Girokonto mit kostenloser Girocard (ec-Karte)

Intro Many banks have abolished the free GiroCard. They either don't spend them anymore, or charge a monthly or annual fee for them. Even if the Girocard is no longer quite up to date, the Mastercard and Visa debit cards that are now standard cannot yet replace it in all situations. In this video we show you in which 3 cases the giro card is still necessary. We will then introduce you to 3 accounts that can be managed without an account management fee and still contain a free Girocard. At the end we will tell you which of the featured accounts is the best and how you can add it for free to get even better use of it. So stay tuned to the end. Hello and welcome to Geldrat! If you like the video, we would be very happy if you gave us a like. Gründe für die Girocard 3 reasons for the Girocard Even if the Girocard is a German system and is not suitable for online use , it can still be important. 1. Probably the most important reason: Some retailers, cafés, restaurants, bakeries and service providers still do not accept Visa and Mastercard cards for cashless payment, only giro cards. 2. If you want to deposit cash at an ATM or 3. If you prefer to use ChipTan for online banking than push TAN, photo TAN or SMS TAN. The following checking accounts still offer you a free checking card. As always, you can find links to all offers below the video. Let's start! 1. Konto 1 The C24 Smart Account The C24 account comes without an account management fee and without any conditions. Not only is account management free of charge, you also receive attractive interest on the balance in your checking account. At the time of the video, it is 2% pa How high it is when you watch the video, you can see under the link under the video. You will receive a free Mastercard debit card with your account. If you keep the account active, which means here that you have 2 direct debits drawn from the account per month, you can order a Girocard without any fees. Withdrawing money with the Mastercard is free of charge 4 times a month in Germany and countries with the euro as their currency if you actively manage the account with 2 monthly direct debits. Outside the Eurozone, a foreign currency fee of 1.75% will be charged. This also applies to card payments in currencies other than the euro. Later in the video, we show you an account-independent, fee-free card that you can use to add to this account, but also to all other accounts, and that allows free money withdrawals and card payments worldwide. Depositing cash is possible in the branches of the Reisebank as well as in various supermarkets and retail stores such as Penny, Real, Rossmann, dm, Penny and others. At the Reisebank, up to 5,000 euros, fees of 7.50 euros are charged, for amounts in excess of this there is a flat rate of 15 euros. In partner shops, the fee is 1.75% of the deposit amount. You can use Apple Pay and Google Pay for mobile payments. Konto 2 2. The HypoVereinsBank Pluskonto The HVB Pluskonto comes free of charge without any conditions, but the unconditionally free account management is limited to 2 years. EUR 9.90 per month is then charged, which can be reduced by using other HVB products. The account initially comes with a free Visa debit card. After opening an account, you can easily order a Girocard and, if you wish, a Mastercard credit card in online banking. Both free of charge. With the HVB giro card, you can withdraw cash free of charge from all CashGroup ATMs in Germany . These are the ATMs of Deutsche Bank, Postbank, Hypovereinsbank and Commerzbank . In addition, free cash withdrawals are possible at UniCredit banks in the following countries . Austria Bosnia-Herzegovina Bulgaria Italy Croatia Romania Russia Serbia Slovakia Slovenia Czech Republic Turkey and Hungary Card payments are free within Germany and the euro zone. Foreign exchange fees apply in currencies other than the euro. With the Girocard this is 1% for a minimum of 1.50 euros and a maximum of 5.50 euros, with the Visa card 1.75%. Cash deposits are free with the HypoVereinsBank account. You can use both the machines and the counters for this. Mobile payment with the smartphone is possible with Apple Pay, Google Pay is currently not supported. Konto 3 3. The norisbank account Although this account is not absolutely free, you only need a minimum monthly deposit of 500 euros to be exempt from the account management fee. If you don't have it, a monthly fee of EUR 3.90 will be charged. With the account you will receive a free Girocard. If you wish, you can also order a Mastercard credit card without a fee or a Mastercard debit card for 24 euros per year. The debit card is also free for the first year. In Germany, withdrawing money with the Girocard is free of charge at all CashGroup ATMs. These include Deutsche Bank, Commerzbank, Postbank and Hypovereinsbank. In addition, you can withdraw cash free of charge at Shell petrol stations and in supermarkets such as Netto, Rewe, Lidl, Penny, Aldi Süd and also in retail stores such as dm. Sometimes a minimum purchase is necessary. Outside of Germany, withdrawing money with the free Mastercard credit card is free of charge. Card payments are free in Germany and the euro zone. Outside the Eurozone, a foreign currency fee of 1.75% applies. You can deposit cash at Deutsche Bank ATMs free of charge and as often as you like. Mobile payment is currently only possible with Apple Pay. Welches Konto mit kostenloser Girocard ist das Beste? Which free Girocard account is the best? Our recommendation. In our opinion, the best current account with a free Girocard is the C24 account from Check24. There is no account management fee and so that you also receive the Girocard free of charge, only 2 direct debits are required per month. For example for your insurance, your mobile phone contract or similar. A special feature is the credit interest on the current account. No other German bank currently offers this. As a supplement, we also recommend the free Bank Norwegian Visa card. You can easily connect it to the C24 account and you are even more flexible with it. It allows you to withdraw cash free of charge in Germany and worldwide - as often as you like - and card payments are also free of charge worldwide. There are no foreign currency fees here. You will also receive a free travel insurance package that protects you and up to 3 fellow travelers if you have paid at least 50% of the trip with the card. We link all presented accounts as well as the Bank Norwegian card under the video. Still have questions about one of the accounts? Then just write us in the comments. We're happy to answer them. And if you liked the video, we would be very happy if you gave it a like. Thank you for watching and see you soon!