Bank Account Fees 2026
Up to 10 EUR/Month - Find Free Alternatives
Many banks are raising account fees significantly. Find free alternatives and save up to 120 EUR per year.
Compare Bank Accounts
Find the best free account for your needs
Account Fees Comparison
| Bank | Category | Monthly Fee |
|---|---|---|
| Sparkasse | Branch Bank | up to 8.99 EUR/month |
| Volksbank | Branch Bank | up to 9.90 EUR/month |
| Deutsche Bank | Branch Bank | from 5.90 EUR/month |
| Commerzbank | Branch Bank | 0 EUR (with deposit) |
| ING | Direct Bank | 0 EUR (from 700 EUR deposit) |
| DKB | Direct Bank | 0 EUR |
| N26 | Neobank | 0 EUR |
| Comdirect | Direct Bank | 0 EUR (with active use) |
As of: March 2026. Subject to change.
How to Avoid Account Fees
Choose Direct Bank
ING, DKB, Comdirect - no branches, no fees. Online banking offers all features.
Use as Salary Account
Many banks waive fees with regular salary deposits (usually from 700-1,000 EUR).
Skip the Extras
Gold cards, add-ons, insurance - only pay for what you actually need.
Watch Out for Hidden Costs
Even "free" accounts can have fees: for paper transfers, cash deposits, foreign currency, or the debit card. Check the price list carefully before switching.
Frequently Asked Questions
Why are bank account fees rising?
Banks suffer from the low interest rate environment and competition from neobanks. To cover costs, many traditional banks are introducing higher account fees or eliminating free account models.
Are there still free bank accounts?
Yes, especially direct banks (ING, DKB, Comdirect) and neobanks (N26, Tomorrow) continue to offer free accounts - often with conditions like minimum monthly deposit or use as salary account.
How do I switch banks?
Since 2016, there is a legal account switching service: the new bank takes over all direct debits and standing orders. The switch usually takes 7-10 business days and is free.
Is switching worth it for 5 EUR/month in fees?
At 5 EUR monthly, you pay 60 EUR/year. Over 10 years, that is 600 EUR. A free account thus saves considerable amounts - and switching is easy.
What about cash at direct banks?
Many direct banks offer free cash withdrawal at partner ATMs (e.g., Cash Group) or worldwide with credit card. Some also allow deposits at retail stores.