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Banken intensiv um Girokunden buhlen….","… und wie die so umworbenen Neukunden sich diese Praxis zunutze machen können.",{"id":1489,"type":1026,"tags":1490,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":1495,"isBroken":45},"aPDk8xIAACAAaSR6",[],"konto--karte","2025-10-16T12:28:58+0000","2025-10-24T10:12:13+0000","konto-karte","a5eca61d-ac36-40bf-affa-a45ff4263371",[1497],{"type":1034,"text":1498,"spans":1499,"direction":1037},"Was haben ein Dax-Vorstand und ein Bürgergeld-Empfänger gemeinsam, wenn es um ihre Finanzen geht?",[],{"id":1501,"type":1040,"tags":1502,"lang":13,"slug":1503,"first_publication_date":1504,"last_publication_date":1505,"uid":1503,"link_type":43,"key":1506,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","7d9e7806-6dc5-4764-afa7-a4050f1d414b",{"dimensions":1508,"alt":1511,"copyright":1051,"url":1512,"id":1513,"edit":1514},{"width":1509,"height":1510},1500,1001,"Dax-Vorstand spricht mit Bürgergeld Empfänger","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FagrnFqYofJOwHUeZ_dax-vorstand-buergergeld-empfaenger.jpg?auto=format,compress","agrnFqYofJOwHUeZ",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"link_type":43},[1518],{"variation":1062,"version":1063,"items":1519,"primary":1520,"id":1594,"slice_type":1126,"slice_label":5},[],{"text":1521,"chart_alt":5},[1522,1525,1528,1531,1534,1537,1540,1543,1546,1554,1557,1560,1563,1566,1569,1572,1575,1578,1581],{"type":1034,"text":1523,"spans":1524,"direction":1037},"Beide brauchen ein Girokonto, über dass sie ihre laufenden Finanzangelegenheiten managen. Hier gehen die regelmäßigen Zahlungen vom Staat oder dem Arbeitgeber ein. Und von hier werden fixe Kosten gedeckt, etwa für Wohnen, Essen und den sonstigen Bedarf des täglichen Lebens.",[],{"type":1034,"text":1526,"spans":1527,"direction":1037},"Damit enden die Gemeinsamkeiten unserer beiden Vergleichskunden aber bereits. Denn die Kosten, die mit der Kontoführung verbunden sind, variieren zum Teil sehr deutlich, je nachdem, wie attraktiv der Kunde für das Geldhaus ist und welchen Service er in Anspruch nehmen will. Ist der (neue) Kontoinhaber bereit, sein Gehalt oder sonstige regelmäßige Zahlungseingänge über das Girokonto abzuwickeln, ist es zum Beispiel möglich, ein kostenloses Girokonto zu erhalten. Dabei gilt die Faustregel: Je höher der geforderte Mindestgehaltseingang, desto größer der Vorteil bei den eingesparten Kontoführungsgebühren.",[],{"type":1034,"text":1529,"spans":1530,"direction":1037},"Umgekehrt bedeutet das: Wer unter der Minimalschwelle von meist 500 oder 1000 Euro Geldeingang pro Monat liegt, zahlt für sein Girokonto bis zu 9, 90 Euro Gebühr. Pro Monat.",[],{"type":1068,"text":1532,"spans":1533,"direction":1037},"Nicht jeder Kunde ist gleichermaßen interessant",[],{"type":1034,"text":1535,"spans":1536,"direction":1037},"Mit dieser Praxis wollen Banken vor allem die aus ihrer Sicht besonders attraktiven Girokunden für sich gewinnen. Die gibt es in zwei Varianten: Nummer eins: Der Gutverdiener, der wenig ausgibt und sein üppiges Gehalt auf seinem Girokonto parkt – ohne dass die Bank dafür Zinsen zahlen muss.",[],{"type":1034,"text":1538,"spans":1539,"direction":1037},"Nummer zwei: Der Gutverdiener, der sein Geld mit vollen Händen ausgibt und deshalb auch ab und zu seinen Dispokredit nutzt. Denn auch daran kann die Bank verdienen.",[],{"type":1034,"text":1541,"spans":1542,"direction":1037},"Ein weiterer Vorteil gut situierter Girokunden – zumindest aus Sicht der Bank: Sie kann anhand der getätigten Transaktionen sehen, welche Anlageprodukte für ihn oder sie in Frage kommen. Zudem wenden sich viele Privatleute bei größeren Geldgeschäften, etwa einem Immobiliendarlehen oder einem Leasingkredit, bevorzugt an ihre Hausbank. Und weil hier das große Geld zu verdienen ist, lassen sich die Banken ihr Marketing fürs Girokonto auch einiges kosten.",[],{"type":1068,"text":1544,"spans":1545,"direction":1037},"Kaufkräftige Kunden sind attraktive Kreditnehmer",[],{"type":1034,"text":1547,"spans":1548,"direction":1037},"Die ING und die BBBank etwa geben einem Immobilienkunden einen Zinsrabatt von 0,1 Prozent auf den gesamte Kreditbetrag, wenn er oder sie auch ein Girokonto mit Gehaltseingang bei der Bank hat oder neu eröffnet (Details siehe Bauzinsvergleich). Bei einem Baukredit über 400.000 Euro ist das ein Vorteil von rund 3.600 Euro innerhalb von zehn Jahren, wenn der Kunde die ersparten Zinsen konsequent eine höhere Tilgung investiert. Eine Baufinanzierung setzt einen entsprechend großzügigen Gehaltseingang voraus, damit der Kunde sich während der Tilgungsphase nicht einschränken und trotzdem die nötigen Rücklagen für die Instandhaltung der Immobilie bilden kann",[1549],{"start":1550,"end":1551,"type":1108,"data":1552},225,241,{"link_type":49,"url":1553,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fbaufinanzierung\u002Fangebote-vergleichen\u002Fhypothek",{"type":1068,"text":1555,"spans":1556,"direction":1037},"Aber auch der Tagesgeld-Kunde kann ein lukrativer Girokunde sein",[],{"type":1034,"text":1558,"spans":1559,"direction":1037},"Eine weitere beliebte Variante um neue Girokunden zu gewinnen: Die Bank macht ein attraktives Angebot – koppelt das aber an die Eröffnung eines Girokontos. Wer also von besonders guten Aktionszinsen beim Tagesgeld profitieren will, der muss bei derselben Bank auch gleich ein Girokonto oder Depots eröffnen.",[],{"type":1034,"text":1561,"spans":1562,"direction":1037},"Die Idee dahinter: Selbst, wenn der Tagesgeldkunde nach dem Ablauf des Aktionszeitraums zum nächsten Topanbieter wechselt, besteht eine hohe Wahrscheinlichkeit, dass er das Girokonto behält.  –",[],{"type":1034,"text":1564,"spans":1565,"direction":1037},"Um das zu erreichen, nehmen die Banken sogar vorübergehend einen kleinen Verlust in Kauf. Denn die Aktionszinsen für Tagesgeld-Neukunden sind oft höher als der EZB-Einlagenzins, den die Bank erhält, wenn sie dort ihr Geld parkt.",[],{"type":1034,"text":1567,"spans":1568,"direction":1037},"Verlangt die Bank als Gegenleistung für den hohen Tagesgeldzins die Girokonto Eröffnung, ist die Wahrscheinlichkeit also hoch, dass sich dieser Kunde lohnt – entweder als Bestandskunde bei Tagesgeld oder als langfristiger Girokunde. Und weil schon bekannt ist, dass dieser Tagesgeldkunde Anlagepotenzial mitbringt, kann man ihm später auch lukrativeren Investmentangebote unterbreiten. Girokunden gewonnen und Investmentmöglichkeiten vorhanden, bedeuten: Die überhöhten Tagesgeldzinsen haben sich gelohnt.",[],{"type":1034,"text":1570,"spans":1571,"direction":1037}," ",[],{"type":1068,"text":1573,"spans":1574,"direction":1037},"Im besten Fall profitieren alle Beteiligten",[],{"type":1034,"text":1576,"spans":1577,"direction":1037},"Wie Kunden das strategisch nutzen können:",[],{"type":1034,"text":1579,"spans":1580,"direction":1037},"Sie können die Marketingstrategien der Banken gezielt nutzen, um sich einen günstigen Kredit oder gute Zinsen aufs Tagesgeld zu sichern – einfach durch die Eröffnung eines Tagesgeldkontos mit Girokonto-Pflicht.  Dennoch ist es wichtig, sehr genau hinzusehen. Denn der beste Tagesgeldzins nützt nur wenig, wenn die Kontoführungsgebühr des Girokontos den Zinsvorteil beim Tagesgeld schmälert.",[],{"type":1034,"text":1582,"spans":1583,"direction":1037},"Und wenn sich herausstellt, dass das Angebot der Bank doch nicht so prickelnd ist? Dann finden Anleger und (potenzielle) Girokunden mit dem Girokontovergleich oder Tagesgeldvergleich auf fmh.de bestimmt das optimale Produkt für die eigenen Bedürfnisse.",[1584,1589],{"start":1585,"end":1586,"type":1108,"data":1587},140,158,{"link_type":49,"url":1588,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fkonto-karte\u002Fangebote-vergleichen\u002Fgirokonto",{"start":1590,"end":1591,"type":1108,"data":1592},164,182,{"link_type":49,"url":1593,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ftagesgeld","text_block$877e6cab-3f6e-4bb2-9157-0bfd08f57c25","Tagesgeld & Girokonto: Die Strategie der Banken","Warum Banken mit kostenlosen Girokonten und hohen Tagesgeldzinsen um Neukunden kämpfen. Und wie Verbraucher profitieren können.",{"dimensions":1598,"alt":1511,"copyright":1051,"url":1599,"id":1513,"edit":1600},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FagrnFqYofJOwHUeZ_dax-vorstand-buergergeld-empfaenger.jpg?auto=format,compress&rect=0,107,1500,788&w=2400&h=1260",{"x":24,"y":1601,"zoom":25,"background":26},107,{"id":1603,"uid":1465,"url":1604,"type":319,"href":1605,"tags":1606,"first_publication_date":1607,"last_publication_date":1608,"slugs":1609,"linked_documents":1611,"lang":13,"alternate_languages":1612,"data":1613},"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",[1610],"2023-09-28",[],[],{"publication_date":1610,"last_edit_date":1610,"set_last_edit_date_today":45,"title":1614,"subtitle":1615,"breadcrumb_title":5,"topic":1616,"teaser":1622,"author":1626,"cover":1629,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":1637,"slices":1638,"meta_title":1670,"meta_description":1671,"meta_image":1672,"meta_indexed":1135},"Wer hat aktuell die besten Zinsen bei der Baufinanzierung?","FMH ermittelt die besten Konditionen",{"id":1617,"type":1026,"tags":1618,"lang":13,"slug":94,"first_publication_date":1619,"last_publication_date":1620,"uid":94,"link_type":43,"key":1621,"isBroken":45},"aPDlUxIAACAAaSVI",[],"2025-10-16T12:30:18+0000","2025-10-24T10:12:22+0000","11f54fa9-cb31-4d78-b1d4-3a20d39bcaf9",[1623],{"type":1034,"text":1624,"spans":1625,"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":1501,"type":1040,"tags":1627,"lang":13,"slug":1503,"first_publication_date":1504,"last_publication_date":1505,"uid":1503,"link_type":43,"key":1628,"isBroken":45},[],"7d4a9ecf-2dd8-43d4-b72d-53cf6f297b40",{"dimensions":1630,"alt":1633,"copyright":1051,"url":1634,"id":1635,"edit":1636},{"width":1631,"height":1632},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},[1639],{"variation":1062,"version":1063,"items":1640,"primary":1641,"id":1669,"slice_type":1126,"slice_label":5},[],{"text":1642,"chart_alt":5},[1643,1646,1649,1657],{"type":1034,"text":1644,"spans":1645,"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":1647,"spans":1648,"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":1650,"spans":1651,"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.",[1652],{"start":1653,"end":1654,"type":1108,"data":1655},517,549,{"link_type":49,"url":1656,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fimmobilien\u002Fbaufinanzierung-so-finanzieren-sie-ihre-immobilie-flexibel-\u002F29412974.html",{"type":1034,"text":1658,"spans":1659,"direction":1037},"Sie suchen die beste Baufinanzierung für Ihr Vorhaben? Hier hilft der Baugeldvergleich.",[1660,1662,1667],{"start":24,"end":1661,"type":1084},54,{"start":1663,"end":1664,"type":1108,"data":1665},70,86,{"id":558,"type":107,"tags":1666,"lang":13,"slug":110,"first_publication_date":560,"last_publication_date":561,"uid":562,"url":563,"link_type":43,"isBroken":45},[109],{"start":1663,"end":1668,"type":1084},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":1673,"alt":1633,"copyright":1051,"url":1674,"id":1635,"edit":1675},{"width":1131,"height":1132},"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":1677,"uid":1466,"url":1678,"type":319,"href":1679,"tags":1680,"first_publication_date":1681,"last_publication_date":1682,"slugs":1683,"linked_documents":1685,"lang":13,"alternate_languages":1686,"data":1687},"aVI5-REAAC9-BTPb","\u002Fartikel\u002Fwenig-aussicht-auf-niedrige-bauzinsen-in-den-naechsten-monaten","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aVI5-REAAC9-BTPb%22%29+%5D%5D",[],"2025-12-29T08:49:35+0000","2025-12-29T09:05:19+0000",[1684],"warum-die-zinsen-bleiben-wo-sie-sind",[],[],{"publication_date":1688,"last_edit_date":1688,"set_last_edit_date_today":5,"title":1689,"subtitle":1690,"breadcrumb_title":1689,"topic":1691,"teaser":1694,"author":1701,"cover":1704,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1711,"carousel_topic_filter":1712,"slices":1713,"meta_title":1742,"meta_description":1743,"meta_image":1744,"meta_indexed":1135},"2025-12-29","Wenig Aussicht auf niedrige Bauzinsen in den nächsten Monaten","Prognose für Bauzinsen im 1.Quartal 2026",{"id":1617,"type":1026,"tags":1692,"lang":13,"slug":94,"first_publication_date":1619,"last_publication_date":1620,"uid":94,"link_type":43,"key":1693,"isBroken":45},[],"fb0e264e-772a-4962-a0d0-381ce6fe0869",[1695,1698],{"type":1034,"text":1696,"spans":1697,"direction":1037},"Das Interesse an der Entwicklung der Bauzinsen bleibt weiterhin hoch. Dies freut zum einen die Immobilienwirtschaft aber auch Banken und Vermittler. Doch wer auf einen deutlichen Abwärtstrend in den nächsten Monaten hofft, wird wohl enttäuscht.",[],{"type":1034,"text":1699,"spans":1700,"direction":1037},"Wer sich über die Entwicklung der Bauzinsen Gedanken macht, will selten wissen, was nächste Woche sein wird, sondern was sich in den nächsten Monaten tun wird.",[],{"id":1501,"type":1040,"tags":1702,"lang":13,"slug":1503,"first_publication_date":1504,"last_publication_date":1505,"uid":1503,"link_type":43,"key":1703,"isBroken":45},[],"1d8e427b-0032-4165-a794-06305373cf81",{"dimensions":1705,"alt":1706,"copyright":1707,"url":1708,"id":1709,"edit":1710},{"width":1509,"height":1048},"Architekt mit Modellhaus","Jacob Lund, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaVI--XNYClf9oqw8_Modell-haus-bauzinsen.webp?auto=format,compress","aVI--XNYClf9oqw8",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3, h4 + Slices",{"link_type":43},[1714],{"variation":1062,"version":1063,"items":1715,"primary":1716,"id":1741,"slice_type":1126,"slice_label":5},[],{"text":1717,"chart_alt":5},[1718,1721,1724,1727,1730,1733],{"type":1068,"text":1719,"spans":1720,"direction":1037},"Warum die Zinsen bleiben, wo sie sind",[],{"type":1034,"text":1722,"spans":1723,"direction":1037},"Die Bauzinsen werden beeinflusst von der Rendite der 10-jährigen Bundesanleihe. Sie spiegelt wider, wie Investoren die finanzielle Entwicklung des deutschen Staates einschätzen. Wer sein Geld in deutschen Pfandbriefen anlegen will, hat etwas mehr Risiko einzuplanen, als der Anleger beim deutschen Staat. Also weisen die Renditen der Pfandbriefe eine etwa 0,5 Prozentpunkte höhere Rendite aus. Und dann wollen die Banken auch bezahlt werden für die Bearbeitung der Kreditvergabe, haben ein Finanzierungsrisiko einzuplanen und wollen am Ende auch noch etwas Geld verdienen. Deshalb ist der Unterschied zwischen Pfandbriefrendite und Bauzinsen nochmal 0,5 bis 0,8 Prozentpunkte. Und am Ende ist der Unterschied zwischen der Rendite der 10-jährigen Bundesanleihe und den Bauzinsen bei etwa 0,9 und 1,3 Prozentpunkten. Aktuell liegt die Differenz bei etwa einem Prozent. Wenn sich die Renditen der Bundesanleihe in den nächsten Wochen und Monaten eher erhöhen werden, weil der deutsche Staat sehr viel von den Anlegern borgen muss, dann ist sehr wenig Spielraum für sinkende Bauzinsen.",[],{"type":1034,"text":1725,"spans":1726,"direction":1037},"",[],{"type":1068,"text":1728,"spans":1729,"direction":1037},"Kein „Neujahrs-Bonus“ in Sicht",[],{"type":1034,"text":1731,"spans":1732,"direction":1037},"Ob die Banken, wie in den letzten Jahren oft zu beobachten war, die Bauzinsen zum Jahresanfang leicht absenken, weil sie mit weniger Marge zufrieden sind, ist in 2026 eher unwahrscheinlich. Der Spielraum zwischen Pfandbriefrendite und Bauzinsen ist mit 0,4 Prozentpunkten relativ gering, so bleibt kein Spielraum für sinkende Zinsen.",[],{"type":1034,"text":1734,"spans":1735,"direction":1037},"Wer trotzdem auf kurzfristige Marktschwankungen spekuliert, kann dies machen und den Hypothekenzinsen-Vergleich auf der FMH-Seite nutzen, damit ihm keine Schnäppchen durch die Lappen geht.",[1736],{"start":1737,"end":1738,"type":1108,"data":1739},85,111,{"link_type":49,"url":1553,"target":1740},"_self","text_block$4e960514-912a-47e3-b4d6-d781627b5910","Zinsentwicklung Bauzinsen Q1\u002F2026","Prognose: So entwickeln sich die Bauzinsen im 1. Quartal 2026 | FMH",{},{"id":442,"uid":447,"url":448,"type":319,"href":1746,"tags":1747,"first_publication_date":445,"last_publication_date":446,"slugs":1748,"linked_documents":1749,"lang":13,"alternate_languages":1750,"data":1751},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQCs7xIAACUAHKFY%22%29+%5D%5D",[366,444],[367],[],[],{"publication_date":1752,"last_edit_date":1752,"set_last_edit_date_today":45,"title":450,"subtitle":1753,"breadcrumb_title":5,"topic":1754,"teaser":1761,"author":1765,"cover":1772,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1780,"carousel_topic_filter":1781,"slices":1784,"meta_title":1901,"meta_description":1902,"meta_image":1903,"meta_indexed":1135},"2025-09-09","Kredite bleiben gefragt: Trotz kaum sinkender Zinsen",{"id":1755,"type":1026,"tags":1756,"lang":13,"slug":1757,"first_publication_date":1758,"last_publication_date":1759,"uid":1757,"link_type":43,"key":1760,"isBroken":45},"aPDk0BIAACIAaSQv",[],"kredit-aufnehmen","2025-10-16T12:28:22+0000","2025-10-24T10:12:04+0000","2364201a-727e-4be7-bdc6-d5d4306dc3f4",[1762],{"type":1034,"text":1763,"spans":1764,"direction":1037},"Ratenkredite sind in Deutschland weiterhin stark nachgefragt. Viele Verbraucher finanzieren größere Anschaffungen oder Umschuldungen auf diesem Weg, obwohl die Kreditkosten im Vergleich zum Vorjahr nur geringfügig gesunken sind.",[],{"id":1766,"type":1040,"tags":1767,"lang":13,"slug":1768,"first_publication_date":1769,"last_publication_date":1770,"uid":1768,"link_type":43,"key":1771,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","fc9b0844-a5ff-4aef-826d-c18b68774340",{"dimensions":1773,"alt":1776,"copyright":5,"url":1777,"id":1778,"edit":1779},{"width":1774,"height":1775},1200,800,"Frau fährt auf einem Motorroller","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQCtMbpReVYa3vrb_Frau-auf-Vespa-Rot.jpg?auto=format,compress","aQCtMbpReVYa3vrb",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2 + Slices",{"id":1755,"type":1026,"tags":1782,"lang":13,"slug":1757,"first_publication_date":1758,"last_publication_date":1759,"uid":1757,"link_type":43,"key":1783,"isBroken":45},[],"9ffd7c57-db98-4bee-8bd1-c69e8c0e0979",[1785],{"variation":1062,"version":1063,"items":1786,"primary":1787,"id":1900,"slice_type":1126,"slice_label":5},[],{"text":1788,"chart_alt":5},[1789,1792,1795,1808,1811,1814,1835,1838,1853,1856,1871,1874,1877,1880,1883,1886,1889,1892],{"type":1034,"text":1790,"spans":1791,"direction":1037},"Die Leitzinsen der Europäischen Zentralbank sind zwar deutlich gefallen, von 4,25 % auf zuletzt 2 % innerhalb eines Jahres. Bei Ratenkrediten wirkt sich dieser Rückgang jedoch nur begrenzt oder zum Teil sehr verzögert aus.",[],{"type":1068,"text":1793,"spans":1794,"direction":1037},"Was wurde untersucht?",[],{"type":1034,"text":1796,"spans":1797,"direction":1037},"Für den aktuellen Test hat die FMH-Finanzberatung 17 Banken mit bonitätsabhängigen und 5 Banken mit bonitätsunabhängigen Ratenkrediten für das Handelsblatt analysiert. Bewertet wurden:",[1798,1803],{"start":1799,"end":1800,"type":1108,"data":1801},8,22,{"link_type":49,"url":1802,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-ratenkredite-handelsblatt",{"start":1804,"end":1805,"type":1108,"data":1806},143,155,{"link_type":49,"url":1807,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fgeld-welche-banken-die-besten-ratenkredite-bieten\u002F100150733.html",{"type":1034,"text":1809,"spans":1810,"direction":1037},"• Soll- und Effektivzinsen für Musterfall: 15.000 € Kreditsumme bei 48 Monaten Laufzeit\n• Zins für beste Bonität\n• Zins, der für 2\u002F3 der Kunden gilt\n• Bonitätsunabhängige Zinsen\n• Kreditkonditionen",[],{"type":1068,"text":1812,"spans":1813,"direction":1037},"Bonitätsabhängige Kredite – Beste Bonität",[],{"type":1034,"text":1815,"spans":1816,"direction":1037},"In dieser Kategorie erreichten sechs Anbieter die Note „sehr gut“. An der Spitze steht erneut die Santander Bank mit einem effektiven Jahreszins von 2,99 %. Dahinter folgen die Deutsche Bank (3,25 %) und Consors Finanz (3,49 %). Diese Werte entsprechen den Vorjahresergebnissen und haben sich nicht verändert. Die Targobank, Ikano Bank und die norisbank wurden ebenfalls mit der Note „sehr gut“ honoriert.",[1817,1820,1823,1826,1829,1832],{"start":1818,"end":1819,"type":1084},98,112,{"start":1821,"end":1822,"type":1084},177,190,{"start":1824,"end":1825,"type":1084},204,218,{"start":1827,"end":1828,"type":1084},314,323,{"start":1830,"end":1831,"type":1084},325,335,{"start":1833,"end":1834,"type":1084},344,353,{"type":1068,"text":1836,"spans":1837,"direction":1037},"Bonitätsabhängige Kredite – Zins gilt für 2\u002F3 der Kunden",[],{"type":1034,"text":1839,"spans":1840,"direction":1037},"Beim Zweidrittelzins, der realitätsnäher für Kreditnehmer ist, ergibt sich ein anderes Bild. Hier erhielten ein „sehr gut“ die BBBank (jedoch nur für Kunden, die ein Girokonto bei der BBBank führen oder eröffnen), SWK Bank, HypoVereinsbank und die Bank of Scotland.",[1841,1844,1847,1850],{"start":1842,"end":1843,"type":1084},127,133,{"start":1845,"end":1846,"type":1084},214,222,{"start":1848,"end":1849,"type":1084},224,239,{"start":1851,"end":1852,"type":1084},248,264,{"type":1068,"text":1854,"spans":1855,"direction":1037},"Bonitätsunabhängige Kredite",[],{"type":1034,"text":1857,"spans":1858,"direction":1037},"Im Vergleich der fünf Anbieter bonitätsunabhängiger Kredite schnitten vier mit „sehr gut“ ab. Die Zinsunterschiede waren hier eher gering. Es gibt zudem immer weniger Anbieter die einen bonitätsunabhängigen Ratenkredit überhaupt anbieten. Eine sehr gute Bewertung erhielten die EthikBank, Deutsche Skatbank, PSD Bank Rhein-Ruhr und die PSD Bank West.",[1859,1862,1865,1868],{"start":1860,"end":1861,"type":1084},278,287,{"start":1863,"end":1864,"type":1084},289,306,{"start":1866,"end":1867,"type":1084},308,327,{"start":1869,"end":1870,"type":1084},336,349,{"type":1068,"text":1872,"spans":1873,"direction":1037},"Worauf Kreditnehmer achten sollten",[],{"type":1079,"text":1875,"spans":1876,"direction":1037},"Bonitätsabhängig vs. bonitätsunabhängig: Bei sehr guter Bonität ist der Bestzins natürlich attraktiv, in der Praxis aber nur für wenige erreichbar und kann eher als Werbemaßnahme gesehen werden. Der Zweidrittelzins ist dahingehend ein realistischer Vergleichswert, an dem sich Verbraucher orientieren können. Bei bonitätsunabhängigen Ratenkrediten heißt es nicht, dass keine Bonitätsprüfung stattfindet, sondern dass der Zinssatz davon unabhängig ist.",[],{"type":1079,"text":1878,"spans":1879,"direction":1037},"Versteckte Unterschiede: Einige Banken koppeln günstige Konditionen an Zusatzbedingungen wie ein Girokonto oder sind nur als Online-Abschluss verfügbar.",[],{"type":1079,"text":1881,"spans":1882,"direction":1037},"Flexibilität: Sondertilgungen, Ratenpausen oder Laufzeitänderungen können entscheidend sein, wenn sich die persönliche Situation ändert.",[],{"type":1079,"text":1884,"spans":1885,"direction":1037},"Gesamtkosten im Blick: Schon kleine Zinsunterschiede machen über mehrere Jahre schnell mehrere Hundert Euro aus.",[],{"type":1068,"text":1887,"spans":1888,"direction":1037},"Fazit: Vergleich lohnt sich mehr denn je",[],{"type":1034,"text":1890,"spans":1891,"direction":1037},"Die Auswertung zeigt: Die Zinsen für Ratenkredite unterscheiden sich auch 2025 erheblich – je nach Bank, Bonität und Konditionen. Wer die Angebote vergleicht, kann trotz insgesamt stabiler Zinssituation viel Geld sparen.",[],{"type":1034,"text":1893,"spans":1894,"direction":1037},"Der FMH-Ratenkredit-Vergleich liefert einen transparenten Überblick und hilft, den passenden Anbieter zu finden.",[1895],{"start":1896,"end":1897,"type":1108,"data":1898},4,29,{"id":377,"type":107,"tags":1899,"lang":13,"slug":110,"first_publication_date":379,"last_publication_date":380,"uid":381,"url":382,"link_type":43,"isBroken":45},[109],"text_block$9a458bee-2684-4b8e-8def-16ce296ffb6f","Ratenkredite vergleichen: Günstige Angebote | FMH","Ratenkredite 2025 im FMH-Vergleich: Zinsen und Konditionen prüfen, passende Angebote finden und mehrere Hundert Euro sparen. Jetzt vergleichen.",{"dimensions":1904,"alt":1776,"copyright":5,"url":1905,"id":1778,"edit":1906},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQCtMbpReVYa3vrb_Frau-auf-Vespa-Rot.jpg?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":1737,"zoom":25,"background":26},{"id":1908,"uid":1467,"url":1909,"type":319,"href":1910,"tags":1911,"first_publication_date":1912,"last_publication_date":1913,"slugs":1914,"linked_documents":1915,"lang":13,"alternate_languages":1916,"data":1917},"aQOfvBIAACYAIfzf","\u002Fartikel\u002Fdie-besten-girokonten-2025-04","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQOfvBIAACYAIfzf%22%29+%5D%5D",[],"2025-10-30T17:30:36+0000","2026-11-06T09:21:36+0000",[367],[],[],{"publication_date":1918,"last_edit_date":1919,"set_last_edit_date_today":45,"title":1920,"subtitle":1921,"breadcrumb_title":5,"topic":1922,"teaser":1925,"author":1934,"cover":1937,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":1945,"slices":1948,"meta_title":2114,"meta_description":2115,"meta_image":2116,"meta_indexed":1135},"2025-04-04","2025-11-03","Die besten Girokonten 2025","Gebühren, Bedingungen, Bonusversprechen – welche Banken überzeugen",{"id":1489,"type":1026,"tags":1923,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":1924,"isBroken":45},[],"4360033a-b919-4cb5-bde1-a3e572718d8b",[1926],{"type":1034,"text":1927,"spans":1928,"direction":1037},"Das richtige Girokonto zu finden, ist nicht einfach: Gebührenmodelle, Kartenkosten und Bonusprogramme unterscheiden sich deutlich. Die FMH-Finanzberatung hat im Auftrag des Handelsblatt 52 Banken miteinander verglichen und zeigt, welche Institute 2025 mit den besten Konditionen überzeugen.",[1929],{"start":1930,"end":1931,"type":1108,"data":1932},173,185,{"link_type":49,"url":1933,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fgeld-girokonten-im-vergleich-diese-banken-haben-die-besten-angebote\u002F100118805.html",{"id":1766,"type":1040,"tags":1935,"lang":13,"slug":1768,"first_publication_date":1769,"last_publication_date":1770,"uid":1768,"link_type":43,"key":1936,"isBroken":45},[],"ef038882-5354-47d2-a2ec-118e3d24addf",{"dimensions":1938,"alt":1941,"copyright":5,"url":1942,"id":1943,"edit":1944},{"width":1939,"height":1940},1400,933,"Frau eröffnet über ihren Laptop ein Girokonto","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQOpl7pReVYa32Z8_Frau-eroeffnet-konto.png?auto=format,compress","aQOpl7pReVYa32Z8",{"x":24,"y":24,"zoom":25,"background":26},{"id":1489,"type":1026,"tags":1946,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":1947,"isBroken":45},[],"7e0279aa-6466-40f9-835c-2ec1efd1d70c",[1949],{"variation":1062,"version":1063,"items":1950,"primary":1951,"id":2113,"slice_type":1126,"slice_label":5},[],{"text":1952,"chart_alt":5},[1953,1955,1962,1965,1968,1971,1974,1977,1980,1982,1985,1988,1990,1993,2004,2026,2029,2031,2034,2037,2040,2044,2048,2058,2066,2068,2071,2074,2076,2079,2082,2085,2088,2090,2093,2096,2099,2102,2105],{"type":1068,"text":1793,"spans":1954,"direction":1037},[],{"type":1034,"text":1956,"spans":1957,"direction":1037},"Für die aktuelle Analyse hat die FMH-Finanzberatung 15 Direktbanken, 17 bundesweit aktive Banken und 20 regionale Institute bewertet.",[1958],{"start":1799,"end":1959,"type":1108,"data":1960},24,{"link_type":49,"url":1961,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-girokonten",{"type":1034,"text":1963,"spans":1964,"direction":1037},"\nGeprüft wurden:",[],{"type":1079,"text":1966,"spans":1967,"direction":1037},"Kontoführungsgebühren und Kartenkosten",[],{"type":1079,"text":1969,"spans":1970,"direction":1037},"Bedingungen für kostenlose Kontomodelle (z. B. Mindestgeldeingang)",[],{"type":1079,"text":1972,"spans":1973,"direction":1037},"Dispozinsen und Kosten für Buchungen",[],{"type":1079,"text":1975,"spans":1976,"direction":1037},"Neukundenaktionen und Bonusprogramme",[],{"type":1034,"text":1978,"spans":1979,"direction":1037},"Ziel der Untersuchung war es, die Gesamtkosten eines Kontos transparent zu machen - inklusive aller Gebühren, die im Alltag oft übersehen werden.",[],{"type":1034,"text":1570,"spans":1981,"direction":1037},[],{"type":1068,"text":1983,"spans":1984,"direction":1037},"Ergebnisse: Direktbanken liegen vorn",[],{"type":1034,"text":1986,"spans":1987,"direction":1037},"Die Auswertung zeigt ein klares Bild: Direktbanken bieten in der Regel die günstigsten Modelle. Viele Konten sind gebührenfrei oder mit überschaubaren Bedingungen verknüpft. Sechs der zehn bestplatzierten Direktbanken erhielten die Bewertung „sehr gut“.",[],{"type":1034,"text":1725,"spans":1989,"direction":1037},[],{"type":1075,"text":1991,"spans":1992,"direction":1037},"Die Top-Anbieter 2025:",[],{"type":1079,"text":1994,"spans":1995,"direction":1037},"C24 Bank – Platz 1 mit dem Smartkonto. Keine Kontoführungs- oder Kartengebühren, 1,25 % Guthabenzins bis 100.000 €, vier kostenlose Abhebungen im Monat, auch in Fremdwährung.",[1996,1999,2000],{"start":24,"end":1799,"type":1108,"data":1997},{"link_type":49,"url":1998,"target":52},"https:\u002F\u002Fs.c24.de\u002FFMH0000000\u002F",{"start":24,"end":1799,"type":1084},{"start":2001,"end":2002,"type":2003},27,37,"em",{"type":1079,"text":2005,"spans":2006,"direction":1037},"Comdirect, DKB Deutsche Kreditbank, ING, norisbank und Consorsbank – ebenfalls mit „sehr gut“ bewertet. Bei diesen Banken hängt die Gebührenfreiheit meist vom monatlichen Geldeingang ab (zwischen 700 € und 1.000 €).",[2007,2011,2013,2018,2022],{"start":24,"end":2008,"type":1108,"data":2009},9,{"link_type":49,"url":2010,"target":52},"https:\u002F\u002Ffinanceads.net\u002Ftc.php?t=30062C87024047B&subid=62",{"start":24,"end":2012,"type":1084},66,{"start":2014,"end":2015,"type":1108,"data":2016},11,34,{"link_type":49,"url":2017,"target":52},"https:\u002F\u002Fc.neqty.net\u002Ftrck\u002Feclick\u002Ff0886b4aafd4b17e44f36fce9bda0867&subid=62",{"start":1106,"end":2019,"type":1108,"data":2020},39,{"link_type":49,"url":2021,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C12410602B&subid=62",{"start":2023,"end":2012,"type":1108,"data":2024},55,{"link_type":49,"url":2025,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C15273616T&subid=62",{"type":1034,"text":2027,"spans":2028,"direction":1037},"Damit setzen Direktbanken weiterhin den Standard für günstige und moderne Kontoführung.",[],{"type":1034,"text":1570,"spans":2030,"direction":1037},[],{"type":1068,"text":2032,"spans":2033,"direction":1037},"Bundesweite Banken mit gemischten Ergebnissen",[],{"type":1034,"text":2035,"spans":2036,"direction":1037},"Bei den bundesweit aktiven Instituten zeigt sich ein differenziertes Bild: Unter den zehn Bestplatzierten finden sich drei Anbieter mit „sehr gut“, drei mit „gut“ und vier mit „befriedigend“.",[],{"type":1034,"text":2038,"spans":2039,"direction":1037},"Zu den überzeugendsten Angeboten zählen:",[],{"type":1079,"text":2041,"spans":2042,"direction":1037},"Meine Bank (Raiffeisenbank im Hochtaunus) – mit einem günstigen Onlinekonto und moderaten Dispozinsen.",[2043],{"start":24,"end":1122,"type":1084},{"type":1079,"text":2045,"spans":2046,"direction":1037},"OLB Bank – mit Girokonto Online und 50 € Neukundenbonus, Girocard für 12 € pro Jahr, kostenlose Debitkarte.",[2047],{"start":24,"end":1799,"type":1084},{"type":1079,"text":2049,"spans":2050,"direction":1037},"Santander Bank – mit BestGiro-Konto und bis zu 150 € Willkommensbonus.",[2051,2055,2056],{"start":24,"end":2052,"type":1108,"data":2053},14,{"link_type":49,"url":2054,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C19399010T&subid=62",{"start":24,"end":2052,"type":1084},{"start":2057,"end":1897,"type":2003},21,{"type":1034,"text":2059,"spans":2060,"direction":1037},"Auch die VR Bank Dreieich-Offenbach hat jedenfalls ein „sehr gut“ erhalten. Viele dieser Banken verzichten auf Gebühren, wenn monatlich mindestens 750 € eingehen – ein Modell, das besonders für Berufstätige attraktiv bleibt.",[2061,2065],{"start":2008,"end":2062,"type":1108,"data":2063},35,{"link_type":49,"url":2064,"target":52},"https:\u002F\u002Fwww.vrbanking.de\u002Flandingpages\u002Fonline-girokonto-fmh.html",{"start":2008,"end":1106,"type":1084},{"type":1034,"text":1725,"spans":2067,"direction":1037},[],{"type":1068,"text":2069,"spans":2070,"direction":1037},"Regionale Banken bleiben teurer",[],{"type":1034,"text":2072,"spans":2073,"direction":1037},"Keines der 20 untersuchten Regionalinstitute konnte sich in den oberen Rängen platzieren. Hauptgrund sind die im Vergleich höheren Kontoführungs- und Kartenkosten. Trotzdem behalten viele Kundinnen und Kunden ihre regionalen Girokonten, häufig aus Gewohnheit oder wegen persönlicher Beratung.",[],{"type":1034,"text":1570,"spans":2075,"direction":1037},[],{"type":1068,"text":2077,"spans":2078,"direction":1037},"Aktuelle Trends im Girokonto-Markt",[],{"type":1079,"text":2080,"spans":2081,"direction":1037},"Gebühren steigen: Immer mehr Banken bepreisen die Girocard separat oder schaffen sie ganz ab. Kredit- und Debitkarten gewinnen an Bedeutung.",[],{"type":1079,"text":2083,"spans":2084,"direction":1037},"Kombikarten im Kommen: Einige Banken bieten Karten mit Giro- und Kreditfunktion in einem – für Kundinnen und Kunden komfortabel, aber teils teurer.",[],{"type":1079,"text":2086,"spans":2087,"direction":1037},"Boni & Zinsen: Guthabenzinsen auf Girokonten und Neukundenprämien machen einige Angebote wieder attraktiver.",[],{"type":1034,"text":1570,"spans":2089,"direction":1037},[],{"type":1068,"text":2091,"spans":2092,"direction":1037},"Fazit: Vergleichen lohnt sich mehr denn je",[],{"type":1034,"text":2094,"spans":2095,"direction":1037},"Der FMH-Vergleich im Auftrag des Handelsblatts zeigt:",[],{"type":1079,"text":2097,"spans":2098,"direction":1037},"Direktbanken bieten 2025 die besten Girokonto-Konditionen – mit klaren Kostenstrukturen und häufig kostenfreien Konten.",[],{"type":1079,"text":2100,"spans":2101,"direction":1037},"Bundesweite Banken punkten mit Bonusaktionen und flexiblen Modellen.",[],{"type":1079,"text":2103,"spans":2104,"direction":1037},"Regionale Institute bleiben im Schnitt teurer, bieten aber persönliche Betreuung vor Ort.",[],{"type":1034,"text":2106,"spans":2107,"direction":1037},"Wer Gebühren vermeiden und moderne Funktionen nutzen möchte, sollte den Girokonto-Vergleich der FMH-Finanzberatung nutzen – unabhängig, transparent und aktuell.",[2108],{"start":2109,"end":2110,"type":1108,"data":2111},72,91,{"id":476,"type":107,"tags":2112,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$71b08014-d90d-4fca-9b38-8242cc9d6c9f","Girokonto-Vergleich: Die besten Konten im Test | FMH.de","FMH & Handelsblatt zeigen 2025 die besten Girokonten: Jetzt Gebühren vergleichen, Zinsen sichern & das passende Konto finden – unabhängig & aktuell",{"dimensions":2117,"alt":1941,"copyright":5,"url":2118,"id":1943,"edit":2119},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQOpl7pReVYa32Z8_Frau-eroeffnet-konto.png?auto=format,compress&rect=0,99,1400,735&w=2400&h=1260",{"x":24,"y":2120,"zoom":25,"background":26},99,{"id":2122,"uid":1468,"url":2123,"type":319,"href":2124,"tags":2125,"first_publication_date":2126,"last_publication_date":2127,"slugs":2128,"linked_documents":2130,"lang":13,"alternate_languages":2131,"data":2132},"apqTQBIAACcA7zJt","\u002Fartikel\u002Fhausbank-award-2026","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22apqTQBIAACcA7zJt%22%29+%5D%5D",[],"2026-09-04T10:08:03+0000","2026-10-16T09:24:36+0000",[2129],"so-haben-wir-getestet",[],[],{"publication_date":2133,"last_edit_date":2133,"set_last_edit_date_today":45,"title":2134,"subtitle":2135,"breadcrumb_title":5,"topic":2136,"teaser":2139,"author":2143,"cover":2146,"cover_position":1055,"table_of_content":1515,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":2152,"slices":2155,"meta_title":2218,"meta_description":2219,"meta_image":2220,"meta_indexed":1135},"2026-09-04","Hausbank-Award 2026: Das sind Deutschlands beste Hausbanken","Top-Anbieter für jede Stadt",{"id":1489,"type":1026,"tags":2137,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":2138,"isBroken":45},[],"caf81ee3-6ac2-45ef-9861-52ab84320202",[2140],{"type":1034,"text":2141,"spans":2142,"direction":1037},"Von Girokonto bis Hypothekendarlehen, von Tagesgeld bis Ratenkredit: Eine gute Hausbank begleitet Kunden langfristig in allen wichtigen Finanzfragen. Doch wo finden Interessenten eine Bank mit klarer regionaler Präsenz, transparenten Angeboten und attraktiven Konditionen? Wir haben genau hingeschaut.",[],{"id":1501,"type":1040,"tags":2144,"lang":13,"slug":1503,"first_publication_date":1504,"last_publication_date":1505,"uid":1503,"link_type":43,"key":2145,"isBroken":45},[],"90dc7382-c146-428d-b150-b4e06ef88107",{"dimensions":2147,"alt":2148,"copyright":5,"url":2149,"id":2150,"edit":2151},{"width":1774,"height":1775},"Glas Pokale Deutschlands BESTE Hausbanken 2026","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FKQsqePBu4v5AEjHF_Hausbank-Award-2026-Pokale.jpg?auto=format,compress","KQsqePBu4v5AEjHF",{"x":24,"y":24,"zoom":25,"background":26},{"id":1489,"type":1026,"tags":2153,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":2154,"isBroken":45},[],"41d8336d-4ffc-4b8f-b600-cf3f253e8b9f",[2156],{"variation":1062,"version":1063,"items":2157,"primary":2158,"id":2217,"slice_type":1126,"slice_label":5},[],{"text":2159,"chart_alt":5},[2160,2163,2166,2169,2172,2175,2178,2181,2184,2187,2190,2193,2196,2205,2208,2211,2214],{"type":1034,"text":2161,"spans":2162,"direction":1037},"Die ideale Kundenbeziehung beginnt mit der ersten Spardose am Weltspartag – und hält ein Leben lang. Irgendwann wird das Taschengeldkonto zum Gehaltskonto. Später kommen vielleicht Tages- oder Festgeldkonten sowie ein Depot dazu. Und wenn größere Anschaffungen anstehen, versorgt die Hausbank den langjährigen Kunden mit den passenden Krediten.",[],{"type":1034,"text":2164,"spans":2165,"direction":1037},"Zugegeben: Dieses Banken-Idyll mag im Jahr 2026 ein wenig überzeichnet sein. Doch eine gute Hausbank ist nach wie vor Gold wert: Die Berater dort kennen nicht nur die Kunden selbst, sondern auch deren Umfeld und können deshalb oft passgenauere Angebote machen, als Banken ohne diesen Hintergrund.",[],{"type":1034,"text":2167,"spans":2168,"direction":1037},"In enger Zusammenarbeit mit dem Handelsblatt hat die FMH-Finanzberatung daher zum zweiten Mal recherchiert und in 196 Städten die besten Hausbanken ausfindig gemacht.",[],{"type":1034,"text":2170,"spans":2171,"direction":1037},"Warum gerade 196 Städte?",[],{"type":1034,"text":2173,"spans":2174,"direction":1037},"Unser Ziel war es, alle Städte zu untersuchen die (Stand 2025) mindestens 50.000 Einwohner hatten. So kam eine Liste mit 196 Orten zustande – von Aachen bis Zwickau. Die größte Stadt auf der Liste war Berlin mit 3,9 Millionen Einwohnern. Zu den kleinsten gehörte mit gerade 50 000 Einwohnern Heidenheim an der Brenz – auch wenn das Städtchen dank seines Fußballvereins inzwischen bundesweite Bekanntheit erreicht hat.",[],{"type":1068,"text":2176,"spans":2177,"direction":1037},"So haben wir getestet",[],{"type":1034,"text":2179,"spans":2180,"direction":1037},"Eine große Herausforderung war es, einen Vergleichs-Schlüssel zu entwickeln, der die Metropole Berlin genauso bewertet wie eine kleine Fußballstadt auf der Schwäbischen Alb. So wäre es zum Beispiel zu kurz gedacht, wenn man die Anzahl der Filialen pro Einwohner in jeder Stadt gleich bewertet:  Denn in Flächenstädten benötigt man einfach mehr Filialen als in einer Großstadt wie Berlin oder München.",[],{"type":1034,"text":2182,"spans":2183,"direction":1037},"Auch sogenannte Mystery-Testings, bei denen sich geschulte Tester als Kunden ausgeben und auf Basis ihrer Erfahrungen eine Bewertung abgeben, wollten wir nicht zur Grundlage unseres Vergleichs machen.  Bei der Preisverleihung am 2. September betonte FMH-Chef Max Herbst noch einmal ganz klar: „Subjektive Testgrundlagen, die anschließend keiner mehr nachvollziehen kann, sind keine gute Basis für einen objektiven Vergleich.“",[],{"type":1034,"text":2185,"spans":2186,"direction":1037},"Und weil auch Schalter-Öffnungszeiten in Zeiten der Digitalisierung immer mehr an Bedeutung verlieren, legte die FMH bei der Bewertung der „Besten Hausbank“ den Fokus auf Zinsen und die Summe der Angebote. Ausgewertet wurden daher die Konditionen des Girokontos, die Tagesgeldzinsen für Bestandskunden, und Festgeldzinsen für drei verschiedene Laufzeiten. Positiv wirkte es sich aus, wenn die Bank auch Baufinanzierungen, Ratenkredite und Versicherungspakete anbietet. Eine etwas höhere Bewertung gab es zu kostengünstigen Depots.  ",[],{"type":1075,"text":2188,"spans":2189,"direction":1037},"Die passende Bank für jedes Alter",[],{"type":1034,"text":2191,"spans":2192,"direction":1037},"Weil sich die Ansprüche an eine Hausbank im Laufe des Lebens verändern, haben wir bei allen bewerteten Banken zudem die Bedingungen für „junge Erwachsene“ ausgewertet. Je nach Bank sind das die Kunden zwischen 18 und 25 bzw. 30 Jahren. In diesem Segment gewichteten wir statt der Festgeldanlagen das Investmentsparen und -anlegen wesentlich höher (mit fast 23 statt 4,5 Prozent der Gesamtpunktzahl). Ob Baufinanzierungen oder Ratenkredite angeboten werden, spielte in dieser Gruppe hingegen fast keine Rolle.",[],{"type":1034,"text":2194,"spans":2195,"direction":1037},"Da Geschäftsbanken selten auf regionale Besonderheiten reagieren und sich anpassen können, haben wir auch die bundesweiten Geschäftsbanken und 21 Direktbanken durchgecheckt. Es gab somit Geschäftsbanken, die auch regional ganz vorne dabei sind. Zudem untersuchten wir 21 Direktbanken ohne Bewertung der Kundennähe, ansonsten mit gleichen Produkten und Bewertung.",[],{"type":1034,"text":2197,"spans":2198,"direction":1037},"Die Ergebnisse unserer Untersuchung finden Sie hier.",[2199,2204],{"start":2200,"end":2201,"type":1108,"data":2202},47,51,{"link_type":49,"url":2203,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fhausbank-award\u002F2026",{"start":2200,"end":2201,"type":1084},{"type":1075,"text":2206,"spans":2207,"direction":1037},"Wir freuen uns über die Relevanz unseres Awards",[],{"type":1034,"text":2209,"spans":2210,"direction":1037},"Die Auszeichnung als „Beste Hausbank“ ist noch relativ jung, doch sie ist jetzt schon relevant. Auf der Preisverleihung in Frankfurt gaben etliche der bereits im vergangenen Jahr prämierten Institute an, die Auszeichnung wieder für die Neukundengewinnung und für ein gutes Gefühl bei den Bestandskunden zu nutzen.",[],{"type":1034,"text":2212,"spans":2213,"direction":1037},"Dieser Erfolg macht uns ein bisschen stolz, denn er belegt: Es hat sich gelohnt, eine auf fast 200 Regionen bezogene unabhängige Untersuchung auf die Beine zu stellen – auch wenn der Aufwand immens war: Insgesamt werteten wir für den Vergleich mehr als 12.000 unterschiedlichen Informationen aus. Das war nur möglich, weil wir etwa zwei Drittel der Banken und ihre Bedingungen bereits in unserer Datenbank haben.",[],{"type":1034,"text":2215,"spans":2216,"direction":1037},"Und weil wir nicht nur bei den getesteten Banken transparente Angebote verlangen, legen auch wir unsere Ergebnisse gerne offen: Sowohl die Sieger als auch die nachrangig platzierten Institute, können bei uns auf Anfrage das Gesamtergebnis des Vergleichs mit allen Zinsen und Bedingungen erhalten.",[],"text_block$26c4f8e7-70ce-47be-a4c7-7673c39ad0e4","Hausbank-Award 2026: Deutschlands beste Hausbanken","FMH und Handelsblatt vergleichen Hausbanken in 196 Städten. 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Seit dem Beschluss der EU-Staaten und des EU-Parlaments im November 2023 rückt diese innovative Zahlungsmethode wieder in den Fokus der Öffentlichkeit.",[],{"id":2247,"type":1040,"tags":2248,"lang":13,"slug":2249,"first_publication_date":2250,"last_publication_date":2251,"uid":2252,"link_type":43,"key":2253,"isBroken":45},"aIc9vxEAACEAFoMr",[],"ania-scholz-orfanidis","2025-07-28T09:09:13+0000","2025-10-27T16:08:35+0000","ania-scholz","3daa9e6f-c8e6-476b-8ba5-230308cd5724",{"dimensions":2255,"alt":2258,"copyright":2259,"url":2260,"id":2261,"edit":2262},{"width":2256,"height":2257},1300,867,"Mann auf Rackete","Adobe Stock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQhwKrpReVYa38C7_Rocketman.png?auto=format,compress","aQhwKrpReVYa38C7",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2265,2328,2616],{"variation":1062,"version":1063,"items":2266,"primary":2267,"id":2327,"slice_type":1126,"slice_label":5},[],{"text":2268,"chart_alt":5},[2269,2272,2275,2278,2281,2284,2287,2290,2293,2298,2302,2307,2310,2315,2319,2324],{"type":1068,"text":2270,"spans":2271,"direction":1037},"Entwicklung und Bedeutung in Europa",[],{"type":1034,"text":2273,"spans":2274,"direction":1037},"Echtzeitüberweisungen sind in Europa seit November 2017 möglich. Mit der neuen EU-Verordnung wird Instant-Payment dort verfügbar, wo auch SEPA-Überweisungen möglich sind. Diese Entwicklung markiert einen wichtigen Schritt in der Evolution des europäischen Zahlungsverkehrs.",[],{"type":1068,"text":2276,"spans":2277,"direction":1037},"Was ist Instant-Payment?",[],{"type":1034,"text":2279,"spans":2280,"direction":1037},"Instant-Payment ermöglicht es Nutzern, Geldbeträge in Echtzeit zu überweisen. Im Gegensatz zu herkömmlichen Überweisungen, die bis zu einem Werktag dauern können, werden Echtzeitüberweisungen innerhalb von 20 Sekunden abgewickelt. Sie sind rund um die Uhr verfügbar, auch an Wochenenden und Feiertagen. Derzeit ist der Höchstbetrag für eine solche Überweisung auf 100.000 Euro festgelegt.",[],{"type":1034,"text":2282,"spans":2283,"direction":1037},"Aber Achtung! Eine Eilüberweisung ist keine Echtzeitüberweisung. Sie dauert in der Regel länger als eine Echtzeitüberweisung, Zudem sind Eilüberweisungen meist sehr kostenintensiv aber im Moment noch gängiger als die Echtzeitüberweisungen.",[],{"type":1075,"text":2285,"spans":2286,"direction":1037},"Kosten und Gebühren",[],{"type":1034,"text":2288,"spans":2289,"direction":1037},"Die Non-Profit-Organisation European Payments Council (EPC) steht hinter dem Instant-Payment in Europa. Die Banken entscheiden selbst über die Preisgestaltung diese Services. Aktuell variieren die Gebühren: Einige Sparkassen bieten den Service kostenfrei an, während andere Gebühren erheben. Mit der neuen EU-Verordnung sollen Echtzeitüberweisungen jedoch nicht mehr kosten als Standardüberweisungen.",[],{"type":1075,"text":2291,"spans":2292,"direction":1037},"Vorteile von Echtzeitüberweisungen",[],{"type":1079,"text":2294,"spans":2295,"direction":1037},"Schnelligkeit: Echtzeitüberweisungen ermöglichen eine nahezu sofortige Übertragung von Geldmitteln zwischen Konten.",[2296],{"start":24,"end":2297,"type":1084},13,{"type":1079,"text":2299,"spans":2300,"direction":1037},"Verfügbarkeit: Echtzeitüberweisungen können rund um die Uhr, an sieben Tagen in der Woche durchgeführt werden, was besonders in Notfällen oder bei spontanen Ausgaben vorteilhaft ist.",[2301],{"start":24,"end":2297,"type":1084},{"type":1079,"text":2303,"spans":2304,"direction":1037},"Flexibilität: Die Möglichkeit, schnell auf finanzielle Anforderungen zu reagieren, bietet eine erhöhte Flexibilität im Alltag.",[2305],{"start":24,"end":2306,"type":1084},12,{"type":1075,"text":2308,"spans":2309,"direction":1037},"Nachteile von Echtzeitüberweisungen",[],{"type":1079,"text":2311,"spans":2312,"direction":1037},"Kosten: Einige Banken erheben Gebühren für Echtzeitüberweisungen, was zu zusätzlichen Ausgaben führen kann.",[2313],{"start":24,"end":2314,"type":1084},6,{"type":1079,"text":2316,"spans":2317,"direction":1037},"Betragslimit: Die Obergrenzen für eine Echtzeitüberweisung beträgt aktuell 100.000 Euro. 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Es bleibt spannend zu beobachten, wie sich Instant-Payment weiterentwickelt und sich in das tägliche Leben der Menschen integriert.",[],"text_block$de9213ff-f046-43c8-afb4-2fa4826e449e","Echtzeitüberweisung Instant-Payment  | FMH.de","Was ist Instant-Payment, was kostet der Service und bei welchen Banken kann ich die Echtzeitüberweisung schon nutzen?",{"dimensions":2627,"alt":2258,"copyright":2259,"url":2628,"id":2261,"edit":2629},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQhwKrpReVYa38C7_Rocketman.png?auto=format,compress&rect=0,92,1300,683&w=2400&h=1260",{"x":24,"y":2630,"zoom":25,"background":26},92,{"id":2632,"uid":1470,"url":2633,"type":319,"href":2634,"tags":2635,"first_publication_date":2636,"last_publication_date":2637,"slugs":2638,"linked_documents":2640,"lang":13,"alternate_languages":2641,"data":2642},"aMLyShEAACEAioqw","\u002Fartikel\u002Fdie-besten-digitalen-geschaeftskonten-2024-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyShEAACEAioqw%22%29+%5D%5D",[366,480],"2025-11-05T14:11:37+0000","2026-10-16T09:28:33+0000",[2639],"digitale-geschaftskonten-die-smarte-wahl-fur-selbststandige-und-unternehmer",[],[],{"publication_date":2643,"last_edit_date":2643,"set_last_edit_date_today":45,"title":2644,"subtitle":2645,"breadcrumb_title":5,"topic":2646,"teaser":2649,"author":2653,"cover":2656,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":2662,"slices":2665,"meta_title":2713,"meta_description":2714,"meta_image":2715,"meta_indexed":1135},"2024-10-09","Die besten digitalen Geschäftskonten 2024","Digitale Geschäftskonten im Test: Welches passt zu Ihrem Unternehmen?",{"id":1489,"type":1026,"tags":2647,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":2648,"isBroken":45},[],"e25b30e7-c347-47fb-a2d6-72101bc85b1a",[2650],{"type":1034,"text":2651,"spans":2652,"direction":1037},"Die Auswahl des richtigen Geschäftskontos hilft Ihrem Unternehmen, mit wenig Aufwand sich effizient zu entwickeln. Insbesondere digitale Geschäftskonten bieten Selbstständigen und kleinen Unternehmen eine moderne, kostengünstige und flexible Lösung der Finanzverwaltung und erleichtert den Geschäftsalltag.",[],{"id":1039,"type":1040,"tags":2654,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":2655,"isBroken":45},[],"1a9f9880-86dc-4178-9b63-2c09d82c2ce7",{"dimensions":2657,"alt":2658,"copyright":1051,"url":2659,"id":2660,"edit":2661},{"width":1048,"height":1049},"Geschäftsfrau lächelt uns zu","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl5WGNHVfTPDhY_b0a2713d61c45e49f5a7ec0eb7b3dfa2d44921c0-BusinessFrauBlue.jpg?auto=format,compress","aMLl5WGNHVfTPDhY",{"x":24,"y":24,"zoom":25,"background":26},{"id":1489,"type":1026,"tags":2663,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":2664,"isBroken":45},[],"33c3ec44-8a07-44e6-8578-58d40f872e44",[2666],{"variation":1062,"version":1063,"items":2667,"primary":2668,"id":2712,"slice_type":1126,"slice_label":5},[],{"text":2669,"chart_alt":5},[2670,2673,2681,2684,2688,2692,2696,2700,2703,2706],{"type":1068,"text":2671,"spans":2672,"direction":1037},"Digitale Geschäftskonten: Die smarte Wahl für Selbstständige und Unternehmer",[],{"type":1034,"text":2674,"spans":2675,"direction":1037},"Wenn Bargeldeinzahlungen keine große Rolle spielen, sind sie die perfekte Wahl. Sie ermöglichen eine klare Trennung zwischen privaten und geschäftlichen Finanzen, was gerade für Selbstständige essenziell ist. Digitale Geschäftskonten ermöglichen es, Bankgeschäfte vollständig online abzuwickeln, ohne den Gang zur Bank. Egal, ob über eine App oder ein Webportal – alle Transaktionen können bequem von überall und jederzeit durchgeführt werden. Für das Handelsblatt hat daher die FMH-Finanzberatung die besten digitalen Geschäftskonten ermittelt.",[2676],{"start":2677,"end":2678,"type":1108,"data":2679},452,464,{"link_type":49,"url":2680,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fbanken-versicherungen\u002Fbanken\u002Fbanken-die-besten-angebote-fuer-geschaeftskonten-fuer-selbststaendige\u002F100073012.html",{"type":1075,"text":2682,"spans":2683,"direction":1037},"Die Vorteile im Überblick",[],{"type":1079,"text":2685,"spans":2686,"direction":1037},"Geringere Kosten: Viele digitale Geschäftskonten sind günstiger als klassische Bankkonten, einige sogar kostenlos.",[2687],{"start":24,"end":1089,"type":1084},{"type":1079,"text":2689,"spans":2690,"direction":1037},"Maximale Effizienz: Überweisungen und Buchungen können schnell und einfach per App erledigt werden.",[2691],{"start":24,"end":2354,"type":1084},{"type":1079,"text":2693,"spans":2694,"direction":1037},"Weltweiter Zugriff: Ideal für Unternehmen, die international tätig sind. Sie haben von überall Zugriff auf Ihr Konto und können Transaktionen flexibel abwickeln.",[2695],{"start":24,"end":2354,"type":1084},{"type":1079,"text":2697,"spans":2698,"direction":1037},"Zusatzfunktionen: Viele digitale Konten bieten nützliche Tools wie automatische Buchhaltung und Rechnungsmanagement, die Ihnen helfen, Ihre Finanzen besser im Blick zu behalten.",[2699],{"start":24,"end":1089,"type":1084},{"type":1068,"text":2701,"spans":2702,"direction":1037},"Die besten Geschäftskonten im Vergleich",[],{"type":1034,"text":2704,"spans":2705,"direction":1037},"Ein Vergleich der Anbieter zeigt, dass es sich lohnt, die verschiedenen Angebote zu prüfen. Für die FMH-Finanzberatung spielte die Bewertung der monatlichen Kosten und Gebühren für beleglose Buchungen eine wichtige Rolle. Fünf Konten teilen sich den ersten Platz: Zwei Konten von FYRST, zwei von N26 und eines von tide. Diese wurden mit einem „sehr gut“ bewertet.",[],{"type":1034,"text":2707,"spans":2708,"direction":1037},"Lassen Sie sich von den besten Angeboten inspirieren! Mit unserem Girokonto-Vergleich finden Sie als Selbstständiger und Kleinunternehmer klassische Geschäftskonten für Ihre individuellen Bedürfnisse.",[2709],{"start":2012,"end":1737,"type":1108,"data":2710},{"id":476,"type":107,"tags":2711,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],"text_block$246e2e27-3d8f-4113-9043-fb2350e70e61","Digitale Geschäftskonten 2024 im Vergleich | FMH","Die besten digitalen Geschäftskonten 2024: Flexible, günstige Lösungen für Selbstständige und kleine Unternehmen vergleichen. Jetzt informieren.",{"dimensions":2716,"alt":2658,"copyright":1051,"url":2717,"id":2660,"edit":2718},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl5WGNHVfTPDhY_b0a2713d61c45e49f5a7ec0eb7b3dfa2d44921c0-BusinessFrauBlue.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2720,"uid":1471,"url":2721,"type":319,"href":2722,"tags":2723,"first_publication_date":2724,"last_publication_date":2725,"slugs":2726,"linked_documents":2728,"lang":13,"alternate_languages":2729,"data":2730},"aMLx9REAACEAionq","\u002Fartikel\u002Fdie-besten-robo-advisor-fuer-einsteiger-2023-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx9REAACEAionq%22%29+%5D%5D",[366,166],"2025-11-05T14:57:39+0000","2026-07-24T09:04:02+0000",[2727],"nachhaltig-investieren-gewinnt-an-bedeutung",[],[],{"publication_date":2731,"last_edit_date":2731,"set_last_edit_date_today":45,"title":2732,"subtitle":2733,"breadcrumb_title":5,"topic":2734,"teaser":2737,"author":2741,"cover":2744,"cover_position":1055,"table_of_content":1515,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":2751,"slices":2752,"meta_title":2793,"meta_description":2794,"meta_image":2795,"meta_indexed":1135},"2023-10-23","Die besten Robo-Advisor für Einsteiger 2023","Digitale Vermögensverwaltung mit gutem Gewissen",{"id":1025,"type":1026,"tags":2735,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":2736,"isBroken":45},[],"b9fdd0bf-78ce-4e57-bd89-6644c59a39d0",[2738],{"type":1034,"text":2739,"spans":2740,"direction":1037},"Im Vergleich zu konservativen Anlageprodukten, ist der Wertpapierhandel aktuell nicht besonders verlockend. Tagesgeld- und Festgeldanlagen bieten aktuell hohe Zinssätze und sind damit konkurrenzfähig.",[],{"id":1039,"type":1040,"tags":2742,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":2743,"isBroken":45},[],"286d5f63-4276-475c-93e9-fc92cdc4fff6",{"dimensions":2745,"alt":2747,"copyright":1051,"url":2748,"id":2749,"edit":2750},{"width":2746,"height":1939},2100,"Zwei Menschen halten einen kleinen Globus in den Händen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmtWGNHVfTPDkP_e54eab217bb3631ae949bb9645a4393801d0c3a1-robo-advisor-fuer-einsteiger.jpeg?auto=format,compress","aMLmtWGNHVfTPDkP",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2753],{"variation":1062,"version":1063,"items":2754,"primary":2755,"id":2792,"slice_type":1126,"slice_label":5},[],{"text":2756,"chart_alt":5},[2757,2760,2763,2769,2772,2780,2785],{"type":1068,"text":2758,"spans":2759,"direction":1037},"Nachhaltig investieren gewinnt an Bedeutung",[],{"type":1034,"text":2761,"spans":2762,"direction":1037},"Wenn ein Kunde Festgeld und Tagesgeld bei seiner Bank anlegt, fragt er bestimmt sehr selten, für welche Zwecke die Geldanlage eingesetzt wird. Anders sieht es aus, wenn Kunden in Aktien, Fonds oder Anleihen investieren. Dann spielt auch die Nachhaltigkeit der Geldanlage eine größere Rolle. Dass Kunden genauer hinsehen und nachfragen, finden wir gut. Wir haben schließlich nur eine Erde und auf diese sollten wir Acht geben.",[],{"type":1034,"text":2764,"spans":2765,"direction":1037},"Im Auftrag vom Handelsblatt hat die FMH-Finanzberatung in Erfahrung gebracht, welche Robo-Advisor die besten nachhaltigen Anlagemöglichkeiten bieten. Bei der Auswahl der digitalen Vermögensverwalter waren wir kritisch. In unserer Auswertung wurden nur Robo-Advisor berücksichtigt, die seit mindestens drei Jahren eine nachhaltige Geldanlage anbieten.",[2766],{"start":2398,"end":1661,"type":1108,"data":2767},{"link_type":49,"url":2768,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Ftrends\u002Fvermoegensverwaltung-diese-robo-advisors-eignen-sich-fuer-einsteiger\u002F29448630.html",{"type":1075,"text":2770,"spans":2771,"direction":1037},"Bewertet wurden Performance und Kosten",[],{"type":1034,"text":2773,"spans":2774,"direction":1037},"Was die Produktmerkmale anbelangt, wollten wir nicht nur die Performance bewerten, sondern auch die Servicekosten generell. Am Rechenbeispiel von 5.000 Euro haben wir die Gebühren der einzelnen Anbieter verglichen. Aber auch die Bedingungen für Einmalanzahlungen und die Mindesthöhe für einen möglichen Sparplan haben wir unter die Lupe genommen. Wer für sich den besten Robo-Advisor finden will, sollte unseren Robo-Advisor Vergleich nutzen.",[2775],{"start":2776,"end":2777,"type":1108,"data":2778},412,434,{"id":161,"type":107,"tags":2779,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],{"type":1034,"text":2781,"spans":2782,"direction":1037},"Bei diesen Kriterien sind die besten Robo-Advisor für nachhaltige Produkte: quirion, growney, Scalable Capital.",[2783],{"start":2784,"end":1738,"type":1084},76,{"type":1034,"text":2786,"spans":2787,"direction":1037},"Aber auch Peaks, Smavesto, bevestor und VisualVest haben mit „gut“ abgeschnitten.",[2788,2790],{"start":2789,"end":2062,"type":1084},10,{"start":2791,"end":2201,"type":1084},40,"text_block$aca5256a-ab1d-44b6-bd26-1f62866dabed","Nachhaltige Robo-Advisor 2023: Die Testsieger | FMH","Nachhaltige Robo-Advisor für Einsteiger vergleichen: Performance, Kosten und ESG-Kriterien im Blick. Jetzt passend und digital investieren.",{"dimensions":2796,"alt":2747,"copyright":1051,"url":2797,"id":2749,"edit":2798},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmtWGNHVfTPDkP_e54eab217bb3631ae949bb9645a4393801d0c3a1-robo-advisor-fuer-einsteiger.jpeg?auto=format%2Ccompress&rect=0%2C0%2C2100%2C1103&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":2800,"uid":1472,"url":2801,"type":319,"href":2802,"tags":2803,"first_publication_date":2804,"last_publication_date":2805,"slugs":2806,"linked_documents":2808,"lang":13,"alternate_languages":2809,"data":2810},"aMLyEhEAACEAioo1","\u002Fartikel\u002Fdie-besten-kreditkarten-fuer-reisende-2024-02","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyEhEAACEAioo1%22%29+%5D%5D",[366,536],"2025-11-05T14:37:58+0000","2026-07-23T14:11:50+0000",[2807],"unterschiedliche-kosten-bei-vielen-kreditkarten",[],[],{"publication_date":2811,"last_edit_date":2811,"set_last_edit_date_today":45,"title":2812,"subtitle":2813,"breadcrumb_title":5,"topic":2814,"teaser":2817,"author":2821,"cover":2824,"cover_position":1055,"table_of_content":1056,"toc_calculator":1057,"toc_selection":1058,"carousel_topic_filter":2830,"slices":2831,"meta_title":2872,"meta_description":2873,"meta_image":2874,"meta_indexed":1135},"2024-02-13","Die besten Kreditkarten für Reisende: Ein umfassender Vergleich","FMH-Finanzberatung testet für ntv",{"id":1489,"type":1026,"tags":2815,"lang":13,"slug":1491,"first_publication_date":1492,"last_publication_date":1493,"uid":1494,"link_type":43,"key":2816,"isBroken":45},[],"5d7855ab-3cd5-46de-81f3-2f3b5be5ef97",[2818],{"type":1034,"text":2819,"spans":2820,"direction":1037},"Ob zum Skifahren in die Berge oder auf Safari nach Südafrika: Wer viel verreist, kommt ohne Kreditkarte kaum noch zurecht. Im Auftrag von ntv hat die FMH-Finanzberatung daher untersucht, welche Kreditkarten das beste Preis-Leistungs-Verhältnis haben.",[],{"id":1039,"type":1040,"tags":2822,"lang":13,"slug":1042,"first_publication_date":1043,"last_publication_date":1044,"uid":1042,"link_type":43,"key":2823,"isBroken":45},[],"89263fa7-db41-4c2d-b7ba-235904ae0319",{"dimensions":2825,"alt":2826,"copyright":1051,"url":2827,"id":2828,"edit":2829},{"width":1048,"height":1049},"Paar sitzt am Pool und genießt den Sonnenuntergang","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmd2GNHVfTPDjT_744383c3f980d7232aa10a99a606fcaef228b9ea-paar-am-deluxepool.jpg?auto=format,compress","aMLmd2GNHVfTPDjT",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2832],{"variation":1062,"version":1063,"items":2833,"primary":2834,"id":2871,"slice_type":1126,"slice_label":5},[],{"text":2835,"chart_alt":5},[2836,2839,2842,2845,2848,2851,2854,2857,2860,2863],{"type":1034,"text":2837,"spans":2838,"direction":1037},"Dafür verglichen wird das Kleingedruckte von 23 Produkten und wir legten einen besonderen Schwerpunkt auf die vielfach inkludierten Reiseversicherungen.",[],{"type":1068,"text":2840,"spans":2841,"direction":1037},"Unterschiedliche Kosten bei vielen Kreditkarten",[],{"type":1034,"text":2843,"spans":2844,"direction":1037},"Schon bei der Jahresgebühr zeigten sich deutliche Unterschiede. Zwar gibt es immer noch eine Reihe kostenloser Angebote. Einige Banken verlangen aber auch satte Summen nur für die Ausgabe der Karte: Das teuerste Produkt im aktuellen Vergleich schlägt pro Jahr mit stolzen 140 Euro zu Buche.",[],{"type":1034,"text":2846,"spans":2847,"direction":1037},"Auch wer außerhalb des Euroraums mit der Kreditkarte bezahlt oder damit Geld am Automaten abhebt, dem stellen die Banken sehr unterschiedliche Entgelte in Rechnung. Hier liegen die Kosten bei einem Betrag von 300 Euro zwischen null und 18 Euro.\nAußerhalb der Euro-Währung treibt bei vielen Anbietern zudem das sogenannte Fremdwährungsentgelt die Kosten: Teils fallen dafür bis zu zwei Prozent der Rechnungssumme an.",[],{"type":1075,"text":2849,"spans":2850,"direction":1037},"Reiseversicherungen",[],{"type":1034,"text":2852,"spans":2853,"direction":1037},"Bei den Zusatzleistungen legten wir im Rahmen unseres Vergleichs für ntv besonderen Wert auf die Reiseversicherungen, die bei den meisten Anbietern im Preis eingeschlossen sind. Besonders wichtig waren uns die Auslandsreisekrankenversicherung und die Reiserücktritts- und Verspätungsversicherung.",[],{"type":1034,"text":2855,"spans":2856,"direction":1037},"Hier bewerteten wir vor allem, wann die Versicherungen greifen, welche Summen versichert sind und wer in den Genuss des Versicherungsschutzes kommt.",[],{"type":1068,"text":2858,"spans":2859,"direction":1037},"Wer waren die Sieger?",[],{"type":1034,"text":2861,"spans":2862,"direction":1037},"Testsieger nach diesen Kriterien wurde die Best Card Premium (Santander). Ebenfalls mit sehr gut bewerten wir die Mastercard Gold und WeCanHelp Mastercard von der Advanzia, die beide ohne Jahresgebühr auskommen. Zwei weitere „sehr gut“ gab es für Barclays Platinum Double (Barclays) und die BestCard Extra (Santander).",[],{"type":1034,"text":2864,"spans":2865,"direction":1037},"Sie wollen sich selber auf die Suche nach den besten Kreditkarten machen, kein Problem mit dem Kreditkartenvergleich der FMH.",[2866],{"start":2867,"end":2868,"type":1108,"data":2869},95,124,{"id":512,"type":107,"tags":2870,"lang":13,"slug":110,"first_publication_date":514,"last_publication_date":515,"uid":516,"url":517,"link_type":43,"isBroken":45},[109],"text_block$6dac1575-2659-4849-af59-56adb631f242","Kreditkarten für Reisende: Die besten im ntv-Test | FMH","Die besten Kreditkarten für Reisende im Vergleich: niedrige Gebühren, starke Reiseversicherungen und Top-Leistungen. Jetzt passende Karte finden.",{"dimensions":2875,"alt":2826,"copyright":1051,"url":2876,"id":2828,"edit":2877},{"width":1131,"height":1132},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmd2GNHVfTPDjT_744383c3f980d7232aa10a99a606fcaef228b9ea-paar-am-deluxepool.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26}]