Homeowners fear rising interest rates on loans. An increase in the building loan interest rate of one percentage point, for example, can lead to significantly higher interest payments depending on the loan amount. This poses a challenge for many property owners who have not yet paid off their home loan: Follow-up financing could be more expensive than originally assumed.

type of card? (payment mode)

Partner card available? (Costs)

Tied to a checking account at the issuing bank? (With minimum cash receipt?)

Cash withdrawals in Germany free of charge?

Cash withdrawals in the euro area free of charge?

Cash withdrawals worldwide free of charge?

Fees for paying in foreign currencies?

Mobile payment with Apple Pay / Google Pay?

Cashback or bonus points program?

Other special conditions? (shopping, airport lounge access, etc.)

App for banking on the smartphone?

Insurance included? (Travel cancellation, international health insurance, comprehensive insurance)?

Debit (immediately debited from the giro)

Yes, but only with a change current account, which costs 7 euros a month

Yes, at least a Now current account for 3 euros per month (No)

No, 2 euros per withdrawal with a Now account

Every euro paid protects 1 m² of rainforest

Cash withdrawal not free of charge

Ecologically conscious people who withdraw little cash.

Charge (monthly debit)

Joint account only

Yes (no, but from 700 euros per month as an active customer better conditions)

Yes, withdrawals from 50 euros are possible

Paid packages that can be booked (topics: travel, internet or shopping. Costs from 2.90 to 8.90 euros)

Withdraw money worldwide free of charge

Frequent travelers who want automatic monthly billing.

Debit (immediately debited from the giro)

Joint account only

Yes (no, but from 700 euros per month as an active customer better conditions)

Yes, withdrawals from 50 euros are possible

Yes, 2.2 percent of sales (free for active customers)

Anyone who withdraws cash often.

Yes (only for physical card once 10 euros)

Debit (immediately debited from the giro)

No (only with Smart current account for 4.90 per month)

Up to 3 times a month free of charge, beyond that 2 euros per withdrawal

Yes, 1.7 percent of sales (sometimes free with paid Giros)

Only with the You current account for EUR 9.90 per month

Mastercard costs a one-time fee

Digital savvy who need little cash.

Charge (monthly debit)

Yes, 5000 Payback points

No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 750 euros in 7 days

Yes, 90 days right of return when shopping online

Variable monthly credit limit

Cash withdrawals are limited and subject to a charge

Everyone who needs the card for (online) shopping.

Charge (monthly debit)

Yes, 144 euros starting credit

No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 1500 euros in 7 days

Yes, 90 days right of return when shopping online

Yes, travel cancellation, international health and transport accident insurance

Extensive special conditions

Cash withdrawals are limited and subject to a charge

Frequent travelers who need comprehensive insurance coverage.

Charge (monthly debit)

Yes, up to 5 cards (free)

Yes, 250 euros starting credit

No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 1500 euros in 7 days

Yes, 200 euros travel credit per year, 2 Priority Passes for 1200 airport lounges, parking service, 200 euros Sixt Ride credit per year, 90 days right of return when shopping online

Yes, travel cancellation, international health and rental car insurance as well as legal costs insurance when traveling

Extensive insurance and special conditions

Rather expensive at the monthly price

Frequent travelers who actually use the inclusive credits.

Revolving (Partial payment preset with interest of 13.6 percent. Full repayment per month selectable.)

Yes, 30 euros for new customers (until 02/28/22)

Only for additional fees

Pay worldwide free of charge, without foreign currency fee

High interest rates possible for partial payments

Frequent travelers who pay their credit card bills in full each month.

Free in the first year, then 35 euros per year. Fee does not apply from 3000 euros annual turnover (without transactions at ATMs)

Revolving (Partial payment preset with interest of 13.6 percent. Full repayment per month selectable.)

Yes, 30 euros for new customers (until 02/28/22)

Yes, with the Hanseatic Bank voucher portal

Yes, international health, travel cancellation, luggage, smartphone and flight delay insurance

Many insurances included

High interest rates possible for partial payments

Frequent travelers who pay their credit card bills in full every month and need lots of insurance.

Debit (immediately debited from the giro)

Only with a joint account

Yes (free with a minimum deposit of 700 euros / securities savings plan / under 28 years / 3 mobile payments per month)

3 times a month free of charge, then EUR 4.90 per withdrawal

Bonus savings program for Giro (cashback is invested in ETF)

Only with a cash plus checking account for EUR 6.90 per month

Only with a current account and as additional packages that are subject to a fee

Giro only free of charge under certain conditions

Anyone who meets the conditions under which the giro is free.

Yes (1.90 euros per month)

Charge (monthly debit)

Only with a joint account

Yes (free with a minimum deposit of 700 euros / securities savings plan / under 28 years / 3 mobile payments per month)

No, 4.90 euros per withdrawal

Bonus savings program for Giro (cashback is invested in ETF)

Warranty extension by 12 months following the manufacturer’s warranty, 3-rate service

Only with a current account and as additional packages that are subject to a fee

Warranty extension included

Anyone who buys a lot of technology.

Debit (immediately debited from the giro)

Only with account authorization (free of charge)

Yes (700 euros minimum payment or under 28 years, otherwise 4.90 euros per month)

Yes, withdrawals from 50 euros are possible

Withdraw money worldwide for free

Giro only free of charge under certain conditions

Anyone who withdraws cash often.

Revolving (Partial payment preset with interest of 18.3 percent. Select full repayment per month.)

Yes, up to three (free)

Yes, 25 euros starting credit

Yes, withdrawals from 50 euros are possible

Withdraw money worldwide for free

High interest rates possible for partial payments

Frequent travelers who pay their credit card bills in full each month.

Yes (59 euros per year for insurance)

Revolving (Partial payment preset with interest of 18.3 percent. Select full repayment per month.)

Yes, up to three cards (each 29 euros per year)

Yes, withdrawals from 50 euros are possible

Yes, 1.99 percent of the amount

Yes, 5 percent cashback when traveling via Reiseservice Plus

Yes, travel cancellation and international health insurance

Discount on some travel bookings

Partner cards and foreign currency fee cost

Frequent travelers who pay their credit card bills in full every month and need travel insurance.

Charge (monthly debit)

Yes, 500 Miles & More award miles and a EUR 50 Lufthansa voucher

No, at least 5 euros per withdrawal or 2 percent of the amount

Yes, 1.95 percent of the amount

Yes, Miles & More miles for flight awards, for example

Unlimited mileage validity, insurance can be booked for a fee

Protection against mileage expiration

Airline miles collectors who want to protect their points from expiration.

Charge (monthly debit)

Yes, 25,000 Miles & More award miles, Avis weekend rental voucher

No, at least 5 euros per withdrawal or 2 percent of the amount

Yes, 1.95 percent of the amount

Yes, Miles & More miles for flight awards, for example

Unlimited mileage validity, Avis special conditions

Yes, fully comprehensive rental car, quarantine cost, international health and travel cancellation insurance

Extensive bonus upon completion

Anybody who doesn’t need cash, but plenty of insurance.

Charge (monthly debit)

Yes (free of charge for incoming payments of EUR 700 or more per month, otherwise EUR 3.90 per month)

No, at least 5.11 euros per withdrawal or 2 percent of the amount

Yes, 1.75 percent of the amount

With the accompanying Girocard, you can withdraw cash free of charge from all savings banks

Little free: Minimum deposit, card fee, withdrawal fee at KK

Everyone who also needs a checking account and feels most comfortable with a Sparkasse operation.

Charge (monthly debit)

Yes (free of charge for incoming payments of EUR 700 or more per month, otherwise EUR 3.90 per month)

No, at least 5.11 euros per withdrawal or 2 percent of the amount

Yes, 1.75 percent of the amount

Yes, travel cancellation, traffic legal protection and accident insurance for public transport

With the accompanying Girocard, you can withdraw cash free of charge from all savings banks

Little free: Minimum deposit, card fee, withdrawal fee at KK

Everyone who also needs a checking account and feels most comfortable with a Sparkasse operation.

Revolving (Partial payment preset with interest of 19.4 percent. Full repayment only possible by bank transfer.)

No, interest of 19.44 percent pa on the amount withdrawn, calculated per day until the amount is settled.

No, current exchange rate

Yes, 5 percent cashback when traveling via Urlaubplus.de/advanzia

Baggage, travel health, travel cancellation and accident insurance

Complete repayment only possible by bank transfer, there are easy costs due to partial payment

Perfectly organized people who pay their bills on time.

Ten-year building interest of 2.8 percent initially stable

As Interhyp AG, the brokerage company for private mortgage lending, reports, between the beginning of the year and the beginning of June 2022, interest rates for ten-year real estate loans have risen from around 1 percent to around 2.8 percent. However, the rise in the cost of home loans eased in May. Interhyp AG is currently observing a sideways movement in the development of the building interest rate. After all.

Inflation causes interest rates to rise

The main reason for the rise in interest rates since the beginning of the year: the rapidly increasing inflation. The Federal Statistical Office calculates an inflation rate of probably 7.9 percent in May 2022. This increases the pressure on the European Central Bank to raise interest rates. The result: loans for companies and consumers are becoming more expensive.