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Geschäftskonto Vergleich: Top-Firmenkonten im Test - 02/2025

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{flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-12 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-13 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-14 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-14 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-15 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-16 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-17 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-17 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-18 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-19 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-19 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1a > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1b > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1c > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-1c > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-1d > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1e > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-1e > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1f > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1g > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1h > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-1h > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-1i > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1j > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-1j > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1k > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1l > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1m > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-1m > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-1n > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1o > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-1o > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1p > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1q > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1r > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-1r > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-1s > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1t > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-1t > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1u > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1v > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1w > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-1w > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-1x > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-1y > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-1y > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-1z > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-20 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-21 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-21 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-22 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-23 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-23 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-24 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-25 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-26 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-26 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-27 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-28 > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(75% - clamp(0px,var(--gap),9999px));}.m35s-28 > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(25% - clamp(0px,var(--gap),9999px));}.m35s-29 > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2a > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2b > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(85.36% - clamp(0px,var(--gap),9999px));}.m35s-2b > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(14.64% - clamp(0px,var(--gap),9999px));}.m35s-2c > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2d > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2e > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2f > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2g > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2h{--gap:40px;}.m35s-2h > .x-row-inner > *:nth-child(3n - 0) {flex-basis:calc(33.33% - clamp(0px,var(--gap),9999px));}.m35s-2h > .x-row-inner > *:nth-child(3n - 1) {flex-basis:calc(33.33% - clamp(0px,var(--gap),9999px));}.m35s-2h > .x-row-inner > *:nth-child(3n - 2) {flex-basis:calc(33.33% - clamp(0px,var(--gap),9999px));}.m35s-2i > .x-row-inner > *:nth-child(2n - 0) {flex-basis:calc(90% - clamp(0px,var(--gap),9999px));}.m35s-2i > .x-row-inner > *:nth-child(2n - 1) {flex-basis:calc(10% - clamp(0px,var(--gap),9999px));}.m35s-2j > .x-row-inner > *:nth-child(1n - 0) {flex-basis:calc(100% - clamp(0px,var(--gap),9999px));}.m35s-2k.x-col{z-index:1;font-size:1em;}.m35s-2l.x-col{border:0;}.m35s-2n.x-col{border-top-width:1px;border-right-width:1px;border-bottom-width:1px;border-left-width:1px;border-top-style:solid;border-right-style:solid;border-bottom-style:solid;border-left-style:solid;border-top-color:rgba(9,111,250,0.15);border-right-color:rgba(9,111,250,0.15);border-bottom-color:rgba(9,111,250,0.15);border-left-color:rgba(9,111,250,0.15);border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;box-shadow:0px 0px 3px 0.5px rgba(9,111,250,0.14);}.m35s-2o.x-col{display:flex;}.m35s-2p.x-col{flex-direction:column;}.m35s-2q.x-col{justify-content:flex-start;}.m35s-2r.x-col{align-items:center;align-content:center;}.m35s-2s.x-col{flex-wrap:wrap;}.m35s-2t.x-col{flex-direction:row;}.m35s-2u.x-col{align-items:baseline;align-content:baseline;}.m35s-2v.x-col{justify-content:center;}.m35s-2w.x-col{overflow-x:hidden;overflow-y:hidden;align-items:stretch;border-top-left-radius:18px;border-top-right-radius:18px;border-bottom-right-radius:18px;border-bottom-left-radius:18px;background-color:#ffffff;box-shadow:0em 0.65em 3em -1.25em rgba(0,18,36,0.22);}.m35s-2w.x-col:hover,.m35s-2w.x-col[class*="active"],[data-x-effect-provider*="colors"]:hover .m35s-2w.x-col{box-shadow:0em 0.65em 3em -1.25em rgba(0,18,36,0.39);}.m35s-2x.x-col{justify-content:flex-end;align-items:flex-start;align-content:flex-start;}.m35s-2z.x-text{border:0;}.m35s-30.x-text .x-text-content-text-primary{font-size:1em;font-style:normal;letter-spacing:0em;text-transform:none;}.m35s-31.x-text{font-size:2.4em;}.m35s-31.x-text .x-text-content-text-subheadline{margin-top:1.35em;font-size:10px;}.m35s-32.x-text .x-text-content-text-primary{font-family:"bi-headline-font";font-weight:700;}.m35s-32.x-text .x-text-content-text-subheadline{color:#757575;}.m35s-33.x-text .x-text-content-text-primary{line-height:1.4;color:rgba(0,0,0,1);}.m35s-34.x-text .x-text-content-text-subheadline{font-family:inherit;font-style:normal;font-weight:inherit;line-height:1.4;letter-spacing:0em;text-transform:none;}.m35s-35.x-text{font-size:1em;}.m35s-36.x-text .x-text-content{flex-direction:row;justify-content:center;align-items:flex-start;}.m35s-36.x-text .x-text-content-text-subheadline{font-size:0.8em;color:rgb(99,99,99);}.m35s-36.x-text .x-graphic {margin-top:0em;margin-right:0.5em;margin-bottom:0em;margin-left:0em;}.m35s-36.x-text .x-graphic-icon {font-size:1.25em;width:auto;border:0;color:rgba(0,0,0,1);}.m35s-37.x-text .x-text-content-text-primary{font-family:inherit;font-weight:inherit;}.m35s-38.x-text .x-text-content-text-subheadline{margin-top:0.35em;}.m35s-39.x-text{margin-top:0em;margin-right:0em;margin-left:0em;}.m35s-3a.x-text{margin-bottom:0.7em;font-size:1.7em;}.m35s-3b.x-text{margin-bottom:1em;font-size:1.6em;}.m35s-3c.x-text .x-text-content-text-primary{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:700;line-height:1.2;}.m35s-3d.x-text .x-text-content-text-primary{color:#e3f0fc;}.m35s-3e.x-text{margin-top:12px;margin-right:0px;margin-bottom:28px;margin-left:0px;font-size:1.5em;}.m35s-3e.x-text .x-text-content-text-primary{color:#0a2540;}.m35s-3f.x-text{border-top-width:0px;border-right-width:0px;border-bottom-width:1px;border-left-width:0px;border-top-style:solid;border-right-style:solid;border-bottom-style:solid;border-left-style:solid;border-top-color:transparent;border-right-color:transparent;border-bottom-color:rgba(158,156,156,0.51);border-left-color:transparent;padding-top:0em;padding-right:0em;padding-bottom:0.3em;padding-left:0em;font-size:1.2em;}.m35s-3f.x-text:hover,.m35s-3f.x-text[class*="active"],[data-x-effect-provider*="colors"]:hover .m35s-3f.x-text{border-top-color:undefined;border-right-color:undefined;border-bottom-color:rgba(158,156,156,0.51);border-left-color:undefined;}.m35s-3f.x-text .x-text-content-text-subheadline{font-size:0.9em;}.m35s-3h.x-anchor {border:0;font-size:1em;}.m35s-3h.x-anchor .x-graphic-icon {width:auto;border:0;}.m35s-3j.x-anchor .x-anchor-content {flex-direction:row;}.m35s-3j.x-anchor .x-graphic {margin-top:5px;margin-right:5px;margin-bottom:5px;margin-left:5px;}.m35s-3j.x-anchor .x-graphic-icon {font-size:1.25em;}.m35s-3k.x-anchor .x-anchor-content {justify-content:center;align-items:center;}.m35s-3l.x-anchor .x-graphic-icon {color:rgba(0,0,0,1);}.m35s-3m.x-anchor .x-anchor-text {margin-top:5px;margin-right:5px;margin-bottom:5px;margin-left:5px;}.m35s-3n.x-anchor .x-anchor-text-primary {font-family:inherit;line-height:1;}.m35s-3o.x-anchor .x-anchor-text-primary {font-size:1em;font-style:normal;}.m35s-3p.x-anchor .x-anchor-text-primary {font-weight:bold;color:rgba(0,0,0,1);}.m35s-3p.x-anchor:hover .x-anchor-text-primary,.m35s-3p.x-anchor[class*="active"] .x-anchor-text-primary,[data-x-effect-provider*="colors"]:hover .m35s-3p.x-anchor .x-anchor-text-primary {color:rgba(0,0,0,0.5);}.m35s-3p.x-anchor .x-anchor-text-secondary {margin-top:0.35em;font-family:inherit;font-size:0.75em;font-style:normal;font-weight:inherit;line-height:1;color:rgba(0,0,0,1);}.m35s-3p.x-anchor:hover 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class="x-section e4096-e1 m35s-0 m35s-1 m35s-2"><div class="x-row x-container max width e4096-e2 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-t"><div class="x-row-inner"><div class="x-col e4096-e3 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e4 m35s-2y m35s-2z m35s-30 m35s-31 m35s-32 m35s-33 m35s-34"><div class="x-text-content"><div class="x-text-content-text"><h1 class="x-text-content-text-primary">Geschäftskonto Vergleich Februar 2025: Jetzt Firmenkonto eröffnen</h1><span class="x-text-content-text-subheadline">Zuletzt modifiziert: 2025-02-10 </span></div></div></div><div class="x-row e4096-e5 m35s-a m35s-c m35s-e m35s-g m35s-h m35s-i m35s-j m35s-k m35s-s m35s-u"><div class="x-row-inner"><div class="x-col e4096-e6 m35s-2k m35s-2l m35s-2m"><div class="x-anchor x-anchor-toggle has-graphic e4096-e7 m35s-3g m35s-3h m35s-3i m35s-3j m35s-3k m35s-3l m35s-3m m35s-3n m35s-3o m35s-3p" tabindex="0" data-x-toggle="1" data-x-toggleable="e4096-e7" data-x-toggle-hover="1" aria-controls="e4096-e7-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="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2040%2040'%3E%3C/svg%3E" width="40" height="40" alt="Amalia Alibaev" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_Albv.png"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_Albv.png" width="40" height="40" alt="Amalia Alibaev"></noscript></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></div></div><div class="x-row x-container max width e4096-e10 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-l m35s-s m35s-v"><div class="x-row-inner"><div class="x-col e4096-e11 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e12 m35s-40 m35s-43 m35s-44 m35s-45 m35s-46 m35s-47 m35s-48">Selbstständige, Freiberufler und Unternehmen jeder Größe stehen vor der essentiellen Aufgabe, ihre finanziellen Angelegenheiten effizient zu verwalten und zu organisieren. In diesem Kontext erweist sich ein Geschäftskonto als unverzichtbares Instrument, um die geschäftlichen Finanzen klar von den persönlichen zu trennen und eine professionelle Abwicklung sämtlicher Transaktionen zu gewährleisten. Ein Geschäftskonto bietet nicht nur eine solide Grundlage für finanzielle Transparenz, sondern es eröffnet auch Zugang zu einer Vielzahl von bank bezogenen Dienstleistungen, die speziell auf die Bedürfnisse von Unternehmen zugeschnitten sind. In diesem Geschäftskonto Vergleich werfen wir einen detaillierten Blick auf die verschiedenen Aspekte eines Geschäftskontos, die Vorzüge seiner Nutzung sowie darauf, wie es dazu beiträgt, den geschäftlichen Erfolg zu fördern.</div><div class="x-acc e4096-e13 m35s-4d m35s-4e m35s-4f m35s-4g m35s-4h" role="tablist" id="x-acc-e4096-e13"><div class="e4096-e14 x-acc-item"><button id="tab-e4096-e14" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e14" data-x-toggle="collapse" data-x-toggleable="e4096-e14"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf336;"></i></span><span class="x-acc-header-text"><strong>Warum du unserem Finanzvergleich vertrauen kannst</strong></span></span></button><div id="panel-e4096-e14" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e14" data-x-toggleable="e4096-e14" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><div class="x-text x-content e4096-e15 m35s-3z m35s-40 m35s-42 m35s-43 m35s-47">Unsere Redakteure setzen sich kontinuierlich dafür ein, dir objektive Bewertungen und fundierte Informationen bereitzustellen. Dabei bleibt unser redaktioneller Inhalt stets unbeeinflusst von Werbetreibenden. Durch den Einsatz datenbasierter Methoden bewerten wir Finanzprodukte und -unternehmen, um eine konsistente Beurteilung zu gewährleisten. Erfahre mehr über unsere <a href="https://www.businessinsider.de/finanz-vergleich/ueber-uns/">Arbeitsweise</a> und die Struktur unserer <a href="https://www.businessinsider.de/finanz-vergleich/geschaeftskonto-vergleich/#methodik">Methodik für Geschäftskonten</a>.</div></div></div></div></div></div></div></div></div><div class="x-section e4096-e16 m35s-0 m35s-1 m35s-2"><div class="x-row x-container max width e4096-e17 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-l m35s-s m35s-w"><div class="x-row-inner"><div class="x-col e4096-e18 m35s-2k m35s-2n"><div class="x-row e4096-e19 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-x"><div class="x-row-inner"><div class="x-col e4096-e20 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e21 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Commerzbank KlassikGeschäftskonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e22 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-y"><div class="x-row-inner"><div class="x-col e4096-e23 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e24 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-commerzbank-business" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2060'%3E%3C/svg%3E" width="194.87999" height="60" alt="Commerzbank" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/04/commerzbank_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/04/commerzbank_logo.svg" width="194.87999" height="60" alt="Commerzbank"></noscript></a> <span class="x-rating e4096-e25 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="5 / 5"> <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> <span class="x-rating-text"> 5 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e26 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-commerzbank-business" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e27 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e28 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-10"><div class="x-row-inner"><li class="x-col e4096-e29 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e30 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e31 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e32 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e33 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 0 € für 6 Monate danach 12,99 €</div></div></li><li class="x-col e4096-e34 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e35 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e36 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e37 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e38 m35s-3z m35s-40 m35s-47 m35s-49">100 € Gutschrift auf das Konto, wenn du das Konto online abschließt</div></div></li><li class="x-col e4096-e39 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e40 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e41 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e42 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e43 m35s-3z m35s-40 m35s-47 m35s-49">Girocard (Debitkarte) inklusive</div></div></li><li class="x-col e4096-e44 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e45 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e46 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e47 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e48 m35s-3z m35s-40 m35s-47 m35s-49">10 beleglose Zahlungen pro Monat</div></div></li></div></ul></div></div></div><div class="x-row e4096-e49 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-11"><div class="x-row-inner"><div class="x-col e4096-e50 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e51 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-12"><div class="x-row-inner"><div class="x-col e4096-e52 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e53 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e54 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e55 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e56 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e57 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e57"><div class="e4096-e58 x-acc-item"><button id="tab-e4096-e58" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e58" data-x-toggle="collapse" data-x-toggleable="e4096-e58"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e58" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e58" data-x-toggleable="e4096-e58" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li>Digital Banking per Web, App und Telefon</li> <li>Kostenlos Geld abheben an über 10.000 Geldautomaten deutschlandweit</li> <li>Kontoauszüge am SB-Terminal</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e59 m35s-2k m35s-2n"><div class="x-row e4096-e60 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-13"><div class="x-row-inner"><div class="x-col e4096-e61 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e62 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Revolut Business Basic</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e63 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-14"><div class="x-row-inner"><div class="x-col e4096-e64 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e65 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2058'%3E%3C/svg%3E" width="194.87999" height="58.499998" alt="Revolut" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg" width="194.87999" height="58.499998" alt="Revolut"></noscript></a> <span class="x-rating e4096-e66 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="5 / 5"> <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> <span class="x-rating-text"> 5 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e67 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e68 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e69 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-15"><div class="x-row-inner"><li class="x-col e4096-e70 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e71 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e72 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e73 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e74 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 0 €</div></div></li><li class="x-col e4096-e75 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e76 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e77 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e78 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e79 m35s-3z m35s-40 m35s-47 m35s-49">Firmenkarten aus Kunstoff und Virtuelle</div></div></li><li class="x-col e4096-e80 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e81 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e82 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e83 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e84 m35s-3z m35s-40 m35s-47 m35s-49"><span>5 kostenlose lokale Geldüberweisungen und 0 internationale</span></div></div></li><li class="x-col e4096-e85 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e86 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e87 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e88 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e89 m35s-3z m35s-40 m35s-47 m35s-49"><span>Konvertiere bis zu 1000€ zum Interbank-Wechselkurs</span></div></div></li></div></ul></div></div></div><div class="x-row e4096-e90 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-16"><div class="x-row-inner"><div class="x-col e4096-e91 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e92 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-17"><div class="x-row-inner"><div class="x-col e4096-e93 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e94 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e95 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e96 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e97 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e98 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e98"><div class="e4096-e99 x-acc-item"><button id="tab-e4096-e99" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e99" data-x-toggle="collapse" data-x-toggleable="e4096-e99"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e99" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e99" data-x-toggleable="e4096-e99" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li><span>Wechsle Geld in mehr als 25 Währungen zu ausgezeichneten Preisen</span></li> <li><span>Nutze Revolut Pay in Geschäften</span></li> <li>Erstelle und verfolge deine Rechnungen</li> <li><span>Finanzkontrolle durch Karten und Analysen</span></li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e100 m35s-2k m35s-2n"><div class="x-row e4096-e101 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-18"><div class="x-row-inner"><div class="x-col e4096-e102 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e103 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Deutsche Bank Business BasicKonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e104 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-19"><div class="x-row-inner"><div class="x-col e4096-e105 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e106 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-db-business-basic" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2086%2052'%3E%3C/svg%3E" width="86.25" height="52.499999" alt="Deutsche Bank" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg" width="86.25" height="52.499999" alt="Deutsche Bank"></noscript></a> <span class="x-rating e4096-e107 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.6 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.6 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e108 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-db-business-basic" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e109 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e110 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1a"><div class="x-row-inner"><li class="x-col e4096-e111 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e112 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e113 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e114 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e115 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 12,90 €</div></div></li><li class="x-col e4096-e116 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e117 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e118 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e119 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e120 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,22 € pro Posten</div></div></li><li class="x-col e4096-e121 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e122 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e123 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e124 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e125 m35s-3z m35s-40 m35s-47 m35s-49">Eine Deutsche Bank Card (Debitkarte) inklusive</div></div></li><li class="x-col e4096-e126 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e127 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e128 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e129 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e130 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,22 EUR pro Posten</div></div></li></div></ul></div></div></div><div class="x-row e4096-e131 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-1b"><div class="x-row-inner"><div class="x-col e4096-e132 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e133 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-1c"><div class="x-row-inner"><div class="x-col e4096-e134 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e135 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e136 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e137 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e138 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e139 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e139"><div class="e4096-e140 x-acc-item"><button id="tab-e4096-e140" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e140" data-x-toggle="collapse" data-x-toggleable="e4096-e140"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e140" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e140" data-x-toggleable="e4096-e140" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li>Zugang zu Finanzierungslösungen sowie öffentlichen Fördermitteln</li> <li>Gesetzliche Einlagensicherung</li> <li>Inklusive Expertenberatung</li> <li>in über 60 Ländern kostenlos Bargeld abheben</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e141 m35s-2k m35s-2n"><div class="x-row e4096-e142 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1d"><div class="x-row-inner"><div class="x-col e4096-e143 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e144 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Revolut Business Grow</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e145 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1e"><div class="x-row-inner"><div class="x-col e4096-e146 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e147 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2058'%3E%3C/svg%3E" width="194.87999" height="58.499998" alt="Revolut" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg" width="194.87999" height="58.499998" alt="Revolut"></noscript></a> <span class="x-rating e4096-e148 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.6 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.6 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e149 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e150 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e151 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1f"><div class="x-row-inner"><li class="x-col e4096-e152 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e153 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e154 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e155 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e156 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 19 €</div></div></li><li class="x-col e4096-e157 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e158 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e159 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e160 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e161 m35s-3z m35s-40 m35s-47 m35s-49">1 Kostenlos Metal-Karten</div></div></li><li class="x-col e4096-e162 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e163 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e164 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e165 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e166 m35s-3z m35s-40 m35s-47 m35s-49">Firmenkarten aus Kunstoff und Virtuelle</div></div></li><li class="x-col e4096-e167 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e168 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e169 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e170 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e171 m35s-3z m35s-40 m35s-47 m35s-49"><span>100 kostenlose lokale Geldüberweisungen und 5 internationale</span></div></div></li><li class="x-col e4096-e172 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e173 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e174 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e175 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e176 m35s-3z m35s-40 m35s-47 m35s-49"><span>Konvertiere bis zu 10.000€ zum Interbank-Wechselkurs</span></div></div></li></div></ul></div></div></div><div class="x-row e4096-e177 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-1g"><div class="x-row-inner"><div class="x-col e4096-e178 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e179 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-1h"><div class="x-row-inner"><div class="x-col e4096-e180 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e181 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e182 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e183 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e184 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e185 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e185"><div class="e4096-e186 x-acc-item"><button id="tab-e4096-e186" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e186" data-x-toggle="collapse" data-x-toggleable="e4096-e186"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e186" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e186" data-x-toggleable="e4096-e186" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li><span>Wechsle Geld in mehr als 25 Währungen zu ausgezeichneten Preisen</span></li> <li><span>Nutze Revolut Pay in Geschäften</span></li> <li>Erstelle und verfolge deine Rechnungen</li> <li><span>Finanzkontrolle durch Karten und Analysen</span></li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e187 m35s-2k m35s-2n"><div class="x-row e4096-e188 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1i"><div class="x-row-inner"><div class="x-col e4096-e189 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e190 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Commerzbank PremiumGeschäftskonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e191 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1j"><div class="x-row-inner"><div class="x-col e4096-e192 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e193 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-commerzbank-premium" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2060'%3E%3C/svg%3E" width="194.87999" height="60" alt="Commerzbank" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/04/commerzbank_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/04/commerzbank_logo.svg" width="194.87999" height="60" alt="Commerzbank"></noscript></a> <span class="x-rating e4096-e194 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.6 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.6 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e195 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-commerzbank-premium" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e196 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e197 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1k"><div class="x-row-inner"><li class="x-col e4096-e198 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e199 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e200 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e201 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e202 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 29,90 €</div></div></li><li class="x-col e4096-e203 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e204 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e205 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e206 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e207 m35s-3z m35s-40 m35s-47 m35s-49">100 € Gutschrift auf das Konto, wenn du das Konto online abschließt</div></div></li><li class="x-col e4096-e208 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e209 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e210 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e211 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e212 m35s-3z m35s-40 m35s-47 m35s-49">Girocard (Debitkarte) inklusive</div></div></li><li class="x-col e4096-e213 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e214 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e215 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e216 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e217 m35s-3z m35s-40 m35s-47 m35s-49">50 beleglose Zahlungen pro Monat</div></div></li></div></ul></div></div></div><div class="x-row e4096-e218 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-1l"><div class="x-row-inner"><div class="x-col e4096-e219 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e220 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-1m"><div class="x-row-inner"><div class="x-col e4096-e221 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e222 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e223 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e224 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e225 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e226 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e226"><div class="e4096-e227 x-acc-item"><button id="tab-e4096-e227" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e227" data-x-toggle="collapse" data-x-toggleable="e4096-e227"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e227" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e227" data-x-toggleable="e4096-e227" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li>Digital Banking per Web, App und Telefon</li> <li>Electronic Banking-Services</li> <li>Gesetzliche Einlagensicherung</li> <li>Kontoauszüge am SB-Terminal</li> <li>Digital Banking per Web, App und Telefon</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e228 m35s-2k m35s-2n"><div class="x-row e4096-e229 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1n"><div class="x-row-inner"><div class="x-col e4096-e230 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e231 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Qonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e232 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1o"><div class="x-row-inner"><div class="x-col e4096-e233 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e234 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-qonto-business" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20120%2080'%3E%3C/svg%3E" width="120" height="80" alt="Image" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/08/qonto_logo.png"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/08/qonto_logo.png" width="120" height="80" alt="Image"></noscript></a> <span class="x-rating e4096-e235 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.6 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.6 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e236 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-qonto-business" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e237 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e238 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1p"><div class="x-row-inner"><li class="x-col e4096-e239 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e240 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e241 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e242 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e243 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 9 €</div></div></li><li class="x-col e4096-e244 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e245 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e246 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e247 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e248 m35s-3z m35s-40 m35s-47 m35s-49">30 Tage kostenlos und unverbindlich testen</div></div></li><li class="x-col e4096-e249 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e250 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e251 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e252 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e253 m35s-3z m35s-40 m35s-47 m35s-49">Mastercard inklusive</div></div></li><li class="x-col e4096-e254 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e255 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e256 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e257 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e258 m35s-3z m35s-40 m35s-47 m35s-49">30 SEPA-Echtzeitüberweisungen und Lastschriften pro Monat</div></div></li></div></ul></div></div></div><div class="x-row e4096-e259 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-1q"><div class="x-row-inner"><div class="x-col e4096-e260 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e261 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-1r"><div class="x-row-inner"><div class="x-col e4096-e262 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e263 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e264 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e265 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e266 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e267 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e267"><div class="e4096-e268 x-acc-item"><button id="tab-e4096-e268" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e268" data-x-toggle="collapse" data-x-toggleable="e4096-e268"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e268" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e268" data-x-toggleable="e4096-e268" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Permanente Cybersecurity dank 3D-Secure</li> <li>Gesetzliche Einlagensicherung</li> <li>Vereinfachte Buchhaltung mit digitalisierten Belegen und Lesezugriff für die Buchhaltung</li> <li>Optimierte Ausgabenverwaltung mit Mastercard Karten für Mitarbeitende, Unterkonten u.v.m.</li> <li>Persönlicher Kundenservice an 7 Tagen die Woche. Via E-Mail, Chat und Telefon</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e269 m35s-2k m35s-2n"><div class="x-row e4096-e270 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1s"><div class="x-row-inner"><div class="x-col e4096-e271 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e272 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Deutsche Bank Business ClassicKonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e273 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1t"><div class="x-row-inner"><div class="x-col e4096-e274 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e275 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-db-classic" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2086%2052'%3E%3C/svg%3E" width="86.25" height="52.499999" alt="Deutsche Bank" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg" width="86.25" height="52.499999" alt="Deutsche Bank"></noscript></a> <span class="x-rating e4096-e276 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.4 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.4 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e277 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-db-classic" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e278 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e279 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1u"><div class="x-row-inner"><li class="x-col e4096-e280 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e281 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e282 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e283 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e284 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 19,90 €</div></div></li><li class="x-col e4096-e285 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e286 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e287 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e288 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e289 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,12 € pro Posten</div></div></li><li class="x-col e4096-e290 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e291 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e292 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e293 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e294 m35s-3z m35s-40 m35s-47 m35s-49">Eine BusinessCard (Kreditkarte) inklusive</div></div></li><li class="x-col e4096-e295 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e296 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e297 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e298 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e299 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,12 EUR pro Posten </div></div></li></div></ul></div></div></div><div class="x-row e4096-e300 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-1v"><div class="x-row-inner"><div class="x-col e4096-e301 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e302 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-1w"><div class="x-row-inner"><div class="x-col e4096-e303 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e304 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e305 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e306 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e307 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e308 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e308"><div class="e4096-e309 x-acc-item"><button id="tab-e4096-e309" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e309" data-x-toggle="collapse" data-x-toggleable="e4096-e309"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e309" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e309" data-x-toggleable="e4096-e309" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li>Expertenberatung inklusive</li> <li>Unterkonten einfach hinzufügen</li> <li>Gesetzliche Einlagensicherung</li> <li>Weltweit an über 50.000 Geldautomaten gebührenfrei abheben</li> <li>Spezialisten-Know-how für deine Branche</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e310 m35s-2k m35s-2n"><div class="x-row e4096-e311 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1x"><div class="x-row-inner"><div class="x-col e4096-e312 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e313 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Revolut Business Scale</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e314 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-1y"><div class="x-row-inner"><div class="x-col e4096-e315 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e316 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2058'%3E%3C/svg%3E" width="194.87999" height="58.499998" alt="Revolut" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg" width="194.87999" height="58.499998" alt="Revolut"></noscript></a> <span class="x-rating e4096-e317 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.4 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.4 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e318 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e319 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e320 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-1z"><div class="x-row-inner"><li class="x-col e4096-e321 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e322 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e323 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e324 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e325 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 79 €</div></div></li><li class="x-col e4096-e326 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e327 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e328 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e329 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e330 m35s-3z m35s-40 m35s-47 m35s-49">2 Kostenlos Metal-Karten</div></div></li><li class="x-col e4096-e331 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e332 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e333 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e334 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e335 m35s-3z m35s-40 m35s-47 m35s-49">Firmenkarten aus Kunstoff und Virtuelle</div></div></li><li class="x-col e4096-e336 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e337 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e338 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e339 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e340 m35s-3z m35s-40 m35s-47 m35s-49"><span>1000 kostenlose lokale Geldüberweisungen und 25 internationale</span></div></div></li><li class="x-col e4096-e341 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e342 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e343 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e344 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e345 m35s-3z m35s-40 m35s-47 m35s-49"><span>Konvertiere bis zu 50.000€ zum Interbank-Wechselkurs</span></div></div></li></div></ul></div></div></div><div class="x-row e4096-e346 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-20"><div class="x-row-inner"><div class="x-col e4096-e347 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e348 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-21"><div class="x-row-inner"><div class="x-col e4096-e349 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e350 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e351 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e352 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e353 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e354 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e354"><div class="e4096-e355 x-acc-item"><button id="tab-e4096-e355" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e355" data-x-toggle="collapse" data-x-toggleable="e4096-e355"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e355" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e355" data-x-toggleable="e4096-e355" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li><span>Wechsle Geld in mehr als 25 Währungen zu ausgezeichneten Preisen</span></li> <li><span>Nutze Revolut Pay in Geschäften</span></li> <li>Erstelle und verfolge deine Rechnungen</li> <li><span>Finanzkontrolle durch Karten und Analysen</span></li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e356 m35s-2k m35s-2n"><div class="x-row e4096-e357 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-22"><div class="x-row-inner"><div class="x-col e4096-e358 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e359 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Deutsche Bank Business PremiumKonto</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e360 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-23"><div class="x-row-inner"><div class="x-col e4096-e361 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e362 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-db-premium" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2086%2052'%3E%3C/svg%3E" width="86.25" height="52.499999" alt="Deutsche Bank" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/deutsche_bank_logo.svg" width="86.25" height="52.499999" alt="Deutsche Bank"></noscript></a> <span class="x-rating e4096-e363 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.2 / 5"> <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> <span class="x-rating-text"> 4.2 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e364 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-db-premium" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e365 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e366 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-24"><div class="x-row-inner"><li class="x-col e4096-e367 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e368 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e369 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e370 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e371 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: 34,90 €</div></div></li><li class="x-col e4096-e372 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e373 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e374 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e375 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e376 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,07 € pro Posten</div></div></li><li class="x-col e4096-e377 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e378 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e379 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e380 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e381 m35s-3z m35s-40 m35s-47 m35s-49">Zwei BusinessCards (Kreditkarten) inklusive</div></div></li><li class="x-col e4096-e382 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e383 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e384 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e385 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e386 m35s-3z m35s-40 m35s-47 m35s-49">Beleglose Buchungen für 0,07 EUR pro Posten </div></div></li></div></ul></div></div></div><div class="x-row e4096-e387 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-25"><div class="x-row-inner"><div class="x-col e4096-e388 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e389 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-26"><div class="x-row-inner"><div class="x-col e4096-e390 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e391 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e392 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e393 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e394 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e395 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e395"><div class="e4096-e396 x-acc-item"><button id="tab-e4096-e396" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e396" data-x-toggle="collapse" data-x-toggleable="e4096-e396"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e396" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e396" data-x-toggleable="e4096-e396" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li>Zusätzliches Unterkonto ohne Grundpreis</li> <li>Gesetzliche Einlagensicherung</li> <li>Zugang zu internationalen Finanzleistungen</li> <li>Abruf von Kontoinformationen durch Rechenzentren</li> </ul></div></div></div></div></div></div></div></div><div class="x-col e4096-e397 m35s-2k m35s-2n"><div class="x-row e4096-e398 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-27"><div class="x-row-inner"><div class="x-col e4096-e399 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e400 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3a"><div class="x-text-content"><div class="x-text-content-text"><p class="x-text-content-text-primary"><span style="text-decoration: underline;"><strong>Revolut Business Enterprise</strong></span></p></div></div></div></div></div></div><div class="x-row e4096-e401 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-28"><div class="x-row-inner"><div class="x-col e4096-e402 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2q m35s-2r m35s-2s"><a class="x-image e4096-e403 m35s-4m m35s-4n" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20194%2058'%3E%3C/svg%3E" width="194.87999" height="58.499998" alt="Revolut" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/11/revolut_logo.svg" width="194.87999" height="58.499998" alt="Revolut"></noscript></a> <span class="x-rating e4096-e404 m35s-4r"> <span class="x-rating-graphic" role="img" aria-label="4.4 / 5"> <i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf005;"></i><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf5c0;"></i> </span> <span class="x-rating-text"> 4.4 / 5 </span> </span> <a class="x-anchor x-anchor-button has-graphic e4096-e405 m35s-3g m35s-3h m35s-3j m35s-3k m35s-3m m35s-3n m35s-3o m35s-3q m35s-3r m35s-3s m35s-3t" tabindex="0" href="https://www.businessinsider.de/finanz-vergleich/zu-revolutbusiness" rel="nofollow" target="_blank"><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-l="&#xf30d;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Zum Anbieter</span></div></div></a></div><div class="x-col e4096-e406 m35s-2k m35s-2l m35s-2m"><ul class="x-row e4096-e407 m35s-a m35s-c m35s-d m35s-e m35s-i m35s-m m35s-n m35s-z m35s-29"><div class="x-row-inner"><li class="x-col e4096-e408 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e409 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e410 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e411 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e412 m35s-3z m35s-40 m35s-47 m35s-49">Grundgebühr/ Monat: <span>Benutzerdefiniert</span></div></div></li><li class="x-col e4096-e413 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e414 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e415 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e416 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e417 m35s-3z m35s-40 m35s-47 m35s-49">Kostenlos Metal-Karten: <span>Benutzerdefiniert</span></div></div></li><li class="x-col e4096-e418 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e419 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e420 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e421 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e422 m35s-3z m35s-40 m35s-47 m35s-49">Firmenkarten aus Kunstoff und Virtuelle</div></div></li><li class="x-col e4096-e423 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e424 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e425 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e426 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e427 m35s-3z m35s-40 m35s-47 m35s-49"><span>Unbegrenzte kostenlose lokale und internationale Geldüberweisungen</span></div></div></li><li class="x-col e4096-e428 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2q m35s-2s m35s-2t m35s-2u"><figure class="x-div e4096-e429 m35s-4s m35s-4t m35s-4u m35s-4v m35s-4w m35s-4x m35s-4y"><i class="x-icon e4096-e430 m35s-59" aria-hidden="true" data-x-icon-o="&#xf00c;"></i></figure><div class="x-div e4096-e431 m35s-4t m35s-4w m35s-4x m35s-4y m35s-4z m35s-50 m35s-51 m35s-5 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 e4096-e432 m35s-3z m35s-40 m35s-47 m35s-49"><span>Konvertiere Geld ohne Limit zum Interbank-Wechselkurs</span></div></div></li></div></ul></div></div></div><div class="x-row e4096-e433 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-o m35s-s m35s-2a"><div class="x-row-inner"><div class="x-col e4096-e434 m35s-2k m35s-2l m35s-2m"><div class="x-row e4096-e435 m35s-a m35s-b m35s-c m35s-g m35s-j m35s-p m35s-s m35s-2b"><div class="x-row-inner"><div class="x-col e4096-e436 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2p m35s-2r m35s-2s m35s-2v"><span class="x-image e4096-e437 m35s-4m m35s-4o m35s-4p"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2050%2050'%3E%3C/svg%3E" width="50" height="50" alt="Einlagensicherung" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2022/08/Einlagensicherung.svg" width="50" height="50" alt="Einlagensicherung"></noscript></span></div><div class="x-col e4096-e438 m35s-2k m35s-2l m35s-2m"><div class="x-text x-content e4096-e439 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><p><span style="color: #096ffa;"><strong>Einlagensicherung</strong></span></p> <p>Gesetzliche Einlagensicherung in Deutschland über 100.000 €.</p></div></div></div></div></div><div class="x-col e4096-e440 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e441 m35s-4d m35s-4e m35s-4i m35s-4j m35s-4k" role="tablist" id="x-acc-e4096-e441"><div class="e4096-e442 x-acc-item"><button id="tab-e4096-e442" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e442" data-x-toggle="collapse" data-x-toggleable="e4096-e442"><span class="x-acc-header-content"><span class="x-acc-header-indicator"><i class="x-icon" aria-hidden="true" data-x-icon-s="&#xf309;"></i></span><span class="x-acc-header-text"><strong><span style="color: #0000ff;">Leistungen</span></strong></span></span></button><div id="panel-e4096-e442" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e442" data-x-toggleable="e4096-e442" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"><ul> <li>Apple Pay und Google Pay</li> <li><span>Wechsle Geld in mehr als 25 Währungen zu ausgezeichneten Preisen</span></li> <li><span>Nutze Revolut Pay in Geschäften</span></li> <li>Erstelle und verfolge deine Rechnungen</li> <li><span>Finanzkontrolle durch Karten und Analysen</span></li> </ul></div></div></div></div></div></div></div></div></div></div></div><div class="x-section e4096-e443 m35s-0 m35s-2 m35s-3"><div class="x-row x-container max width e4096-e444 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-2c"><div class="x-row-inner"><div class="x-col e4096-e445 m35s-2k m35s-2l m35s-2m"><div class="x-acc e4096-e446 m35s-4d m35s-4f m35s-4j m35s-4k m35s-4l" role="tablist" id="x-acc-e4096-e446"><div class="e4096-e447 x-acc-item"><button id="tab-e4096-e447" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e447" data-x-toggle="collapse" data-x-toggleable="e4096-e447"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text"><strong>Inhaltsverzeichnis:</strong></span></span></button><div id="panel-e4096-e447" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e447" data-x-toggleable="e4096-e447" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content"> <ol> <li><a href="#definition">Was ist ein Geschäftskonto und warum ist es für Unternehmen wichtig?</a></li> <li><a href="#arten">Welche Arten von Geschäftskonten gibt es?</a></li> <li><a href="#vorteile">Was sind die Vorteile eines Geschäftskontos?</a></li> <li><a href="#auswahl">Geschäftskonto Vergleich: Worauf sollte man bei der Auswahl eines Geschäftskontos achten?</a></li> <li><a href="#voraussetzungen">Welche Voraussetzungen muss man für ein Geschäftskonto erfüllen?</a></li> <li><a href="#gebühren">Welche Gebühren können bei einem Geschäftskonto anfallen?</a></li> <li><a href="#buchhaltung">Wie erleichtert ein Geschäftskonto die Buchhaltung?</a></li> <li><a href="#steuern">Wie hilft ein Geschäftskonto bei der Steuererklärung?</a></li> <li><a href="#unterschied">Was ist der Unterschied zwischen einem Girokonto und einem Geschäftskonto?</a></li> <li><a href="#risiken">Welche Risiken und Herausforderungen können bei einem Geschäftskonto auftreten?</a></li> <li><a href="#tipps">Tipps für die effektive Nutzung eines Geschäftskontos</a></li> <li><a href="#methodik">Methodik: Wie unser Geschäftskonto Vergleich aufgebaut ist</a></li> <li><a href="#faq">Häufig gestellte Fragen</a></li> </ol></div></div></div></div><div id="definition" class="x-text x-content e4096-e448 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Was ist ein Geschäftskonto und warum ist es für Unternehmen wichtig?</h2> <p>Ein Geschäftskonto ist ein spezielles Bankkonto, das von Unternehmen und Selbstständigen genutzt wird, um ihre geschäftlichen Finanzen von ihren persönlichen Finanzen zu trennen. Es dient dazu, alle finanziellen Transaktionen im Zusammenhang mit dem Geschäftsbetrieb zu verwalten, einschließlich Ein- und Auszahlungen, Zahlungsabwicklung, Gehaltszahlungen, Rechnungsstellung und vielem mehr. Die Bedeutung eines Geschäftskontos für Unternehmen ergibt sich aus einer Reihe von Gründen:</p> <ul> <li><strong> Trennung von Geschäfts- und Privatfinanzen:</strong> Die klare Trennung von Geschäfts- und Privatkonten ist eine grundlegende Praxis für eine ordnungsgemäße Buchführung. Ein Geschäftskonto ermöglicht es, Geschäftstransaktionen getrennt von persönlichen Ausgaben zu halten, was die Buchhaltung erheblich erleichtert.</li> <li><strong>Professionalität und Vertrauen:</strong> Ein Geschäftskonto vermittelt ein professionelles Erscheinungsbild. Kunden, Lieferanten und Geschäftspartner sehen darin eine ernsthafte und zuverlässige Geschäftstätigkeit. Dies kann das Vertrauen in das Unternehmen stärken und die Glaubwürdigkeit erhöhen.</li> <li><strong>Buchhaltung und Steuern:</strong> Die Verwaltung von Finanzen über ein Geschäftskonto erleichtert die Nachverfolgung von Einnahmen und Ausgaben. Dies ist essentiell für die korrekte Buchhaltung und die Erstellung von Finanzberichten. Außerdem erleichtert es die Einhaltung steuerlicher Vorschriften, da geschäftliche Transaktionen klar dokumentiert sind.</li> <li><strong>Cashflow-Management:</strong> Ein Geschäftskonto ermöglicht eine bessere Überwachung des Unternehmenscashflows. Unternehmen können Ein- und Auszahlungen besser verfolgen und Budgets effektiver verwalten.</li> <li><strong>Zahlungsabwicklung:</strong> Mit einem Geschäftskonto können Unternehmen Zahlungen von Kunden empfangen und Rechnungen bezahlen. Dies ermöglicht eine reibungslose Abwicklung des Geschäftsverkehrs, da spezielle Geschäftsdienstleistungen und -tools angeboten werden.</li> <li><strong>Zugang zu Finanzdienstleistungen:</strong> Ein Geschäftskonto kann den Zugang zu speziellen Finanzdienstleistungen erleichtern, wie beispielsweise Geschäftskrediten, Kreditkarten für Unternehmen und Zahlungsabwicklungslösungen.</li> <li><strong>Einfachere Kreditwürdigkeitsbewertung:</strong> Wenn Unternehmen ihre Finanzen über ein Geschäftskonto verwalten, können Banken und Kreditgeber ihre Kreditwürdigkeit leichter beurteilen. Dies ist wichtig, wenn das Unternehmen in der Zukunft Finanzierungen oder <a href="https://www.businessinsider.de/finanz-vergleich/kreditvergleich/bester-online-kredit/">Kredite</a> benötigt.</li> <li><strong>Haftungsbeschränkung:</strong> Bei Unternehmen mit beschränkter Haftung (z. B. GmbH) kann die Vermischung von Geschäfts- und Privatfinanzen zu rechtlichen Problemen führen. Ein Geschäftskonto trägt dazu bei, die rechtliche Trennung zwischen Unternehmensvermögen und persönlichem Vermögen aufrechtzuerhalten.</li> </ul> <p>Zusammenfassend ist ein Geschäftskonto für Unternehmen von großer Bedeutung, da es zur ordnungsgemäßen Buchhaltung, zum professionellen Erscheinungsbild und zur effektiven Finanzverwaltung beiträgt. Es unterstützt Unternehmen dabei, ihre geschäftlichen Finanzen effizienter zu verwalten und rechtliche, finanzielle und buchhalterische Herausforderungen zu bewältigen.</p></div><div id="arten" class="x-text x-content e4096-e449 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Welche Arten von Geschäftskonten gibt es?</h2> <p>Es gibt verschiedene Arten von Geschäftskonten, die von Unternehmen je nach ihren individuellen Bedürfnissen und Geschäftsaktivitäten ausgewählt werden können. Hier sind einige gängige Arten von Geschäftskonten:</p> <ul> <li><strong> Geschäftsgirokonto:</strong> Dies ist das grundlegende Geschäftskonto, das für alltägliche Bankgeschäfte wie Ein- und Auszahlungen, Überweisungen, Zahlungsabwicklungen und Gehaltszahlungen genutzt wird.</li> <li><strong>Geschäftstagesgeldkonto:</strong> Ein Tagesgeldkonto für Unternehmen ermöglicht es, überschüssige Mittel kurzfristig anzulegen und dabei eine höhere Verzinsung zu erhalten als bei einem herkömmlichen Geschäftsgirokonto.</li> <li><strong>Online-Geschäftskonto:</strong> Diese Art von Konto wird hauptsächlich online geführt und bietet Unternehmen bequemen Zugriff auf ihre Finanzen über das Internet oder mobile Apps. Online-Geschäftskonten bieten oft niedrigere Gebühren und zusätzliche digitale Funktionen.</li> <li><strong>Fremdwährungskonto für Unternehmen:</strong> Dieses Konto ermöglicht es Unternehmen, Transaktionen in verschiedenen Währungen abzuwickeln. Es ist besonders nützlich für Unternehmen, die international tätig sind und in verschiedenen Währungen operieren.</li> <li><strong>Geschäftskonto für Start-ups:</strong> Ein spezielles Konto für neu gegründete Unternehmen, das oft besondere Konditionen und Unterstützungsleistungen bietet, um den spezifischen Anforderungen von Start-ups gerecht zu werden.</li> <li><strong>Geschäftskonto für gemeinnützige Organisationen:</strong> Dieses Konto ist für gemeinnützige Organisationen und NGOs konzipiert und bietet oft reduzierte Gebühren und Sonderkonditionen, um den Bedürfnissen dieser Organisationen gerecht zu werden.</li> <li><strong>Geschäftskonto für Freiberufler und Selbstständige:</strong> Dieses Konto richtet sich an Einzelunternehmer, Freiberufler und Selbstständige. Es kann spezielle Funktionen und Gebührenstrukturen bieten, die auf die Bedürfnisse dieser Gruppen zugeschnitten sind.</li> <li><strong>Geschäftskonto mit Kreditkarte:</strong> Ein Geschäftskonto, das mit einer <a href="https://www.businessinsider.de/finanz-vergleich/beste-kreditkarte/">Kreditkarte</a> verknüpft ist. Diese Karten bieten Unternehmen eine bequeme Möglichkeit, geschäftliche Ausgaben zu tätigen und bieten oft spezielle Prämien und Belohnungen.</li> <li><strong>Geschäftskonto mit Überziehungskredit:</strong> Ein Geschäftskonto, das über einen <a href="https://www.businessinsider.de/finanz-vergleich/kredit/dispokredit/">Dispokredit</a> verfügt, der es Unternehmen ermöglicht, vorübergehend über das Guthaben des Kontos hinaus Geld zu verwenden. Dies kann bei kurzfristigen Liquiditätsbedürfnissen hilfreich sein.</li> <li><strong>Gemeinschaftskonto für Unternehmen:</strong> Ein Konto, das von mehreren Geschäftspartnern oder Mitgliedern eines Unternehmens gemeinsam genutzt wird. Dies kann bei der gemeinsamen Verwaltung von Finanzen und Transaktionen hilfreich sein.</li> </ul> <p>Es ist wichtig, die verschiedenen Optionen zu prüfen und ein Geschäftskonto auszuwählen, das am besten zu den spezifischen Bedürfnissen und Zielen des jeweiligen Unternehmens passt. Die Wahl des richtigen Kontos kann dazu beitragen, die Finanzverwaltung zu optimieren und die Geschäftsabläufe effizienter zu gestalten.</p></div><div id="vorteile" class="x-text x-content e4096-e450 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Was sind die Vorteile eines Geschäftskontos?</h2> <p>Ein Geschäftskonto bietet verschiedene Vorteile, die speziell auf die Bedürfnisse von Unternehmen, Selbstständigen und Freiberuflern zugeschnitten sind. Hier sind einige der wichtigsten Vorteile:</p> <ul> <li><strong> Trennung von Geschäfts- und Privatfinanzen:</strong> Ein Geschäftskonto ermöglicht eine klare Trennung von geschäftlichen und persönlichen Finanzen. Dies erleichtert die Buchhaltung, Steuererklärungen und die allgemeine finanzielle Übersicht.</li> <li><strong>Professionelles Erscheinungsbild:</strong> Die Verwendung eines dedizierten Geschäftskontos vermittelt Kunden, Geschäftspartnern und Investoren ein professionelles Image. Dies trägt zur Glaubwürdigkeit und Vertrauensbildung bei.</li> <li><strong>Bessere Buchhaltung:</strong> Geschäftskonten erleichtern die Buchführung, da alle geschäftlichen Transaktionen an einem Ort erfasst werden. Dies vereinfacht die Verfolgung von Einnahmen, Ausgaben und Gewinnen.</li> <li><strong>Steuerliche Vorteile:</strong> Ein Geschäftskonto ermöglicht eine effizientere Erfassung von geschäftlichen Einnahmen und Ausgaben, was die Vorbereitung der Steuererklärung erleichtert. Zudem können bestimmte geschäftliche Kosten steuerlich absetzbar sein.</li> <li><strong>Zugang zu Geschäftskrediten:</strong> Banken bieten oft spezielle Geschäftskredit- und Finanzierungsoptionen an, die auf die Bedürfnisse von Unternehmen zugeschnitten sind. Ein Geschäftskonto kann die Chancen auf Kreditgenehmigungen erhöhen.</li> <li><strong>Transaktionsverwaltung:</strong> Geschäftskonten bieten Funktionen wie Online-Banking, mobile Apps und Benachrichtigungen, die es ermöglichen, Geschäftstransaktionen bequem zu verwalten und überwachen.</li> <li><strong>Sicherheit und Betrugsprävention:</strong> Geschäftskonten bieten oft erweiterte Sicherheitsfunktionen wie zweistufige Authentifizierung und Betrugserkennung, um die Sicherheit der Finanzen zu gewährleisten.</li> <li><strong>Unternehmenswachstum:</strong> Ein Geschäftskonto kann beim Skalieren des Unternehmens unterstützen. Es erleichtert die Verwaltung von zunehmenden Transaktionen, Gehaltsabrechnungen und anderen finanziellen Aspekten des Wachstums.</li> <li><strong>Zahlungsabwicklung:</strong> Geschäftskonten ermöglichen die einfache Abwicklung von Zahlungen an Lieferanten, Dienstleister und Mitarbeiter. Online-Überweisungen und elektronische Zahlungen können effizienter durchgeführt werden.</li> <li><strong>Nachvollziehbarkeit:</strong> Ein Geschäftskonto bietet eine klare und nachvollziehbare Aufzeichnung aller Finanztransaktionen. Dies kann bei Audits, Rechnungsprüfungen und rechtlichen Angelegenheiten von Vorteil sein.</li> <li><strong>Kundenabwicklung:</strong> Einige Geschäftskonten bieten spezielle Funktionen wie die Einrichtung von Lastschriften oder wiederkehrenden Zahlungen, die für Unternehmen nützlich sein können, um Kunden- oder Mitgliedsbeiträge abzuwickeln.</li> <li><strong>Internationale Transaktionen:</strong> Wenn dein Unternehmen internationale Geschäfte tätigt, kann ein Geschäftskonto den Prozess der Währungsumrechnung und der Abwicklung von internationalen Zahlungen erleichtern.</li> </ul></div><div id="auswahl" class="x-text x-content e4096-e451 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Geschäftskonto Vergleich: Worauf sollte man bei der Auswahl eines Geschäftskontos achten?</h2> <p>Bei der Auswahl eines Geschäftskontos gibt es mehrere wichtige Faktoren zu berücksichtigen, um sicherzustellen, dass das Konto den Bedürfnissen deines Unternehmens entspricht. Hier sind einige wichtige Aspekte, auf die du bei einem Geschäftskonto Vergleich achten solltest:</p> <ul> <li><strong> Gebührenstruktur:</strong> Achte auf die Kontogebühren, die für das Geschäftskonto anfallen. Dazu gehören monatliche Servicegebühren, Transaktionsgebühren, Gebühren für Überweisungen und Abhebungen sowie eventuelle Mindestguthabenanforderungen. Achte in einem Geschäftskonto Vergleich auf die Gebühren verschiedener Banken.</li> <li><strong>Dienstleistungen und Funktionen:</strong> Überprüfe, welche Dienstleistungen und Funktionen im Geschäftskonto enthalten sind. Dies können Online-Banking, mobile Apps, elektronische Überweisungen, Kreditkarten, Scheckbuch, automatische Zahlungsabwicklung und andere sein. Wähle ein Konto, das die für dein Unternehmen relevanten Dienste bereitstellt.</li> <li><strong>Filialzugang und Geldautomaten:</strong> Überlege, ob du Zugang zu physischen Filialen oder Geldautomaten benötigst. Dies ist besonders wichtig, wenn dein Unternehmen regelmäßig Bargeldgeschäfte tätigt oder wenn du persönliche Bankdienstleistungen benötigst.</li> <li><strong>Online-Banking und Technologie:</strong> Prüfe, wie benutzerfreundlich das Online-Banking-System ist und ob es Funktionen wie die Verwaltung mehrerer Nutzerzugänge, elektronische Rechnungszahlung, mobile Einzahlungen und Sicherheitsfunktionen wie Zweifaktor-Authentifizierung bietet.</li> <li><strong>Kundenbetreuung:</strong> Achte auf die Qualität des Kundensupports der Bank. Schnelle und zuverlässige Unterstützung kann bei Problemen oder Fragen rund um dein Geschäftskonto entscheidend sein.</li> <li><strong>Zusätzliche Dienstleistungen:</strong> Einige Banken bieten spezielle Dienstleistungen für Geschäftskunden an, wie beispielsweise Geschäftskredite, Finanzierungsunterstützung oder Cash-Management-Dienste. Überlege, ob solche Dienste für dein Unternehmen von Bedeutung sind.</li> <li><strong>Kontotyp und Unternehmensstruktur:</strong> Wähle einen Kontotyp, der zu deiner Unternehmensstruktur passt. Je nachdem, ob du ein Einzelunternehmen, eine GmbH oder eine andere Rechtsform hast, könnten verschiedene Kontotypen besser geeignet sein.</li> <li><strong>Internationale Transaktionen:</strong> Wenn dein Unternehmen internationale Geschäfte tätigt, prüfe, ob das Geschäftskonto internationale Transaktionen unterstützt und wie die Gebühren für Währungsumrechnungen und grenzüberschreitende Überweisungen sind.</li> <li><strong>Kostenlose Probezeit:</strong> Manche Banken bieten eine kostenlose Probezeit für Geschäftskonten an. Nutze diese, um das Konto auszuprobieren und sicherzustellen, dass es deinen Anforderungen entspricht. Achte bei einem Geschäftskonto Vergleich, ob der Anbieter kostenlose und unverbindliche Probezeiten anbietet.</li> <li><strong>Bewertungen und Erfahrungen:</strong> Recherchiere nach Bewertungen und Erfahrungen anderer Unternehmer, die bereits bei der jeweiligen Bank ein Geschäftskonto haben. Diese Einblicke können dir helfen, die Zuverlässigkeit und Qualität des Dienstes besser einzuschätzen.</li> <li><strong>Standort der Bank:</strong> Überlege, ob die geografische Nähe zur Bank für dich wichtig ist. Manche Unternehmen bevorzugen eine Bank, die in der Nähe ihres Standorts liegt, während andere auf Online-Banking und digitale Dienstleistungen setzen.</li> <li><strong>Langfristige Perspektive:</strong> Denke langfristig. Wähle ein Geschäftskonto, das nicht nur deinen aktuellen Bedürfnissen entspricht, sondern auch mit dem Wachstum und den Anforderungen deines Unternehmens in Zukunft mithalten kann.</li> </ul></div><div id="voraussetzungen" class="x-text x-content e4096-e452 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Welche Voraussetzungen muss man für ein Geschäftskonto erfüllen?</h2> <p>Die genauen Voraussetzungen für ein Geschäftskonto in Deutschland können je nach Bank variieren, aber im Allgemeinen gibt es einige grundlegende Anforderungen, die in den meisten Fällen erfüllt werden müssen. Hier sind einige typische Voraussetzungen:</p> <ul> <li><strong> Unternehmensgründung:</strong> Du musst ein Unternehmen in Deutschland gegründet haben. Dies kann eine Einzelfirma, eine GmbH, eine UG (haftungsbeschränkt) oder eine andere Unternehmensform sein.</li> <li><strong>Gültige Identifikationsdokumente:</strong> Du musst gültige Identifikationsdokumente vorlegen, die deine persönliche Identität sowie die Identität des Unternehmens bestätigen. Dies könnte beispielsweise dein Personalausweis, Reisepass oder Aufenthaltstitel sein.</li> <li><strong>Gewerbeanmeldung:</strong> Du musst eine gültige Gewerbeanmeldung vorlegen, um nachzuweisen, dass dein Unternehmen rechtmäßig gegründet wurde und operiert.</li> <li><strong>Steuernummer:</strong> In der Regel wird die Vorlage deiner Steuernummer oder deiner Umsatzsteuer-Identifikationsnummer verlangt, um deine steuerliche Situation zu überprüfen.</li> <li><strong>Unternehmensunterlagen:</strong> Die Bank könnte Unternehmensunterlagen verlangen, die die Struktur und das Management des Unternehmens dokumentieren. Dazu könnten Satzung, Gesellschaftervertrag oder andere relevante Dokumente gehören.</li> <li><strong>Wirtschaftliche Verwendung:</strong> Die Bank könnte Informationen darüber benötigen, wie du das Geschäftskonto nutzen wirst, um sicherzustellen, dass es für legitime geschäftliche Aktivitäten verwendet wird.</li> <li><strong>Legitimation:</strong> Je nach Bank kann es erforderlich sein, dich persönlich bei der Bank zu legitimieren. Dies kann durch einen Besuch in einer Filiale oder durch andere Online-Verfahren erfolgen.</li> </ul></div><div id="gebühren" class="x-text x-content e4096-e453 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Welche Gebühren können bei einem Geschäftskonto anfallen?</h2> <p>Die Gebühren für ein Geschäftskonto können je nach Bank, Art des Kontos und den angebotenen Dienstleistungen variieren. Hier sind einige gängige Gebühren, die bei einem Geschäftskonto auftreten können:</p> <ul> <li><strong> Kontoführungsgebühr:</strong> Dies ist eine monatliche oder quartalsweise Gebühr, die für die Verwaltung deines Geschäftskontos anfällt. Die Höhe der Gebühr kann von Bank zu Bank unterschiedlich sein und hängt oft von der Art des Kontos und dem Umfang der angebotenen Dienstleistungen ab.</li> <li><strong>Transaktionsgebühren:</strong> Gebühren können für verschiedene Transaktionen wie Überweisungen, Einzahlungen, Abhebungen, Schecks und elektronische Zahlungen anfallen. Einige Banken bieten eine bestimmte Anzahl kostenloser Transaktionen pro Monat, während für zusätzliche Transaktionen Gebühren anfallen können.</li> <li><strong>Währungsumrechnungsgebühren:</strong> Wenn du internationale Geschäfte tätigst und Transaktionen in verschiedenen Währungen durchführst, können Währungsumrechnungsgebühren anfallen. Diese Gebühren entstehen durch die Umrechnung des Geldes in eine andere Währung.</li> <li><strong>Überziehungszinsen:</strong> Wenn dein Geschäftskonto überzogen wird und du mehr Geld ausgibst, als auf dem Konto vorhanden ist, können Überziehungszinsen anfallen. Diese Zinsen können ziemlich hoch sein, daher ist es wichtig, dein Konto stets im Auge zu behalten.</li> <li><strong>Gebühren für Scheckausstellungen:</strong> Wenn du Schecks ausstellst, können Gebühren pro Scheck oder für Scheckhefte anfallen. Einige Banken bieten möglicherweise eine bestimmte Anzahl kostenloser Schecks pro Monat an.</li> <li><strong>Gebühren für Online-Banking-Dienste:</strong> Während viele Banken Online-Banking-Dienste anbieten, können einige fortschrittliche Funktionen wie Echtzeit-Transaktionsbenachrichtigungen, mobile Apps oder spezielle Zugänge zusätzliche Gebühren verursachen.</li> <li><strong>Gebühren für spezielle Dienstleistungen:</strong> Banken bieten oft spezielle Dienstleistungen für Geschäftskunden an, wie z. B. Cash-Management-Lösungen, Saldenüberwachung oder spezielle Beratungsdienste. Diese Dienstleistungen können mit eigenen Gebühren verbunden sein.</li> <li><strong>Kreditkartengebühren:</strong> Wenn du eine Geschäftskreditkarte nutzt, können jährliche Gebühren, Zinsen für ausstehende Beträge und Gebühren für Barabhebungen anfallen.</li> </ul></div><div id="buchhaltung" class="x-text x-content e4096-e454 m35s-40 m35s-43 m35s-44 m35s-45 m35s-47 m35s-48 m35s-4c"><h2>Wie erleichtert ein Geschäftskonto die Buchhaltung?</h2> <p>Ein Geschäftskonto erleichtert die Buchhaltung auf verschiedene Arten, indem es klare Trennung, Nachverfolgbarkeit und Effizienz bietet. Hier sind einige Wege, wie ein Geschäftskonto die Buchhaltung vereinfachen kann:</p> <ul> <li><strong>Klare Trennung von Transaktionen:</strong> Ein Geschäftskonto ermöglicht die strikte Trennung von geschäftlichen und persönlichen Finanzen. Alle geschäftlichen Transaktionen, Einnahmen und Ausgaben werden auf dem Geschäftskonto erfasst, was die Identifizierung und Kategorisierung von Transaktionen erleichtert.</li> <li><strong>Übersichtliche Buchführung:</strong> Da alle geschäftlichen Transaktionen auf einem separaten Konto erfasst werden, entsteht eine klare und übersichtliche Buchführung. Dies erleichtert die Verfolgung von finanziellen Bewegungen und den Überblick über die finanzielle Gesundheit des Unternehmens.</li> <li><strong>Effiziente Kategorisierung:</strong> Ein Geschäftskonto ermöglicht die systematische Kategorisierung von Transaktionen. Dies ist besonders wichtig für die Zuordnung zu verschiedenen Kostenarten, wie z. B. Betriebsausgaben, Gehälter, Lieferantenkosten usw. Dadurch können Berichte für die Gewinn- und Verlustrechnung sowie die Bilanz präzise erstellt werden.</li> <li><strong>Leichtere Steuererklärungen:</strong> Ein Geschäftskonto erleichtert die Vorbereitung der Steuererklärung, da alle geschäftlichen Transaktionen bereits ordentlich erfasst sind. Die Ausgaben und Einnahmen können leicht gegenübergestellt werden, was die Berechnung von Steuerverbindlichkeiten oder -erstattungen erleichtert.</li> <li><strong>Rechtliche Konformität:</strong> Ein Geschäftskonto trägt dazu bei, rechtliche Anforderungen und Compliance-Standards zu erfüllen. Korrekte und akkurate Buchhaltung ist oft notwendig, um steuerliche und regulatorische Anforderungen einzuhalten.</li> <li><strong>Erstellung von Finanzberichten:</strong> Ein Geschäftskonto liefert die Daten, die zur Erstellung von Finanzberichten wie Bilanzen, Gewinn- und Verlustrechnungen sowie Cashflow-Statements benötigt werden. Diese Berichte sind wichtig für die interne Analyse und die Kommunikation mit Investoren, Partnern und Kreditgebern.</li> <li><strong>Überwachung von Ausgaben und Budgets:</strong> Durch die Trennung von Geschäfts- und Privattransaktionen können Unternehmer ihre Geschäftsausgaben und Budgets effektiver überwachen. Dies hilft dabei, unnötige Ausgaben zu identifizieren und Ressourcen optimal zu nutzen.</li> <li><strong>Einfache Auditvorbereitung:</strong> Ein ordentlich geführtes Geschäftskonto erleichtert die Vorbereitung auf Buchprüfungen oder Audits. Alle relevanten Transaktionen und Finanzdaten sind an einem Ort verfügbar, was den Prüfungsprozess reibungsloser gestaltet.</li> <li><strong>Automatisierte Buchhaltungssoftware:</strong> Viele Buchhaltungssoftwarelösungen können direkt mit Geschäftskonten verbunden werden, um Transaktionsdaten automatisch zu importieren und zu kategorisieren. Dies spart Zeit und minimiert manuelle Eingriffe.</li> </ul></div></div></div></div><div class="x-row x-container max width e4096-e455 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-l m35s-s m35s-2d"><div class="x-row-inner"><div class="x-col e4096-e456 m35s-2k m35s-2l m35s-2m"><div id="steuern" class="x-text x-content e4096-e457 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4c"><h2>Wie hilft ein Geschäftskonto bei der Steuererklärung?</h2> <p>Ein Geschäftskonto kann bei der Steuererklärung auf verschiedene Weisen helfen, indem es die Dokumentation, Nachvollziehbarkeit und Genauigkeit der finanziellen Informationen verbessert. Hier sind einige Möglichkeiten, wie ein Geschäftskonto bei der Steuererklärung unterstützt:</p> <ul> <li><strong> Klare Trennung von Geschäfts- und Privattransaktionen:</strong> Ein Geschäftskonto ermöglicht die strikte Trennung von geschäftlichen und persönlichen Transaktionen. Diese klare Unterscheidung erleichtert die Identifizierung und Zuordnung von Ausgaben und Einnahmen, was die Steuererklärung genauer und weniger fehleranfällig macht.</li> <li><strong>Bessere Dokumentation:</strong> Da alle geschäftlichen Transaktionen über das Geschäftskonto abgewickelt werden, gibt es eine zuverlässige Quelle für Dokumentation. Kontoauszüge und Transaktionshistorien können als Nachweis für alle geschäftlichen Transaktionen verwendet werden.</li> <li><strong>Effiziente Erfassung von Ausgaben:</strong> Mit einem Geschäftskonto können Geschäftsausgaben direkt auf das Konto verbucht werden. Dies erleichtert die Erfassung von Belegen und die Erstellung einer genauen Aufzeichnung von geschäftlichen Kosten.</li> <li><strong>Steuerlich abzugsfähige Ausgaben:</strong> Geschäftliche Ausgaben, die im Zusammenhang mit dem Betrieb des Unternehmens stehen, können in der Regel als Betriebskosten abgezogen werden. Ein Geschäftskonto hilft dabei, solche Ausgaben zu identifizieren und steuerliche Vorteile zu nutzen.</li> <li><strong>Einfache Berechnung der Geschäftseinnahmen:</strong> Da alle geschäftlichen Einnahmen auf dem Geschäftskonto eingehen, kann die Berechnung der Gesamteinnahmen einfacher und genauer durchgeführt werden.</li> <li><strong>Erleichterte Kategorisierung:</strong> Ein Geschäftskonto ermöglicht die systematische Kategorisierung von Transaktionen nach relevanten Kostenkategorien. Dies ist besonders hilfreich, um Ausgaben entsprechend den steuerlichen Vorgaben zu klassifizieren.</li> <li><strong>Nachvollziehbare Transaktionshistorie:</strong> Ein Geschäftskonto bietet eine umfassende Transaktionshistorie, die bei der Erklärung von unklaren oder potenziell verdächtigen Transaktionen hilfreich sein kann.</li> <li><strong>Unterstützung bei Steuerprüfungen:</strong> Falls eine Steuerprüfung durchgeführt wird, können die klare Trennung der Finanzen und die ordnungsgemäße Dokumentation der geschäftlichen Transaktionen mithilfe des Geschäftskontos als Nachweis dienen.</li> <li><strong>Vereinfachte Berichterstattung:</strong> Ein Geschäftskonto ermöglicht es, Finanzberichte wie Gewinn- und Verlustrechnungen und Bilanzen genauer zu erstellen. Diese Berichte sind oft notwendig, um die finanzielle Leistung des Unternehmens zu analysieren und gegenüber Behörden oder Investoren zu kommunizieren.</li> <li><strong>Vermeidung von Fehlern:</strong> Die klare Trennung von Geschäfts- und Privattransaktionen minimiert das Risiko von Fehlern in der Steuererklärung, da Geschäftstransaktionen nicht mit persönlichen Transaktionen vermischt werden.</li> </ul> <p>Insgesamt kann ein Geschäftskonto dazu beitragen, dass die Steuererklärung präziser, effizienter und weniger zeitaufwendig ist, indem es die erforderlichen Finanzdaten in einer organisierten und leicht zugänglichen Form bereitstellt. Dennoch ist es ratsam, sich von einem professionellen Steuerberater beraten zu lassen, um sicherzustellen, dass alle steuerlichen Bestimmungen ordnungsgemäß befolgt werden.</p></div></div></div></div><div class="x-row x-container max width e4096-e458 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-i m35s-l m35s-s m35s-2e"><div class="x-row-inner"><div class="x-col e4096-e459 m35s-2k m35s-2l m35s-2m"><div id="unterschied" class="x-text x-content e4096-e460 m35s-3z m35s-40 m35s-43 m35s-47 m35s-48"><h2>Was ist der Unterschied zwischen einem Girokonto und einem Geschäftskonto?</h2> <p>Ein <a href="https://www.businessinsider.de/finanz-vergleich/bestes-girokonto/">Girokonto</a> und ein Geschäftskonto sind beide Arten von Bankkonten, jedoch dienen sie unterschiedlichen Zwecken und sind für verschiedene Finanzaktivitäten ausgelegt. Hier sind die Hauptunterschiede zwischen den beiden:</p> <h3>Zweck:</h3> <ul> <li><strong>Girokonto:</strong> Ein Girokonto, auch bekannt als Privatkonto oder Alltagskonto, ist ein Bankkonto, das von Privatpersonen für ihre persönlichen finanziellen Transaktionen genutzt wird. Es ermöglicht den Empfang und die Ausgabe von Geld für tägliche Ausgaben, Überweisungen, Zahlungen und Abhebungen.</li> <li><strong>Geschäftskonto:</strong> Ein Geschäftskonto ist speziell für Unternehmen, Selbstständige und Freiberufler konzipiert. Es dient dazu, geschäftliche Finanztransaktionen abzuwickeln, wie etwa die Annahme von Zahlungen von Kunden, die Bezahlung von Lieferanten und die Verwaltung der Geschäftsgelder.</li> </ul> <h3>Zugriff:</h3> <ul> <li><strong>Girokonto:</strong> Inhaber eines Girokontos haben normalerweise persönlichen Zugriff auf ihr Konto über Bankfilialen, Geldautomaten, Online-Banking und mobile Apps.</li> <li><strong>Geschäftskonto:</strong> Geschäftskonten bieten oft erweiterte Funktionen, um mehrere Personen (z.B. Mitarbeiter oder Buchhalter) Zugriff auf das Konto zu ermöglichen. Dies kann die Verwaltung von Gehaltszahlungen und geschäftlichen Ausgaben erleichtern.</li> </ul> <h3>Transaktionsvolumen:</h3> <ul> <li><strong>Girokonto:</strong> Girokonten sind in der Regel auf niedrigere Transaktionsvolumina und persönliche Finanzaktivitäten ausgelegt.</li> <li><strong>Geschäftskonto:</strong> Geschäftskonten sind für höhere Transaktionsvolumina und geschäftliche Aktivitäten konzipiert, einschließlich der Verarbeitung von größeren Ein- und Auszahlungen.</li> </ul> <h3>Gebühren und Kosten:</h3> <ul> <li><strong>Girokonto:</strong> Girokonten können je nach Bank geringe Gebühren oder kostenlose Optionen für Privatpersonen anbieten.</li> <li><strong>Geschäftskonto:</strong> Geschäftskonten können höhere Gebühren haben, da sie oft zusätzliche Dienstleistungen für Unternehmen bieten, wie etwa das Verarbeiten von Geschäftsüberweisungen, das Einrichten von POS-Systemen und das Bereitstellen von Unternehmenskarten.</li> </ul> <h3>Rechtliche und steuerliche Aspekte:</h3> <ul> <li><strong>Girokonto:</strong> Girokonten sind für persönliche finanzielle Transaktionen bestimmt und unterliegen den persönlichen steuerlichen Regelungen des Kontoinhabers.</li> <li><strong>Geschäftskonto:</strong> Geschäftskonten haben oft spezifische rechtliche und steuerliche Aspekte, die mit den Geschäftsaktivitäten verbunden sind. Sie können auch dazu verwendet werden, die Buchhaltung zu erleichtern und Geschäftstransaktionen von persönlichen Transaktionen zu trennen.</li> </ul></div></div></div></div></div><div class="x-section e4096-e461 m35s-0 m35s-2 m35s-3"><div class="x-row x-container max width e4096-e462 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-2f"><div class="x-row-inner"><div class="x-col e4096-e463 m35s-2k m35s-2l m35s-2m"><div id="risiken" class="x-text x-content e4096-e464 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Welche Risiken und Herausforderungen können bei einem Geschäftskonto auftreten?</h2> <p>Bei der Nutzung von Geschäftskonten können verschiedene Risiken und Herausforderungen auftreten, die sich auf die finanzielle Stabilität, die Sicherheit der Transaktionen und die Einhaltung von Vorschriften auswirken können. Hier sind einige der häufigsten Risiken und Herausforderungen:</p> <ul> <li><strong> Betrug und unbefugter Zugriff:</strong> Geschäftskonten können Ziel von Betrugsversuchen wie Phishing, Identitätsdiebstahl oder betrügerischen Transaktionen werden. Unbefugter Zugriff auf das Konto kann zu finanziellen Verlusten und rechtlichen Problemen führen.</li> <li><strong>Fehlende Trennung von Finanzen:</strong> Wenn Geschäftskonten nicht ordnungsgemäß von persönlichen Konten getrennt werden, kann dies zu Verwirrung bei der Buchhaltung, Steuererklärungen und finanzieller Transparenz führen.</li> <li><strong>Hohe Gebühren:</strong> Einige Geschäftskonten können höhere Gebühren im Vergleich zu Privatkonten haben, insbesondere wenn zusätzliche Dienstleistungen wie grenzüberschreitende Zahlungen oder Kreditlinien in Anspruch genommen werden.</li> <li><strong>Mangelnde Liquidität:</strong> Geschäftskonten können anfällig für mangelnde Liquidität sein, insbesondere wenn Unternehmen nicht genügend Mittel auf ihrem Konto haben, um laufende Ausgaben wie Gehälter oder Lieferantenrechnungen zu decken.</li> <li><strong>Buchhaltungsfehler:</strong> Unzureichende Buchführung oder fehlerhafte Aufzeichnungen können zu Fehlern bei der Rechnungsstellung, der Budgetierung und der Finanzberichterstattung führen.</li> <li><strong>Fehlende Überwachung von Transaktionen:</strong> Unternehmen müssen ihre Kontobewegungen regelmäßig überwachen, um ungewöhnliche oder verdächtige Aktivitäten zu erkennen und schnell darauf reagieren zu können.</li> <li><strong>Regulatorische Compliance:</strong> Geschäftskonten müssen oft bestimmte regulatorische Anforderungen erfüllen, wie beispielsweise die Einhaltung von Geldwäschevorschriften oder Steuererklärungen. Die Nichteinhaltung kann zu rechtlichen Konsequenzen führen.</li> <li><strong>Einschränkungen bei Auslandszahlungen:</strong> Bei internationalen Transaktionen können Währungsumrechnungsgebühren und Schwierigkeiten bei der Verarbeitung von Auslandszahlungen auftreten.</li> <li><strong>Abhängigkeit von Online-Diensten:</strong> Die Abhängigkeit von Online-Banking und digitalen Plattformen kann zu Störungen führen, wenn diese Dienste nicht verfügbar sind oder technische Probleme auftreten.</li> <li><strong>Kreditrisiko:</strong> Geschäftskonten, die mit Kreditlinien oder Darlehen verbunden sind, können bei Zahlungsunfähigkeit des Unternehmens zu einem erhöhten Kreditrisiko führen.</li> <li><strong>Datenschutz und Cybersecurity:</strong> Geschäftskonten enthalten oft sensible Geschäftsinformationen, daher ist der Schutz vor Datenlecks und Cyberangriffen von entscheidender Bedeutung.</li> </ul> <p>Um diese Risiken zu minimieren, sollten Unternehmen sorgfältig eine Bank auswählen, die angemessene Sicherheitsvorkehrungen und Schutzmechanismen bietet. Regelmäßige Überwachung der Kontobewegungen, eine solide Buchhaltung, Schulung der Mitarbeiter in Bezug auf Cybersicherheit und die Einhaltung von regulatorischen Vorschriften sind ebenfalls wichtige Maßnahmen zur Risikominderung.</p></div><div id="tipps" class="x-text x-content e4096-e465 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Tipps für die effektive Nutzung eines Geschäftskontos</h2> <ol> <li><strong> Trennung von Geschäfts- und Privatfinanzen:</strong> Halte deine geschäftlichen und persönlichen Finanzen strikt getrennt. Vermeide es, private Ausgaben über das Geschäftskonto abzuwickeln und umgekehrt. Dies erleichtert die Buchhaltung erheblich und vermeidet Verwirrung.</li> <li><strong>Regelmäßige Überprüfung:</strong> Nimm dir regelmäßig Zeit, um deine Kontoauszüge und Transaktionen zu überprüfen. Dies hilft die, Unregelmäßigkeiten frühzeitig zu erkennen und mögliche Fehler oder Betrugsversuche zu identifizieren.</li> <li><strong>Automatisierung von Zahlungen:</strong> Richte automatische Zahlungen für wiederkehrende Rechnungen, Gehälter und andere regelmäßige Ausgaben ein. Dadurch minimierst du das Risiko von verspäteten Zahlungen und verbessern die Liquiditätsplanung.</li> <li><strong>Buchhaltungsintegration:</strong> Nutze Geschäftskonten, die nahtlos mit Buchhaltungssoftware oder -diensten integriert werden können. Dadurch wird die manuelle Eingabe von Transaktionsdaten reduziert und die Genauigkeit der Buchführung erhöht.</li> <li><strong>Notfallreserven:</strong> Behalteeine finanzielle Reserve auf deinem Geschäftskonto, um unerwarteten Ausgaben oder Umsatzschwankungen entgegenzuwirken. Dies hilft, Liquiditätsengpässe zu vermeiden.</li> <li><strong>Festlegung von Budgets:</strong> Setze Budgets für verschiedene Geschäftsausgabenkategorien wie Marketing, Betriebskosten und Entwicklung. Halte dich an diese Budgets, um eine bessere Kontrolle über deine Finanzen zu haben.</li> <li><strong>Kontakt mit deinem Bankberater:</strong> Halte regelmäßigen Kontakt zu deinem Bankberater oder Finanzberater. Sie können dir bei der Auswahl der besten Kontotypen, Gebührenstrukturen und Finanzlösungen für dein Unternehmen helfen.</li> <li><strong>Verwendung von Geschäftskreditkarten:</strong> Nutze Geschäftskreditkarten, um Ausgaben zu verfolgen und gleichzeitig Belohnungen oder Vorteile wie Cashback oder Meilen zu erhalten. Achte jedoch darauf, Kreditkartenausgaben in Einklang mit deinem Budget zu halten.</li> <li><strong>Sicherheitsmaßnahmen:</strong> Verwende starke Passwörter und aktiviere zusätzliche Sicherheitsfunktionen wie Zwei-Faktor-Authentifizierung. Schütze deine Online-Banking-Zugangsdaten, um Betrugsversuche zu minimieren.</li> <li><strong>Steuerliche Vorkehrungen:</strong> Halte alle notwendigen Dokumente und Transaktionsnachweise bereit, um die Steuererklärungen reibungslos durchführen zu können. Ein gut organisiertes Geschäftskonto erleichtert die Steuerberichterstattung erheblich.</li> <li><strong>Rat von Experten einholen:</strong> Bei komplexen finanziellen Entscheidungen oder Unsicherheiten solltest du dich an Fachleute wie Buchhalter, Steuerberater oder Finanzberater wenden, um die besten Entscheidungen für dein Unternehmen zu treffen.</li> <li><strong>Anpassung an Veränderungen:</strong> Passe deine Finanzstrategie bei Veränderungen in deinem Unternehmen, der Branche oder der wirtschaftlichen Situation an. Eine flexible Finanzplanung ist entscheidend, um erfolgreich zu sein.</li> </ol></div><div id="methodik" class="x-text x-content e4096-e466 m35s-40 m35s-43 m35s-45 m35s-47 m35s-48 m35s-4a m35s-4b"><h2>Methodik: Wie unser Geschäftskonto Vergleich aufgebaut ist</h2> <p>Bei der Erstellung unseres umfassenden Vergleichs von Geschäftskonten haben wir einen sorgfältigen und methodischen Ansatz verfolgt, um sicherzustellen, dass die bereitgestellten Informationen sowohl präzise als auch von höchster Relevanz für unsere Leser sind. Der Schwerpunkt unseres Vergleichs lag dabei auf Konten, die eine nutzerfreundliche Handhabung durch mobile Anwendungen oder Webseiten ermöglichen, um den Anforderungen der modernen Geschäftswelt gerecht zu werden.</p> <p>In einem ersten Schritt haben wir eine sorgfältige Analyse von sieben Geschäftskonten durchgeführt, die aktuell in Deutschland verfügbar sind. Diese Auswahl umfasst sowohl etablierte Finanzinstitutionen mit einem breiten Spektrum an Dienstleistungen als auch neuere Unternehmen, die sich durch eine starke digitale Präsenz und innovative Lösungen auszeichnen.</p> <p>Unsere Analyse, die im Februar 2025 durchgeführt wurde, basierte auf vier Hauptkriterien, die wir als entscheidend für die Auswahl eines geeigneten Geschäftskontos erachten. Diese Kriterien wurden nicht nur aufgrund ihrer individuellen Relevanz ausgewählt, sondern auch unter Berücksichtigung der Gewichtung, die sie im Gesamtkontext des Kontovergleichs haben sollten.</p> <p>Hierbei wurden die folgenden Aspekte und ihre jeweilige Gewichtung berücksichtigt:</p> <ul> <li><strong>Grundgebühren (40%):</strong> Hierbei wurde die Kostenstruktur der Konten, einschließlich monatlicher oder jährlicher Gebühren, unter die Lupe genommen.</li> <li><strong>Kostenlose Karte (20%):</strong> Die Verfügbarkeit und Bedingungen einer kostenfreien Karte wurden analysiert.</li> <li><strong>Buchungen (20%):</strong> Hier wurden die Kosten und Bedingungen für Kontobuchungen betrachtet.</li> <li><strong>Extras (20%):</strong> Zusätzliche Features und Dienstleistungen der Konten, wie z.B. Bonusprogramme oder Versicherungsleistungen, wurden untersucht.</li> </ul> <p>Zusätzlich haben wir auch besonderen Wert auf die Integration von Zahlungsdiensten wie Apple Pay und Google Pay gelegt, die Verfügbarkeit und Benutzerfreundlichkeit von Online-Banking-Lösungen sowie die Qualität und Erreichbarkeit des Kundenservices. Diese Aspekte wurden als untergeordnete Kriterien betrachtet, die eine zusätzliche Dimension zur Beurteilung der Konten bieten und potenzielle Nutzer dabei unterstützen, eine informierte Entscheidung zu treffen.</p> <p>Insgesamt zielt unsere Methodik darauf ab, einen ausgewogenen und umfassenden Überblick über die verfügbaren Geschäftskonten zu bieten, indem sie eine Vielzahl von Faktoren berücksichtigt, die für Geschäftsinhaber von Bedeutung sein könnten. So ermöglichen wir es unseren Lesern, eine fundierte Wahl zu treffen, die auf ihren individuellen Bedürfnissen und Präferenzen basiert.</p></div><div id="faq" class="x-text x-text-headline e4096-e467 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3b"><div class="x-text-content"><div class="x-text-content-text"><h2 class="x-text-content-text-primary">Häufig gestellte Fragen</h2></div></div></div><div class="x-acc e4096-e468 m35s-4d m35s-4f m35s-4h m35s-4j m35s-4l" role="tablist" id="x-acc-e4096-e468"><div class="e4096-e469 x-acc-item"><button id="tab-e4096-e469" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e469" data-x-toggle="collapse" data-x-toggleable="e4096-e469"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text">Welche Vorteile bietet die Verwendung eines Geschäftskontos gegenüber einem persönlichen Konto? </span></span></button><div id="panel-e4096-e469" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e469" data-x-toggleable="e4096-e469" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content">Die Verwendung eines Geschäftskontos bietet mehrere Vorteile, darunter die klare Trennung von persönlichen und geschäftlichen Finanzen, ein professionelleres Image gegenüber Kunden und Lieferanten, sowie eine bessere Übersicht über geschäftliche Einnahmen und Ausgaben für Buchhaltung und Steuerzwecke. </div></div></div><div class="e4096-e470 x-acc-item"><button id="tab-e4096-e470" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e470" data-x-toggle="collapse" data-x-toggleable="e4096-e470"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text">Kann ich auf meinem Geschäftskonto Kreditlinien oder Darlehen erhalten? </span></span></button><div id="panel-e4096-e470" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e470" data-x-toggleable="e4096-e470" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content">Ja, viele Banken bieten Geschäftskreditlinien und Darlehen an, die auf der finanziellen Stärke und dem Kreditprofil des Unternehmens basieren. Diese können dazu verwendet werden, Betriebskapital zu sichern, Investitionen zu tätigen oder saisonale Schwankungen auszugleichen. </div></div></div><div class="e4096-e471 x-acc-item"><button id="tab-e4096-e471" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e471" data-x-toggle="collapse" data-x-toggleable="e4096-e471"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text">Wie kann ich sicherstellen, dass mein Geschäftskonto vor Betrug geschützt ist? </span></span></button><div id="panel-e4096-e471" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e471" data-x-toggleable="e4096-e471" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content">Um Betrug zu verhindern, solltest du starke Passwörter verwenden, regelmäßig dein Konto überwachen, verdächtige Aktivitäten melden und dich über gängige Betrugsmethoden wie Phishing informieren. Die Verwendung von Zwei-Faktor-Authentifizierung kann die Sicherheit zusätzlich erhöhen. </div></div></div><div class="e4096-e472 x-acc-item"><button id="tab-e4096-e472" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e472" data-x-toggle="collapse" data-x-toggleable="e4096-e472"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text">Kann ich mehreren Mitarbeitern Zugriff auf das Geschäftskonto gewähren? </span></span></button><div id="panel-e4096-e472" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e472" data-x-toggleable="e4096-e472" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content">Ja, viele Banken ermöglichen es Unternehmen, mehreren Mitarbeitern Zugriff auf das Geschäftskonto zu gewähren. Dies kann die Verwaltung von Finanzen, Gehaltszahlungen und Rechnungen erleichtern. </div></div></div><div class="e4096-e473 x-acc-item"><button id="tab-e4096-e473" class="x-acc-header" role="tab" type="button" aria-selected="false" aria-expanded="false" aria-controls="panel-e4096-e473" data-x-toggle="collapse" data-x-toggleable="e4096-e473"><span class="x-acc-header-content"><span class="x-acc-header-indicator">&#x25b8;</span><span class="x-acc-header-text">Welche Arten von Transaktionen kann ich über ein Geschäftskonto abwickeln? </span></span></button><div id="panel-e4096-e473" role="tabpanel" aria-hidden="true" aria-labelledby="tab-e4096-e473" data-x-toggleable="e4096-e473" data-x-toggle-collapse="1" class="x-collapsed"><div class="x-acc-content">Über ein Geschäftskonto kannst du eine Vielzahl von Transaktionen abwickeln, darunter Ein- und Auszahlungen, Überweisungen, Lastschriften, Schecks, Kreditkartenzahlungen und elektronische Zahlungen. </div></div></div></div></div></div></div></div><div class="x-section e4096-e474 m35s-0 m35s-3 m35s-4"><div class="x-row x-container max width e4096-e475 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-m m35s-q m35s-s m35s-2g"><div class="x-row-inner"><div class="x-col e4096-e476 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e477 m35s-2z m35s-30 m35s-33 m35s-37 m35s-39 m35s-3b"><div class="x-text-content"><div class="x-text-content-text"><h2 class="x-text-content-text-primary">Was dich auch interessieren könnte</h2></div></div></div><div class="x-div e4096-e478 m35s-4s m35s-4t m35s-4u m35s-4w m35s-4x m35s-4y m35s-52 m35s-53 m35s-54"><div class="x-row e4096-e479 m35s-a m35s-d m35s-e m35s-m m35s-r m35s-2h"><div class="x-row-inner"><a class="x-col e4096-e480 m35s-2k m35s-2l m35s-2o m35s-2p m35s-2q m35s-2w m35s-6 m35s-7 m35s-8" href="https://www.businessinsider.de/finanz-vergleich/girokonto/kostenloses-sparkonto/" data-x-effect-provider="colors effects particles" 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e4096-e485 m35s-2y m35s-2z m35s-30 m35s-35 m35s-3c m35s-3d"><div class="x-text-content"><div class="x-text-content-text"><span class="x-text-content-text-primary">2023-12-13</span></div></div></div></div><div class="x-text x-text-headline e4096-e486 m35s-2z m35s-30 m35s-3c m35s-3e"><div class="x-text-content"><div class="x-text-content-text"><h3 class="x-text-content-text-primary">Kostenloses Sparkonto</h3></div></div></div><span class="x-anchor x-anchor-button has-graphic has-particle e4096-e487 m35s-3h m35s-3i m35s-3k m35s-3o m35s-3r m35s-3s m35s-3t m35s-3u m35s-3v m35s-8" tabindex="0" data-x-effect="{&quot;durationBase&quot;:&quot;300ms&quot;}"><span class="x-particle is-primary" data-x-particle="scale-x inside-b_l" aria-hidden="true"><span style=""></span></span><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-o="&#xf105;"></i><i class="x-icon x-graphic-child 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is-primary" data-x-particle="scale-x inside-b_l" aria-hidden="true"><span style=""></span></span><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-o="&#xf105;"></i><i class="x-icon x-graphic-child x-graphic-icon x-graphic-secondary" aria-hidden="true" data-x-icon-o="&#xf105;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Mehr erfahren</span></div></div></span></div></a><a class="x-col e4096-e480 m35s-2k m35s-2l m35s-2o m35s-2p m35s-2q m35s-2w m35s-6 m35s-7 m35s-8" href="https://www.businessinsider.de/finanz-vergleich/girokonto/girokonto-fuer-kinder/" data-x-effect-provider="colors effects particles" data-x-effect="{&quot;durationBase&quot;:&quot;300ms&quot;}"><div class="x-div e4096-e481 m35s-4s m35s-4u m35s-4w m35s-4x m35s-4y m35s-51 m35s-55 m35s-56"><span class="x-image e4096-e482 m35s-4m m35s-4o m35s-4q"><img decoding="async" 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e4096-e486 m35s-2z m35s-30 m35s-3c m35s-3e"><div class="x-text-content"><div class="x-text-content-text"><h3 class="x-text-content-text-primary">Girokonto für Kinder</h3></div></div></div><span class="x-anchor x-anchor-button has-graphic has-particle e4096-e487 m35s-3h m35s-3i m35s-3k m35s-3o m35s-3r m35s-3s m35s-3t m35s-3u m35s-3v m35s-8" tabindex="0" data-x-effect="{&quot;durationBase&quot;:&quot;300ms&quot;}"><span class="x-particle is-primary" data-x-particle="scale-x inside-b_l" aria-hidden="true"><span style=""></span></span><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-o="&#xf105;"></i><i class="x-icon x-graphic-child x-graphic-icon x-graphic-secondary" aria-hidden="true" data-x-icon-o="&#xf105;"></i></span><div class="x-anchor-text"><span class="x-anchor-text-primary">Mehr erfahren</span></div></div></span></div></a><a class="x-col e4096-e480 m35s-2k 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m35s-4w m35s-4x m35s-4z m35s-51 m35s-52 m35s-55 m35s-57"><div class="x-div e4096-e484 m35s-4s m35s-4t m35s-4u m35s-4w m35s-51 m35s-52 m35s-53 m35s-58"><div class="x-text x-text-headline e4096-e485 m35s-2y m35s-2z m35s-30 m35s-35 m35s-3c m35s-3d"><div class="x-text-content"><div class="x-text-content-text"><span class="x-text-content-text-primary">2023-03-27</span></div></div></div></div><div class="x-text x-text-headline e4096-e486 m35s-2z m35s-30 m35s-3c m35s-3e"><div class="x-text-content"><div class="x-text-content-text"><h3 class="x-text-content-text-primary">Jugendkonto Vergleich</h3></div></div></div><span class="x-anchor x-anchor-button has-graphic has-particle e4096-e487 m35s-3h m35s-3i m35s-3k m35s-3o m35s-3r m35s-3s m35s-3t m35s-3u m35s-3v m35s-8" tabindex="0" data-x-effect="{&quot;durationBase&quot;:&quot;300ms&quot;}"><span class="x-particle is-primary" data-x-particle="scale-x inside-b_l" aria-hidden="true"><span style=""></span></span><div class="x-anchor-content"><span 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data-x-effect="{&quot;durationBase&quot;:&quot;300ms&quot;}"><div class="x-anchor-content"><div class="x-anchor-text"><span class="x-anchor-text-primary">Mehr Finanztipps</span></div></div></a></div><div class="x-row e4096-e489 m35s-a m35s-b m35s-c m35s-d m35s-e m35s-f m35s-g m35s-s m35s-2i"><div class="x-row-inner"><div class="x-col e4096-e490 m35s-2k m35s-2l m35s-2m"><span class="x-image e4096-e491 m35s-4m m35s-4o"><img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20150%20150'%3E%3C/svg%3E" width="150" height="150" alt="Amalia Alibaev" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_A.png"><noscript><img decoding="async" src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_A.png" width="150" height="150" alt="Amalia Alibaev"></noscript></span></div><div class="x-col e4096-e492 m35s-2k m35s-2l m35s-2m"><div class="x-text x-text-headline e4096-e493 m35s-2y m35s-30 m35s-32 m35s-33 m35s-34 m35s-38 m35s-3f"><div class="x-text-content"><div class="x-text-content-text"><h3 class="x-text-content-text-primary">Amalia Alibaev</h3><span class="x-text-content-text-subheadline">Redaktion</span></div></div></div><div class="x-text x-content e4096-e494 m35s-40 m35s-42 m35s-43 m35s-44 m35s-45 m35s-46 m35s-47"><span>Amalia Alibaev hat in Brüssel Politikwissenschaften studiert und anschließend im Wiener Fintech-Sektor gearbeitet. Ihr tiefgreifendes Interesse an Geldthemen und Finanzprodukten, insbesondere in Deutschland, hat sie zu einer Expertin auf diesem Gebiet werden lassen. Ihre Stärke liegt in der Fähigkeit, komplexe Finanzbegriffe klar und direkt zu kommunizieren. Mit ihrer Erfahrung unterstützt sie unser Team dabei, Finanzvergleiche transparent und verständlich zu gestalten.</span></div></div></div></div><div class="x-row x-container max width e4096-e495 m35s-a m35s-c m35s-d m35s-e m35s-f m35s-g m35s-h m35s-i m35s-s m35s-2j"><div class="x-row-inner"><div class="x-col e4096-e496 m35s-2k m35s-2l m35s-2m m35s-2o m35s-2s m35s-2t m35s-2x"><a class="x-anchor x-anchor-button has-graphic e4096-e497 m35s-3g m35s-3h m35s-3i m35s-3j m35s-3k m35s-3l m35s-3t m35s-3x" tabindex="0" href="#" onclick="window.open(&#039;http://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.businessinsider.de%2Ffinanz-vergleich%2Fgeschaeftskonto-vergleich%2F&amp;t=Gesch%C3%A4ftskonto%20Vergleich&#039;, &#039;popupFacebook&#039;, &#039;width=650, height=270, resizable=0, toolbar=0, menubar=0, status=0, location=0, scrollbars=0&#039;); return false;"><div class="x-anchor-content"><span class="x-graphic" aria-hidden="true"><span class="x-image x-graphic-child x-graphic-image 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x-graphic-child x-graphic-image x-graphic-primary"><img src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2040%2040'%3E%3C/svg%3E" width="40" height="40" alt="Amalia Alibaev" data-lazy-src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_Albv.png"><noscript><img src="https://www.businessinsider.de/finanz-vergleich/wp-content/uploads/2023/10/Amalia_Albv.png" width="40" height="40" alt="Amalia Alibaev"></noscript></span></span><div class="x-text-content-text"><p class="x-text-content-text-primary">Amalia Alibaev</p><span class="x-text-content-text-subheadline">Redakteurin</span></div></div></div><div class="x-text x-content e4096-e9 m35s-3z m35s-40 m35s-41 m35s-42 m35s-43"><div class="author-name-wrapper author-name-wrapper-primary"> <div class="hover-bio-wrapper"> <div class="middle-container">Amalia Alibaev hat in Brüssel Politikwissenschaften studiert und anschließend im Wiener Fintech-Sektor gearbeitet. Ihr tiefgreifendes Interesse an Geldthemen und Finanzprodukten, insbesondere in Deutschland, hat sie zu einer Expertin auf diesem Gebiet werden lassen. 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