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
No, 2 euros per withdrawal with a Now account
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
Yes, withdrawals from 50 euros are possible
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)
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, withdrawals from 50 euros are possible
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
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
No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 750 euros in 7 days
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
No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 1500 euros in 7 days
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
No, at least 5 euros or 4 percent of the amount per withdrawal. Limit: 1500 euros in 7 days
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
3 times a month free of charge, then EUR 4.90 per withdrawal
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
No, 4.90 euros per withdrawal
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
Yes, withdrawals from 50 euros are possible
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
Yes, withdrawals from 50 euros are possible
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, withdrawals from 50 euros are possible
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
No, at least 5 euros per withdrawal or 2 percent of the amount
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
No, at least 5 euros per withdrawal or 2 percent of the amount
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, interest of 19.44 percent pa on the amount withdrawn, calculated per day until the amount is settled.
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
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.
