{"id":3702,"date":"2026-02-10T14:11:40","date_gmt":"2026-02-10T14:11:40","guid":{"rendered":"https:\/\/sueddeutsche-edit.grc-media.com\/finanzvergleich\/?page_id=3702"},"modified":"2026-06-01T12:00:08","modified_gmt":"2026-06-01T11:00:08","slug":"gemeinschaftskonto","status":"publish","type":"page","link":"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/gemeinschaftskonto\/","title":{"rendered":"Gemeinschaftskonto"},"content":{"rendered":"<div id=\"cs-content\" class=\"cs-content\"><div class=\"x-section e3702-e1 m2uu-0 m2uu-1 m2uu-2\"><div class=\"x-row x-container max width e3702-e2 m2uu-8 m2uu-9 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-f m2uu-v m2uu-w\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e3 m2uu-1a\"><div class=\"x-text x-text-headline e3702-e4 m2uu-1j m2uu-1k m2uu-1l m2uu-1m m2uu-1n m2uu-1o\"><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 e3702-e5 m2uu-1k m2uu-1m m2uu-1p m2uu-1q m2uu-1r\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h1 class=\"x-text-content-text-primary\">Gemeinschaftskonto Vergleich Juni 2026<\/h1>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e6 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-20 m2uu-21 m2uu-22 m2uu-23\">1 Juni 2026 I Lesezeit: 11 Min.<\/div><div class=\"x-row e3702-e7 m2uu-8 m2uu-a m2uu-c m2uu-e m2uu-g m2uu-h m2uu-i m2uu-j m2uu-x m2uu-y\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e8 m2uu-1a\"><div class=\"x-anchor x-anchor-toggle has-graphic e3702-e9 m2uu-2j m2uu-2k m2uu-2l m2uu-2m m2uu-2n m2uu-2o m2uu-2p\" tabindex=\"0\" role=\"button\" data-x-toggle=\"1\" data-x-toggleable=\"e3702-e9\" data-x-toggle-hover=\"1\" aria-controls=\"e3702-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 e3702-e12 m2uu-1x m2uu-1y m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a m2uu-2b\">Ein Gemeinschaftskonto ist f\u00fcr viele Paare, Familien oder Wohngemeinschaften ein fester Bestandteil des Alltags. Neben klassischen Filialbanken setzen vor allem Direktbanken auf g\u00fcnstige Konditionen, digitale Prozesse und zus\u00e4tzliche Funktionen wie Unterkonten oder gemeinsame Budget\u00fcbersichten. Ein sorgf\u00e4ltiger Vergleich hilft dabei, ein Konto zu finden, das sowohl zu den finanziellen Gewohnheiten als auch zur Lebenssituation aller Beteiligten passt!<\/div><div class=\"x-acc e3702-e13 m2uu-2v m2uu-2w m2uu-2x m2uu-2y\" id=\"x-acc-e3702-e13\"><div class=\"e3702-e14 x-acc-item\"><button id=\"tab-e3702-e14\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3702-e14\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3702-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-e3702-e14\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3702-e14\" data-x-toggleable=\"e3702-e14\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3702-e15 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-22 m2uu-25 m2uu-2a m2uu-2c\"><ol>\n \t<li style=\"list-style-type: none;\">\n<ol>\n \t<li><a href=\"#definition\">Was ist ein Gemeinschaftskonto?<\/a><\/li>\n \t<li><a href=\"#funktion\">Wie funktioniert unser Gemeinschaftskonto Vergleich?<\/a><\/li>\n \t<li><a href=\"#arten\">Welche Arten von Gemeinschaftskonten gibt es?<\/a><\/li>\n \t<li><a href=\"#vorteile\">Vorteile und Nachteile eines Gemeinschaftskontos<\/a><\/li>\n \t<li><a href=\"#kosten\">Welche Kosten k\u00f6nnen entstehen?<\/a><\/li>\n \t<li><a href=\"#prozess\">Wie er\u00f6ffne ich ein Gemeinschaftskonto?<\/a><\/li>\n \t<li><a href=\"#faq\">H\u00e4ufig gestellte Fragen zu Gemeinschaftskonten<\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3702-e16 m2uu-8 m2uu-9 m2uu-a m2uu-b m2uu-e m2uu-i m2uu-j m2uu-k m2uu-x m2uu-z\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e17 m2uu-1a\"><div class=\"x-text x-text-headline e3702-e18 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Das Wichtigste in K\u00fcrze<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e19 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-22 m2uu-2a m2uu-2d\"><ul>\n \t<li>In Deutschland sind Gemeinschaftskonten vor allem als <strong>Oder-Konten<\/strong> (jede Person kann allein verf\u00fcgen) und <strong>Und-Konten<\/strong> (Verf\u00fcgungen nur gemeinsam) verbreitet. Sie eignen sich besonders f\u00fcr Paare, Familien oder WGs.<\/li>\n \t<li>Wer ein Gemeinschaftskonto nutzt, sollte vor allem auf <strong>faire Kosten, klare Zugriffsrechte und transparente Abrechnungen<\/strong> achten, damit es im Alltag unkompliziert bleibt und kein Streit entsteht.<\/li>\n<\/ul>\n<ul><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3702-e20 m2uu-0 m2uu-1 m2uu-3\"><div class=\"x-row x-container max width e3702-e21 m2uu-8 m2uu-9 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-f m2uu-v m2uu-10\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e22 m2uu-1a\"><div class=\"x-text x-text-headline e3702-e23 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Bestes Gemeinschaftskonto im Juni 2026<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e24 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-22 m2uu-2a m2uu-2d\"><p>Unser Gemeinschaftskonto Vergleich verschafft Ihnen einen transparenten \u00dcberblick \u00fcber die besten Gemeinschaftskonten auf dem deutschen Markt. Wir haben zahlreiche Angebote sorgf\u00e4ltig analysiert und \u00fcbersichtlich gegen\u00fcbergestellt, damit Sie schnell und einfach das Konto finden, das optimal zu Ihrer gemeinsamen finanziellen Situation und Ihren individuellen Anforderungen passt.<\/p>\n<p><strong>Diese Kriterien helfen beim Vergleich:<\/strong><\/p>\n\n<ul>\n \t<li><strong>Geb\u00fchren:<\/strong> Achten Sie auf Kontof\u00fchrungs- und Zusatzkosten (Karten f\u00fcr beide Kontoinhaber, Abhebungen, \u00dcberweisungen).<\/li>\n \t<li><strong>Kontomodell:<\/strong> Oder-Konto f\u00fcr maximale Flexibilit\u00e4t, Und-Konto f\u00fcr mehr Kontrolle bei gemeinsamen Entscheidungen.<\/li>\n \t<li><strong>Karten:<\/strong> Pr\u00fcfen Sie, ob f\u00fcr jede Person eine kostenlose Debit- oder Kreditkarte enthalten ist.<\/li>\n \t<li><strong>Bargeld:<\/strong> Wichtig sind faire Bedingungen f\u00fcr Abhebungen im In- und Ausland, idealerweise f\u00fcr alle Kontoinhaber gleich.<\/li>\n \t<li><strong>Online-Banking &amp; App:<\/strong> Beide Personen sollten gleichberechtigten Zugriff auf App und Online-Banking haben.<\/li>\n \t<li><strong>Haftung:<\/strong> Bei Oder-Konten haften meist alle Kontoinhaber gemeinsam, das sollte man sich bewusst machen.<\/li>\n \t<li><strong>Trennung &amp; Aufl\u00f6sung:<\/strong> Achten Sie darauf, wie einfach sich das Gemeinschaftskonto im Fall einer Trennung aufl\u00f6sen l\u00e4sst.<\/li>\n<\/ul>\n<p><\/p><\/div><div class=\"x-text x-content e3702-e25 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-29 m2uu-2a m2uu-2e\"><p><div class=\"cs-content x-global-block x-global-block-3920 e3920-e0\"><div class=\"x-section e3920-e2 m30w-0\"><div class=\"x-row e3920-e3 m30w-1 m30w-2 m30w-6 m30w-7\"><div class=\"x-row-inner\"><div class=\"x-col e3920-e4 m30w-a m30w-b\"><div class=\"x-row e3920-e5 m30w-1 m30w-3 m30w-4 m30w-6 m30w-8\"><div class=\"x-row-inner\"><div class=\"x-col e3920-e6 m30w-a m30w-c\"><a class=\"x-image e3920-e7 m30w-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-c24-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/04\/SZ_c24.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3920-e8 m30w-e m30w-f m30w-g m30w-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>C24 Smart<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3920-e9 m30w-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3920-e10 m30w-e m30w-g m30w-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\/kreditkarten-vergleich\/c24-kreditkarte\/\">C24 Girokonto &amp; Kreditkarte im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3920-e11 m30w-a m30w-c\"><div class=\"x-grid x-container max width e3920-e12 m30w-l\"><div class=\"x-cell e3920-e13 m30w-m m30w-n\"><div class=\"x-text x-text-headline e3920-e14 m30w-e m30w-h m30w-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 e3920-e15 m30w-p m30w-q\">0 \u20ac<\/div><\/div><div class=\"x-cell e3920-e16 m30w-m m30w-n\"><div class=\"x-text x-text-headline e3920-e17 m30w-e m30w-h m30w-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3920-e18 m30w-p m30w-q\"><p style=\"text-align: center;\">2 Kontoinhaber, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3920-e19 m30w-m m30w-o\"><div class=\"x-text x-text-headline e3920-e20 m30w-e m30w-h m30w-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3920-e21 m30w-p m30w-q\">Kostenlose Mastercard<\/div><\/div><div class=\"x-cell e3920-e22 m30w-m m30w-o\"><div class=\"x-text x-text-headline e3920-e23 m30w-e m30w-h m30w-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3920-e24 m30w-p m30w-q\">49.750<\/div><\/div><\/div><div class=\"x-acc e3920-e25 m30w-s\" id=\"x-acc-e3920-e25\"><div class=\"e3920-e26 x-acc-item\"><p id=\"tab-e3920-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3920-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3920-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3920-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3920-e26\" data-x-toggleable=\"e3920-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3920-e27 m30w-p m30w-r\"><p class=\"p1\"><div id=\"footable_parent_2504\"\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=\"2504\" data-filter-delay=\"1000\" aria-label=\"C24 Girokonto Geb\u00fchren Toplist\"            id=\"footable_2504\"\n           data-unique_identifier=\"ninja_table_unique_id_2786626381_2504\"\n           class=\" foo-table ninja_footable foo_table_2504 ninja_table_unique_id_2786626381_2504 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=\"1395\" class=\"ninja_table_row_0 nt_row_id_1395\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1400\" class=\"ninja_table_row_1 nt_row_id_1400\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1398\" class=\"ninja_table_row_2 nt_row_id_1398\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1402\" class=\"ninja_table_row_3 nt_row_id_1402\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"1396\" class=\"ninja_table_row_4 nt_row_id_1396\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro & Fremdw\u00e4hrung: 4x pro Monat kostenlos, danach je Abhebung 2\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1397\" class=\"ninja_table_row_5 nt_row_id_1397\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>1,75% Geb\u00fchr bei teilnehmenden Handelspartnern<\/td>        <\/tr>\n            <tr data-row_id=\"1403\" class=\"ninja_table_row_6 nt_row_id_1403\">\n            <td><strong>Dispozins<\/strong><\/td><td>7,49% - 11,49%<\/td>        <\/tr>\n            <tr data-row_id=\"1399\" class=\"ninja_table_row_7 nt_row_id_1399\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1401\" class=\"ninja_table_row_8 nt_row_id_1401\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, kostenloses Depot & 0,05% Cashback<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3920-e28 m30w-1 m30w-3 m30w-5 m30w-6 m30w-9\"><div class=\"x-row-inner\"><div class=\"x-col e3920-e29 m30w-a m30w-c\"><a class=\"x-anchor x-anchor-button e3920-e30 m30w-t\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-c24-girokonto\" 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-3923 e3923-e0\"><div class=\"x-section e3923-e2 m30z-0\"><div class=\"x-row e3923-e3 m30z-1 m30z-2 m30z-6 m30z-7\"><div class=\"x-row-inner\"><div class=\"x-col e3923-e4 m30z-a m30z-b\"><div class=\"x-row e3923-e5 m30z-1 m30z-3 m30z-4 m30z-6 m30z-8\"><div class=\"x-row-inner\"><div class=\"x-col e3923-e6 m30z-a m30z-c\"><a class=\"x-image e3923-e7 m30z-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-santander-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/04\/SZ_Santander.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3923-e8 m30z-e m30z-f m30z-g m30z-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Santander<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3923-e9 m30z-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3923-e10 m30z-e m30z-g m30z-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\/girokonto-vergleich\/santander-girokonto\/\">Santander Girokonto &amp; Kreditkarte im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3923-e11 m30z-a m30z-c\"><div class=\"x-grid x-container max width e3923-e12 m30z-l\"><div class=\"x-cell e3923-e13 m30z-m m30z-n\"><div class=\"x-text x-text-headline e3923-e14 m30z-e m30z-h m30z-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 e3923-e15 m30z-p m30z-q\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3923-e16 m30z-m m30z-o\"><div class=\"x-text x-text-headline e3923-e17 m30z-e m30z-h m30z-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3923-e18 m30z-p m30z-q\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3923-e19 m30z-m m30z-n\"><div class=\"x-text x-text-headline e3923-e20 m30z-e m30z-h m30z-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3923-e21 m30z-p m30z-q\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3923-e22 m30z-m m30z-n\"><div class=\"x-text x-text-headline e3923-e23 m30z-e m30z-h m30z-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3923-e24 m30z-p m30z-q\"><p style=\"text-align: center;\">49.750<\/p><\/div><\/div><\/div><div class=\"x-acc e3923-e25 m30z-s\" id=\"x-acc-e3923-e25\"><div class=\"e3923-e26 x-acc-item\"><p id=\"tab-e3923-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3923-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3923-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3923-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3923-e26\" data-x-toggleable=\"e3923-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3923-e27 m30z-p m30z-r\"><p class=\"p1\"><div id=\"footable_parent_2500\"\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=\"2500\" data-filter-delay=\"1000\" aria-label=\"Santander Girokonto Geb\u00fchren Toplist\"            id=\"footable_2500\"\n           data-unique_identifier=\"ninja_table_unique_id_2649517978_2500\"\n           class=\" foo-table ninja_footable foo_table_2500 ninja_table_unique_id_2649517978_2500 ui table  ninja_search_right nt_type_legacy_table celled compact vertical_centered ninja_custom_color inverted footable-paging-right ninjatable_hide_header_row 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=\"1350\" class=\"ninja_table_row_0 nt_row_id_1350\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1355\" class=\"ninja_table_row_1 nt_row_id_1355\">\n            <td><strong>Girocard<\/strong><\/td><td>12 \u20ac p.a.<\/td>        <\/tr>\n            <tr data-row_id=\"1353\" class=\"ninja_table_row_2 nt_row_id_1353\">\n            <td><strong>Debitkarte<\/strong><\/td><td>Visa Debit f\u00fcr 0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1357\" class=\"ninja_table_row_3 nt_row_id_1357\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Visa BestCard Basic oder BestCard Smart f\u00fcr 0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1351\" class=\"ninja_table_row_4 nt_row_id_1351\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 0 \u20ac \/ Fremdw\u00e4hrung: 1,85 %<\/td>        <\/tr>\n            <tr data-row_id=\"1352\" class=\"ninja_table_row_5 nt_row_id_1352\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>Kostenlos am Santander Schalter<\/td>        <\/tr>\n            <tr data-row_id=\"1358\" class=\"ninja_table_row_6 nt_row_id_1358\">\n            <td><strong>Dispozins<\/strong><\/td><td>10,20 % - 13,45 %<\/td>        <\/tr>\n            <tr data-row_id=\"1354\" class=\"ninja_table_row_7 nt_row_id_1354\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1356\" class=\"ninja_table_row_8 nt_row_id_1356\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, Kostenloses Depot & Tagesgeldkonto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3923-e28 m30z-1 m30z-3 m30z-5 m30z-6 m30z-9\"><div class=\"x-row-inner\"><div class=\"x-col e3923-e29 m30z-a m30z-c\"><a class=\"x-anchor x-anchor-button e3923-e30 m30z-t\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-santander-girokonto\" 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-3840 e3840-e0\"><div class=\"x-section e3840-e2 m2yo-0\"><div class=\"x-row e3840-e3 m2yo-1 m2yo-2 m2yo-6 m2yo-7\"><div class=\"x-row-inner\"><div class=\"x-col e3840-e4 m2yo-a m2yo-b\"><div class=\"x-row e3840-e5 m2yo-1 m2yo-3 m2yo-4 m2yo-6 m2yo-8\"><div class=\"x-row-inner\"><div class=\"x-col e3840-e6 m2yo-a m2yo-c\"><div class=\"x-anchor x-anchor-button has-graphic e3840-e7 m2yo-d m2yo-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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">200 \u20ac Pr\u00e4mie<\/span><\/div><\/div><\/div><span class=\"x-image e3840-e8 m2yo-g\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/03\/SZ_ing.png\" width=\"175\" height=\"125\" alt=\"ING\" loading=\"lazy\"><\/span><div class=\"x-text x-text-headline e3840-e9 m2yo-h m2yo-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>ING<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3840-e10 m2yo-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 e3840-e11 m2yo-a m2yo-c\"><div class=\"x-grid x-container max width e3840-e12 m2yo-l\"><div class=\"x-cell e3840-e13 m2yo-m\"><div class=\"x-text x-text-headline e3840-e14 m2yo-h m2yo-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 e3840-e15 m2yo-n m2yo-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3840-e16 m2yo-m\"><div class=\"x-text x-text-headline e3840-e17 m2yo-h m2yo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftkontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3840-e18 m2yo-n m2yo-o\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3840-e19 m2yo-m\"><div class=\"x-text x-text-headline e3840-e20 m2yo-h m2yo-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3840-e21 m2yo-n m2yo-o\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3840-e22 m2yo-m\"><div class=\"x-text x-text-headline e3840-e23 m2yo-h m2yo-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3840-e24 m2yo-n m2yo-o\"><p style=\"text-align: center;\">49.750<\/p><\/div><\/div><\/div><div class=\"x-acc e3840-e25 m2yo-q\" id=\"x-acc-e3840-e25\"><div class=\"e3840-e26 x-acc-item\"><p id=\"tab-e3840-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3840-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3840-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3840-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3840-e26\" data-x-toggleable=\"e3840-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3840-e27 m2yo-n m2yo-p\"><p class=\"p1\"><div id=\"footable_parent_2504\"\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=\"2504\" data-filter-delay=\"1000\" aria-label=\"C24 Girokonto Geb\u00fchren Toplist\"            id=\"footable_2504\"\n           data-unique_identifier=\"ninja_table_unique_id_2248756344_2504\"\n           class=\" foo-table ninja_footable foo_table_2504 ninja_table_unique_id_2248756344_2504 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=\"1395\" class=\"ninja_table_row_0 nt_row_id_1395\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1400\" class=\"ninja_table_row_1 nt_row_id_1400\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1398\" class=\"ninja_table_row_2 nt_row_id_1398\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1402\" class=\"ninja_table_row_3 nt_row_id_1402\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"1396\" class=\"ninja_table_row_4 nt_row_id_1396\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro & Fremdw\u00e4hrung: 4x pro Monat kostenlos, danach je Abhebung 2\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1397\" class=\"ninja_table_row_5 nt_row_id_1397\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>1,75% Geb\u00fchr bei teilnehmenden Handelspartnern<\/td>        <\/tr>\n            <tr data-row_id=\"1403\" class=\"ninja_table_row_6 nt_row_id_1403\">\n            <td><strong>Dispozins<\/strong><\/td><td>7,49% - 11,49%<\/td>        <\/tr>\n            <tr data-row_id=\"1399\" class=\"ninja_table_row_7 nt_row_id_1399\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1401\" class=\"ninja_table_row_8 nt_row_id_1401\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, kostenloses Depot & 0,05% Cashback<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3840-e28 m2yo-1 m2yo-3 m2yo-5 m2yo-6 m2yo-9\"><div class=\"x-row-inner\"><div class=\"x-col e3840-e29 m2yo-a m2yo-c\"><a class=\"x-anchor x-anchor-button e3840-e30 m2yo-d m2yo-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-ING-girokonto\" 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-3852 e3852-e0\"><div class=\"x-section e3852-e2 m2z0-0\"><div class=\"x-row e3852-e3 m2z0-1 m2z0-2 m2z0-6 m2z0-7\"><div class=\"x-row-inner\"><div class=\"x-col e3852-e4 m2z0-a m2z0-b\"><div class=\"x-row e3852-e5 m2z0-1 m2z0-3 m2z0-4 m2z0-6 m2z0-8\"><div class=\"x-row-inner\"><div class=\"x-col e3852-e6 m2z0-a m2z0-c\"><div class=\"x-anchor x-anchor-button has-graphic e3852-e7 m2z0-d m2z0-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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">100 \u20ac Pr\u00e4mie<\/span><\/div><\/div><\/div><a class=\"x-image e3852-e8 m2z0-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-dkb-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/02\/SZ_dkb.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3852-e9 m2z0-h m2z0-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">DKB<\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3852-e10 m2z0-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 e3852-e11 m2z0-a m2z0-c\"><div class=\"x-grid x-container max width e3852-e12 m2z0-l\"><div class=\"x-cell e3852-e13 m2z0-m\"><div class=\"x-text x-text-headline e3852-e14 m2z0-h m2z0-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 e3852-e15 m2z0-n m2z0-o\"><p style=\"text-align: center;\">Girokonto kostenlos bei min. 700\u20ac Geldeingang p.M. oder unter 28 Jahren, sonst 4,50\u20ac p.M.<\/p><\/div><\/div><div class=\"x-cell e3852-e16 m2z0-m\"><div class=\"x-text x-text-headline e3852-e17 m2z0-h m2z0-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3852-e18 m2z0-n m2z0-o\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3852-e19 m2z0-m\"><div class=\"x-text x-text-headline e3852-e20 m2z0-h m2z0-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3852-e21 m2z0-n m2z0-o\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3852-e22 m2z0-m\"><div class=\"x-text x-text-headline e3852-e23 m2z0-h m2z0-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3852-e24 m2z0-n m2z0-o\"><p style=\"text-align: center;\">49.750<\/p><\/div><\/div><\/div><div class=\"x-acc e3852-e25 m2z0-q\" id=\"x-acc-e3852-e25\"><div class=\"e3852-e26 x-acc-item\"><p id=\"tab-e3852-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3852-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3852-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3852-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3852-e26\" data-x-toggleable=\"e3852-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3852-e27 m2z0-n m2z0-p\"><p class=\"p1\"><div id=\"footable_parent_2504\"\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=\"2504\" data-filter-delay=\"1000\" aria-label=\"C24 Girokonto Geb\u00fchren Toplist\"            id=\"footable_2504\"\n           data-unique_identifier=\"ninja_table_unique_id_953894926_2504\"\n           class=\" foo-table ninja_footable foo_table_2504 ninja_table_unique_id_953894926_2504 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=\"1395\" class=\"ninja_table_row_0 nt_row_id_1395\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1400\" class=\"ninja_table_row_1 nt_row_id_1400\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1398\" class=\"ninja_table_row_2 nt_row_id_1398\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1402\" class=\"ninja_table_row_3 nt_row_id_1402\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"1396\" class=\"ninja_table_row_4 nt_row_id_1396\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro & Fremdw\u00e4hrung: 4x pro Monat kostenlos, danach je Abhebung 2\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1397\" class=\"ninja_table_row_5 nt_row_id_1397\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>1,75% Geb\u00fchr bei teilnehmenden Handelspartnern<\/td>        <\/tr>\n            <tr data-row_id=\"1403\" class=\"ninja_table_row_6 nt_row_id_1403\">\n            <td><strong>Dispozins<\/strong><\/td><td>7,49% - 11,49%<\/td>        <\/tr>\n            <tr data-row_id=\"1399\" class=\"ninja_table_row_7 nt_row_id_1399\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1401\" class=\"ninja_table_row_8 nt_row_id_1401\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, kostenloses Depot & 0,05% Cashback<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3852-e28 m2z0-1 m2z0-3 m2z0-5 m2z0-6 m2z0-9\"><div class=\"x-row-inner\"><div class=\"x-col e3852-e29 m2z0-a m2z0-c\"><a class=\"x-anchor x-anchor-button e3852-e30 m2z0-d m2z0-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-dkb-girokonto\" 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-3922 e3922-e0\"><div class=\"x-section e3922-e2 m30y-0\"><div class=\"x-row e3922-e3 m30y-1 m30y-2 m30y-6 m30y-7\"><div class=\"x-row-inner\"><div class=\"x-col e3922-e4 m30y-a m30y-b\"><div class=\"x-row e3922-e5 m30y-1 m30y-3 m30y-4 m30y-6 m30y-8\"><div class=\"x-row-inner\"><div class=\"x-col e3922-e6 m30y-a m30y-c\"><a class=\"x-image e3922-e7 m30y-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-consorsbank-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/04\/SZ_consorsbank.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3922-e8 m30y-e m30y-f m30y-g m30y-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Consorsbank<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3922-e9 m30y-l\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"5 \/ 5\">\n    <i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      5 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3922-e10 m30y-e m30y-g m30y-i m30y-j\"><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\/girokonto-vergleich\/consorsbank-girokonto\/\">Consorsbank Girokonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3922-e11 m30y-a m30y-c\"><div class=\"x-grid x-container max width e3922-e12 m30y-m\"><div class=\"x-cell e3922-e13 m30y-n\"><div class=\"x-text x-text-headline e3922-e14 m30y-e m30y-h m30y-j m30y-k\"><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 e3922-e15 m30y-o m30y-p\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3922-e16 m30y-n\"><div class=\"x-text x-text-headline e3922-e17 m30y-e m30y-h m30y-j m30y-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3922-e18 m30y-o m30y-p\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3922-e19 m30y-n\"><div class=\"x-text x-text-headline e3922-e20 m30y-e m30y-h m30y-j m30y-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3922-e21 m30y-o m30y-p\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3922-e22 m30y-n\"><div class=\"x-text x-text-headline e3922-e23 m30y-e m30y-h m30y-j m30y-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3922-e24 m30y-o m30y-p\"><p style=\"text-align: center;\">49.750<\/p><\/div><\/div><\/div><div class=\"x-acc e3922-e25 m30y-r\" id=\"x-acc-e3922-e25\"><div class=\"e3922-e26 x-acc-item\"><p id=\"tab-e3922-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3922-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3922-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3922-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3922-e26\" data-x-toggleable=\"e3922-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3922-e27 m30y-o m30y-q\"><p class=\"p1\"><div id=\"footable_parent_2501\"\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=\"2501\" data-filter-delay=\"1000\" aria-label=\"Consorsbank Girokonto Geb\u00fchren Toplist\"            id=\"footable_2501\"\n           data-unique_identifier=\"ninja_table_unique_id_3692859563_2501\"\n           class=\" foo-table ninja_footable foo_table_2501 ninja_table_unique_id_3692859563_2501 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=\"1365\" class=\"ninja_table_row_0 nt_row_id_1365\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1370\" class=\"ninja_table_row_1 nt_row_id_1370\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1368\" class=\"ninja_table_row_2 nt_row_id_1368\">\n            <td><strong>Debitkarte<\/strong><\/td><td>Visa Debit f\u00fcr 0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1372\" class=\"ninja_table_row_3 nt_row_id_1372\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Visa Card Gold Light f\u00fcr 0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1366\" class=\"ninja_table_row_4 nt_row_id_1366\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 0 \u20ac \/ Fremdw\u00e4hrung: 0 %<\/td>        <\/tr>\n            <tr data-row_id=\"1367\" class=\"ninja_table_row_5 nt_row_id_1367\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>9,50\u20ac je angefangene 5.000\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1373\" class=\"ninja_table_row_6 nt_row_id_1373\">\n            <td><strong>Dispozins<\/strong><\/td><td>9,40 %<\/td>        <\/tr>\n            <tr data-row_id=\"1369\" class=\"ninja_table_row_7 nt_row_id_1369\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1371\" class=\"ninja_table_row_8 nt_row_id_1371\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, Kostenloses Depot & Tagesgeldkonto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3922-e28 m30y-1 m30y-3 m30y-5 m30y-6 m30y-9\"><div class=\"x-row-inner\"><div class=\"x-col e3922-e29 m30y-a m30y-c\"><a class=\"x-anchor x-anchor-button e3922-e30 m30y-s\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-consorsbank-girokonto\" 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-3925 e3925-e0\"><div class=\"x-section e3925-e2 m311-0\"><div class=\"x-row e3925-e3 m311-1 m311-2 m311-6 m311-7\"><div class=\"x-row-inner\"><div class=\"x-col e3925-e4 m311-a m311-b\"><div class=\"x-row e3925-e5 m311-1 m311-3 m311-4 m311-6 m311-8\"><div class=\"x-row-inner\"><div class=\"x-col e3925-e6 m311-a m311-c\"><div class=\"x-anchor x-anchor-button has-graphic e3925-e7 m311-d m311-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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">120 \u20ac Pr\u00e4mie<\/span><\/div><\/div><\/div><a class=\"x-image e3925-e8 m311-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-norisbank-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/02\/SZ_norisbank.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3925-e9 m311-h m311-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Norisbank<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3925-e10 m311-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 e3925-e11 m311-a m311-c\"><div class=\"x-grid x-container max width e3925-e12 m311-l\"><div class=\"x-cell e3925-e13 m311-m\"><div class=\"x-text x-text-headline e3925-e14 m311-h m311-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 e3925-e15 m311-n m311-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3925-e16 m311-m\"><div class=\"x-text x-text-headline e3925-e17 m311-h m311-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftkontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3925-e18 m311-n m311-o\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3925-e19 m311-m\"><div class=\"x-text x-text-headline e3925-e20 m311-h m311-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3925-e21 m311-n m311-o\"><p style=\"text-align: center;\">Kostenlose Mastercard<\/p><\/div><\/div><div class=\"x-cell e3925-e22 m311-m\"><div class=\"x-text x-text-headline e3925-e23 m311-h m311-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3925-e24 m311-n m311-o\"><p style=\"text-align: center;\">5.000<\/p><\/div><\/div><\/div><div class=\"x-acc e3925-e25 m311-q\" id=\"x-acc-e3925-e25\"><div class=\"e3925-e26 x-acc-item\"><p id=\"tab-e3925-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3925-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3925-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3925-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3925-e26\" data-x-toggleable=\"e3925-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3925-e27 m311-n m311-p\"><p class=\"p1\"><div id=\"footable_parent_4274\"\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=\"4274\" data-filter-delay=\"1000\" aria-label=\"norisbank Girokonto Geb\u00fchren Toplist\"            id=\"footable_4274\"\n           data-unique_identifier=\"ninja_table_unique_id_2254513766_4274\"\n           class=\" foo-table ninja_footable foo_table_4274 ninja_table_unique_id_2254513766_4274 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=\"3117\" class=\"ninja_table_row_0 nt_row_id_3117\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac wenn mind. 500\u20ac Geldeingang oder unter 30 Jahren, sonst 3,90\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3122\" class=\"ninja_table_row_1 nt_row_id_3122\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3120\" class=\"ninja_table_row_2 nt_row_id_3120\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3124\" class=\"ninja_table_row_3 nt_row_id_3124\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Mastercard Kreditkarte f\u00fcr 0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3118\" class=\"ninja_table_row_4 nt_row_id_3118\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 0\u202f\u20ac \/ Fremdw\u00e4hrung: 0,50 %<\/td>        <\/tr>\n            <tr data-row_id=\"3119\" class=\"ninja_table_row_5 nt_row_id_3119\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>Kostenlos an Geldautomaten der Deutschen Bank<\/td>        <\/tr>\n            <tr data-row_id=\"3125\" class=\"ninja_table_row_6 nt_row_id_3125\">\n            <td><strong>Dispozins<\/strong><\/td><td>10,50 %<\/td>        <\/tr>\n            <tr data-row_id=\"3121\" class=\"ninja_table_row_7 nt_row_id_3121\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3123\" class=\"ninja_table_row_8 nt_row_id_3123\">\n            <td><strong>Extras<\/strong><\/td><td>3,33 % Tagesgeldzinsen<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3925-e28 m311-1 m311-3 m311-5 m311-6 m311-9\"><div class=\"x-row-inner\"><div class=\"x-col e3925-e29 m311-a m311-c\"><a class=\"x-anchor x-anchor-button e3925-e30 m311-d m311-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-norisbank-girokonto\" 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-3927 e3927-e0\"><div class=\"x-section e3927-e2 m313-0\"><div class=\"x-row e3927-e3 m313-1 m313-2 m313-6 m313-7\"><div class=\"x-row-inner\"><div class=\"x-col e3927-e4 m313-a m313-b\"><div class=\"x-row e3927-e5 m313-1 m313-3 m313-4 m313-6 m313-8\"><div class=\"x-row-inner\"><div class=\"x-col e3927-e6 m313-a m313-c\"><div class=\"x-anchor x-anchor-button has-graphic e3927-e7 m313-d m313-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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">100 \u20ac Pr\u00e4mie<\/span><\/div><\/div><\/div><a class=\"x-image e3927-e8 m313-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-comdirect-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2026\/02\/SZ_comdirect.png\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3927-e9 m313-h m313-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>comdirect<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3927-e10 m313-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 e3927-e11 m313-a m313-c\"><div class=\"x-grid x-container max width e3927-e12 m313-l\"><div class=\"x-cell e3927-e13 m313-m\"><div class=\"x-text x-text-headline e3927-e14 m313-h m313-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 e3927-e15 m313-n m313-o\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3927-e16 m313-m\"><div class=\"x-text x-text-headline e3927-e17 m313-h m313-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3927-e18 m313-n m313-o\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3927-e19 m313-m\"><div class=\"x-text x-text-headline e3927-e20 m313-h m313-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3927-e21 m313-n m313-o\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3927-e22 m313-m\"><div class=\"x-text x-text-headline e3927-e23 m313-h m313-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3927-e24 m313-n m313-o\"><p style=\"text-align: center;\">49.570<\/p><\/div><\/div><\/div><div class=\"x-acc e3927-e25 m313-q\" id=\"x-acc-e3927-e25\"><div class=\"e3927-e26 x-acc-item\"><p id=\"tab-e3927-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3927-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3927-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3927-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3927-e26\" data-x-toggleable=\"e3927-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3927-e27 m313-n m313-p\"><p class=\"p1\"><div id=\"footable_parent_4275\"\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=\"4275\" data-filter-delay=\"1000\" aria-label=\"comdirect Girokonto Geb\u00fchren Toplist\"            id=\"footable_4275\"\n           data-unique_identifier=\"ninja_table_unique_id_3436988913_4275\"\n           class=\" foo-table ninja_footable foo_table_4275 ninja_table_unique_id_3436988913_4275 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=\"3132\" class=\"ninja_table_row_0 nt_row_id_3132\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac bei min. 700\u20ac Geldeingang p.M. oder unter 28 Jahren<\/td>        <\/tr>\n            <tr data-row_id=\"3137\" class=\"ninja_table_row_1 nt_row_id_3137\">\n            <td><strong>Girocard<\/strong><\/td><td>1 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3135\" class=\"ninja_table_row_2 nt_row_id_3135\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"3139\" class=\"ninja_table_row_3 nt_row_id_3139\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>Visa Kreditkarte f\u00fcr 1,90 \u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"3133\" class=\"ninja_table_row_4 nt_row_id_3133\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 3x p.M. 0 \u20ac, danach 4,90 \u20ac (+ 1,75 % f\u00fcr Fremdw\u00e4hrung)<\/td>        <\/tr>\n            <tr data-row_id=\"3134\" class=\"ninja_table_row_5 nt_row_id_3134\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>3x pro Jahr kostenlos bei teilnehmenden Handelspartnern mit \"Barzahlen\" per App-Barcode<\/td>        <\/tr>\n            <tr data-row_id=\"3140\" class=\"ninja_table_row_6 nt_row_id_3140\">\n            <td><strong>Dispozins<\/strong><\/td><td>8,65 %<\/td>        <\/tr>\n            <tr data-row_id=\"3136\" class=\"ninja_table_row_7 nt_row_id_3136\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"3138\" class=\"ninja_table_row_8 nt_row_id_3138\">\n            <td><strong>Extras<\/strong><\/td><td>1,75 % Tagesgeldzinsen<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3927-e28 m313-1 m313-3 m313-5 m313-6 m313-9\"><div class=\"x-row-inner\"><div class=\"x-col e3927-e29 m313-a m313-c\"><a class=\"x-anchor x-anchor-button e3927-e30 m313-d m313-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-comdirect-girokonto\" 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-3929 e3929-e0\"><div class=\"x-section e3929-e2 m315-0\"><div class=\"x-row e3929-e3 m315-1 m315-2 m315-6 m315-7\"><div class=\"x-row-inner\"><div class=\"x-col e3929-e4 m315-a m315-b\"><div class=\"x-row e3929-e5 m315-1 m315-3 m315-4 m315-6 m315-8\"><div class=\"x-row-inner\"><div class=\"x-col e3929-e6 m315-a m315-c\"><a class=\"x-image e3929-e7 m315-d\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-targobank-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/08\/SZ_targobank-1.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3929-e8 m315-e m315-f m315-g m315-h\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>Targobank<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3929-e9 m315-k\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.85 \/ 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      3.85 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3929-e10 m315-e m315-g m315-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\/girokonto-vergleich\/targobank-girokonto\/\">Targobank Girokonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3929-e11 m315-a m315-c\"><div class=\"x-grid x-container max width e3929-e12 m315-l\"><div class=\"x-cell e3929-e13 m315-m m315-n\"><div class=\"x-text x-text-headline e3929-e14 m315-e m315-h m315-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 e3929-e15 m315-p m315-q\"><p style=\"text-align: center;\">0 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3929-e16 m315-m m315-o\"><div class=\"x-text x-text-headline e3929-e17 m315-e m315-h m315-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3929-e18 m315-p m315-q\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3929-e19 m315-m m315-n\"><div class=\"x-text x-text-headline e3929-e20 m315-e m315-h m315-j\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3929-e21 m315-p m315-q\"><p style=\"text-align: center;\">Kostenlose Visa<\/p><\/div><\/div><div class=\"x-cell e3929-e22 m315-m m315-n\"><div class=\"x-text x-text-headline e3929-e23 m315-e m315-h m315-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3929-e24 m315-p m315-q\"><p style=\"text-align: center;\">49.750<\/p><\/div><\/div><\/div><div class=\"x-acc e3929-e25 m315-s\" id=\"x-acc-e3929-e25\"><div class=\"e3929-e26 x-acc-item\"><p id=\"tab-e3929-e26\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3929-e26\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3929-e26\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3929-e26\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3929-e26\" data-x-toggleable=\"e3929-e26\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3929-e27 m315-p m315-r\"><p class=\"p1\"><div id=\"footable_parent_2506\"\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=\"2506\" data-filter-delay=\"1000\" aria-label=\"Targobank Girokonto Geb\u00fchren Toplist\"            id=\"footable_2506\"\n           data-unique_identifier=\"ninja_table_unique_id_2030811585_2506\"\n           class=\" foo-table ninja_footable foo_table_2506 ninja_table_unique_id_2030811585_2506 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=\"1425\" class=\"ninja_table_row_0 nt_row_id_1425\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1430\" class=\"ninja_table_row_1 nt_row_id_1430\">\n            <td><strong>Girocard<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"1428\" class=\"ninja_table_row_2 nt_row_id_1428\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1432\" class=\"ninja_table_row_3 nt_row_id_1432\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1426\" class=\"ninja_table_row_4 nt_row_id_1426\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 3,95 \u20ac \/ Fremdw\u00e4hrung: 3,95\u20ac + 3,85%<\/td>        <\/tr>\n            <tr data-row_id=\"1427\" class=\"ninja_table_row_5 nt_row_id_1427\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>Kostenlos an Targobank-Geldautomaten mit Einzahlfunktion<\/td>        <\/tr>\n            <tr data-row_id=\"1433\" class=\"ninja_table_row_6 nt_row_id_1433\">\n            <td><strong>Dispozins<\/strong><\/td><td>8,77 %<\/td>        <\/tr>\n            <tr data-row_id=\"1429\" class=\"ninja_table_row_7 nt_row_id_1429\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1431\" class=\"ninja_table_row_8 nt_row_id_1431\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, kostenloses Depot & kostenloses Tagesgeldkonto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3929-e28 m315-1 m315-3 m315-5 m315-6 m315-9\"><div class=\"x-row-inner\"><div class=\"x-col e3929-e29 m315-a m315-c\"><a class=\"x-anchor x-anchor-button e3929-e30 m315-t\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-targobank-girokonto\" 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-3933 e3933-e0\"><div class=\"x-section e3933-e2 m319-0\"><div class=\"x-row e3933-e3 m319-1 m319-2 m319-4 m319-5\"><div class=\"x-row-inner\"><div class=\"x-col e3933-e4 m319-8 m319-9\"><div class=\"x-row e3933-e5 m319-1 m319-3 m319-4 m319-6\"><div class=\"x-row-inner\"><div class=\"x-col e3933-e6 m319-8 m319-a\"><div class=\"x-anchor x-anchor-button has-graphic e3933-e7 m319-b m319-c\" 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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">200 \u20ac Pr\u00e4mie<\/span><\/div><\/div><\/div><a class=\"x-image e3933-e8 m319-e\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-berliner-volksbank-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/08\/SZ_berliner_volksbank.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3933-e9 m319-f m319-g m319-h m319-i\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\">Berliner Volksbank<\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3933-e10 m319-l\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.7 \/ 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=\"&#xf5c0;\"><\/i><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-o=\"&#xf005;\"><\/i>  <\/span>\n\n      <span class=\"x-rating-text\">\n      3.7 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3933-e11 m319-f m319-h m319-j\"><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\/girokonto-vergleich\/berliner-volksbank-girokonto\/\">Berliner Volksbank Girokonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3933-e12 m319-8 m319-a\"><div class=\"x-grid x-container max width e3933-e13 m319-m\"><div class=\"x-cell e3933-e14 m319-n m319-o\"><div class=\"x-text x-text-headline e3933-e15 m319-f m319-i m319-k\"><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 e3933-e16 m319-q m319-r\"><p style=\"text-align: center;\">3,95 \u20ac<\/p><\/div><\/div><div class=\"x-cell e3933-e17 m319-n m319-o\"><div class=\"x-text x-text-headline e3933-e18 m319-f m319-i m319-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3933-e19 m319-q m319-r\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3933-e20 m319-n m319-p\"><div class=\"x-text x-text-headline e3933-e21 m319-f m319-i m319-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3933-e22 m319-q m319-r\"><p style=\"text-align: center;\">Kostenlose Mastercard<\/p><\/div><\/div><div class=\"x-cell e3933-e23 m319-n m319-p\"><div class=\"x-text x-text-headline e3933-e24 m319-f m319-i m319-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Anzahl Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3933-e25 m319-q m319-r\"><p style=\"text-align: center;\">17.300<\/p><\/div><\/div><\/div><div class=\"x-acc e3933-e26 m319-t\" id=\"x-acc-e3933-e26\"><div class=\"e3933-e27 x-acc-item\"><p id=\"tab-e3933-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3933-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3933-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3933-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3933-e27\" data-x-toggleable=\"e3933-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3933-e28 m319-q m319-s\"><p class=\"p1\"><div id=\"footable_parent_2508\"\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=\"2508\" data-filter-delay=\"1000\" aria-label=\"Berliner Volksbank Girokonto Geb\u00fchren Toplist\"            id=\"footable_2508\"\n           data-unique_identifier=\"ninja_table_unique_id_4120860329_2508\"\n           class=\" foo-table ninja_footable foo_table_2508 ninja_table_unique_id_4120860329_2508 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=\"1455\" class=\"ninja_table_row_0 nt_row_id_1455\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>3,95 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1460\" class=\"ninja_table_row_1 nt_row_id_1460\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1458\" class=\"ninja_table_row_2 nt_row_id_1458\">\n            <td><strong>Debitkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1462\" class=\"ninja_table_row_3 nt_row_id_1462\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1456\" class=\"ninja_table_row_4 nt_row_id_1456\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 1% (min. 7,50\u20ac) \/ Fremdw\u00e4hrung: 1% (mind. 7,50\u20ac) + 1,8%<\/td>        <\/tr>\n            <tr data-row_id=\"1457\" class=\"ninja_table_row_5 nt_row_id_1457\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>Kostenlos an Volksbank-Automaten<\/td>        <\/tr>\n            <tr data-row_id=\"1463\" class=\"ninja_table_row_6 nt_row_id_1463\">\n            <td><strong>Dispozins<\/strong><\/td><td>11,95% %<\/td>        <\/tr>\n            <tr data-row_id=\"1459\" class=\"ninja_table_row_7 nt_row_id_1459\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1461\" class=\"ninja_table_row_8 nt_row_id_1461\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service & kostenloses Depot<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3933-e29 m319-1 m319-2 m319-4 m319-7\"><div class=\"x-row-inner\"><div class=\"x-col e3933-e30 m319-8 m319-a\"><a class=\"x-anchor x-anchor-button e3933-e31 m319-b m319-d\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-berliner-volksbank-girokonto\" 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-3931 e3931-e0\"><div class=\"x-section e3931-e2 m317-0\"><div class=\"x-row e3931-e3 m317-1 m317-2 m317-6 m317-7\"><div class=\"x-row-inner\"><div class=\"x-col e3931-e4 m317-a m317-b\"><div class=\"x-row e3931-e5 m317-1 m317-3 m317-4 m317-6 m317-8\"><div class=\"x-row-inner\"><div class=\"x-col e3931-e6 m317-a m317-c\"><div class=\"x-anchor x-anchor-button has-graphic e3931-e7 m317-d m317-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=\"&#xf06b;\"><\/i><\/span><div class=\"x-anchor-text\"><span class=\"x-anchor-text-primary\">125 \u20ac Pr\u00e4mie + 2,55 % Zinsen<\/span><\/div><\/div><\/div><a class=\"x-image e3931-e8 m317-g\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-1822-girokonto\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/wp-content\/uploads\/2025\/08\/SZ_1822_direkt.jpg\" width=\"175\" height=\"125\" alt=\"Santander\" loading=\"lazy\"><\/a><div class=\"x-text x-text-headline e3931-e9 m317-h m317-i m317-j m317-k\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><strong>1822direkt<\/strong><\/p>\n<\/div><\/div><\/div>\n<span class=\"x-rating e3931-e10 m317-n\">\n\n  <span class=\"x-rating-graphic\" role=\"img\" aria-label=\"3.55 \/ 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      3.55 \/ 5    <\/span>\n  \n  \n<\/span>\n<div class=\"x-text x-text-headline has-graphic e3931-e11 m317-h m317-j m317-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\/girokonto-vergleich\/1822direkt-girokonto\/\">1822direkt Girokonto im Test<\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"x-col e3931-e12 m317-a m317-c\"><div class=\"x-grid x-container max width e3931-e13 m317-o\"><div class=\"x-cell e3931-e14 m317-p m317-q\"><div class=\"x-text x-text-headline e3931-e15 m317-h m317-k m317-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 e3931-e16 m317-s m317-t m317-u\"><p style=\"text-align: center;\">0 \u20ac wenn min. 700\u20ac Geldeingang oder unter 30 Jahre, sonst 4,90\u20ac<\/p><\/div><\/div><div class=\"x-cell e3931-e17 m317-p m317-r\"><div class=\"x-text x-text-headline e3931-e18 m317-h m317-k m317-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Art des Gemeinschaftskontos<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3931-e19 m317-s m317-t\"><p style=\"text-align: center;\">2 Kontoinhabern, die sich Guthaben und Haftung teilen<\/p><\/div><\/div><div class=\"x-cell e3931-e20 m317-p m317-r\"><div class=\"x-text x-text-headline e3931-e21 m317-h m317-k m317-m\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><p class=\"x-text-content-text-primary\"><p style=\"text-align: center;\">Debitkarte<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3931-e22 m317-s m317-t\"><p style=\"text-align: center;\">Keine<\/p><\/div><\/div><div class=\"x-cell e3931-e23 m317-p m317-r\"><div class=\"x-text x-text-headline e3931-e24 m317-h m317-k m317-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 Geldautomaten<\/p><\/p>\n<\/div><\/div><\/div><div class=\"x-text x-content e3931-e25 m317-s m317-t\"><p style=\"text-align: center;\">22.000<\/p><\/div><\/div><\/div><div class=\"x-acc e3931-e26 m317-w\" id=\"x-acc-e3931-e26\"><div class=\"e3931-e27 x-acc-item\"><p id=\"tab-e3931-e27\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3931-e27\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3931-e27\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-text\">\u2192 Produktdetails<\/span><\/span><\/p><div id=\"panel-e3931-e27\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3931-e27\" data-x-toggleable=\"e3931-e27\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3931-e28 m317-s m317-v\"><p class=\"p1\"><div id=\"footable_parent_2509\"\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=\"2509\" data-filter-delay=\"1000\" aria-label=\"1822direkt Girokonto Geb\u00fchren Toplist\"            id=\"footable_2509\"\n           data-unique_identifier=\"ninja_table_unique_id_2100295214_2509\"\n           class=\" foo-table ninja_footable foo_table_2509 ninja_table_unique_id_2100295214_2509 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=\"1470\" class=\"ninja_table_row_0 nt_row_id_1470\">\n            <td><strong>Kontof\u00fchrungsgeb\u00fchr pro Monat<\/strong><\/td><td>0 \u20ac wenn min. 700\u20ac Geldeingang oder Kontoinhaber unter 30 Jahre, sonst 4,90\u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1475\" class=\"ninja_table_row_1 nt_row_id_1475\">\n            <td><strong>Girocard<\/strong><\/td><td>0 \u20ac<\/td>        <\/tr>\n            <tr data-row_id=\"1473\" class=\"ninja_table_row_2 nt_row_id_1473\">\n            <td><strong>Debitkarte<\/strong><\/td><td>Keine<\/td>        <\/tr>\n            <tr data-row_id=\"1477\" class=\"ninja_table_row_3 nt_row_id_1477\">\n            <td><strong>Kreditkarte<\/strong><\/td><td>3 \u20ac p.M.<\/td>        <\/tr>\n            <tr data-row_id=\"1471\" class=\"ninja_table_row_4 nt_row_id_1471\">\n            <td><strong>Bargeld in Euro \/ Fremdw\u00e4hrung<\/strong><\/td><td>Euro: 1% (min. 6\u20ac) \/ Fremdw\u00e4hrung: 1% (min. 6\u20ac) + 1,75% (mind. 1,50\u20ac)<\/td>        <\/tr>\n            <tr data-row_id=\"1472\" class=\"ninja_table_row_5 nt_row_id_1472\">\n            <td><strong>Geld einzahlen<\/strong><\/td><td>Nur bei der Frankfurter Sparkasse (kostenlos) m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"1478\" class=\"ninja_table_row_6 nt_row_id_1478\">\n            <td><strong>Dispozins<\/strong><\/td><td>9,65%<\/td>        <\/tr>\n            <tr data-row_id=\"1474\" class=\"ninja_table_row_7 nt_row_id_1474\">\n            <td><strong>Mobile Payment<\/strong><\/td><td>Apple Pay & Google Pay<\/td>        <\/tr>\n            <tr data-row_id=\"1476\" class=\"ninja_table_row_8 nt_row_id_1476\">\n            <td><strong>Extras<\/strong><\/td><td>Kontowechsel-Service, kostenloses Depot & kostenloses Tagesgeldkonto<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"x-row e3931-e29 m317-1 m317-3 m317-5 m317-6 m317-9\"><div class=\"x-row-inner\"><div class=\"x-col e3931-e30 m317-a m317-c\"><a class=\"x-anchor x-anchor-button e3931-e31 m317-d m317-f\" tabindex=\"0\" href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/zu-1822-girokonto\" 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=\"definition\" class=\"x-text x-text-headline e3702-e26 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Was ist ein Gemeinschaftskonto?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e27 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a\"><p>Ein Gemeinschaftskonto ist ein <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-vergleich\/\">Girokonto<\/a>, das von mindestens zwei Personen gemeinsam gef\u00fchrt wird. Alle Kontoinhaberinnen und Kontoinhaber haben grunds\u00e4tzlich Zugriff auf das Guthaben und k\u00f6nnen \u00dcberweisungen t\u00e4tigen, Lastschriften veranlassen oder Bargeld abheben, abh\u00e4ngig von der vereinbarten Kontovariante.<\/p>\n<p>Im Unterschied zum Einzelkonto, das nur einer Person geh\u00f6rt, wird das Gemeinschaftskonto gemeinsam genutzt und verwaltet. Einnahmen und Ausgaben laufen zentral zusammen, was die Organisation gemeinsamer Finanzen erleichtert. Gleichzeitig tragen alle Beteiligten Verantwortung f\u00fcr das <a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/\">Konto<\/a>, insbesondere bei \u00dcberziehungen oder offenen Forderungen.<\/p><\/div><div id=\"funktion\" class=\"x-text x-text-headline e3702-e28 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie funktioniert unser Gemeinschaftskonto Vergleich?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e29 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-29 m2uu-2a m2uu-2f\"><p>Mit unserem Vergleich finden Sie schnell das passende Girokonto. Alle Konditionen werden klar strukturiert dargestellt, die Reihenfolge der Angebote richtet sich nach unserer Gesamtbewertung. So erkennen Sie auf einen Blick:<\/p>\n\n<ul>\n \t<li><strong>Gesamtbewertung<\/strong> des jeweiligen Kontos<\/li>\n \t<li><strong>Kontof\u00fchrungsgeb\u00fchr<\/strong> pro Monat<\/li>\n \t<li><strong>verf\u00fcgbare Bankkarten<\/strong> (Girocard, Debit-Kreditkarte, Kreditkarte) und deren Preise<\/li>\n \t<li><strong>Dispozins<\/strong> (Sollzins bei Konto\u00fcberziehung)<\/li>\n \t<li><strong>Bargeldverf\u00fcgbarkeit<\/strong> im In- und Ausland<\/li>\n \t<li><strong>Mobile Payment<\/strong> (z. B. Apple Pay\/Google Pay)<\/li>\n \t<li><strong>Extras<\/strong> wie Pr\u00e4mien, Cashback oder Kontowechsel-Service<\/li>\n<\/ul>\n<p>Haben Sie sich entschieden, f\u00fchrt der Button \u201eZum Anbieter\u201c direkt zur Bank. Dort stellen Sie den Antrag, die Kontoer\u00f6ffnung ist in der Regel schnell erledigt.<\/p><\/div><div class=\"x-text x-text-headline e3702-e30 m2uu-1k m2uu-1m m2uu-1n m2uu-1o m2uu-1q m2uu-1t m2uu-1v\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h3 class=\"x-text-content-text-primary\">So haben wir bewertet<\/h3>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e31 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a\"><p>F\u00fcr maximale Nachvollziehbarkeit nutzen wir ein klares Kriterienmodell. Die Gewichtung in der Gesamtbewertung:<\/p>\n\n<ul>\n \t<li><strong>Jahres-\/Kontof\u00fchrungsgeb\u00fchren:<\/strong> 50 %, laufende Kosten sind oft der gr\u00f6\u00dfte Hebel.<\/li>\n \t<li><strong>Dispozins:<\/strong> 15 %, je niedriger, desto g\u00fcnstiger wird Ihr kurzfristiger Spielraum.<\/li>\n \t<li><strong>Service:<\/strong> 15 %, Erreichbarkeit, Beratung sowie Qualit\u00e4t der Apps und des Onlinebankings.<\/li>\n \t<li><strong>Bargeldverf\u00fcgbarkeit:<\/strong> 20 %, kostenlose Abhebungen im Inland und Ausland.<\/li>\n<\/ul>\n<p>Alle gelisteten Banken sind regulierte Institute mit Sitz in der EU oder dem EWR und unterliegen den gesetzlichen Vorgaben zum Verbraucherschutz und zur Einlagensicherung. So ist Ihr Guthaben im Rahmen der gesetzlichen Sicherung gesch\u00fctzt.<\/p><\/div><div class=\"x-acc e3702-e32 m2uu-2v m2uu-2w m2uu-2z m2uu-30\" id=\"x-acc-e3702-e32\"><div class=\"e3702-e33 x-acc-item\"><button id=\"tab-e3702-e33\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3702-e33\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3702-e33\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\">&#x25b8;<\/span><span class=\"x-acc-header-text\">Zusammenfassung aller Gemeinschaftskonten<\/span><\/span><\/button><div id=\"panel-e3702-e33\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3702-e33\" data-x-toggleable=\"e3702-e33\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3702-e34 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-20 m2uu-21 m2uu-22 m2uu-25\"><div id=\"footable_parent_1074\"\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_10\" data-footable_id=\"1074\" data-filter-delay=\"1000\" aria-label=\"Girokonto Vergleich Methodik\"            id=\"footable_1074\"\n           data-unique_identifier=\"ninja_table_unique_id_1370321208_1074\"\n           class=\" foo-table ninja_footable foo_table_1074 ninja_table_unique_id_1370321208_1074 ui table  ninja_search_right nt_type_legacy_table selectable striped vertical_centered  footable-paging-right ninja_table_search_disabled ninja_table_pro\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                            <col class=\"ninja_column_4 \">\n                            <col class=\"ninja_column_5 \">\n                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_anbieter \">Anbieter<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_zinssatz_70 \">Jahresgeb\u00fchren (50%)<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_sicherheit_20 \">Dispozins (20%)<\/th><th scope=\"col\"  class=\"ninja_column_3 ninja_clmn_nm_anlagebetrag_10 \">Bargeld (15%)<\/th><th scope=\"col\"  class=\"ninja_column_4 ninja_clmn_nm_service_15 \">Service (15%)<\/th><th scope=\"col\"  class=\"ninja_column_5 ninja_clmn_nm_gesamtbewertung \">Gesamtbewertung<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"81\" class=\"ninja_table_row_0 nt_row_id_81\">\n            <td>C24 Smart<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td>        <\/tr>\n            <tr data-row_id=\"1723\" class=\"ninja_table_row_1 nt_row_id_1723\">\n            <td>Norisbank<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>5<\/td>        <\/tr>\n            <tr data-row_id=\"1728\" class=\"ninja_table_row_2 nt_row_id_1728\">\n            <td>comdirect<\/td><td>5<\/td><td>5<\/td><td>4<\/td><td>5<\/td><td>4.85<\/td>        <\/tr>\n            <tr data-row_id=\"236\" class=\"ninja_table_row_3 nt_row_id_236\">\n            <td>Consorsbank<\/td><td>5<\/td><td>4<\/td><td>5<\/td><td>5<\/td><td>4.80<\/td>        <\/tr>\n            <tr data-row_id=\"78\" class=\"ninja_table_row_4 nt_row_id_78\">\n            <td>Santander<\/td><td>5<\/td><td>4<\/td><td>5<\/td><td>5<\/td><td>4.80<\/td>        <\/tr>\n            <tr data-row_id=\"85\" class=\"ninja_table_row_5 nt_row_id_85\">\n            <td>BBVA<\/td><td>5<\/td><td>4<\/td><td>5<\/td><td>5<\/td><td>4.80<\/td>        <\/tr>\n            <tr data-row_id=\"80\" class=\"ninja_table_row_6 nt_row_id_80\">\n            <td>Targobank<\/td><td>5<\/td><td>5<\/td><td>3<\/td><td>5<\/td><td>4.70<\/td>        <\/tr>\n            <tr data-row_id=\"262\" class=\"ninja_table_row_7 nt_row_id_262\">\n            <td>bunq Free<\/td><td>5<\/td><td>3<\/td><td>3<\/td><td>5<\/td><td>4.30<\/td>        <\/tr>\n            <tr data-row_id=\"1722\" class=\"ninja_table_row_8 nt_row_id_1722\">\n            <td>Tomorrow Now<\/td><td>4<\/td><td>4<\/td><td>4<\/td><td>5<\/td><td>4.15<\/td>        <\/tr>\n            <tr data-row_id=\"83\" class=\"ninja_table_row_9 nt_row_id_83\">\n            <td>1822 direkt<\/td><td>4<\/td><td>4<\/td><td>3<\/td><td>5<\/td><td>4.0<\/td>        <\/tr>\n            <tr data-row_id=\"1721\" class=\"ninja_table_row_10 nt_row_id_1721\">\n            <td>C24 Max<\/td><td>3<\/td><td>5<\/td><td>5<\/td><td>5<\/td><td>4.0<\/td>        <\/tr>\n            <tr data-row_id=\"3282\" class=\"ninja_table_row_11 nt_row_id_3282\">\n            <td>bunq Core<\/td><td>4<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>3.95<\/td>        <\/tr>\n            <tr data-row_id=\"82\" class=\"ninja_table_row_12 nt_row_id_82\">\n            <td>Berliner Volksbank<\/td><td>4<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>3.95<\/td>        <\/tr>\n            <tr data-row_id=\"1720\" class=\"ninja_table_row_13 nt_row_id_1720\">\n            <td>bunq Pro<\/td><td>4<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>3.95<\/td>        <\/tr>\n            <tr data-row_id=\"233\" class=\"ninja_table_row_14 nt_row_id_233\">\n            <td>Commerzbank<\/td><td>4<\/td><td>3<\/td><td>3<\/td><td>5<\/td><td>3.80<\/td>        <\/tr>\n            <tr data-row_id=\"1724\" class=\"ninja_table_row_15 nt_row_id_1724\">\n            <td>C24 Plus<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>5<\/td><td>3.80<\/td>        <\/tr>\n            <tr data-row_id=\"1719\" class=\"ninja_table_row_16 nt_row_id_1719\">\n            <td>Tomorrow Change<\/td><td>3<\/td><td>4<\/td><td>4<\/td><td>5<\/td><td>3.65<\/td>        <\/tr>\n            <tr data-row_id=\"1726\" class=\"ninja_table_row_17 nt_row_id_1726\">\n            <td>Deutsche Bank<\/td><td>3<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>3.45<\/td>        <\/tr>\n            <tr data-row_id=\"1725\" class=\"ninja_table_row_18 nt_row_id_1725\">\n            <td>bunq Elite<\/td><td>2<\/td><td>3<\/td><td>4<\/td><td>5<\/td><td>2.95<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div id=\"arten\" class=\"x-text x-text-headline e3702-e35 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Welche Arten von Gemeinschaftskonten gibt es?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e36 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a\"><p>Banken unterscheiden vor allem zwischen zwei Formen des Gemeinschaftskontos, die sich in der Verf\u00fcgungsberechtigung deutlich unterscheiden.<\/p>\n<p><div id=\"footable_parent_3710\"\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_11\" data-footable_id=\"3710\" data-filter-delay=\"1000\" aria-label=\"Gemeinschaftskonto Arten\"            id=\"footable_3710\"\n           data-unique_identifier=\"ninja_table_unique_id_2130836127_3710\"\n           class=\" foo-table ninja_footable foo_table_3710 ninja_table_unique_id_2130836127_3710 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                    <\/colgroup>\n        <thead>\n<tr class=\"footable-header\">\n                                                        <th scope=\"col\"  class=\"ninja_column_0 ninja_clmn_nm_merkmal \">Merkmal<\/th><th scope=\"col\"  class=\"ninja_column_1 ninja_clmn_nm_oder_konto \">Oder-Konto<\/th><th scope=\"col\"  class=\"ninja_column_2 ninja_clmn_nm_und_konto \">Und-Konto<\/th><\/tr>\n<\/thead>\n<tbody>\n\n        <tr data-row_id=\"2874\" class=\"ninja_table_row_0 nt_row_id_2874\">\n            <td>Verf\u00fcgungsberechtigung<\/td><td>Jede Person kann allein \u00fcber das Konto verf\u00fcgen<\/td><td>Verf\u00fcgungen nur gemeinsam m\u00f6glich<\/td>        <\/tr>\n            <tr data-row_id=\"2875\" class=\"ninja_table_row_1 nt_row_id_2875\">\n            <td>Alltagstauglichkeit<\/td><td>Hoch, da flexibel nutzbar<\/td><td>Eingeschr\u00e4nkt<\/td>        <\/tr>\n            <tr data-row_id=\"2876\" class=\"ninja_table_row_2 nt_row_id_2876\">\n            <td>Typische Nutzung<\/td><td>Paare, Wohngemeinschaften<\/td><td>Erbengemeinschaften<\/td>        <\/tr>\n            <tr data-row_id=\"2877\" class=\"ninja_table_row_3 nt_row_id_2877\">\n            <td>Risiko<\/td><td>H\u00f6her, da Einzelverf\u00fcgungen m\u00f6glich sind<\/td><td>Geringer, da gegenseitige Kontrolle<\/td>        <\/tr>\n    <\/tbody><!--ninja_tobody_rendering_done-->\n    <\/table>\n    \n    \n    \n<\/div>\n<\/p>\n<p>In der Praxis ist das Oder-Konto deutlich verbreiteter, da es sich besser f\u00fcr laufende Ausgaben eignet. Das Und-Konto wird meist nur in besonderen Konstellationen gew\u00e4hlt, etwa wenn gr\u00f6\u00dfere Verm\u00f6genswerte verwaltet werden sollen.<\/p><\/div><div id=\"vorteile\" class=\"x-text x-text-headline e3702-e37 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Vorteile und Nachteile eines Gemeinschaftskontos<\/h2>\n<\/div><\/div><\/div><ul class=\"x-row e3702-e38 m2uu-8 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-h m2uu-l m2uu-m m2uu-11 m2uu-12 m2uu-6\"><div class=\"x-row-inner\"><li class=\"x-col e3702-e39 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e40 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e41 m2uu-35 m2uu-36 m2uu-37 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf055;\"><\/i><\/figure><div class=\"x-div e3702-e42 m2uu-33 m2uu-34 m2uu-7 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 e3702-e43 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>\u00dcbersicht \u00fcber gemeinsame Ausgaben:<\/strong> Alle laufenden Kosten wie Miete, Energie, Versicherungen oder Eink\u00e4ufe werden \u00fcber ein Konto abgewickelt. Dadurch entsteht ein klarer \u00dcberblick dar\u00fcber, wof\u00fcr Geld ausgegeben wird und wie hoch die gemeinsamen monatlichen Verpflichtungen sind.<\/div><\/div><\/li><li class=\"x-col e3702-e44 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e45 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e46 m2uu-35 m2uu-36 m2uu-37 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf055;\"><\/i><\/figure><div class=\"x-div e3702-e47 m2uu-33 m2uu-34 m2uu-7 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 e3702-e48 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Vereinfachte Organisation im Alltag:<\/strong> Dauerauftr\u00e4ge, Lastschriften und wiederkehrende Zahlungen m\u00fcssen nur einmal eingerichtet werden. Das reduziert Abstimmungsaufwand und verhindert, dass Rechnungen vergessen oder doppelt bezahlt werden.<\/div><\/div><\/li><li class=\"x-col e3702-e49 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e50 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e51 m2uu-35 m2uu-36 m2uu-37 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf055;\"><\/i><\/figure><div class=\"x-div e3702-e52 m2uu-33 m2uu-34 m2uu-7 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 e3702-e53 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Transparenz f\u00fcr alle Beteiligten:<\/strong> Alle Kontoinhaberinnen und Kontoinhaber k\u00f6nnen die Kontobewegungen einsehen. Das schafft Nachvollziehbarkeit und kann helfen, Missverst\u00e4ndnisse \u00fcber Ausgaben oder Beitr\u00e4ge zum Haushalt zu vermeiden.<\/div><\/div><\/li><li class=\"x-col e3702-e54 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e55 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e56 m2uu-35 m2uu-36 m2uu-37 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf055;\"><\/i><\/figure><div class=\"x-div e3702-e57 m2uu-33 m2uu-34 m2uu-7 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 e3702-e58 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Gerechte Kostenverteilung:<\/strong> Durch regelm\u00e4\u00dfige Einzahlungen auf das Gemeinschaftskonto lassen sich gemeinsame Kosten fair aufteilen. Besonders bei Paaren oder Wohngemeinschaften sorgt das f\u00fcr klare Verh\u00e4ltnisse.<\/div><\/div><\/li><li class=\"x-col e3702-e59 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e60 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e61 m2uu-35 m2uu-36 m2uu-38 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf056;\"><\/i><\/figure><div class=\"x-div e3702-e62 m2uu-33 m2uu-34 m2uu-7 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 e3702-e63 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Gesamtschuldnerische Haftung:<\/strong> Alle Kontoinhaberinnen und Kontoinhaber haften gemeinsam f\u00fcr das Konto. Ger\u00e4t es ins Minus, kann die Bank jede einzelne Person f\u00fcr den gesamten Betrag in Anspruch nehmen, unabh\u00e4ngig davon, wer die Ausgaben verursacht hat.<\/div><\/div><\/li><li class=\"x-col e3702-e64 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e65 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e66 m2uu-35 m2uu-36 m2uu-38 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf056;\"><\/i><\/figure><div class=\"x-div e3702-e67 m2uu-33 m2uu-34 m2uu-7 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 e3702-e68 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Hoher Vertrauensbedarf:<\/strong> Insbesondere beim Oder-Konto kann jede Person allein \u00fcber das Guthaben verf\u00fcgen. Das setzt ein stabiles Vertrauensverh\u00e4ltnis voraus, da theoretisch auch gr\u00f6\u00dfere Betr\u00e4ge ohne Zustimmung der anderen abgehoben werden k\u00f6nnen.<\/div><\/div><\/li><li class=\"x-col e3702-e69 m2uu-1a m2uu-1b m2uu-1c m2uu-1d m2uu-6\"><figure class=\"x-div e3702-e70 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e71 m2uu-35 m2uu-36 m2uu-38 m2uu-6\" aria-hidden=\"true\" data-x-icon-s=\"&#xf056;\"><\/i><\/figure><div class=\"x-div e3702-e72 m2uu-33 m2uu-34 m2uu-7 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 e3702-e73 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-21 m2uu-2a m2uu-2d m2uu-2g m2uu-6\"><strong>Eingeschr\u00e4nkte Privatsph\u00e4re:<\/strong> Da alle Buchungen sichtbar sind, gibt es keine finanzielle Privatsph\u00e4re innerhalb des Kontos. F\u00fcr manche Personen kann das als unangenehm empfunden werden.<\/div><\/div><\/li><\/div><\/ul><div id=\"kosten\" class=\"x-text x-text-headline e3702-e74 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Welche Kosten k\u00f6nnen entstehen?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e75 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a\"><p>Ein Gemeinschaftskonto kann die Organisation gemeinsamer Finanzen erleichtern, ist jedoch nicht automatisch kostenlos. Je nach Bank, Kontomodell und Nutzungsverhalten k\u00f6nnen unterschiedliche Kosten anfallen. Gerade im Vergleich zeigt sich, dass vermeintlich g\u00fcnstige Angebote durch Zusatzgeb\u00fchren teurer werden k\u00f6nnen. Deshalb lohnt es sich, die einzelnen Kostenpunkte genau zu pr\u00fcfen.<\/p>\n\n<ul>\n \t<li><strong>Kontof\u00fchrungsgeb\u00fchr:<\/strong> Viele Banken erheben eine monatliche Geb\u00fchr f\u00fcr die Kontof\u00fchrung. Diese ist h\u00e4ufig an Bedingungen gekn\u00fcpft, etwa einen regelm\u00e4\u00dfigen Mindestgeldeingang oder eine bestimmte Anzahl an Kartenzahlungen. Werden diese Voraussetzungen nicht erf\u00fcllt, f\u00e4llt die Geb\u00fchr in voller H\u00f6he an.<\/li>\n \t<li><strong>Kosten f\u00fcr Karten:<\/strong> Bei Gemeinschaftskonten sind meist mehrere Debitkarten vorgesehen. W\u00e4hrend die erste Karte oft im Kontopreis enthalten ist, k\u00f6nnen f\u00fcr weitere Karten oder f\u00fcr eine zus\u00e4tzliche Girocard monatliche oder j\u00e4hrliche Geb\u00fchren entstehen.<\/li>\n \t<li><strong>Bargeldabhebungsgeb\u00fchren:<\/strong> Abhebungen an Geldautomaten au\u00dferhalb des eigenen Bankennetzes sind h\u00e4ufig kostenpflichtig. Besonders bei h\u00e4ufigen Barabhebungen oder bei Nutzung fremder Automaten k\u00f6nnen sich diese Geb\u00fchren summieren.<\/li>\n \t<li><strong>\u00dcberziehungszinsen:<\/strong> Wird das Konto \u00fcberzogen, berechnen Banken Zinsen f\u00fcr den einger\u00e4umten Dispositionskredit oder f\u00fcr eine geduldete \u00dcberziehung. Diese Zinss\u00e4tze sind in der Regel hoch und gelten unabh\u00e4ngig davon, welche Person die \u00dcberziehung verursacht hat.<\/li>\n \t<li><strong>Geb\u00fchren f\u00fcr beleghafte Buchungen:<\/strong> \u00dcberweisungen, Einzahlungen oder Dauerauftr\u00e4ge, die nicht online, sondern per Formular oder am Schalter beauftragt werden, k\u00f6nnen zus\u00e4tzliche Kosten verursachen. Digitale Buchungen sind meist g\u00fcnstiger oder kostenlos.<\/li>\n \t<li><strong>Kosten f\u00fcr Zusatzleistungen:<\/strong> Einige Banken berechnen Geb\u00fchren f\u00fcr optionale Leistungen wie Unterkonten, besondere Benachrichtigungsfunktionen, Ersatzkarten oder erweiterte Sicherheitsservices.<\/li>\n \t<li><strong>Geb\u00fchren bei \u00c4nderungen und Aufl\u00f6sung:<\/strong> \u00c4nderungen am Konto, etwa das Hinzuf\u00fcgen weiterer Kontoinhaberinnen oder Kontoinhaber, k\u00f6nnen kostenpflichtig sein. Auch im Zusammenhang mit der Kontoaufl\u00f6sung k\u00f6nnen in Einzelf\u00e4llen Geb\u00fchren anfallen.<\/li>\n \t<li><strong>Fremdw\u00e4hrungs- und Auslandskosten:<\/strong> Bei Kartenzahlungen oder Bargeldabhebungen im Ausland fallen h\u00e4ufig Fremdw\u00e4hrungsentgelte an. Diese unterscheiden sich je nach Bank deutlich und sind ein wichtiger Kostenfaktor f\u00fcr Personen, die regelm\u00e4\u00dfig reisen.<\/li>\n<\/ul><\/div><div id=\"prozess\" class=\"x-text x-text-headline e3702-e76 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">Wie er\u00f6ffne ich ein Gemeinschaftskonto?<\/h2>\n<\/div><\/div><\/div><div class=\"x-text x-content e3702-e77 m2uu-1x m2uu-1y m2uu-21 m2uu-22 m2uu-23 m2uu-26 m2uu-27 m2uu-28 m2uu-29 m2uu-2a\"><p>Die Er\u00f6ffnung eines Gemeinschaftskontos ist heute in der Regel unkompliziert, erfordert jedoch etwas Vorbereitung, da alle Beteiligten formal eingebunden werden m\u00fcssen. Je nach Bank erfolgt der gesamte Prozess digital oder teilweise in einer Filiale.<\/p>\n\n<ol>\n \t<li><strong>Passendes Kontomodell ausw\u00e4hlen:<\/strong> Zun\u00e4chst vergleichen Sie die Angebote verschiedener Banken und entscheiden sich f\u00fcr ein Gemeinschaftskonto, das zu Ihren Anforderungen passt. Dabei sollten Sie pr\u00fcfen, ob es sich um ein Oder-Konto oder ein Und-Konto handelt und welche Leistungen im Preis enthalten sind.<\/li>\n \t<li><strong>Gemeinsame Entscheidung \u00fcber die Kontoart:<\/strong> Vor der Antragstellung legen alle k\u00fcnftigen Kontoinhaberinnen und Kontoinhaber fest, wie das Konto gef\u00fchrt werden soll. Diese Entscheidung ist wichtig, da sie bestimmt, ob jede Person allein oder nur gemeinsam \u00fcber das Guthaben verf\u00fcgen kann.<\/li>\n \t<li><strong>Antrag stellen und Daten erfassen:<\/strong> Der Kontoantrag wird online oder in der Filiale gestellt. Alle beteiligten Personen geben ihre pers\u00f6nlichen Daten an und erkl\u00e4ren ihr Einverst\u00e4ndnis zur gemeinsamen Kontof\u00fchrung.<\/li>\n \t<li><strong>Identit\u00e4tspr\u00fcfung aller Kontoinhaberinnen und Kontoinhaber:<\/strong> Jede Person muss sich separat legitimieren, entweder per VideoIdent, PostIdent oder pers\u00f6nlich in der Filiale. Ohne vollst\u00e4ndige Legitimation aller Beteiligten kann das Konto nicht er\u00f6ffnet werden.<\/li>\n \t<li><strong>Pr\u00fcfung durch die Bank und Kontoer\u00f6ffnung:<\/strong> Nach Eingang aller Unterlagen pr\u00fcft die Bank den Antrag. Sobald die Pr\u00fcfung abgeschlossen ist, wird das Gemeinschaftskonto er\u00f6ffnet und im Onlinebanking freigeschaltet.<\/li>\n \t<li><strong>Erhalt von Karten und Zugangsdaten:<\/strong> Debitkarten, PINs und Onlinebanking-Zug\u00e4nge werden in der Regel getrennt an die einzelnen Kontoinhaberinnen und Kontoinhaber versendet. So wird sichergestellt, dass jede Person einen eigenen Zugang erh\u00e4lt.<\/li>\n \t<li><strong>Konto einrichten und nutzen:<\/strong> Abschlie\u00dfend richten Sie Dauerauftr\u00e4ge, Lastschriften und gegebenenfalls Unterkonten ein. Ab diesem Zeitpunkt kann das Gemeinschaftskonto f\u00fcr alle gemeinsamen Ausgaben genutzt werden.<\/li>\n<\/ol><\/div><div id=\"faq\" class=\"x-text x-text-headline e3702-e78 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><div class=\"x-text-content\"><div class=\"x-text-content-text\"><h2 class=\"x-text-content-text-primary\">H\u00e4ufig gestellte Fragen zu Gemeinschaftskonten<\/h2>\n<\/div><\/div><\/div><div class=\"x-acc e3702-e79 m2uu-2v m2uu-2y m2uu-30 m2uu-31\" id=\"x-acc-e3702-e79\"><\/div><div class=\"x-acc e3702-e80 m2uu-2v m2uu-2y m2uu-30 m2uu-31\" id=\"x-acc-e3702-e80\"><div class=\"e3702-e81 x-acc-item\"><button id=\"tab-e3702-e81\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3702-e81\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3702-e81\"><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>K\u00f6nnen mehr als zwei Personen ein Konto f\u00fchren?\n<\/strong><\/span><\/span><\/button><div id=\"panel-e3702-e81\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3702-e81\" data-x-toggleable=\"e3702-e81\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3702-e82 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-20 m2uu-21 m2uu-22 m2uu-25\">Ja, viele Banken erlauben Gemeinschaftskonten mit mehr als zwei Personen, insbesondere bei Wohngemeinschaften oder Familien. Die genauen Bedingungen variieren je nach Anbieter.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3702-e83 m2uu-2v m2uu-2y m2uu-30 m2uu-31\" id=\"x-acc-e3702-e83\"><div class=\"e3702-e84 x-acc-item\"><button id=\"tab-e3702-e84\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3702-e84\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3702-e84\"><span class=\"x-acc-header-content\"><span class=\"x-acc-header-indicator\"><i class=\"x-icon\" aria-hidden=\"true\" data-x-icon-s=\"&#xe14b;\"><\/i><\/span><span class=\"x-acc-header-text\"><strong>Ist ein Gemeinschaftskonto jederzeit k\u00fcndbar?\n<\/strong><\/span><\/span><\/button><div id=\"panel-e3702-e84\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3702-e84\" data-x-toggleable=\"e3702-e84\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3702-e85 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-20 m2uu-21 m2uu-22 m2uu-25\">In der Regel kann ein Gemeinschaftskonto jederzeit gek\u00fcndigt werden. Meist m\u00fcssen alle Kontoinhaberinnen und Kontoinhaber der K\u00fcndigung zustimmen.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3702-e86 m2uu-2v m2uu-2y m2uu-30 m2uu-31\" id=\"x-acc-e3702-e86\"><div class=\"e3702-e87 x-acc-item\"><button id=\"tab-e3702-e87\" class=\"x-acc-header\" role=\"button\" type=\"button\" aria-expanded=\"false\" aria-controls=\"panel-e3702-e87\" data-x-toggle=\"collapse\" data-x-toggleable=\"e3702-e87\"><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>F\u00fcr wen lohnt sich ein Gemeinschaftskonto?<\/strong><\/span><\/span><\/button><div id=\"panel-e3702-e87\" role=\"tabpanel\" aria-hidden=\"true\" aria-labelledby=\"tab-e3702-e87\" data-x-toggleable=\"e3702-e87\" data-x-toggle-collapse=\"1\" class=\"x-collapsed\"><div class=\"x-acc-content\"><div class=\"x-text x-content e3702-e88 m2uu-1w m2uu-1x m2uu-1y m2uu-1z m2uu-20 m2uu-21 m2uu-22 m2uu-25\">Ein Gemeinschaftskonto lohnt sich f\u00fcr Personen, die regelm\u00e4\u00dfig gemeinsame Ausgaben haben und ihre Finanzen transparent und effizient organisieren m\u00f6chten.<\/div><\/div><\/div><\/div><\/div><div class=\"x-acc e3702-e89 m2uu-2v m2uu-2y m2uu-30 m2uu-31\" id=\"x-acc-e3702-e89\"><\/div><\/div><\/div><\/div><\/div><div class=\"x-section e3702-e90 m2uu-0 m2uu-2 m2uu-4\"><div class=\"x-row e3702-e91 m2uu-8 m2uu-9 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-f m2uu-v m2uu-13\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e92 m2uu-1a\"><div class=\"x-row x-container max width e3702-e93 m2uu-8 m2uu-9 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-j m2uu-n m2uu-x m2uu-14\"><div class=\"x-row-inner\"><div class=\"x-col e3702-e94 m2uu-1a\"><div id=\"faq\" class=\"x-text x-text-headline e3702-e95 m2uu-1k m2uu-1m m2uu-1o m2uu-1q m2uu-1r m2uu-1t m2uu-1u\"><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 e3702-e96 m2uu-8 m2uu-a m2uu-b m2uu-c m2uu-d m2uu-e m2uu-m m2uu-o m2uu-11 m2uu-15\"><div class=\"x-row-inner\"><li class=\"x-col e3702-e97 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e98 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e99 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e100 m2uu-33 m2uu-34 m2uu-7 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 e3702-e101 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-vergleich\/\">Girokonto Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e102 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e103 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e104 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e105 m2uu-33 m2uu-34 m2uu-7 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 e3702-e106 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-gebuehren\/\">Girokonto ohne Geb\u00fchren<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e107 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e108 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e109 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e110 m2uu-33 m2uu-34 m2uu-7 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 e3702-e111 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kostenloses-girokonto-ohne-mindesteingang\/\">Kostenloses Girokonto ohne Mindesteingang<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e112 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e113 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e114 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e115 m2uu-33 m2uu-34 m2uu-7 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 e3702-e116 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-kreditkarte\/\">Girokonto mit Kreditkarte<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e117 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e118 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e119 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e120 m2uu-33 m2uu-34 m2uu-7 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 e3702-e121 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-fuer-studenten\/\">Girokonto f\u00fcr Studenten<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e122 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e123 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e124 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e125 m2uu-33 m2uu-34 m2uu-7 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 e3702-e126 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-ohne-schufa\/\">Girokonto ohne Schufa<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e127 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e128 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e129 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e130 m2uu-33 m2uu-34 m2uu-7 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 e3702-e131 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-unterkonten\/\">Girokonto mit Unterkonten<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e132 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e133 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e134 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e135 m2uu-33 m2uu-34 m2uu-7 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 e3702-e136 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/schuelerkonto\/\">Sch\u00fclerkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e137 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e138 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e139 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e140 m2uu-33 m2uu-34 m2uu-7 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 e3702-e141 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/kinderkonto-vergleich\/\">Kinderkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e142 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e143 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e144 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e145 m2uu-33 m2uu-34 m2uu-7 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 e3702-e146 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/sparkonto-vergleich\/\">Sparkonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e147 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e148 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e149 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e150 m2uu-33 m2uu-34 m2uu-7 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 e3702-e151 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/tagesgeld-vergleich\/\">Tagesgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e152 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e153 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e154 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e155 m2uu-33 m2uu-34 m2uu-7 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 e3702-e156 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/festgeld-vergleich\/\">Festgeld Vergleich<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e157 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e158 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e159 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e160 m2uu-33 m2uu-34 m2uu-7 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 e3702-e161 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmentagesgeld\/\">Firmentagesgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e162 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e163 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e164 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e165 m2uu-33 m2uu-34 m2uu-7 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 e3702-e166 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/\">Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e167 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e168 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e169 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e170 m2uu-33 m2uu-34 m2uu-7 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 e3702-e171 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geschaeftskonto\/kostenloses-geschaeftskonto\/\">Kostenloses Gesch\u00e4ftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e172 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e173 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e174 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e175 m2uu-33 m2uu-34 m2uu-7 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 e3702-e176 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><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 e3702-e177 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e178 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e179 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e180 m2uu-33 m2uu-34 m2uu-7 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 e3702-e181 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><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 e3702-e182 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e183 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e184 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e185 m2uu-33 m2uu-34 m2uu-7 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 e3702-e186 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><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 e3702-e187 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e188 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e189 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e190 m2uu-33 m2uu-34 m2uu-7 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 e3702-e191 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/firmenfestgeld\/\">Firmenfestgeld<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e192 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e193 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e194 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e195 m2uu-33 m2uu-34 m2uu-7 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 e3702-e196 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/gemeinschaftskonto\/\">Gemeinschaftskonto<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e197 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e198 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e199 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e200 m2uu-33 m2uu-34 m2uu-7 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 e3702-e201 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/geldanlage-fuer-unternehmen\/\">Geldanlage f\u00fcr Unternehmen<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e202 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e203 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e204 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e205 m2uu-33 m2uu-34 m2uu-7 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 e3702-e206 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a href=\"https:\/\/www.sueddeutsche.de\/finanzvergleich\/konto\/girokonto-mit-zinsen\/\">Girokonto mit Zinsen<\/a><\/div><\/div><\/li><li class=\"x-col e3702-e207 m2uu-1a m2uu-1b m2uu-1c m2uu-1d\"><figure class=\"x-div e3702-e208 m2uu-32 m2uu-33\"><i class=\"x-icon e3702-e209 m2uu-35 m2uu-39\" aria-hidden=\"true\" data-x-icon-s=\"&#xf14c;\"><\/i><\/figure><div class=\"x-div e3702-e210 m2uu-33 m2uu-34 m2uu-7 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 e3702-e211 m2uu-1w m2uu-1x m2uu-1y m2uu-29 m2uu-2g m2uu-2h\"><a 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Neben klassischen Filialbanken setzen vor allem Direktbanken auf g\u00fcnstige Konditionen, digitale Prozesse und zus\u00e4tzliche Funktionen wie Unterkonten oder gemeinsame Budget\u00fcbersichten. Ein sorgf\u00e4ltiger Vergleich hilft dabei, ein Konto zu finden, das sowohl zu den &#8230; <\/p>\n<div><a href=\"https:\/\/sueddeutsche.grc-media.com\/finanzvergleich\/konto\/gemeinschaftskonto\/\" class=\"more-link\">Read More<\/a><\/div>\n","protected":false},"author":2,"featured_media":0,"parent":243,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank-4.php","meta":{"footnotes":""},"class_list":["post-3702","page","type-page","status-publish","hentry","no-post-thumbnail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Gemeinschaftskonto Vergleich Juni 2026 - Top-Konten im Test<\/title>\n<meta name=\"description\" content=\"Finde mit unserem Gemeinschaftskonto Vergleich schnell &amp; einfach das beste Konto f\u00fcr Ihre Beziehung, WG oder Freundeskreis!\" \/>\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\/gemeinschaftskonto\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Gemeinschaftskonto Vergleich Juni 2026 - 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