Current Account Test – Convenient comparison with the account computer
The banks and savings banks often offer checking accounts at very different prices and conditions. When looking for the right current account, it is worth taking a look at the current account tests of Stiftung Warentest. In the best case, you do not have to pay any fees for the current account as a customer and still receive extensive services.
Information about current account test winner
A look at the current checking account tests can help those interested in finding a very good checking account to their liking. Quite often, offers from banks or savings banks can also come into question for their own needs if they receive a very good test result in an independent comparison and are named test winner.
The comparison of different current accounts pays off for consumers almost always. Those who opt for the best checking account can save money. Even bank customers who already have a current account can compare the costs and service of the winners of the current account test with their current conditions and quickly determine whether a change of the provider may be worthwhile for them.
The nearest bank or savings bank does not always offer the best conditions for current account holders. If you want to save money, you should inquire in detail how much account maintenance fees and overdraft rates are with other providers. Often, switching to an online account can save costs.
Current account test 2016: Where the account management is still free
While Stiftung Warentest has found in examinations of earlier years many free current accounts, there are hardly any banks in the latest current account test of the consumer organization for the financial test issue 10/2016 , which require no fees for the account management . 104 financial institutes with 241 account models were scrutinized – only 24 of them are “without any ifs and buts” for free. In addition, there are fewer banks where there are no charges for the account under certain conditions. Instead of 38 as in the last test in 2014, there are now only 22 checking accounts.
According to Stiftung Warentest’s 2016 checking account, bank customers do not have to pay any fees for the following banks , with some direct banks and others operating predominantly in certain regions: 1822direkt, Comdirect Bank, Consorsbank, Edekabank, ING-DiBa, Netbank, Norisbank, Santander Bank, Santander Consumer Bank, Wüstenrot Bank, Spar Hessen, Southwest Bank and the PSD banks Lower Bavaria-Oberpfalz, Berlin-Brandenburg, Braunschweig, Hesse-Thuringia, Karlsruhe-Neustadt, Kiel, Koblenz, Cologne, Munich, Nuremberg, RheinNeckarSaar and Rhine-Ruhr ,
Attention: Since the financial institutions often offer several account models, interested people should pay close attention to which they choose in the end.
Current account test of Stiftung Warentest: Further test winner
Also in June 2014, a comprehensive checking account test was published in the financial test. The test shows that it is not necessary to pay money for his checking account. Because also free offers can convince with good performances. For the checking account test, a total of 176 accounts were checked. 68 of the current accounts examined are offered free of charge.
But just under half of the free checking accounts are unconditionally available. For 38 current accounts, certain conditions must be met. These include, for example, minimum cash receipts or no interest income.
According to the current account test online customers have the better choice. Because most of the free accounts are online offers. These completely free offers include, for example, current accounts from Comdirekt Bank, ING-DiBa, DAB Bank or Targobank. For retail customers, however, the offer for free current accounts according to Stiftung Warentest is much less diverse.
Determining a real checking account for test winners is difficult because of the different requirements for such an account. The different conditions for a free checking account make a direct comparison difficult. Since it depends entirely on the personal needs, which requirements a current account must fulfill, waived the financial test on the determination of a test winner. With the help of a checking account comparison computer, however, interested parties have the opportunity to find a checking account that exactly matches the individual requirements.
Stiftung Warentest checks outdated expenses
In addition to the account management costs and the credit interest, the amount of the discretionary interest is also crucial when selecting the right current account. A current account test of the Stiftung Warentest from August 2015 makes it clear that some vendors really rip off their customers with excessive overdraft rates.
If owners of a current account slip into the minus, the Dispozins is therefore up to 16 percent. This negative peak was determined by the current account test at Raiffeisenbank Trostberg-Traunreut. On the other hand, the disbursement rates of the more than 1,400 providers surveyed are most favorable at Deutsche Skatbank (4.49 percent), PSD Bank RheinNeckarSaar (5.04 percent) and Augsburger Aktienbank (5.05 percent).
Security while online banking
Especially if you use online banking very often, the security of the procedure plays a very important role. After all, you do not want to give any third party access to your money. For this reason, the security of the respective online banking procedure was an important criterion when choosing the right current account. The only partially secure iTan process is hardly ever used, meanwhile almost all banks rely on the highly secure mobileTan, eTan or ChipTan process. therefore, you do not have to worry about the bank’s lack of security when it comes to online banking, and you can focus on price and performance in your selection.
Find the best checking account
Which current account is perfect for your own needs depends, among other things, on how much money is spent each month on the respective account, how often the account holder makes bookings and how high the account balance is on average. To find out which bank or savings bank has the best checking account online or near you, you can use our free and non-binding current account calculator .
Compare not only the monthly base price and the account maintenance fees of the checking accounts, but also check, for example, which providers offer you a free credit card. Especially with free current accounts, make sure that access to the account is possible at any time.
Current account test: Compare now
Enter your wishes quickly and conveniently in the current account rate calculator and find out in just a few steps, which is your personal checking account test winner. You can easily compare the prices and services of individual offers, which may be suitable for you, and thus quickly recognize the advantages or disadvantages of checking accounts. Our calculator is free and without obligation.