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Postbank Online Banking – Bank Accounts & Credit

Postbank is one of the best German banks, if not the best bank in Germany. Their services are regularly tested and published in the media:

  • CHIP: Best Online Bank Nationwide 2015
  • Wirtschaftswoche: Best checking account in the category “new customers with online use”
  • Focus Money: Best installment loan
  • Focus Money: Safest Online Bank
  • Business Week: Best Business Account

In telephone and online banking, Postbank occupies a leading position in Germany. Around 9 million customer accounts are unlocked for online banking. And over 9 million accounts have access to telephone banking.

 

Postbank current accounts comparison

With our account comparison, we help you find the right checking account for your needs.
The following accounts are available to you:

 

Postbank Giro Plus – Das flexible Konto!

Account Management Fees: 3.90 € / month

Postbank Giro Plus benefits:

  • Free cash withdrawals at the counter and at over 10,000 ATMs
  • Postbank Visa Card in the 1st year for free
  • Pay cashless worldwide with the Postbank Visa Card
  • Day money account included
  • Online, mobile and personally on site – all with one account
  • 250 euros premium

 

Postbank Giro Plus Action:
With the completion of a Postbank Giro plus, customers receive a premium of up to 250 euros!
The premium is composed as follows:

  • 50 Euro BestChoice voucher on completion of the Postbank Giro plus
  • 50 Euro BestChoice voucher with active use as a salary account
  • 50 Euro BestChoice voucher for registration and activity with the online payment service Paydirekt
  • 50 Euro BestChoice voucher for 12 months loyalty
  • 50 Euro directly to the account upon a successful recommendation of the account

Go to the Postbank Giro Plus complete product information page

 

Postbank Giro Extra Plus – Das Komfort-Konto!

Account Management Fees: € 0.00 / month

Postbank Giro Extra Plus benefits:

  • Free account management
  • Free Visa Card
  • Securities deposit included
  • Postbank e-shopping advantages in online banking
  • Individual care
  • 250 € premium


Postbank Giro Extra Plus Action

With the opening of a Giro extra plus, new customers will now receive 200 euros in the form of BestChoice vouchers and 50 euros on the account for the successful recommendation.

Go to the Postbank Giro Extra Plus complete product information page

 

Postbank Giro Direkt – Das neue Online-Konto!

Account Management Fees: 1.90 € / month

Postbank Giro Direkt benefits:

  • At any time and mobile – on smartphones and tablets, with Android, iOS and Windows Phone
  • Referral release via language and fingerprint
  • Not usable as a joint account
  • Optional: Postbank Visa Card

Go to the Postbank Giro direct full product information page

 

Postbank Giro Start Direkt Junior – For all young people under 22!

Account Management Fees: € 0.00 / month

Postbank Giro Start Direkt Junior advantages:

  • Free * account management
  • Postbank Visa Card free of charge in the 1st year, then 22 Euro per year
  • Postbank e-shopping advantages in online banking
  • Online, mobile and personally on site – all with one account
  • Free cash withdrawals at the counter and at over 10,000 ATMs
    * Giro start directly for all young people until the age of 22 at voucher account management

Go to the Postbank Giro Start Direkt Junior full product information page

 

Postbank Fohlen-Konto – Das sportliche Konto!

Account Management Fees: 3.90 € / month

Postbank Fohlen-Konto benefits:

  • Postbank Visa motif card in fan design
  • Jersey of the Foal Elf as a gift
  • Postbank Fankurve: photos, videos, dates and competitions for fans
  • The checking account with fan package

When opening an account, you will receive a Postbank Visa Card in Borussia design and an original Borussia jersey! The Postbank Visa Card (credit card) is free of charge with the simultaneous opening of an account in the first year. With the jersey, you have the choice between the new home, away and event jersey from the 2018/2019 collection.

Go to the Postbank Fohlen-Konto complete product information page

 

Postbank Business Giro – Suitable for every business!
  • Up to 200 € Telekom vouchers in the telecom shop
  • 3 months without flat-rate accounting fee
  • 3 Postbank account models to choose from (Business Giro, Business Giro active or Business Giro active plus)
  • Including Postbank Business Assistant: The new app for B & uumlro and finance
  • Intelligent linking of mobile banking and deadline management
  • Postbank Card included
  • New app: Postbank Business Assistant

Go to the Postbank Business Giro full product information page

 

Das Postbank Depot! Secure low order fees and top service now!

The Postbank Depo Advantages:

  • Free custody account
  • From € 7.95 per order and a transparent price model
  • Online a maximum of 1% commission fee on funds
  • Access to all securities traded on German and selected international stock exchanges
  • Convenient deposit management thanks to Postbank online brokerage
  • Invest cleverly by analyzing the asset structure

Go to the Postbank Depot full product information page

 

Postbank Privatkredit Direkt (Postbank Personal Loan Direct) – Now with new conditions
  • Extra cheap online interest: 2.49% – 9.49% APR
  • Now fixed interest rate p.a .: 2.45% – 9.09% (depending on credit rating)
  • Net loan amount 3,000 € to 50,000 €
  • Flexible contract periods between 12 – 84 months
  • Flexible repayment

Representative example:
Net loan amount 10,000 Euro, amount of installments 183 Euro, duration in months and number of installments 60, total amount 10,970.12 Euro. The eff.  The annual interest rate is only 3.78%, the borrowing rate p. a. tied 3.71%.
These conditions receive at least 2/3 of the customers in the online financial statements of Postbank Personalkredit directly.

Go to the Postbank Privatkredit Direkt full product information page

 

Postbank Autokredit (Postbank Car Loan) – Cheap and flexible car or motorcycle financing!

Postbank Autokredit benefits:

  • Extra cheap online interest: 1.99% – 4.99% APR
  • Tied debit interest p.a .: 1.96% – 4.85% (dependent on credit rating)
  • Net loan amount of 3,000 euros – 50,000 euros
  • Amount of installments between 39 – 4.277 €
  • Cash discount at the dealer
  • Flexible repayment

Representative example:
Net loan amount 10,000 euros, amount of installments 224 euros, duration in months 48, number of installments 48, total amount 10,713 euros: The eff. Annual interest rate is only 3.49%, the interest rate p. a. tied 3.43%.
At least 2/3 of the customers receive these terms and conditions when they sign up for a Postbank car loan online.

Go to the Postbank Autokredit full product information page

 

Die Postbank Card (The Postbank Card)

The current account has the Postbank Card with various practical functions. For example V PAY – for secure cashless payment or cash payment.
And also the GeldKarte function – it transforms the card into an electronic wallet: simply load your desired amount and pay for it in the cafeteria, on the ticket machine or at the ticket machine. The search for small change thus has an end for all!

This Post Has 4 Comments

  1. Ehigie joy

    Please I need a credit card loan

    1. Ehigie Joy

      Please is possible for me to credit card in Germany

      1. Ahmad

        Hey Ehigie,
        It depends, but in principle if you legally stay in Germany and you’re older than 18, you get it!
        Best,
        Your TOP-10 ONLINE Team

  2. Corpely.com

    Online banking as well as the banking app are also very good at Postbank. If you have the access information, you can access your account from all around the world and make transfers.

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