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Die wichtigsten Infos zur neuen, staatlich geförderten Kapitalrente","Ab 2027 soll das Altersvorsorgedepot die private Vorsorge stärken. Förderung, Chancen und Risiken – verständlich erklärt, auch ohne Börsenerfahrung.",{"id":1025,"type":1026,"tags":3524,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3525,"isBroken":45},[],"33a0351f-12d1-4305-9916-5ba4a22b97fc",[3527],{"type":1034,"text":3528,"spans":3529,"direction":1037},"Ab 2027 soll das Altersvorsorgedepot die private Vorsorge attraktiver machen: mit Fonds, ETFs und staatlichen Zuschüssen. Das eröffnet neue Möglichkeiten, die längst überfällig erscheinen. Entscheidend für den Erfolg wird aber sein, ob davon auch Menschen profitieren, die bisher wenig mit der Börse zu tun hatten. Wir wollen unseren Beitrag dazu leisten, auch Börsenneulingen den Zugang zum Kapitalmarkt zu erleichtern.",[],{"id":3531,"type":1040,"tags":3532,"lang":13,"slug":3533,"first_publication_date":3534,"last_publication_date":3534,"uid":3535,"link_type":43,"key":3536,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","b0484330-f724-44c3-ac07-efd4d1fb710f",{"dimensions":3538,"alt":3540,"copyright":3541,"url":3542,"id":3543,"edit":3544},{"width":3539,"height":1048},1500,"Senior Männer mit lustigen Sonnenbrillen trinken Saft","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress","y9_TzIa2tDJM7HTZ",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":3546,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3547,"isBroken":45},[],"3333668b-8d93-4604-af65-2e6f1bd60b21",[3549,3641,3654],{"variation":1062,"version":1063,"items":3550,"primary":3551,"id":3640,"slice_type":1107,"slice_label":5},[],{"text":3552,"chart_alt":5},[3553,3556,3559,3562,3565,3567,3570,3573,3576,3579,3582,3585,3592,3599,3615,3623,3625,3628,3631,3634,3637],{"type":1068,"text":3554,"spans":3555,"direction":1037},"Endlich mehr Chancen fürs Alter ",[],{"type":1034,"text":3557,"spans":3558,"direction":1037},"Besser spät als nie. Auch wenn kein Geringerer als Bundeskanzler Friedrich Merz gerade eingeräumt hat, dass man mit der neuen Kapitalrente 30 Jahre früher hätte beginnen können – ab nächstem Jahr fördert der Staat private Sparen ohne verpflichtende Kapitalgarantie: über das neue Altersvorsorgedepot. Neue Produkte sollen ab dem 1. Januar 2027 angeboten werden.",[],{"type":1034,"text":3560,"spans":3561,"direction":1037},"Angesichts der demographischen Herausforderungen, vor denen umlagefinanzierte Rentensysteme stehen, ist dieser Schritt ausgesprochen sinnvoll. Denn Garantien schaffen zwar Planungssicherheit, zugleich begrenzen sie aber den Spielraum für renditeorientierte Anlagen, die naturgemäß auch mit dem Risiko von (vorübergehenden) Verlusten verbunden sind. Wer Geld fürs Alter anspart, hat aber meist einen Anlagehorizont, der lang genug ist, um solche Phasen unbeschadet zu überstehen. ",[],{"type":1034,"text":3563,"spans":3564,"direction":1037},"Damit ist zugleich gesagt, dass die neue Kapitalrente für die junge Generation deutlich attraktiver ist als für rentennahe Jahrgänge. Denn Zeit lässt sich beim Vermögensaufbau nicht nachliefern. ",[],{"type":1034,"text":1725,"spans":3566,"direction":1037},[],{"type":1068,"text":3568,"spans":3569,"direction":1037},"Mehr Möglichkeiten und mehr Eigenverantwortung ",[],{"type":1034,"text":3571,"spans":3572,"direction":1037},"Seit der Jahrtausendwende wirbt die Politik intensiv dafür, neben der gesetzlichen auch in die private Altersvorsorge zu investieren. Das Altersvorsorgedepot schafft dafür einen neuen, zeitgemäßen Rahmen: Sparer können stärker am Kapitalmarkt investieren und erhalten dabei Unterstützung vom Staat. Die Aussicht auf höhere Erträge ist gerade bei einer langen Ansparzeit ein guter Grund, sich mit dem Angebot zu beschäftigen. ",[],{"type":1034,"text":3574,"spans":3575,"direction":1037},"Mehr Wahlfreiheit bedeutet allerdings auch, dass Anleger Entscheidungen treffen müssen: Welcher Anbieter passt am besten zu mir? Wie hoch sind die Kosten eines Altersvorsorgedepot? Welche Schwankungen kann oder will ich aushalten?  ",[],{"type":1034,"text":3577,"spans":3578,"direction":1037},"Diese – und viele weitere - Fragen verdienen verständliche Antworten. ",[],{"type":1075,"text":3580,"spans":3581,"direction":1037},"Ist ein Einstieg auch ohne Börsenerfahrung möglich? ",[],{"type":1034,"text":3583,"spans":3584,"direction":1037},"Auf jeden Fall. Wer bisher auf dem Sparkonto gespart hat, sollte sich aber zunächst mit einigen neuen Begriffen vertraut machen, die im Zusammenhang mit dem neuen Altersvorsorgedepot begegnen können.  ",[],{"type":1520,"text":3586,"spans":3587,"direction":1037},"Ein ETF (Exchange Traded Fund) ist ein börsengehandelter Fonds, der meist einen bestimmten Börsenindex nachbildet. Ein weltweit gestreuter Aktien-ETF verteilt das Geld also auf viele Unternehmen. Das reduziert die Abhängigkeit von Einzeltiteln und damit der Performance einzelner Unternehmen. Verluste – etwa während großer Wirtschaftskrisen – bleiben aber möglich.  ",[3588,3589],{"start":1647,"end":1562,"type":1105},{"start":3590,"end":3591,"type":1105},102,103,{"type":1520,"text":3593,"spans":3594,"direction":1037},"Ein Sparplan ist – grob vereinfacht – eine Art Dauerauftrag für den Kapitalmarkt. Kunden investieren dabei jeden Monat einen bestimmten Betrag in bestimmte Wertpapiere oder Fonds. Auch hier kann der Wert der angesparten Summe zwischenzeitlich sinken. Da das Geld allerdings langfristig angelegt wird, stehen die Chancen gut, am Ende der Laufzeit besser abzuschneiden als mit festverzinslichen Anlagen.  ",[3595,3598],{"start":1647,"end":1788,"type":1084,"data":3596},{"id":151,"type":107,"tags":3597,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"start":1647,"end":1788,"type":1105},{"type":1520,"text":3600,"spans":3601,"direction":1037},"Für Neulinge am Kapitalmarkt, die ihre Risiken zumindest begrenzen wollen, kann auch eine Entscheidung für das Standarddepot sinnvoll sein. Der Begriff bezeichnet eine etwas sicherheitsorientiertere Version des Altersvorsorgedepots. Wer die Anlagen für das Altersvorsorgedepot nicht zusammenzustellen kann oder will, kann sich für dieses besonders einfach gestaltete Produkt mit weitgehend vorgegebenen Einstellungen entscheiden. Verständliche Informationen zu Kosten und Risiken bleiben aber auch hier wichtig.",[3602,3607,3609,3612],{"start":3603,"end":3604,"type":1084,"data":3605},111,124,{"id":141,"type":107,"tags":3606,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":3603,"end":3608,"type":1105},125,{"start":3610,"end":3611,"type":1105},138,140,{"start":3613,"end":3614,"type":1105},167,168,{"type":1034,"text":3616,"spans":3617,"direction":1037},"Mehr erfahren Sie in unserer Übersicht zum Altersvorsorgedepot. ",[3618],{"start":3619,"end":3620,"type":1084,"data":3621},29,62,{"id":173,"type":107,"tags":3622,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"isBroken":45},[],{"type":1034,"text":1725,"spans":3624,"direction":1037},[],{"type":1068,"text":3626,"spans":3627,"direction":1037},"Wie profitieren Sparer von der staatlichen Förderung? ",[],{"type":1034,"text":3629,"spans":3630,"direction":1037},"Die höchsten staatlichen Förderungen erhalten Sparer, die einen Eigenbetrag von 1.800 Euro pro Jahr fürs Alter aufbringen. Das entspricht einer monatlichen Sparrate von 150 Euro. Wer so viel investiert, erhält in jedem Fall die Grundzulage von 540 Euro, so dass am Ende 2.340 Euro pro Jahr für die Vorsorge zusammenkommen.",[],{"type":1034,"text":3632,"spans":3633,"direction":1037},"Welche Summen langfristig realisierbar sind, verdeutlicht dieses vereinfachte Beispiel: Eine förderberechtigte Person eröffnet 2027 mit 25 Jahren ein Altersvorsorgedepot und spart 42 Jahre bis zum 67. Geburtstag. Bei 1.800 Euro Eigenbeitrag pro Jahr und angenommenen fünf Prozent Rendite nach Kosten entstehen rechnerisch rund 243.000 Euro ohne Zulage. Mit jährlich 540 Euro Grundzulage wären es rund 316.000 Euro. Dieser Betrag muss nach den dann geltenden Regeln zwar versteuert werden. Dennoch zeigt das Beispiel, was mit dem Altersvorsorgedepot möglich ist. ",[],{"type":1034,"text":3635,"spans":3636,"direction":1037},"Wer Nachwuchs hat, kann zusätzlich nochmal bis zu 300 Euro pro Kinder erhalten. Diesen Höchstbetrag gibt es aber erst ab 300 Euro Eigenleistung pro Sprössling und Jahr.",[],{"type":1034,"text":3638,"spans":3639,"direction":1037},"Wichtig: Sowohl die Beiträge als auch die Zulagen werden in unserer Beispielsrechnung jeweils zum Jahresende angelegt; die Förderung bleibt unverändert. Die Rechnung zeigt den Zulageneffekt bei einer angenommenen Rendite, keinen vollständigen Vergleich mit einem normalen Depot. Die Zuschüsse erhöhen den Anlagebetrag, nicht die Börsenrendite.",[],"text_block$d1528723-9ab8-45ae-a7a6-074e14ce749d",{"variation":1062,"version":1063,"items":3642,"primary":3643,"id":3652,"slice_type":3653,"slice_label":5},[],{"image":3644,"image_url":5,"caption":3651},{"dimensions":3645,"alt":3647,"copyright":5,"url":3648,"id":3649,"edit":3650},{"width":1048,"height":3646},566,"Vorsorgedepot: Grafik zum Verlauf der Rendite - mit und ohne Zulage","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FwKc0kZadQ6C-bN8d_GrafikAltersvorsorgedepotwirkung.jpg?auto=format,compress","wKc0kZadQ6C-bN8d",{"x":24,"y":24,"zoom":25,"background":26},[],"image$1aba26bb-4815-42dc-b041-2f2002180c1f","image",{"variation":1062,"version":1063,"items":3655,"primary":3656,"id":3698,"slice_type":1107,"slice_label":5},[],{"text":3657,"chart_alt":5},[3658,3661,3664,3667,3670,3673,3676,3689,3692,3695],{"type":1068,"text":3659,"spans":3660,"direction":1037},"Was passiert mit der Riester-Rente, wenn das Altersvorsorgedepot kommt? ",[],{"type":1034,"text":3662,"spans":3663,"direction":1037},"Bestehende Riester-Verträge werden nicht automatisch beendet oder umgewandelt. Sie können Ihren Vertrag mit der bisherigen Förderung weiter besparen oder ihn beitragsfrei stellen, ohne dass bereits erhaltene Zulagen verloren gehen.",[],{"type":1034,"text":3665,"spans":3666,"direction":1037},"Ab 2027 können Sie Ihr Guthaben auch direkt in ein Altersvorsorgedepot übertragen, ohne die bisherige Förderung zurückzahlen zu müssen. Sollten Sie mit dieser Option liebäugeln, prüfen Sie vorher unbedingt die Kosten und Garantien Ihres Anbieters, um Verluste zu vermeiden.  ",[],{"type":1034,"text":3668,"spans":3669,"direction":1037},"Alternativ gibt es auch die Möglichkeit, den Riester-Vertrag zu behalten und nur zur neuen staatlichen Förderung wechseln. Auch ein solches Vorgehen ist aber nicht immer lukrativ. Verbraucherschützer empfehlen daher, sich im Vorfeld beraten zu lassen. zumal der Wechsel in die neue Fördersystematik grundsätzlich alle Riester-Verträge eines Kunden betrifft und sich nicht rückgängig machen lässt.",[],{"type":1034,"text":3671,"spans":3672,"direction":1037},"Vorsicht: Eine vorzeitige Auszahlung der Riesterrente zur freien Verwendung kostet Sie alle bis dahin erhaltene Fördermittel. Sie müssen also Zulagen und Steuervorteile zurückzahlen. Kosten und Steuern auf Erträge können den Auszahlungsbetrag zusätzlich mindern. Bitten Sie Ihren Anbieter daher vor einer Kündigung unbedingt, Ihnen den voraussichtlichen Auszahlungsbetrag zu nennen und dabei alle Abzüge zu berücksichtigen. Bedenken Sie zudem, dass auf die Erträge Steuern anfallen können. Eine Verbraucherzentrale kann Sie bei der Entscheidung für oder gegen die vorzeitige Kündigung ihres Vertrages unabhängig beraten.",[],{"type":1068,"text":3674,"spans":3675,"direction":1037},"Wo finden Interessenten die besten Anbieter? ",[],{"type":1034,"text":3677,"spans":3678,"direction":1037},"Ob ein Anbieter überzeugt, hängt auch von seinen Kosten ab. Mit dem FMH-Fondsrenditerechner können Sie deren Wirkung durchspielen. Für flexiblen Vermögensaufbau bietet der FMH-Depotvergleich Orientierung. Wichtig ist es allerdings, sich noch einmal die Unterschiede zwischen einem herkömmlichen und dem Altersvorsorgedepot vor Augen führen:  ",[3679,3684],{"start":3680,"end":3681,"type":1084,"data":3682},68,91,{"id":249,"type":107,"tags":3683,"lang":13,"slug":251,"first_publication_date":252,"last_publication_date":253,"uid":254,"url":255,"link_type":43,"isBroken":45},[217],{"start":3685,"end":3686,"type":1084,"data":3687},172,190,{"id":141,"type":107,"tags":3688,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1034,"text":3690,"spans":3691,"direction":1037},"Fürs normale Depot gibt es keine Zulagen und es gelten andere Steuerregeln. Im Altersvorsorgedepot bleiben Erträge und Wertsteigerungen während der Ansparphase steuerfrei. Die späteren Auszahlungen aus dem geförderten Kapital sind dagegen vollständig mit Ihrem persönlichen Einkommensteuersatz zu versteuern – einschließlich der eingezahlten Beiträge und Zulagen. Zudem können Sparer bis zur Rente nicht auf ihr Geld zugreifen – es sei denn, sie zahlen die Förderung und Steuervorteile zurück.  ",[],{"type":1034,"text":3693,"spans":3694,"direction":1037},"Im Gegensatz dazu fällt im normalen Depot auf alle Erträge sofort die Abgeltungsteuer in Höhe von 25 Prozent. Hinzu kommen 5,5 Prozent Solidaritätszuschlag und ggfls. die Kirchensteuer. Dafür haben Sie jederzeit Zugriff auf Ihr Geld. ",[],{"type":1034,"text":3696,"spans":3697,"direction":1037},"Fazit: Das Altersvorsorgedepot kann die private Vorsorge verbessern, vor allem für Beschäftigte, die noch viel Zeit bis zur Rente und somit einen langen Anlagehorizont haben. Umso wichtiger ist jetzt, dass auch Menschen ohne Börsenerfahrung das neue Angebot verstehen. Wir von der FMH wollen dazu unseren Beitrag leisten. Denn nur so kann aus mehr Eigenverantwortung tatsächlich mehr Handlungsspielraum für die Rente werden. \n ",[],"text_block$12604a7f-7f69-40aa-88bb-d920aa2860b5","Altersvorsorgedepot ab 2027: Chancen & Förderung | FMH","Das Altersvorsorgedepot ab 2027 verständlich erklärt: staatliche Förderung, ETFs, Kosten und Risiken. Was Börsenneulinge und Riester-Sparer wissen sollten.",{"dimensions":3702,"alt":3540,"copyright":3541,"url":3703,"id":3543,"edit":3704},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":3705,"zoom":25,"background":26},106,{"id":3707,"uid":1448,"url":3708,"type":319,"href":3709,"tags":3710,"first_publication_date":3711,"last_publication_date":3712,"slugs":3713,"linked_documents":3715,"lang":13,"alternate_languages":3716,"data":3717},"aMLySBEAACIAioqt","\u002Fartikel\u002Fdie-besten-broker-fuer-etf-anleger-2024-09","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLySBEAACIAioqt%22%29+%5D%5D",[366,145],"2025-11-05T13:40:32+0000","2026-10-16T09:29:23+0000",[3714],"doch-was-ist-ein-etf",[],[],{"publication_date":3718,"last_edit_date":3718,"set_last_edit_date_today":45,"title":3719,"subtitle":3720,"breadcrumb_title":5,"topic":3721,"teaser":3724,"author":3728,"cover":3731,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":3737,"slices":3740,"meta_title":3788,"meta_description":3789,"meta_image":3790,"meta_indexed":1116},"2024-09-30","Die besten Broker für ETF-Anleger 2024","Ihr Sprungbrett in die ETF-Welt: Broker, die den Unterschied machen",{"id":1025,"type":1026,"tags":3722,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3723,"isBroken":45},[],"749a1f26-1264-421f-9bc4-6e0ab4c6697c",[3725],{"type":1034,"text":3726,"spans":3727,"direction":1037},"Geringe Ordergebühren und kostenlose Sparpläne sind positiv für Ihre langfristige Geldanlage, da sie Ihre Rendite weniger schmälern. Die WirtschaftsWoche hat in Zusammenarbeit mit der FMH-Finanzberatung die besten Broker für ETF-Anleger ermittelt.",[],{"id":1039,"type":1040,"tags":3729,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":3730,"isBroken":45},[],"dcc10bcf-6851-42ad-b74d-ea4005cb2dcb",{"dimensions":3732,"alt":3733,"copyright":1051,"url":3734,"id":3735,"edit":3736},{"width":3539,"height":1048},"Fallschirmspringer in der Luft","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl6mGNHVfTPDhZ_c90e26a0d601b374c986dbad43a6a013b8bb1f62-skydiver-deluxe.jpg?auto=format,compress","aMLl6mGNHVfTPDhZ",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":3738,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3739,"isBroken":45},[],"9381c704-da56-4ca8-933d-4f2b3cdd72db",[3741],{"variation":1062,"version":1063,"items":3742,"primary":3743,"id":3787,"slice_type":1107,"slice_label":5},[],{"text":3744,"chart_alt":5},[3745,3748,3751,3754,3757,3760,3767,3770,3773,3776,3779],{"type":1068,"text":3746,"spans":3747,"direction":1037},"Doch was ist ein ETF?",[],{"type":1034,"text":3749,"spans":3750,"direction":1037},"Ein ETF (Exchange Traded Fund) ist ein börsengehandelter Indexfonds, der die Entwicklung eines Indizes wie den DAX nachbildet. ETFs ermöglichen eine kostengünstige, breit diversifizierte Geldanlage.",[],{"type":1034,"text":3752,"spans":3753,"direction":1037},"Kosten sind entscheidend: Jeder gesparte Euro wird direkt investiert und steigert langfristig die Rendite. Ein Vergleich der Brokergebühren für Einmalanlagen und Sparpläne lohnt sich in jedem Fall.",[],{"type":1075,"text":3755,"spans":3756,"direction":1037},"Kostenunterschiede bei ETF-Sparplänen beachten",[],{"type":1034,"text":3758,"spans":3759,"direction":1037},"Bei ETF-Sparplänen gibt es erkennbare Unterschiede: Einige Broker bieten kostenfreie Handelsoptionen, andere erheben dafür Gebühren – entweder prozentual oder als Eurobetrag. Langfristig tragen die Kosten zum Erfolg einer Geldanlage mit bei. Viele Online-Broker bieten inzwischen kostenlose ETF-Sparpläne an.",[],{"type":1034,"text":3761,"spans":3762,"direction":1037},"Die FMH-Finanzberatung hat die Depots von 14 Online-Brokern und 11 Geschäftsbanken für die WirtschaftsWoche analysiert. Dabei wurde ein Transaktionsvolumen von einmal 500 € und einmal 1.000 € pro Trade angenommen.",[3763],{"start":3681,"end":3764,"type":1084,"data":3765},107,{"link_type":49,"url":3766,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fgeldanlage-die-besten-broker-fuer-etf-anleger\u002F29985454.html",{"type":1068,"text":3768,"spans":3769,"direction":1037},"Die besten Broker bei geringem Transaktionsvolumen",[],{"type":1034,"text":3771,"spans":3772,"direction":1037},"Unter den Online-Brokern haben Traders Place, finanzen.net zero, Scalable Capital, Trade Republic, Smartbroker+ und XTB mit „sehr gut“ abgeschnitten. Insgesamt waren die Kostenunterschiede gering, während die Transaktionskosten bei Geschäftsbanken deutlich höher ausfielen. Die ING und die Santander konnten sich ebenfalls von Ihren Mitbewerbern absetzen und erhielten beide die Bewertung „sehr gut“.",[],{"type":1068,"text":3774,"spans":3775,"direction":1037},"Die besten Broker bei hohen Transaktionsvolumen",[],{"type":1034,"text":3777,"spans":3778,"direction":1037},"Scalable Capital, Trade Republic, Traders Place, finanzen.net zero, Smartbroker+, flatex und XTB erhielten ebenfalls die Note ‘sehr gut’ unter den Online-Brokern. Bei den Geschäftsbanken überzeugten die DKB Deutsche Kreditbank und die Santander mit einem „sehr gut“.",[],{"type":1034,"text":3780,"spans":3781,"direction":1037},"Sind Sie noch unentschlossen, welches Depot das richtige für Sie ist? Finden Sie das passende Depot für Ihre Ansprüche in unserem Depot-Vergleich.",[3782],{"start":3783,"end":3784,"type":1084,"data":3785},130,146,{"id":141,"type":107,"tags":3786,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$10604936-b275-42a8-8212-0c8856377dcf","ETF-Broker im Vergleich: Die besten für Anleger | FMH","Die besten Broker für ETF-Anleger im Vergleich: FMH prüft Top-Anbieter und zeigt, welches Depot zu Ihren ETFs passt. Jetzt Ergebnisse entdecken.",{"dimensions":3791,"alt":3733,"copyright":1051,"url":3792,"id":3735,"edit":3793},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl6mGNHVfTPDhZ_c90e26a0d601b374c986dbad43a6a013b8bb1f62-skydiver-deluxe.jpg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":523,"uid":528,"url":529,"type":319,"href":3795,"tags":3796,"first_publication_date":526,"last_publication_date":527,"slugs":3797,"linked_documents":3798,"lang":13,"alternate_languages":3799,"data":3800},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anHRkBEAACoAfJ9s%22%29+%5D%5D",[],[525],[],[],{"publication_date":3801,"last_edit_date":3801,"set_last_edit_date_today":45,"title":3802,"subtitle":5,"breadcrumb_title":5,"topic":3803,"teaser":3811,"author":3820,"cover":3823,"cover_position":1055,"table_of_content":3832,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":3833,"slices":3836,"meta_title":3975,"meta_description":3976,"meta_image":3977,"meta_indexed":1116},"2026-08-04","Die besten Girokonten für junge Erwachsene 2026",{"id":3804,"type":1026,"tags":3805,"lang":13,"slug":3806,"first_publication_date":3807,"last_publication_date":3808,"uid":3809,"link_type":43,"key":3810,"isBroken":45},"aPDk8xIAACAAaSR6",[],"konto--karte","2025-10-16T12:28:58+0000","2025-10-24T10:12:13+0000","konto-karte","856cb2e4-5036-486b-8dc0-6deb92cb6dd1",[3812],{"type":1034,"text":3813,"spans":3814,"direction":1037},"Mit dem ersten Gehalt, der Ausbildung oder dem Studium wird ein eigenes Girokonto unverzichtbar. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche untersucht, welche Girokonten für junge Erwachsene 2026 mit niedrigen Gebühren, attraktiven Zusatzleistungen und fairen Konditionen überzeugen.",[3815],{"start":3816,"end":3817,"type":1084,"data":3818},127,166,{"link_type":49,"url":3819,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-2026-das-ist-das-beste-girokonto-fuer-junge-erwachsene\u002F100238149.html",{"id":3531,"type":1040,"tags":3821,"lang":13,"slug":3533,"first_publication_date":3534,"last_publication_date":3534,"uid":3535,"link_type":43,"key":3822,"isBroken":45},[],"0d2d40c4-f63f-4046-9ed6-0857bd7ad574",{"dimensions":3824,"alt":3827,"copyright":3828,"url":3829,"id":3830,"edit":3831},{"width":3825,"height":3826},1200,800,"Fröhliche Freunde, die auf der Stadtstraße Pizza essen","DavideAngelini, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FqC4kowPEO5sfLlcB_junge-erwachsene-essen-pizza.jpg?auto=format,compress","qC4kowPEO5sfLlcB",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"id":3804,"type":1026,"tags":3834,"lang":13,"slug":3806,"first_publication_date":3807,"last_publication_date":3808,"uid":3809,"link_type":43,"key":3835,"isBroken":45},[],"94ef951c-d168-46a8-ab82-3cfed6325df3",[3837],{"variation":1062,"version":1063,"items":3838,"primary":3839,"id":3974,"slice_type":1107,"slice_label":5},[],{"text":3840,"chart_alt":5},[3841,3844,3847,3850,3853,3863,3866,3869,3872,3875,3878,3881,3884,3887,3893,3899,3906,3909,3914,3918,3921,3925,3929,3933,3936,3939,3942,3945,3948,3951,3954,3957,3960,3967],{"type":1068,"text":3842,"spans":3843,"direction":1037},"Der richtige Zeitpunkt für das erste eigene Girokonto",[],{"type":1034,"text":3845,"spans":3846,"direction":1037},"Viele Jugendliche besitzen bereits vor ihrem 18. Geburtstag ein eigenes Konto. Spätestens mit dem Einstieg in Ausbildung, Studium oder Beruf wird ein Girokonto jedoch unverzichtbar. Gehaltseingänge, Mietzahlungen, Online-Einkäufe oder Reisen lassen sich ohne eigenes Konto kaum noch organisieren.",[],{"type":1034,"text":3848,"spans":3849,"direction":1037},"Während Kinder- und Jugendkonten meist auf grundlegende Zahlungsfunktionen beschränkt sind, erweitern sich ab der Volljährigkeit die Möglichkeiten. Kreditkarten, Dispokredite und weitere Zusatzleistungen gehören dann häufig zum Angebot.",[],{"type":1075,"text":3851,"spans":3852,"direction":1037},"Was wurde untersucht?",[],{"type":1034,"text":3854,"spans":3855,"direction":1037},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche Girokonten für junge Erwachsene ab 18 Jahren analysiert.",[3856,3858],{"start":1647,"end":2588,"type":1084,"data":3857},{"link_type":49,"url":57,"target":52},{"start":3859,"end":3860,"type":1084,"data":3861},104,114,{"link_type":49,"url":3862,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-kostenlosen-girokonten-f-r-junge-erwachsene-wirtschaftswoche",{"type":1034,"text":3864,"spans":3865,"direction":1037},"Bewertet wurden unter anderem:",[],{"type":1520,"text":3867,"spans":3868,"direction":1037},"Kontoführungsgebühren",[],{"type":1520,"text":3870,"spans":3871,"direction":1037},"Gebühren für Debit- und Kreditkarten",[],{"type":1520,"text":3873,"spans":3874,"direction":1037},"Höhe des Dispozinses",[],{"type":1520,"text":3876,"spans":3877,"direction":1037},"Zusatzleistungen und Rabatte",[],{"type":1520,"text":3879,"spans":3880,"direction":1037},"Altersgrenzen der kostenlosen Kontoführung",[],{"type":1034,"text":3882,"spans":3883,"direction":1037},"Insgesamt erhielten vier Direktbanken sowie fünf Filialbanken die Bewertung „sehr gut“.",[],{"type":1068,"text":3885,"spans":3886,"direction":1037},"Die besten Direktbanken",[],{"type":1034,"text":3888,"spans":3889,"direction":1037},"Bei den Direktbanken belegt die Consorsbank den ersten Platz. Das Girokonto ist bis zum 30. Lebensjahr kostenlos und bietet gebührenfreie Debit- und Kreditkarten sowie kostenfreie Bargeldabhebungen weltweit.",[3890],{"start":3891,"end":3892,"type":1105},32,43,{"type":1034,"text":3894,"spans":3895,"direction":1037},"Auf Platz zwei folgt die C24 Bank. Das Konto ist dauerhaft kostenlos und überzeugt zusätzlich mit Guthabenverzinsung, Cashback sowie mehreren Unterkonten.",[3896],{"start":3897,"end":3898,"type":1105},25,33,{"type":1034,"text":3900,"spans":3901,"direction":1037},"Ebenfalls mit „sehr gut“ ausgezeichnet wurden die PSD Bank Rhein-Ruhr (Regionalbank mit überregionalen Angebot) und comdirect.",[3902,3905],{"start":3903,"end":3904,"type":1105},50,69,{"start":1700,"end":3608,"type":1105},{"type":1075,"text":3907,"spans":3908,"direction":1037},"Die besten Filialbanken",[],{"type":1034,"text":3910,"spans":3911,"direction":1037},"Unter den Filialbanken erreicht die BW-Bank den ersten Platz. Das Girokonto bleibt bis zum 29. Lebensjahr kostenlos und bietet weltweit gebührenfreie Bargeldabhebungen sowie eine kostenfreie Kreditkarte.",[3912],{"start":3913,"end":3892,"type":1105},36,{"type":1034,"text":3915,"spans":3916,"direction":1037},"Die BBBank folgt auf Platz zwei. Neben einer kostenfreien Kontoführung profitieren junge Erwachsene von einer attraktiven Startprämie.",[3917],{"start":1647,"end":1584,"type":1105},{"type":1034,"text":3919,"spans":3920,"direction":1037},"Weitere Institute mit der Bewertung „sehr gut“ sind:",[],{"type":1520,"text":3922,"spans":3923,"direction":1037},"Openbank (by Santander)",[3924],{"start":24,"end":1082,"type":1105},{"type":1520,"text":3926,"spans":3927,"direction":1037},"HypoVereinsbank",[3928],{"start":24,"end":1589,"type":1105},{"type":1520,"text":3930,"spans":3931,"direction":1037},"Commerzbank",[3932],{"start":24,"end":1734,"type":1105},{"type":1075,"text":3934,"spans":3935,"direction":1037},"Worauf junge Erwachsene achten sollten",[],{"type":1034,"text":3937,"spans":3938,"direction":1037},"Ein kostenloses Girokonto ist häufig nur ein Teil des Gesamtpakets. Ebenso wichtig sind:",[],{"type":1520,"text":3940,"spans":3941,"direction":1037},"kostenlose Debit- und Kreditkarten",[],{"type":1520,"text":3943,"spans":3944,"direction":1037},"niedrige Dispozinsen",[],{"type":1520,"text":3946,"spans":3947,"direction":1037},"kostenfreie Bargeldversorgung",[],{"type":1520,"text":3949,"spans":3950,"direction":1037},"attraktive Zusatzleistungen oder Startprämien",[],{"type":1520,"text":3952,"spans":3953,"direction":1037},"möglichst lange oder unbegrenzte kostenlose Kontoführung",[],{"type":1034,"text":3955,"spans":3956,"direction":1037},"Eine Verzinsung auf das Guthaben kann ein zusätzlicher Vorteil sein, spielt bei den meist geringen Kontoguthaben jedoch eine untergeordnete Rolle. Deutlich wichtiger sind dauerhaft niedrige Gebühren und ein Konto, das zur eigenen Lebenssituation passt.",[],{"type":1068,"text":3958,"spans":3959,"direction":1037},"Fazit: Ein Vergleich zahlt sich aus",[],{"type":1034,"text":3961,"spans":3962,"direction":1037},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche (Artikel vom 07.07.2026) zeigt, dass junge Erwachsene aus einer Vielzahl attraktiver Girokonten wählen können. Die Unterschiede liegen häufig nicht bei der Kontoführung selbst, sondern bei Kartengebühren, Zusatzleistungen und den Bedingungen nach Ablauf der Altersgrenze.",[3963,3965],{"start":1647,"end":1648,"type":1084,"data":3964},{"link_type":49,"url":3862,"target":52},{"start":2953,"end":3904,"type":1084,"data":3966},{"link_type":49,"url":3819,"target":52},{"type":1034,"text":3968,"spans":3969,"direction":1037},"Der FMH Girokonto-Vergleich hilft dabei, das passende Konto für Studium, Ausbildung oder den Berufseinstieg zu finden.",[3970],{"start":1647,"end":3971,"type":1084,"data":3972},27,{"id":476,"type":107,"tags":3973,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$9bb555ed-6d8d-46e1-b167-9e0d04e0f2fa","Beste Girokonten für junge Erwachsene 2026 | FMH","Die besten Girokonten für junge Erwachsene 2026 im FMH- und WirtschaftsWoche-Vergleich: kostenlose Konten, Karten, Prämien und Konditionen prüfen.",{"dimensions":3978,"alt":3827,"copyright":3828,"url":3979,"id":3830,"edit":3980},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FqC4kowPEO5sfLlcB_junge-erwachsene-essen-pizza.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":3981,"zoom":25,"background":26},85,{"id":3983,"uid":1449,"url":3984,"type":319,"href":3985,"tags":3986,"first_publication_date":3988,"last_publication_date":3989,"slugs":3990,"linked_documents":3992,"lang":13,"alternate_languages":3993,"data":3994},"aMLyDBEAAB8Aiooo","\u002Fartikel\u002Fdie-besten-bauspartarife-2024-01","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyDBEAAB8Aiooo%22%29+%5D%5D",[366,3987],"bausparen","2025-11-05T13:01:04+0000","2026-07-24T07:58:56+0000",[3991],"wo-finden-kunden-die-besten-konditionen",[],[],{"publication_date":3995,"last_edit_date":3995,"set_last_edit_date_today":45,"title":3996,"subtitle":3997,"breadcrumb_title":5,"topic":3998,"teaser":4004,"author":4008,"cover":4011,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":4017,"slices":4018,"meta_title":4060,"meta_description":4061,"meta_image":4062,"meta_indexed":1116},"2024-01-30","Die besten Bauspartarife 2024","FMH-Recherche für die Wirtschaftswoche",{"id":3999,"type":1026,"tags":4000,"lang":13,"slug":94,"first_publication_date":4001,"last_publication_date":4002,"uid":94,"link_type":43,"key":4003,"isBroken":45},"aPDlUxIAACAAaSVI",[],"2025-10-16T12:30:18+0000","2025-10-24T10:12:22+0000","f6055b9e-d0a0-4b1d-84bc-7165f0d2bf00",[4005],{"type":1034,"text":4006,"spans":4007,"direction":1037},"Bausparen erlebt eine Renaissance. Doch welche Bausparkassen machen Kunden die besten Angebote? Das hat die FMH-Finanzberatung für die WirtschaftsWoche ermittelt.",[],{"id":1039,"type":1040,"tags":4009,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":4010,"isBroken":45},[],"495bd41b-be2d-46dc-a4e2-80994f93cbc1",{"dimensions":4012,"alt":4013,"copyright":1051,"url":4014,"id":4015,"edit":4016},{"width":1048,"height":1049},"Familie zieht ins Haus ein","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmg2GNHVfTPDjf_81b9039304608576f256f53e2f6fcc4d1cca4757-familie-zieht-ein.jpg?auto=format,compress","aMLmg2GNHVfTPDjf",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4019],{"variation":1062,"version":1063,"items":4020,"primary":4021,"id":4059,"slice_type":1107,"slice_label":5},[],{"text":4022,"chart_alt":5},[4023,4026,4033,4036,4039,4042,4048,4052],{"type":1034,"text":4024,"spans":4025,"direction":1037},"Alle reden von Krise. Doch bei den Bausparkassen könnte die Stimmung kaum besser sein. Dank der gestiegenen Zinsen befindet sich die von Vielen schon totgesagte Branche massiv im Aufwind.",[],{"type":1034,"text":4027,"spans":4028,"direction":1037},"Christian König, Hauptgeschäftsführer des Verbands der Privaten Bausparkassen, nannte gegenüber der WirtschaftsWoche folgende Zahlen: Für 2023 erwarten die privaten Bausparkassen rund 15 Prozent mehr Geschäft als im Vorjahr. Das ist umso bemerkenswerter, als 2022 auch schon ein sehr gutes Jahr war – mit Neuabschlüssen in Höhe von 59,4 Milliarden Euro.",[4029],{"start":4030,"end":1700,"type":1084,"data":4031},86,{"link_type":49,"url":4032,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fimmobilien\u002Fimmobilienfinanzierung-ranking-das-sind-die-besten-bauspartarife\u002F29603368.html",{"type":1034,"text":4034,"spans":4035,"direction":1037},"Aktuell sind Bausparverträge vor allem für Kunden interessant, die Modernisierungen, Sanierungen und Klimaschutz- Maßnahmen planen. Dort werden meist Darlehen zwischen 30.000 und 80.000 Euro benötigt – und die lassen sich wunderbar per Bausparer stemmen.",[],{"type":1075,"text":4037,"spans":4038,"direction":1037},"Wo finden Kunden die besten Konditionen?",[],{"type":1034,"text":4040,"spans":4041,"direction":1037},"Die FMH hat die Bausparrechner der einzelnen Bausparkassen genutzt, verschiedene Modelle durchgerechnet und schließlich bewertet.",[],{"type":1520,"text":4043,"spans":4044,"direction":1037},"Sieger mit der Note „sehr gut“ waren –bei den privaten Anbietern – mit weitem Abstand die folgenden Bausparkassen: Alte Leipziger Bauspar AG, Bausparkasse Schwäbisch Hall AG, BKM Bausparkasse Mainz AG",[4045],{"start":4046,"end":4047,"type":1105},46,64,{"type":1520,"text":4049,"spans":4050,"direction":1037},"Bei den regionalen Bausparkassen punkteten die LBS Nordwest (Berlin, Niedersachsen), LBS Saar und die LBS Süd (Baden-Württemberg, Rheinland-Pfalz)",[4051],{"start":1082,"end":3891,"type":1105},{"type":1034,"text":4053,"spans":4054,"direction":1037},"\nSie sind auf Suche nach dem idealen Tarif für Ihr Vorhaben? Dann nutzen Sie gerne unseren Bausparvertrag-Vergleich .",[4055],{"start":3681,"end":4056,"type":1084,"data":4057},115,{"id":589,"type":107,"tags":4058,"lang":13,"slug":110,"first_publication_date":591,"last_publication_date":592,"uid":593,"url":594,"link_type":43,"isBroken":45},[109],"text_block$74d892a8-5604-4f11-99b5-1ec962a4fb7b","Bauspartarife im Vergleich: Die besten Angebote | FMH","Die besten Bauspartarife 2024 im Vergleich: FMH-Finanzberatung und WirtschaftsWoche zeigen, welcher Tarif zu Ihren Plänen passt. Jetzt informieren.",{"dimensions":4063,"alt":4013,"copyright":1051,"url":4064,"id":4015,"edit":4065},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmg2GNHVfTPDjf_81b9039304608576f256f53e2f6fcc4d1cca4757-familie-zieht-ein.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4067,"uid":1450,"url":4068,"type":319,"href":4069,"tags":4070,"first_publication_date":4071,"last_publication_date":4072,"slugs":4073,"linked_documents":4075,"lang":13,"alternate_languages":4076,"data":4077},"aMLyRREAACIAioqo","\u002Fartikel\u002Fdie-besten-ratenkredite-2024-09","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyRREAACIAioqo%22%29+%5D%5D",[366,444],"2025-11-05T14:42:14+0000","2026-07-24T09:05:24+0000",[4074],"ratenkredite-fur-kreditnehmer-mit-hoher-bonitat",[],[],{"publication_date":4078,"last_edit_date":4078,"set_last_edit_date_today":45,"title":4079,"subtitle":4080,"breadcrumb_title":5,"topic":4081,"teaser":4088,"author":4092,"cover":4098,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":4105,"slices":4106,"meta_title":4147,"meta_description":4148,"meta_image":4149,"meta_indexed":1116},"2024-09-01","Die besten Ratenkredite 2024","Träume finanzieren mit einem passenden Ratenkredit",{"id":4082,"type":1026,"tags":4083,"lang":13,"slug":4084,"first_publication_date":4085,"last_publication_date":4086,"uid":4084,"link_type":43,"key":4087,"isBroken":45},"aPDk0BIAACIAaSQv",[],"kredit-aufnehmen","2025-10-16T12:28:22+0000","2025-10-24T10:12:04+0000","e1173da1-a311-4dea-b6e3-d410e1c77b76",[4089],{"type":1034,"text":4090,"spans":4091,"direction":1037},"Ob Sie von einer neuen Küche oder einer Weltreise träumen – die Erfüllung dieser Träume kann durch die Wahl des richtigen Ratenkredits deutlich erleichtert werden. Doch wie finden Sie das beste Angebot?",[],{"id":4093,"type":1040,"tags":4094,"lang":13,"slug":3533,"first_publication_date":4095,"last_publication_date":4096,"uid":3533,"link_type":43,"key":4097,"isBroken":45},"aPYnVBAAACMArrKx",[],"2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","e5ef84f8-14eb-4673-9dd9-5268083fecb5",{"dimensions":4099,"alt":4101,"copyright":1051,"url":4102,"id":4103,"edit":4104},{"width":3539,"height":4100},999,"3,25 % wurden auf einen Sandstrand geschrieben","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl7mGNHVfTPDhb_f15f42522d7d60476d67b8568c7cc3f019a25545-ratenkredite.jpeg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C999&w=1500&h=999","aMLl7mGNHVfTPDhb",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4107],{"variation":1062,"version":1063,"items":4108,"primary":4109,"id":4146,"slice_type":1107,"slice_label":5},[],{"text":4110,"chart_alt":5},[4111,4117,4120,4123,4126,4129,4132,4135,4138],{"type":1034,"text":4112,"spans":4113,"direction":1037},"Die FMH- Finanzberatung hat im Auftrag des Handelsblatts die besten Ratenkredite auf dem Markt untersucht.",[4114],{"start":3892,"end":1515,"type":1084,"data":4115},{"link_type":49,"url":4116,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Franking-hier-gibt-es-die-besten-ratenkredite\u002F100062329.html",{"type":1034,"text":4118,"spans":4119,"direction":1037},"Die FMH-Auszeichnung bewertete die Banken nach dem effektiven Jahreszins, der die jährlichen Kreditkosten widerspiegelt. Grundlage war ein Standardkredit von 15.000 Euro mit einer Laufzeit von 48 Monaten. Neben den Zinsen wurden auch mögliche Kreditbeträge und Laufzeiten in der Bewertung berücksichtigt. Denn für viele Kreditnehmer ist neben dem geringen Effektivzins sehr oft die Ratenhöhe wichtig. Wer die Ratenhöhe beim Ratenkredit senken will, kann sich problemlos für eine längere Laufzeit entscheiden, was die monatliche Rate reduziert, aber nicht die Gesamtkosten. Und zwischenzeitlich sind immer Sondertilgungen möglich zu einem sehr geringen Entgelt von maximal einem Prozent auf die Sondertilgung – gesetzliche Vorgabe.",[],{"type":1034,"text":4121,"spans":4122,"direction":1037},"Weil bei sehr vielen Kreditangeboten der Kreditzins von der Bonität, also der Zahlungsfähigkeit des Kreditnehmers abhängt, hat die FMH die Kreditangebote in drei Bonitätskategorien unterteilt.",[],{"type":1075,"text":4124,"spans":4125,"direction":1037},"Ratenkredite für Kreditnehmer mit hoher Bonität",[],{"type":1034,"text":4127,"spans":4128,"direction":1037},"Die besten Ratenkreditzinsen mit bester Bonität bekommt man von der Santander, Deutsche Bank, Consors Finanz, Ikano Bank, Targobank und norisbank. Alle sechs Anbieter wurden mit der Bewertung „sehr gut“ ausgezeichnet. Die Unterschiede sind extrem gering.",[],{"type":1075,"text":4130,"spans":4131,"direction":1037},"Ratenkredite mit Zinsen für 2\u002F3 der Kunden",[],{"type":1034,"text":4133,"spans":4134,"direction":1037},"Was sollen Ratenkredite für 2\u002F3 der Kunden sein? Der Gesetzgeber verpflichtet die Banken mit bonitätsabhängigen Zinsofferten, einen Zinssatz zu veröffentlichen, den 2\u002F3 der Kunden bekommen. Dieser Zinssatz dürfte der Realität der Kreditvergabe sehr nahekommen. In dieser Kategorie wurden die folgenden drei Banken mit „sehr gut“ bewertet: Bank of Scotland, BBBank eG und SKGBANK.",[],{"type":1075,"text":4136,"spans":4137,"direction":1037},"Bonitätsunabhängige Kredite",[],{"type":1034,"text":4139,"spans":4140,"direction":1037},"Bonitätsunabhängige Kredite werden leider immer seltener und sind Darlehen mit festen Konditionen, die unabhängig von der persönlichen Bonität der Kreditnehmer sind. Auch in dieser Kategorie gab es drei Sieger: die Deutsche Skatbank, PSD Bank West und EthikBank.\nNutzen Sie unseren Ratenkredit-Vergleich, um in wenigen Schritten die günstigsten Konditionen zu sichern.",[4141],{"start":4142,"end":4143,"type":1084,"data":4144},282,303,{"id":377,"type":107,"tags":4145,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],"text_block$ca6232cb-99bd-4b02-8157-cd6f3ab5c71b","Beste Ratenkredite 2024: Testsieger nach Bonität | FMH","Im Auftrag vom Handelsblatt testete FMH Kreditgeber nach Bonität, Effektivzins, Kreditsumme und Laufzeit. Ergebnisse ansehen.",{"dimensions":4150,"alt":4101,"copyright":1051,"url":4151,"id":4103,"edit":4152},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl7mGNHVfTPDhb_f15f42522d7d60476d67b8568c7cc3f019a25545-ratenkredite.jpeg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4154,"uid":1451,"url":4155,"type":319,"href":4156,"tags":4157,"first_publication_date":4158,"last_publication_date":4159,"slugs":4160,"linked_documents":4162,"lang":13,"alternate_languages":4163,"data":4164},"aMLx7BEAAB8AionR","\u002Fartikel\u002Fwer-hat-aktuell-die-besten-zinsen-bei-der-baufinanzierung-2023-09","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx7BEAAB8AionR%22%29+%5D%5D",[94,366],"2025-11-06T12:24:52+0000","2026-07-24T08:31:45+0000",[4161],"2023-09-28",[],[],{"publication_date":4161,"last_edit_date":4161,"set_last_edit_date_today":45,"title":4165,"subtitle":4166,"breadcrumb_title":5,"topic":4167,"teaser":4170,"author":4174,"cover":4181,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":4189,"slices":4190,"meta_title":4221,"meta_description":4222,"meta_image":4223,"meta_indexed":1116},"Wer hat aktuell die besten Zinsen bei der Baufinanzierung?","FMH ermittelt die besten Konditionen",{"id":3999,"type":1026,"tags":4168,"lang":13,"slug":94,"first_publication_date":4001,"last_publication_date":4002,"uid":94,"link_type":43,"key":4169,"isBroken":45},[],"11f54fa9-cb31-4d78-b1d4-3a20d39bcaf9",[4171],{"type":1034,"text":4172,"spans":4173,"direction":1037},"Je höher das Zinsniveau bei der Baufinanzierung, desto intensiver wird nach den besten Zinssätzen am Markt gesucht. Dies können wir zumindest von den Besucherzahlen auf der FMH-Immobilienkreditseite feststellen.",[],{"id":4175,"type":1040,"tags":4176,"lang":13,"slug":4177,"first_publication_date":4178,"last_publication_date":4179,"uid":4177,"link_type":43,"key":4180,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","7d4a9ecf-2dd8-43d4-b72d-53cf6f297b40",{"dimensions":4182,"alt":4185,"copyright":1051,"url":4186,"id":4187,"edit":4188},{"width":4183,"height":4184},1600,1067,"Holzwaage wiegt Haus und Würfel mit Prozentzeichen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmyWGNHVfTPDkf_3b424ebc4a694aaa7a4e1a16302ad75bbae5fb19-beste-bauzinsen-aktuell.jpg?auto=format,compress","aMLmyWGNHVfTPDkf",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4191],{"variation":1062,"version":1063,"items":4192,"primary":4193,"id":4220,"slice_type":1107,"slice_label":5},[],{"text":4194,"chart_alt":5},[4195,4198,4201,4209],{"type":1034,"text":4196,"spans":4197,"direction":1037},"Das ist auch nicht verwunderlich, denn der Wunsch nach Wohneigentum ist ungebrochen. Zwar nicht mehr so schnell, dafür wesentlich überlegter. Für die WirtschaftsWoche (WiWo) sollten wir aus unserem Baufinanzierungsfundus die Banken mit den besten Effektivzinsen und Bedingungen herausfinden. Wir haben uns hier bewusst nur auf die kreditgebenden Banken konzentriert. Also nicht die Vermittler berücksichtigt, denn diese bieten ohnehin die Zinsen der besten Banken an.",[],{"type":1034,"text":4199,"spans":4200,"direction":1037},"Nach meiner Gesamteinschätzung kann es sich aktuell lohnen, Wohneigentum zu kaufen oder zu bauen. Die Nachfrage nach Wohnraum wird ja nicht kleiner, sondern voraussichtlich wieder steigen. Zum anderen werden die höheren Löhne der jüngsten Tarifabschlüsse Angebot und Nachfrage auch auf dem Markt für Kaufimmobilien positiv beeinflussen.",[],{"type":1034,"text":4202,"spans":4203,"direction":1037},"Wir haben im Finanzierungsvergleich für die WiWo bewusst nicht nur die Effektivzinsen bewertet, sondern auch sehr stark die Möglichkeit der Tilgungssatzänderung. Denn gerade in eher unsicheren Zeiten, wo keiner wirklich weiß, wie es mit der Zinsentwicklung weitergehen wird, ist die Option von Tilgungsveränderung nach oben und unten sehr wichtig. Vor allem die mögliche Reduzierung der Tilgung auf ein Prozent kann in persönlich schwierigen Phasen äußerst hilfreich sein. Mit „sehr gut“ wurden in unserer Auswertung „Beste flexible Baufinanzierung“ diese bundesweit tätigen Banken ausgezeichnet: Santander, Sparda-Bank West, Postbank, 1822direkt und die BBBank. Die Platzierung erfolgte nach dem Zinssatz und den Nebenbedingungen.",[4204],{"start":4205,"end":4206,"type":1084,"data":4207},517,549,{"link_type":49,"url":4208,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fimmobilien\u002Fbaufinanzierung-so-finanzieren-sie-ihre-immobilie-flexibel-\u002F29412974.html",{"type":1034,"text":4210,"spans":4211,"direction":1037},"Sie suchen die beste Baufinanzierung für Ihr Vorhaben? Hier hilft der Baugeldvergleich.",[4212,4214,4218],{"start":24,"end":4213,"type":1105},54,{"start":4215,"end":4030,"type":1084,"data":4216},70,{"id":558,"type":107,"tags":4217,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":4215,"end":4219,"type":1105},87,"text_block$785573f2-5139-4d47-ac4f-5bd75498c8fd","Top Baufinanzierung von Banken im Vergleich | FMH","Baufinanzierung im Vergleich: FMH bewertet für die WirtschaftsWoche Zinsen und Tilgungsoptionen ausgewählter Banken. Jetzt Konditionen entdecken.",{"dimensions":4224,"alt":4185,"copyright":1051,"url":4225,"id":4187,"edit":4226},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmyWGNHVfTPDkf_3b424ebc4a694aaa7a4e1a16302ad75bbae5fb19-beste-bauzinsen-aktuell.jpg?auto=format%2Ccompress&rect=0%2C0%2C1600%2C840&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4228,"uid":1452,"url":4229,"type":319,"href":4230,"tags":4231,"first_publication_date":4232,"last_publication_date":4233,"slugs":4234,"linked_documents":4236,"lang":13,"alternate_languages":4237,"data":4238},"aQINohIAACQAHwgl","\u002Fartikel\u002Ftagesgeldzinsen-steigen-wieder","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQINohIAACQAHwgl%22%29+%5D%5D",[113],"2025-10-29T13:20:06+0000","2026-10-16T09:25:43+0000",[4235],"die-zahl-der-aktionsangebote-nimmt-wieder-zu",[],[],{"publication_date":4239,"last_edit_date":1467,"set_last_edit_date_today":45,"title":4240,"subtitle":4241,"breadcrumb_title":5,"topic":4242,"teaser":4245,"author":4249,"cover":4252,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":4258,"carousel_topic_filter":4259,"slices":4262,"meta_title":4318,"meta_description":4319,"meta_image":4320,"meta_indexed":1116},"2025-10-29","Tagesgeldzinsen steigen wieder","Attraktive Tagesgeld-Angebote für Neukunden",{"id":1025,"type":1026,"tags":4243,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4244,"isBroken":45},[],"40460948-eb6c-4c13-998e-cc200f319b90",[4246],{"type":1034,"text":4247,"spans":4248,"direction":1037},"Die Inflationsgefahr in der Eurozone ist vorerst gebannt. Mit einer Teuerungsquote von rund zwei Prozent können die Währungshüter gut leben. Der Leitzins bleibt daher erst einmal unverändert. Sparer können sich zum Teil aber trotzdem über mehr Rendite freuen.",[],{"id":4175,"type":1040,"tags":4250,"lang":13,"slug":4177,"first_publication_date":4178,"last_publication_date":4179,"uid":4177,"link_type":43,"key":4251,"isBroken":45},[],"67d7133d-539f-4f70-be99-61201334e9fc",{"dimensions":4253,"alt":4254,"copyright":5,"url":4255,"id":4256,"edit":4257},{"width":3825,"height":3826},"Ballonfahrt","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress","aQcsnrpReVYa37Iz",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2 + Slices",{"id":1025,"type":1026,"tags":4260,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4261,"isBroken":45},[],"1d211f38-3cf3-44fd-a43e-3674caaf2434",[4263],{"variation":1062,"version":1063,"items":4264,"primary":4265,"id":4317,"slice_type":1107,"slice_label":5},[],{"text":4266,"chart_alt":5},[4267,4270,4273,4277,4280,4283,4286,4289,4292,4295,4298,4301,4304,4312],{"type":1034,"text":4268,"spans":4269,"direction":1037},"Moderate Teuerungsraten innerhalb des angepeilten Korridors: Für die Europäische Zentralbank (EZB) sind das gute Nachrichten. Die Leitzinsen bleiben daher bis auf Weiteres auf dem Stand von Juni 2025. Und auch der Einlagenzins, also jener Satz, den die Banken erhalten, wenn sie Kundengelder bei der EZB parken, vorerst bei zwei Prozent. ",[],{"type":1034,"text":4271,"spans":4272,"direction":1037},"Doch was bedeutet dieser Stillstand für Sparer, die ihr Geld auf einem Tagesgeldkonto liegen haben? ",[],{"type":1068,"text":4274,"spans":4275,"direction":1037},"Die Zahl der Aktionsangebote nimmt wieder zu ",[4276],{"start":24,"end":3257,"type":1105},{"type":1034,"text":4278,"spans":4279,"direction":1037},"Traditionell dürfen Anleger in einer solchen Konstellation nicht allzu viel erwarten. Normalerweise weisen Banken ihre Top-Tagesgeldangebote stets analog zum Einlagenzins der EZB aus. Mit anderen Worten: Selbst Neukunden, die in der Regel (zumindest vorübergehend) die besseren Konditionen erhalten als Bestandskunden, bekamen nur jenen Anlagezins garantiert, den die Banken auf der anderen Seite von der EZB erhalten, wenn sie die Einlagen dort parken.  ",[],{"type":1034,"text":4281,"spans":4282,"direction":1037},"Inzwischen sehen wir allerdings, dass einige Banken wieder mehr bieten als den Standard. Meist stammen solche Offerten von Instituten, die sich auf dem deutschen Markt einen Namen machen wollen oder sehr genau rechnen. Ein Beispiel: Das Top-Zinsangebot laut Tagesgeldvergleich auf fmh.de von Ende Oktober 2025 liegt derzeit bei 3,50 Prozent. Das klingt sehr lukrativ. Allerdings garantiert die Bank diesen Zinssatz nur für drei Monate. Und sie begrenzt den maximalen Anlagebetrag, für den diese Konditionen gelten auf maximal 75.000 Euro.  ",[],{"type":1034,"text":4284,"spans":4285,"direction":1037},"Für Kunden bedeutet das: Innerhalb der garantierten drei Monate können sie bis zu 656,25 Euro Zinsen erhalten. Auch für die Bank lohnt sich das Angebot: Sie bekommt im selben Zeitraum 375 Euro Einlagezinsen von der EZB und investiert damit effektiv 281,25 Euro, um neue Kunden zu gewinnen – die Aufmerksamkeit in den Zinsvergleichen gibt es gratis dazu. ",[],{"type":1034,"text":4287,"spans":4288,"direction":1037},"Tagesgeld ist für alle Beteiligten also durchaus wieder attraktiv. Und selbst Kunden, die bereits viele Neukundenaktionen ausgenutzt haben, haben wieder die Möglichkeit TOP-Tagesgeldzinsen zu ergattern. Wer etwa 50.000 Euro statt für 0,75 Prozent zu drei Prozent und mehr bei einer Bank mit Aktionszins anlegt, erwirtschaftet innerhalb von drei Monaten ein Plus von 281,25 Euro.  ",[],{"type":1068,"text":4290,"spans":4291,"direction":1037},"Kaum Bewegung im Bestand ",[],{"type":1034,"text":4293,"spans":4294,"direction":1037},"Bleibt die Frage, wie sich die Zinsen für die Bestandskunden entwickeln. Der durchschnittliche Wert in diesem Segment liegt derzeit bei 0,71 Prozent (siehe Grafik). Das gleicht noch nicht einmal die Inflation aus.  ",[],{"type":1034,"text":4296,"spans":4297,"direction":1037},"Die Banken hingegen verdienen dennoch gut: Sie parken einfach die Milliarden der Sparer bei der EZB und bekommen die Differenz zwischen EZB-Einlagenzins und jenem Wert, den sie ihren Bestandskunden zahlen, als Gewinn vergütet. Das ist ein gutes Geschäft für die Banken. Allein Sichteinlagen (Geld auf Girokonto, Tagesgeld und andere kurzfristige Geldanlagen) und Bargeld beliefen sich im Jahr 2024 auf knapp vier Billionen Euro. Selbst wenn die Differenz zwischen dem Einlagezins und dem für Bestandskunden nur bei 0,5 Prozent läge (und in der Praxis ist es oft deutlich mehr), hätte die EZB 20 Milliarden Euro an die Banken und Sparkassen auszahlen. ",[],{"type":1068,"text":4299,"spans":4300,"direction":1037},"Wechseln lohnt sich",[],{"type":1034,"text":4302,"spans":4303,"direction":1037},"Derzeit deutet wenig darauf hin, dass sich die Zinsen für Bestandskunden deutlich verbessern. Wer ein bisschen Zeit investiert, kann sich allerdings auch in Zukunft hervorragende Zinsen aufs Tagesgeld sichern – vorausgesetzt, er oder sie ist bereit, gelegentlich die Bank zu wechseln. Denn auch in Zukunft wird es immer wieder Banken geben, die Neukunden für das Tagesgeld mehr zahlen als den Einlagenzins der EZB. Um davon zu profitieren, muss man sich nur die Mühe machen, ab und zu sein Erspartes gelegentlich zu einer anderen Bank zu transferieren.",[],{"type":3653,"url":4305,"alt":4306,"copyright":5,"dimensions":4307,"id":4310,"edit":4311},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIUBrpReVYa3y03_Tagesgeld_EZB_Einlagenzins_Inflation-1-.png?auto=format,compress","Tagesgeld und EZB-Einlagenzins und Inflation",{"width":4308,"height":4309},1680,834,"aQIUBrpReVYa3y03",{"x":24,"y":24,"zoom":25,"background":26},{"type":3653,"url":4313,"alt":4306,"copyright":5,"dimensions":4314,"id":4315,"edit":4316},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIPybpReVYa3yyN_Tagesgeld_EZB_Einlagenzins_Inflation.png?auto=format,compress",{"width":4308,"height":4309},"aQIPybpReVYa3yyN",{"x":24,"y":24,"zoom":25,"background":26},"text_block$a729171e-b2cc-49ec-8e83-80e39c7437bd","Tagesgeldzinsen: Top-Angebote für Neukunden | FMH","Tagesgeldzinsen vergleichen und bis zu 3,50 % p. a. sichern: FMH zeigt attraktive Angebote transparent und unabhängig. Jetzt passende Bank finden.",{"dimensions":4321,"alt":4254,"copyright":5,"url":4322,"id":4256,"edit":4323},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":3981,"zoom":25,"background":26},{"id":4325,"uid":1453,"url":4326,"type":319,"href":4327,"tags":4328,"first_publication_date":4329,"last_publication_date":4330,"slugs":4331,"linked_documents":4333,"lang":13,"alternate_languages":4334,"data":4335},"aMLyHREAACAAiopR","\u002Fartikel\u002Fmanchmal-darf-es-eben-doch-etwas-mehr-sein-2024-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyHREAACAAiopR%22%29+%5D%5D",[480,366],"2025-11-06T11:39:15+0000","2026-10-16T09:27:26+0000",[4332],"was-bieten-girokonten-mit-premiumleistungen",[],[],{"publication_date":4336,"last_edit_date":4336,"set_last_edit_date_today":45,"title":4337,"subtitle":4338,"breadcrumb_title":5,"topic":4339,"teaser":4342,"author":4346,"cover":4349,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":4357,"slices":4360,"meta_title":4414,"meta_description":4415,"meta_image":4416,"meta_indexed":1116},"2024-03-13","Die besten Girokonten mit Premiumleistungen 2024","Manchmal darf es eben doch etwas mehr sein",{"id":3804,"type":1026,"tags":4340,"lang":13,"slug":3806,"first_publication_date":3807,"last_publication_date":3808,"uid":3809,"link_type":43,"key":4341,"isBroken":45},[],"8d99e36b-5481-4139-b08e-735e0b4ebecd",[4343],{"type":1034,"text":4344,"spans":4345,"direction":1037},"Als Kunde bevorzugt zu werden, zum Beispiel durch eine Golfclubmitgliedschaft, Taxi-Shuttle-Service oder die Vorteile eines Concierge-Service zu erleben, ist eine Erfahrung, die man ganz einfach genießen kann. Manchmal genügt bereits die einfache Eröffnung eines Girokontos.",[],{"id":1039,"type":1040,"tags":4347,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":4348,"isBroken":45},[],"baf1d3bb-cba2-4b95-a9bc-7f16b517b2f6",{"dimensions":4350,"alt":4353,"copyright":1051,"url":4354,"id":4355,"edit":4356},{"width":4351,"height":4352},900,601,"Frau schlägt einen Golfball bei Sonnenaufgang","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmY2GNHVfTPDjA_e35f35b2be7504d27fc8efd3e1a963d9b672afb2-Frau-spielt-Golf-Sunset.png?auto=format,compress","aMLmY2GNHVfTPDjA",{"x":24,"y":24,"zoom":25,"background":26},{"id":3804,"type":1026,"tags":4358,"lang":13,"slug":3806,"first_publication_date":3807,"last_publication_date":3808,"uid":3809,"link_type":43,"key":4359,"isBroken":45},[],"3cd4ae89-6c10-4cc2-8e10-33c5bb101b08",[4361],{"variation":1062,"version":1063,"items":4362,"primary":4363,"id":4413,"slice_type":1107,"slice_label":5},[],{"text":4364,"chart_alt":5},[4365,4368,4371,4374,4377,4383,4386,4389,4392],{"type":1034,"text":4366,"spans":4367,"direction":1037},"Premium-Girokonten bieten umfassende Zusatzleistungen. Ob für den Urlaub oder das private Vergnügen, die für die eigenen Bedürfnisse passende Zusatzleistung findet sich ganz bestimmt. Vorausgesetzt, man ist bereit, etwas tiefer in die Tasche zu greifen. Viele Kunden schätzen jedoch diese All-inclusive-Lösungen. Warum es kompliziert machen, wenn es auch einfach sein kann?",[],{"type":1075,"text":4369,"spans":4370,"direction":1037},"Was bieten Girokonten mit Premiumleistungen?",[],{"type":1034,"text":4372,"spans":4373,"direction":1037},"Unter den Angeboten finden sich eine Vielzahl umfassender Zusatzleistungen wie Versicherungspakete, Kreditkarten und spezielle Services. Regionale Banken und Sparkassen bieten oft spezielle Leistungen in ihrer Region an, sei es ein kostenloses Abonnement einer örtlichen Zeitung wie bei der Förde Sparkasse, die HaspaJoker Vorteile der Hamburger Sparkasse oder die S-Vorteilswelt bei den meisten Sparkassen. Leider spiegeln die Preise der jeweiligen Konten nicht immer den Mehrwert wider, den man als Kunde am Ende erhält.",[],{"type":1075,"text":4375,"spans":4376,"direction":1037},"Doch wie findet man nun das für seine Bedürfnisse passende Girokonto mit Premiumleistungen?",[],{"type":1034,"text":4378,"spans":4379,"direction":1037},"Die WirtschaftsWoche hat die FMH-Finanzberatung beauftragt, genau dieser Frage nachzugehen. Ausgewertet wurden insgesamt 91 Anbieter (18 bundesweite und 73 regionale Banken und Sparkassen). Wir haben uns entschlossen, auch Konten zu berücksichtigen, die keine Premiumkonten im klassischen Sinne sind, jedoch mit einer zusätzlich buchbaren Premium-, oder Gold Kreditkarte aufgewertet werden können.",[4380],{"start":1647,"end":2160,"type":1084,"data":4381},{"link_type":49,"url":4382,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Ftarifvergleich-die-besten-girokonten-mit-premium-leistungen\u002F29700564.html",{"type":1075,"text":4384,"spans":4385,"direction":1037},"Wer sind die Gewinner?",[],{"type":1034,"text":4387,"spans":4388,"direction":1037},"Unter den bundesweiten Banken wurden fünf Anbieter mit „sehr gut“ bewertet. Sieger wurde die comdirect mit ihrem Girokonto Plus, das ein sehr gutes Preis-Leistungsverhältnis bietet. Danach folgen die Santander, Commerzbank, Consorsbank und die DKB Deutsche Kreditbank.",[],{"type":1034,"text":4390,"spans":4391,"direction":1037},"In der Kategorie regionale Banken wurden sechs Banken bzw. Sparkassen mit „sehr gut“ ausgezeichnet. Die Sparkasse Offenbach mit ihrem PremiumKonto wurde Sieger in unserem Vergleich, gefolgt von der Ostseesparkasse Rostock, Sparkasse Leipzig, Berliner Volksbank, Ostsächsische Sparkasse Dresden und die PSD Bank Berlin Brandenburg.",[],{"type":1034,"text":4393,"spans":4394,"direction":1037},"Wenn Sie noch unschlüssig sind, für welches Girokonto Sie sich entscheiden möchten, ist das kein Problem. Mit unserem Girokonto-Vergleichsrechner der FMH werden Sie bestimmt ein passendes Angebot finden. Möchten Sie einen genaueren Blick auf unsere Auszeichnung werfen, können Sie dies auf der Auszeichnungsseite der FMH machen.",[4395,4400,4401,4412],{"start":4396,"end":4397,"type":1084,"data":4398},118,145,{"id":476,"type":107,"tags":4399,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":4396,"end":4397,"type":1105},{"start":4402,"end":4403,"type":1084,"data":4404},294,312,{"id":4405,"type":62,"tags":4406,"lang":13,"slug":4407,"first_publication_date":4408,"last_publication_date":4409,"uid":4410,"url":4411,"link_type":43,"isBroken":45},"aQtSuBEAACEAT84I",[],"hier-entsteht-unsere-neue-auszeichnungsseite","2025-11-05T13:43:05+0000","2025-12-04T10:48:16+0000","auszeichnungen","\u002Fauszeichnungen",{"start":4402,"end":4403,"type":1105},"text_block$219d51fe-9cb8-4415-b85d-e6d1a95340cb","Premium-Girokonten im Test: Die besten Angebote | FMH","FMH-Finanzberatung testet für die WirtschaftsWoche Girokonten mit Premiumleistungen. Leistungen und Konditionen jetzt vergleichen.",{"dimensions":4417,"alt":4353,"copyright":1051,"url":4418,"id":4355,"edit":4419},{"width":1112,"height":1113},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmY2GNHVfTPDjA_e35f35b2be7504d27fc8efd3e1a963d9b672afb2-Frau-spielt-Golf-Sunset.png?auto=format%2Ccompress&rect=0%2C0%2C900%2C473&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26}]