><strong>Wenig Nutzung:<\/strong> Eine Grafikerin mit wenigen Gro\u00dfkunden erh\u00e4lt und versendet jeweils etwa 20 Zahlungen im Monat, nutzt kaum Bargeld und zahlt selten mit Karte. Ihr Konto kostet 0 Euro Grundgeb\u00fchr, es gibt 30 freie Buchungen, jede weitere Buchung kostet 0,20 Euro. Bleibt sie unterhalb der Freigrenze, zahlt sie effektiv nichts. Erst bei steigender Nutzung fallen nennenswerte Geb\u00fchren an.<\/li>\n \t<li><strong>Mittlere Nutzung:<\/strong> Ein Handwerksbetrieb in Einzelf\u00fchrung hat rund 80 Buchungen im Monat, mehrere Kartenzahlungen und gelegentlich Bargeldeinzahlungen. Das Konto kostet 9 Euro Grundgeb\u00fchr, 50 Buchungen sind inklusive, jede weitere kostet 0,20 Euro. Bei 80 Buchungen ergeben sich 6 Euro an Buchungsentgelten, hinzu kommen 2 Euro f\u00fcr eine zus\u00e4tzliche Karte und 5 Euro f\u00fcr eine Bargeldeinzahlung. Die Gesamtkosten liegen bei rund 22 Euro im Monat.<\/li>\n \t<li><strong>Hohe Nutzung:<\/strong> Ein kleiner Onlinehandel als Einzelunternehmen wickelt etwa 250 Buchungen monatlich ab, nutzt mehrere Karten und gibt gelegentlich in Fremdw\u00e4hrung aus. Das Kontomodell kostet 19 Euro Grundgeb\u00fchr, 100 Buchungen sind inklusive, jede weitere kostet 0,25 Euro. F\u00fcr 150 zus\u00e4tzliche Buchungen fallen 37,50 Euro an, hinzu kommen 6 Euro f\u00fcr zwei Zusatzkarten und etwa 7,50 Euro Fremdw\u00e4hrungsaufschlag auf 500 Euro Umsatz. Insgesamt landet der Unternehmer bei knapp 70 Euro im Monat. In diesem Szenario kann ein teureres Modell mit mehr Freiposten im Ergebnis g\u00fcnstiger sein.<\/li>\n<\/ul><\/div><div id=\"prozess\" class=\"x-text x-text-headline e3191-e49 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen er\u00f6ffnen: So klappt es ohne Verz\u00f6gerungen<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e50 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Eine Kontoer\u00f6ffnung f\u00fcr ein Einzelunternehmen ist weniger komplex als bei Kapitalgesellschaften, trotzdem gibt es einige Punkte, mit denen sich Verz\u00f6gerungen vermeiden lassen. In der Praxis hilft es, strukturiert vorzugehen:<\/p>\n\n<ol>\n \t<li><strong>Kontomodell ausw\u00e4hlen:<\/strong> Zun\u00e4chst das gew\u00fcnschte Preismodell und den Anbieter ausw\u00e4hlen, basierend auf Buchungsvolumen, Bargeldbedarf und gew\u00fcnschten Funktionen wie Unterkonten oder Buchhaltungs-Export.<\/li>\n \t<li><strong>Unterlagen zusammenstellen:<\/strong> Personalausweis oder Reisepass, Steuer-Identifikationsnummer und je nach T\u00e4tigkeit Gewerbeanmeldung oder Nachweis der freiberuflichen T\u00e4tigkeit bereitlegen. Bei Kleingewerbe gen\u00fcgt in der Regel die Gewerbeanmeldung, Freiberufler k\u00f6nnen h\u00e4ufig Bescheide des Finanzamts oder Vertr\u00e4ge mit Auftraggebern vorlegen.<\/li>\n \t<li><strong>Online-Antrag ausf\u00fcllen:<\/strong> Die meisten Banken bieten einen digitalen Antrag. Dort werden Stammdaten, Gesch\u00e4ftsadresse, Branche, erwartete Ums\u00e4tze und Herkunft der Gelder abgefragt. Hier lohnt es sich, die Angaben konsistent mit Gewerbeanmeldung und Steuerdaten zu halten.<\/li>\n \t<li><strong>Legitimation durchf\u00fchren:<\/strong> Die Identit\u00e4tspr\u00fcfung erfolgt meist per Videoident oder in der Postfiliale. Wichtig ist, dass die im Antrag genannte Person identisch mit der im Ausweis ist und unterschriftsberechtigt f\u00fcr das Unternehmen.<\/li>\n \t<li><strong>Pr\u00fcfung durch die Bank abwarten:<\/strong> Banken pr\u00fcfen neben der Identit\u00e4t auch das Gesch\u00e4ftsmodell und eventuelle Risikofaktoren, etwa hohen Bargeldanteil oder internationale Hochrisikol\u00e4nder. In manchen Branchen kann die Pr\u00fcfung l\u00e4nger dauern oder zu Nachfragen f\u00fchren.<\/li>\n \t<li><strong>Zugangsdaten und Karten aktivieren:<\/strong> Nach Freigabe erh\u00e4lt man Zugangsdaten und Karten, die separat per Post oder digital bereitgestellt werden. Erst wenn alles aktiviert ist, sollte der komplette Zahlungsverkehr auf das neue Konto umgestellt werden.<\/li>\n<\/ol>\n<p>Typische Stolpersteine sind unklare Branchenangaben, widerspr\u00fcchliche Adressen oder ein starker Auslandsbezug ohne nachvollziehbare Erl\u00e4uterung. Wer hier offen und konsistent kommuniziert, verk\u00fcrzt die Bearbeitungszeit.<\/p><\/div><div id=\"wechsel\" class=\"x-text x-text-headline e3191-e51 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-1l\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">So wechseln Sie stressfrei Ihr Konto<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3191-e52 m2gn-1n m2gn-1o m2gn-1r m2gn-1s m2gn-1t m2gn-1w m2gn-1x m2gn-1y m2gn-1z m2gn-20\"><p>Ein Kontowechsel wirkt zun\u00e4chst aufwendig, l\u00e4sst sich mit einer guten Planung jedoch geordnet abwickeln. Ein Zeitraum mit Parallelbetrieb beider Konten hilft, Zahlungsausf\u00e4lle und R\u00fccklastschriften zu vermeiden.<\/p>\n<p><strong>Wichtig ist eine strukturierte Checkliste:<\/strong><\/p>\n\n<ul>\n \t<li>Neues Konto er\u00f6ffnen, Zugang und Karten testen, erste Test\u00fcberweisungen durchf\u00fchren.<\/li>\n \t<li>Liste aller wiederkehrenden Zahlungen erstellen, etwa Miete, Versicherungen, Leasing, Telefon, Internet, Software-Abos und Plattformgeb\u00fchren.<\/li>\n \t<li>Kunden und Stammauftraggeber \u00fcber die neue Bankverbindung informieren, zum Beispiel per Hinweissatz auf Rechnungen, in E-Mail-Signaturen und auf der Website.<\/li>\n \t<li>Zahlungsdienstleister, Online-Plattformen und Marktpl\u00e4tze anpassen, etwa PayPal, Payment Service Provider oder App Stores.<\/li>\n \t<li>Finanzamt und gegebenenfalls Krankenkassen oder Berufsverb\u00e4nde \u00fcber die neue IBAN informieren, damit Steuervorauszahlungen und Erstattungen korrekt laufen.<\/li>\n \t<li>Dauerauftr\u00e4ge und Lastschriften auf das neue Konto umziehen, sofern die Bank keinen automatisierten Kontowechselservice bietet.<\/li>\n \t<li>Konten f\u00fcr mindestens zwei Abrechnungszyklen parallel beobachten und pr\u00fcfen, ob noch Zahlungen auf das alte Konto eingehen.<\/li>\n \t<li>Alte Kontoausz\u00fcge sichern, damit Unterlagen f\u00fcr Steuer und Nachweise vollst\u00e4ndig bleiben.<\/li>\n \t<li>Erst wenn \u00fcber einen ausreichenden Zeitraum keine Bewegungen mehr auflaufen, das alte Konto k\u00fcndigen.<\/li>\n<\/ul>\n<p>Wer den Wechsel in dieser Reihenfolge angeht, beh\u00e4lt die Kontrolle \u00fcber alle Zahlungsstr\u00f6me und reduziert das Risiko, dass eine wichtige Abbuchung im Umstellungsprozess untergeht.<\/p><\/div><div id=\"faq\" class=\"x-text x-text-headline e3191-e53 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-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 Einzelunternehmen<\/h2>\n<\/div><\/div><\/div><div class=\"x-acc e3191-e54 m2gn-2j m2gn-2m m2gn-2o m2gn-2p\" id=\"x-acc-e3191-e54\"><\/div><div class=\"x-acc e3191-e55 m2gn-2j m2gn-2m m2gn-2o m2gn-2p\" id=\"x-acc-e3191-e55\"><div class=\"e3191-e56 x-acc-item\"><button id=\"tab-e3191-e56\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3191-e56\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3191-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>Muss ich als Einzelunternehmer ein Gesch\u00e4ftskonto haben?\n<\/strong><\/span><\/span><\/button><div id=\"panel-e3191-e56\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3191-e56\" data-x-toggleable=\"e3191-e56\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3191-e57 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1q m2gn-1r m2gn-1s m2gn-1v\">Nein, eine gesetzliche Pflicht besteht f\u00fcr Einzelunternehmerinnen und Einzelunternehmer nicht. Ein Gesch\u00e4ftskonto ist jedoch in der Praxis sehr sinnvoll, weil es die Trennung von privaten und betrieblichen Finanzen erleichtert und viele Banken die gesch\u00e4ftliche Nutzung von Privatkonten in ihren AGB einschr\u00e4nken.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3191-e58 m2gn-2j m2gn-2m m2gn-2o m2gn-2p\" id=\"x-acc-e3191-e58\"><div class=\"e3191-e59 x-acc-item\"><button id=\"tab-e3191-e59\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3191-e59\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3191-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>Kann ich mein Privatkonto gesch\u00e4ftlich nutzen?<\/strong><\/span><\/span><\/button><div id=\"panel-e3191-e59\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3191-e59\" data-x-toggleable=\"e3191-e59\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3191-e60 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1q m2gn-1r m2gn-1s m2gn-1v\">Rein rechtlich ist das zul\u00e4ssig, solange Sie keine Kapitalgesellschaft f\u00fchren. Viele Banken verbieten die dauerhafte gesch\u00e4ftliche Nutzung von Privatkonten jedoch vertraglich und k\u00f6nnen bei Verst\u00f6\u00dfen k\u00fcndigen oder den Tarif umstellen. Aus buchhalterischer und steuerlicher Sicht ist ein getrenntes Gesch\u00e4ftskonto au\u00dferdem deutlich \u00fcbersichtlicher.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3191-e61 m2gn-2j m2gn-2m m2gn-2o m2gn-2p\" id=\"x-acc-e3191-e61\"><div class=\"e3191-e62 x-acc-item\"><button id=\"tab-e3191-e62\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3191-e62\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3191-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>Wie viele Buchungen sollte ich einplanen?<\/strong><\/span><\/span><\/button><div id=\"panel-e3191-e62\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3191-e62\" data-x-toggleable=\"e3191-e62\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3191-e63 m2gn-1m m2gn-1n m2gn-1o m2gn-1p m2gn-1q m2gn-1r m2gn-1s m2gn-1v\">Als grobe Orientierung lohnt ein Blick auf die letzten Monate. Z\u00e4hlen Sie Zahlungseing\u00e4nge, \u00dcberweisungen, Lastschriften und Kartenzahlungen, die zum Unternehmen geh\u00f6ren, und schlagen Sie einen Sicherheitsaufschlag von etwa 20 Prozent f\u00fcr Wachstum und Saisoneffekte auf. Dieses Buchungsvolumen hilft, ein Kontomodell zu w\u00e4hlen, bei dem Freiposten und Buchungspreis zu Ihrem Alltag passen.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3191-e64 m2gn-2j m2gn-2m m2gn-2o m2gn-2p\" id=\"x-acc-e3191-e64\"><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3191-e65 m2gn-0 m2gn-2 m2gn-4\"><div class=\"x-row e3191-e66 m2gn-7 m2gn-8 m2gn-9 m2gn-a m2gn-b m2gn-c m2gn-d m2gn-e m2gn-r m2gn-x\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e67 m2gn-14\"><div class=\"x-row x-container max width e3191-e68 m2gn-7 m2gn-8 m2gn-9 m2gn-a m2gn-b m2gn-c m2gn-d m2gn-h m2gn-j m2gn-t m2gn-y\"><div class=\"x-row-inner\"><div class=\"x-col e3191-e69 m2gn-14\"><div id=\"faq\" class=\"x-text x-text-headline e3191-e70 m2gn-1e m2gn-1g m2gn-1h m2gn-1j m2gn-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 e3191-e71 m2gn-7 m2gn-9 m2gn-a m2gn-b m2gn-c m2gn-d m2gn-k m2gn-z\"><div class=\"x-row-inner\"><li class=\"x-col e3191-e72 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e73 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e74 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e75 m2gn-2w m2gn-2x m2gn-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 e3191-e76 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-vergleich\/\">Girokonto Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e77 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e78 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e79 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e80 m2gn-2w m2gn-2x m2gn-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 e3191-e81 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-gebuehren\/\">Girokonto ohne Geb\u00fchren<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e82 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e83 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e84 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e85 m2gn-2w m2gn-2x m2gn-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 e3191-e86 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-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 e3191-e87 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e88 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e89 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e90 m2gn-2w m2gn-2x m2gn-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 e3191-e91 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-kreditkarte\/\">Girokonto mit Kreditkarte<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e92 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e93 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e94 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e95 m2gn-2w m2gn-2x m2gn-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 e3191-e96 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-fuer-studenten\/\">Girokonto f\u00fcr Studenten<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e97 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e98 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e99 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e100 m2gn-2w m2gn-2x m2gn-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 e3191-e101 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-schufa\/\">Girokonto ohne Schufa<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e102 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e103 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e104 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e105 m2gn-2w m2gn-2x m2gn-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 e3191-e106 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-unterkonten\/\">Girokonto mit Unterkonten<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e107 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e108 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e109 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e110 m2gn-2w m2gn-2x m2gn-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 e3191-e111 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/schuelerkonto\/\">Sch\u00fclerkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e112 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e113 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e114 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e115 m2gn-2w m2gn-2x m2gn-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 e3191-e116 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kinderkonto-vergleich\/\">Kinderkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e117 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e118 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e119 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e120 m2gn-2w m2gn-2x m2gn-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 e3191-e121 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/sparkonto-vergleich\/\">Sparkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e122 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e123 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e124 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e125 m2gn-2w m2gn-2x m2gn-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 e3191-e126 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/tagesgeld-vergleich\/\">Tagesgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e127 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e128 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e129 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e130 m2gn-2w m2gn-2x m2gn-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 e3191-e131 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/festgeld-vergleich\/\">Festgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e132 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e133 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e134 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e135 m2gn-2w m2gn-2x m2gn-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 e3191-e136 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/\">Firmentagesgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e137 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e138 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e139 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e140 m2gn-2w m2gn-2x m2gn-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 e3191-e141 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e142 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e143 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e144 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e145 m2gn-2w m2gn-2x m2gn-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 e3191-e146 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/kostenloses-geschaeftskonto\/\">Kostenloses Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e147 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e148 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e149 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e150 m2gn-2w m2gn-2x m2gn-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 e3191-e151 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-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 e3191-e152 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e153 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e154 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e155 m2gn-2w m2gn-2x m2gn-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 e3191-e156 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-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 e3191-e157 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e158 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e159 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e160 m2gn-2w m2gn-2x m2gn-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 e3191-e161 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-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 e3191-e162 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e163 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e164 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e165 m2gn-2w m2gn-2x m2gn-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 e3191-e166 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmenfestgeld\/\">Firmenfestgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e167 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e168 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e169 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e170 m2gn-2w m2gn-2x m2gn-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 e3191-e171 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/gemeinschaftskonto\/\">Gemeinschaftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3191-e172 m2gn-14 m2gn-15 m2gn-16 m2gn-17\"><figure class=\"x-div e3191-e173 m2gn-2v m2gn-2w\"><i class=\"x-icon e3191-e174 m2gn-2s m2gn-2u\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3191-e175 m2gn-2w m2gn-2x m2gn-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 e3191-e176 m2gn-1m m2gn-1n m2gn-1o m2gn-1z m2gn-25\"><a 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e3191-e210 m2gn-27 m2gn-29 m2gn-2a m2gn-2b m2gn-2f m2gn-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 e3191-e211 m2gn-27 m2gn-29 m2gn-2a m2gn-2b m2gn-2f m2gn-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 e3191-e212 m2gn-27 m2gn-29 m2gn-2a m2gn-2b m2gn-2f m2gn-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 Einzelunternehmen im Vergleich 2025 4 Mai 2026 I Lesezeit: 11 Min.Autor: Amalia AlibaevRedakteurinEin passendes Gesch\u00e4ftskonto hilft Einzelunternehmern, den Zahlungsverkehr \u00fcbersichtlich zu organisieren und private von betrieblichen Ausgaben klar zu trennen. Das erleichtert die Buchhaltung, schafft Transparenz bei Steuern und gibt Ihnen im Alltag mehr Kontrolle \u00fcber Ihre Liquidit\u00e4t. In unserem Vergleich zeigen wir, welche Kontomodelle sich f\u00fcr &#8230; <\/p>\n<div><a href=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/geschaeftskonto\/geschaeftskonto-fuer-einzelunternehmen\/\" 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-3191","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 Einzelunternehmen Mai 2026 - Vergleich<\/title>\n<meta name=\"description\" content=\"Gesch\u00e4ftskonto f\u00fcr Einzelunternehmen, damit Sie Ihre gesch\u00e4ftlichen Ums\u00e4tze von Ihrem privaten Zahlungsverkehr trennen k\u00f6nnen.\" \/>\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-einzelunternehmen\/\" \/>\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 Einzelunternehmen Mai 2026 - 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