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€ pro Jahr zusätzlich zum monatlichen Kontoführungsentgelt.","OPTIONAL_ADDON",1,[285,286],"Santander","CashPool",{"standardFee":288,"conditionsDescription":289},{"amount":250},"Bargeldeinzahlungen in Euro am Terminal oder Schalter der Santander sind im monatlichen Kontoführungsentgelt enthalten.",{"standardFee":291},{"amount":250},{"standardFee":293,"conditionsDescription":295},{"percentage":294},1.562510101010101e-223,"An Automaten mit direktem Kundenentgelt (Surcharge) fällt seitens Santander kein Entgelt an (0,00 €). An Automaten ohne direktes Kundenentgelt werden 1 % vom Verfügungsbetrag, mind. 5,95 € berechnet.",{"standardFee":297,"conditionsDescription":298},{"amount":250},"Kostenlos an eigenen Geldautomaten der Santander.",{"standardFee":300,"conditionsDescription":301},{"percentage":294},"1 % vom Umsatz, mind. 1,00 €.",{"standardFee":303,"conditionsDescription":304},{"percentage":294},"1 % vom Verfügungsbetrag, mind. 5,95 €.",{"standardFee":306,"conditionsDescription":307},{"amount":250},"Kostenlos an allen ca. 2.800 Geldautomaten des CashPool-Verbundes.",{"name":309,"scheme":310,"cardType":276,"designation":277,"isAvailable":47,"issuanceFee":311,"issuanceType":312,"specialFeatures":313,"includedQuantity":283,"withdrawalNetworks":320,"additionalDescription":322,"cashDepositAtTerminal":323,"paymentInHomeCurrency":326,"atmWithdrawalForeignEu":328,"atmWithdrawalOwnNetwork":335,"paymentInForeignCurrency":338,"atmWithdrawalForeignNonEu":342},"Visa Debitkarte","VISA",{"feeAmount":250,"feePeriod":280,"isIncludedInAccountFee":47},"INCLUDED",[314,317],{"name":315,"description":316},"Mobiles Bezahlen","Unterstützt Apple Pay, Google Pay und Garmin Pay.",{"name":318,"description":319},"Cashback im Handel","Kostenlose Bargeldauszahlung bis zu 200 € bei vielen Einzelhändlern in Deutschland.",[321,286],"Visa","Die Karte unterstützt kontaktloses Bezahlen sowie mobiles Bezahlen via Apple Pay, Google Pay und Garmin Pay. Bargeldauszahlungen sind zudem bei teilnehmenden Einzelhändlern bis 200 € kostenlos möglich.",{"standardFee":324,"conditionsDescription":325},{"amount":250},"Kostenlose Bargeldeinzahlungen sind in den Filialen der Santander Bank möglich.",{"standardFee":327},{"amount":250},{"freeQuota":329,"quotaPeriod":330,"standardFee":331,"feeAfterQuota":333,"conditionsDescription":334},6,"MONTH",{"amount":332},4.95,{"amount":332},"Pro Kalendermonat sind die ersten 6 Bargeldabhebungen weltweit gebührenfrei (mit Visa Debit). Ab der 7. Abhebung fällt an fremden Geldautomaten eine Gebühr von 4,95 € an.",{"standardFee":336,"conditionsDescription":337},{"amount":250},"Kostenlos an allen Geldautomaten der Santander sowie an rund 2.800 CashPool-Geldautomaten in Deutschland.",{"standardFee":339,"conditionsDescription":341},{"percentage":340},0.0185,"1,85 % Auslandseinsatzentgelt bei Zahlungen in Fremdwährung.",{"freeQuota":329,"quotaPeriod":330,"standardFee":343,"feeAfterQuota":344,"conditionsDescription":345},{"amount":332,"percentage":340},{"amount":332,"percentage":340},"Pro Kalendermonat sind die ersten 6 Bargeldabhebungen weltweit gebührenfrei (mit Visa Debit). Ab der 7. Abhebung fällt eine Gebühr von 4,95 € an. Auslandseinsatzgebühr: 1.85%.","Eine Girocard ist für das Basiskonto ebenfalls verfügbar und im monatlichen Paketpreis enthalten.",{"accountType":348,"isBranchAccount":47,"isOnlineAccount":47,"hasContractPenalty":47},"BASIC",[],{"bonusOffers":351,"keyFeatures":352},[],[],{"arranged":354,"tolerated":355},{"isAvailable":46},{"isAvailable":46},{"easeScore":357,"canBeDoneFullyOnline":46,"estimatedTimeMinutes":44,"providesImmediateAccess":46,"availableVerificationMethods":358},3,[359,360],"POST_IDENT","BRANCH",{"age":362,"restrictions":363,"targetAudience":367,"conditionsDescription":368,"otherSpecialConditions":369},{},[364],{"type":365,"description":366},"OTHER","Das Basiskonto steht nur Verbrauchern offen, die noch kein anderes Zahlungskonto (z. B. Girokonto) bei einem Kreditinstitut in Deutschland führen.",[],"Basiskonto nach dem Zahlungskontengesetz für Verbraucher mit rechtmäßigem Aufenthalt in der EU, die über kein anderes funktionsfähiges Zahlungskonto in Deutschland verfügen.","Das Konto wird ausschließlich auf Guthabenbasis geführt, die Einräumung eines Dispokredits oder die Ausgabe einer Kreditkarte sind ausgeschlossen. Eine Führung als Pfändungsschutzkonto (P-Konto) ist möglich.",{"overdraft":371,"creditInterest":44,"savingsInterest":44,"accountMaintenance":373},{"arrangedOverdraft":44,"unarrangedOverdraft":44,"additionalDescription":372},"Das Konto wird rein auf Guthabenbasis geführt. Eingeräumte oder geduldete Kontoüberziehungen sind nicht vorgesehen.",{"bestCaseFee":374,"standardFee":374,"conditionGroup":375,"conditionsDescription":378},6.95,{"logic":376,"conditions":377},"AND",[],"Keine Gebührenbefreiung möglich",{"checkDeposit":380,"transactions":383,"onlineTransfer":390,"instantTransfer":393,"standingOrderSetup":395,"counterTransferPaper":398,"directDebitExecution":401,"standingOrderExecution":403},{"standardFee":381,"conditionsDescription":382},{"amount":250},"Die Einreichung von Inlandsschecks zur Gutschrift auf das Girokonto ist in der Regel kostenlos.",{"onlineTransfer":384,"standingOrderSetup":387},{"standardFee":385,"conditionsDescription":386},{"amount":250},"SEPA-Überweisungen im Online-Banking sind kostenlos.",{"standardFee":388,"conditionsDescription":389},{"amount":250},"Einrichtung und Änderung von Daueraufträgen im Online-Banking kostenlos. Beleghafte Erteilung 2,50 €.",{"standardFee":391,"conditionsDescription":392},{"amount":250},"SEPA-Überweisungen im Online-Banking und in der Banking-App sind kostenlos.",{"standardFee":394},{"amount":250},{"standardFee":396,"conditionsDescription":397},{"amount":250},"Einrichtung und Änderung von Daueraufträgen im Online-Banking sind kostenlos. Eine Erteilung in der Filiale oder postalisch kostet 2,50 € pro Vorgang.",{"standardFee":399},{"amount":400},2.5,{"standardFee":402},{"amount":250},{"standardFee":404},{},{"is24x7":46,"channels":406},[360],{"supportsWero":46,"hasBankingApp":47,"hasCardControls":46,"hasMultibanking":46,"paymentServices":408,"weroDescription":412,"hasPhotoTransfer":46,"hasBudgetingTools":46,"hasFreeAuthMethod":47,"hasExpenseAnalysis":46,"hasPushNotifications":46,"hasSecurityGuarantee":46,"hasContractRecognition":46},[409,410,411],"APPLE_PAY","GOOGLE_PAY","GARMIN_PAY",{},{"deposit":414,"withdrawal":417,"partnerNetworks":420,"serviceProvider":44},{"standardFee":415,"conditionsDescription":416},{"amount":250},"Keine Informationen zur Einzelhandel-Einzahlung gefunden.",{"standardFee":418,"maximumTransactionAmount":419,"minimumTransactionAmount":250},{"amount":250},200,[421,422],"Aldi","dm",{"deposit":424,"withdrawal":426},{"standardFee":425},{"amount":250},{"standardFee":427},{"amount":250},{"depositInsurance":429},{"statutorySchemeName":430,"voluntarySchemeName":431,"statutorySchemeCountry":49},"Gesetzliche Einlagensicherung","Freiwillige Einlagensicherung","2026-02-23T10:22:01.919Z",{"id":434,"brandId":38,"importKeys":435,"financeAdsProductIds":437,"productTypeKey":247,"rootWebsiteUrl":438,"affiliateUrl":439,"affiliateUrlSource":44,"affiliateUrlUpdatedAt":44,"nameKey":440,"isActive":47,"popularIndex":441,"fairnessScore":250,"marketingHighlights":442,"lastFetchedByAI":448,"pendingProductDetailVersion":44,"pendingCategorizedDetails":44,"pendingSourceUrl":44,"pendingGeneratedAt":44,"createdAt":449,"updatedAt":450,"brand":451,"productDetailVersion":455},17034,{"bafin":436},"2955_BestGiro_checking_account",[50],"https://www.openbank.de/produkte/konten-und-karten/konten/kostenloses-girokonto/","https://www.financeads.net/tc.php?t=78076C19309003D&product=171","Openbank BestGiro",5,{"header":443,"ribbon":447},{"icon":444,"text":445,"color":446},"i-lucide-piggy-bank","4,00 % Tagesgeld für 4 Monate bis 100.000 €","success",{"text":253,"color":253,"tooltip":253},{},"2026-02-23T10:18:54.079Z","2026-09-07T06:03:06.624Z",{"id":38,"key":39,"slug":40,"importKeys":452,"logoImageId":43,"faviconImageId":44,"rootWebsiteUrl":45,"isRegional":46,"isActive":47,"isPrivateBank":46,"canBeOpenedOnline":47,"brandGroupId":44,"contactForConsumerComplaints":48,"legalDepositInsurance":47,"legalDepositInsuranceCountry":49,"voluntaryDepositInsurance":47,"numberOfDomesticBranches":50,"branchZipCodes":453,"serviceRegionZipPrefixes":44,"numberOfDomesticATMs":223,"financeAdsAdvertiserId":224,"appleAppRating":225,"googlePlayRating":226,"createdAt":227,"updatedAt":228,"logoImage":454},{"bafin":42},[52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139,140,141,142,143,144,145,146,147,148,149,150,151,152,153,154,155,156,157,158,159,160,161,162,163,164,165,166,167,168,169,170,171,172,173,174,175,176,177,178,179,180,181,182,183,184,185,186,187,188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212,213,214,215,216,217,218,219,220,221,222],{"key":230,"bucket":231},{"id":456,"productId":434,"score":457,"maxScore":264,"rank":283,"scorePremium":458,"maxScorePremium":267,"rankPremium":459,"scoreYouth":250,"maxScoreYouth":269,"rankYouth":44,"validFrom":270,"validTo":44,"specificAttributes":460,"changeDescriptionKey":646,"sourceUrl":248,"createdAt":647},30439,305,453,11,{"cards":461,"account":548,"documents":550,"marketing":551,"overdraft":554,"onboarding":561,"eligibility":564,"feesAndRates":571,"transactions":598,"customerSupport":623,"digitalFeatures":625,"companionProducts":628,"cashServicesAtRetail":633,"cashServicesAtCounter":639,"providerInfrastructure":644},{"girocard":462,"debitCard":489,"creditCard":514,"alternativeDebitCardDescription":546,"alternativeCreditCardDescription":547},{"name":274,"scheme":275,"cardType":276,"designation":277,"isAvailable":47,"issuanceFee":463,"issuanceType":282,"includedQuantity":283,"withdrawalNetworks":465,"additionalDescription":466,"cashDepositAtTerminal":467,"paymentInHomeCurrency":470,"atmWithdrawalForeignEu":472,"atmWithdrawalOwnNetwork":477,"paymentInForeignCurrency":480,"atmWithdrawalForeignNonEu":483,"atmWithdrawalPartnerNetwork":486},{"feeAmount":250,"feePeriod":280,"conditionsDescription":464,"isIncludedInAccountFee":47},"Die optionale girocard ist laut Entgeltinformation vom 03.08.2026 kostenlos.",[285,286],"Die girocard ist eine optionale Ergänzung zur standardmäßig enthaltenen, kostenlosen Visa Debitkarte. Sie wird üblicherweise mit einem V PAY Co-Badge ausgegeben.",{"standardFee":468,"conditionsDescription":469},{"amount":250},"Bargeldeinzahlungen an Einzahlungsautomaten in Santander-Filialen sind für Kunden kostenlos.",{"standardFee":471},{"amount":250},{"standardFee":473,"conditionsDescription":476},{"minimumFee":474,"percentage":475},5.95,0.01,"Bei fremden Geldautomaten 1 % des Verfügungsbetrags, mindestens 5,95 €, sofern kein Entgelt mit dem Betreiber vereinbart wurde, bei CashPool-Partnerbanken 0 €.",{"standardFee":478,"conditionsDescription":479},{"amount":250},"Kostenlos an allen Santander-Geldautomaten.",{"standardFee":481,"conditionsDescription":482},{},"Nicht möglich – kein internationales Co-Badge (V PAY ist auf Europa beschränkt).",{"standardFee":484,"conditionsDescription":485},{},"Im außereuropäischen Ausland technisch nicht nutzbar (V PAY Co-Badge).",{"standardFee":487,"conditionsDescription":488},{"amount":250},"Kostenlos an den ca. 2.800 Geldautomaten des CashPool-Verbundes (z.B. Targobank, Sparda-Banken).",{"name":309,"scheme":310,"cardType":276,"designation":277,"isAvailable":47,"issuanceFee":490,"issuanceType":312,"includedQuantity":283,"withdrawalNetworks":491,"additionalDescription":492,"cashDepositAtTerminal":493,"paymentInHomeCurrency":496,"atmWithdrawalForeignEu":498,"atmWithdrawalOwnNetwork":501,"paymentInForeignCurrency":504,"atmWithdrawalForeignNonEu":507,"atmWithdrawalPartnerNetwork":511},{"feeAmount":250,"feePeriod":280,"isIncludedInAccountFee":47},[321,286],"Unterstützt Apple Pay, Google Pay und Garmin Pay. Kostenlose Bargeldabhebung im Einzelhandel (z. B. Aldi, dm) bis 200 € möglich.",{"standardFee":494,"conditionsDescription":495},{"amount":250},"Kostenlose Bargeldeinzahlungen an Santander-Einzahlautomaten möglich.",{"standardFee":497},{"amount":250},{"freeQuota":329,"quotaPeriod":330,"standardFee":499,"feeAfterQuota":500,"conditionsDescription":334},{"amount":332},{"amount":332},{"standardFee":502,"conditionsDescription":503},{"amount":250},"Kostenlos an allen Santander-Geldautomaten. Bargeldabhebungen sind auch nach der 7. Verfügung im Inland gebührenfrei.",{"standardFee":505,"conditionsDescription":506},{"percentage":250},"Kostenlose Zahlungen weltweit mit der Visa Debitkarte (kein Auslandseinsatzentgelt).",{"freeQuota":329,"quotaPeriod":330,"standardFee":508,"feeAfterQuota":509,"conditionsDescription":510},{"amount":332,"percentage":250},{"amount":332,"percentage":250},"Pro Kalendermonat sind die ersten 6 Bargeldabhebungen weltweit gebührenfrei (mit Visa Debit). Ab der 7. Abhebung fällt eine Gebühr von 4,95 € an. Auslandseinsatzgebühr: 0.00%.",{"standardFee":512,"conditionsDescription":513},{"amount":250},"Kostenlose Bargeldabhebungen an rund 2.800 CashPool-Geldautomaten in Deutschland.",{"name":515,"scheme":310,"cardType":516,"designation":277,"isAvailable":47,"issuanceFee":517,"issuanceType":282,"includedQuantity":283,"withdrawalNetworks":520,"additionalDescription":521,"cashDepositAtTerminal":522,"paymentInHomeCurrency":524,"atmWithdrawalForeignEu":526,"atmWithdrawalOwnNetwork":533,"paymentInForeignCurrency":537,"atmWithdrawalForeignNonEu":540,"atmWithdrawalPartnerNetwork":544},"BestCard Smart","CREDIT",{"feeAmount":518,"feePeriod":280,"conditionsDescription":519,"isIncludedInAccountFee":46},24,"24,00 € pro Jahr. Die Jahresgebühr entfällt, wenn im vorangegangenen Kartenjahr mehr als 2.000 € Kaufumsatz erreicht wurden. Bargeldverfügungen und Überweisungen vom Kartenkonto zählen nicht.",[321],"Die BestCard Smart ist die beste optionale Kreditkarte zum BestGiro. Sie ist eine echte Visa-Kreditkarte und kann im Online-Banking auf 100% automatische Lastschrift (Vollzahler) umgestellt werden, um Zinsen vollständig zu vermeiden.",{"standardFee":523},{},{"standardFee":525},{"amount":250},{"freeQuota":527,"quotaPeriod":330,"standardFee":528,"feeAfterQuota":531,"conditionsDescription":532},4,{"minimumFee":529,"percentage":530},5.75,0.035,{"minimumFee":529,"percentage":530},"4 Bargeldabhebungen pro Abrechnungsmonat weltweit gebührenfrei. Ab der 5. Abhebung fallen 3,50 % (mind. 5,75 €) an.",{"freeQuota":527,"quotaPeriod":330,"standardFee":534,"feeAfterQuota":535,"conditionsDescription":536},{"minimumFee":529,"percentage":530},{"minimumFee":529,"percentage":530},"Kostenlos an eigenen Automaten der Santander bis zu 4-mal pro Abrechnungsmonat (im Rahmen des weltweiten Freikontingents).",{"standardFee":538,"conditionsDescription":539},{"percentage":250},"Gebührenfreie Zahlungen weltweit (keine Fremdwährungsgebühr).",{"freeQuota":527,"quotaPeriod":330,"standardFee":541,"feeAfterQuota":542,"conditionsDescription":543},{"minimumFee":529,"percentage":530},{"minimumFee":529,"percentage":530},"4 Bargeldabhebungen pro Abrechnungsmonat weltweit gebührenfrei. Ab der 5. Abhebung fallen 3,50 % (mind. 5,75 €) an. Auslandseinsatzgebühr: 0.00%.",{"standardFee":545},{},"Eine girocard kann optional kostenlos hinzugebucht werden.","Santander BestCard Basic (dauerhaft ohne Jahresgebühr, aber Revolving-Kostenfalle ohne automatischen 100%-Lastschriftausgleich, jede Bargeldabhebung kostet 3,50 %, mind. 5,75 €).",{"accountType":549,"isBranchAccount":47,"isOnlineAccount":47,"hasContractPenalty":47,"jointAccountAvailable":47},"PERSONAL",[],{"bonusOffers":552,"keyFeatures":553},[],[],{"arranged":555,"tolerated":559},{"isAvailable":47,"interestRate":556,"conditionsDescription":558},{"min":557},0.1045,"Zinssatz kann sich ändern.",{"isAvailable":47,"interestRate":560},{"min":557},{"easeScore":527,"canBeDoneFullyOnline":47,"estimatedTimeMinutes":441,"providesImmediateAccess":46,"availableVerificationMethods":562},[563,359,360],"VIDEO_IDENT",{"age":565,"restrictions":567,"targetAudience":568,"conditionsDescription":569,"otherSpecialConditions":570},{"min":566},18,[],[],"Bedingungslos kostenloses Girokonto für Privatpersonen ab 18 Jahren ohne monatlichen Mindestgeldeingang.","Die Eröffnung als Gemeinschaftskonto ist derzeit ausschließlich in einer Filiale der Santander Bank möglich. Für die Kontoeröffnung können Einkommensnachweise erforderlich sein.",{"overdraft":572,"creditInterest":577,"savingsInterest":581,"accountMaintenance":594},{"billingFrequency":573,"arrangedOverdraft":574,"unarrangedOverdraft":576},"QUARTERLY",{"isVariable":47,"interestRate":557,"conditionsDescription":575},"Variable Zinsstaffel: 10,45 % p.a. bis 500 €, 11,45 % p.a. von 500,01 € bis 1.000 € und 13,70 % p.a. ab 1.000,01 €.",{"isVariable":47,"interestRate":557,"conditionsDescription":575},{"tiers":578,"payoutFrequency":280,"conditionsDescription":580},[579],{"rate":250,"fromAmount":250},"Dauerhafter Girokonto-Habenzins 0,00 % p.a. Nach dem 02.06.2026 eröffnete BestGiro-Konten erhalten separat für die ersten zwölf Monate 0,20 % p.a. bis 100.000 €.",{"type":582,"isAvailable":47,"regularRate":583,"promotionalRate":586,"savingsAccountName":592,"additionalDescription":593},"LINKED_SAVINGS_ACCOUNT",{"isVariable":47,"annualInterestRate":584,"conditionsDescription":585},0.02,"Nach der viermonatigen Aktion gilt der variable Openbank-Tagesgeldzins von derzeit 2,00 % p.a.",{"sourceUrl":587,"maximumAmount":588,"durationMonths":527,"offerValidFrom":589,"annualInterestRate":590,"conditionsDescription":591},"https://www.openbank.de/produkte/konditionen/",100000,"2026-09-28",0.04,"4,00 % p.a. für die ersten vier Monate ab Eröffnung bis 100.000 €. Für Guthaben über 100.000 € und nach der Aktion gelten derzeit 2,00 % p.a. Nur wenn in den letzten zwölf Monaten kein Openbank Tagesgeld (ehemals Santander Tagesgeld) geführt wurde.","Openbank Tagesgeld","Separates Openbank Tagesgeldkonto. Die Aktion gilt für Eröffnungen ab 28.09.2026.",{"bestCaseFee":250,"standardFee":250,"conditionGroup":595,"conditionsDescription":597},{"logic":376,"conditions":596},[],"Bedingungslos kostenlos",{"checkDeposit":599,"transactions":603,"onlineTransfer":610,"instantTransfer":612,"standingOrderSetup":614,"counterTransferPaper":617,"directDebitExecution":619,"standingOrderExecution":621},{"standardFee":600,"conditionsDescription":602},{"amount":601},0.3,"Scheckeinreichung (Inlandsschecks): 0,30 € Buchungsgebühr pro Scheck.",{"onlineTransfer":604,"standingOrderSetup":607},{"standardFee":605,"conditionsDescription":606},{"amount":250},"Beleglose SEPA-Überweisung im Online-Banking kostenlos.",{"standardFee":608,"conditionsDescription":609},{"amount":250},"Einrichtung und Änderung online (beleglos) kostenlos. Per Telefon, Post oder in der Filiale fallen 2,50 € pro Auftrag an.",{"standardFee":611,"conditionsDescription":606},{"amount":250},{"standardFee":613},{"amount":250},{"standardFee":615,"conditionsDescription":616},{"amount":250},"Einrichtung und Änderung online kostenlos, telefonisch, postalisch oder in der Filiale 2,50 € pro Vorgang.",{"standardFee":618},{"amount":400},{"standardFee":620},{"amount":250},{"standardFee":622},{},{"is24x7":46,"channels":624},[360],{"supportsWero":46,"hasBankingApp":47,"hasCardControls":46,"hasMultibanking":46,"paymentServices":626,"weroDescription":627,"hasPhotoTransfer":46,"hasBudgetingTools":46,"hasFreeAuthMethod":47,"hasExpenseAnalysis":46,"hasPushNotifications":46,"hasSecurityGuarantee":46,"hasContractRecognition":46},[409,410,411],{},[629],{"name":630,"isIncluded":47,"productType":631,"conditionsDescription":632},"Depot","BROKERAGE_ACCOUNT","Kostenloses Depot inklusive.",{"deposit":634,"withdrawal":636,"partnerNetworks":638,"serviceProvider":44},{"standardFee":635,"conditionsDescription":416},{"amount":250},{"standardFee":637,"maximumTransactionAmount":419,"minimumTransactionAmount":250},{"amount":250},[],{"deposit":640,"withdrawal":642},{"standardFee":641},{"amount":250},{"standardFee":643},{"amount":250},{"depositInsurance":645},{"statutorySchemeName":430,"voluntarySchemeName":431,"statutorySchemeCountry":49},"openbank_rebrand_tagesgeld_2026_09_28","2026-08-17T06:46:04.315Z",{"id":649,"brandId":38,"importKeys":44,"financeAdsProductIds":650,"productTypeKey":651,"rootWebsiteUrl":44,"affiliateUrl":652,"affiliateUrlSource":44,"affiliateUrlUpdatedAt":44,"nameKey":592,"isActive":47,"popularIndex":44,"fairnessScore":250,"marketingHighlights":653,"lastFetchedByAI":44,"pendingProductDetailVersion":44,"pendingCategorizedDetails":44,"pendingSourceUrl":44,"pendingGeneratedAt":44,"createdAt":659,"updatedAt":659,"brand":660,"productDetailVersion":664},21364,[],"savings_account","https://fynfyn.com/go?category=tagesgeld&placement=card_primary&offer_id=santander-tagesgeld&rank=16&source_path=%2Fvergleich%2Ftagesgeld&consent_analytics=false&consent_marketing=false",[654,655,656,657,658],"4,00 % p.a. für Neukunden","Garantie: 4 Monate","Bis 100.000 € Aktionszins","Danach 2,00 % p.a.","Sicherung: 100.000 €\n🇩🇪\nDeutschland\nAAA","2026-06-18T13:21:11.171Z",{"id":38,"key":39,"slug":40,"importKeys":661,"logoImageId":43,"faviconImageId":44,"rootWebsiteUrl":44,"isRegional":46,"isActive":47,"isPrivateBank":46,"canBeOpenedOnline":47,"brandGroupId":44,"contactForConsumerComplaints":48,"legalDepositInsurance":47,"legalDepositInsuranceCountry":49,"voluntaryDepositInsurance":47,"numberOfDomesticBranches":50,"branchZipCodes":662,"serviceRegionZipPrefixes":44,"numberOfDomesticATMs":223,"financeAdsAdvertiserId":224,"appleAppRating":225,"googlePlayRating":226,"createdAt":227,"updatedAt":228,"logoImage":663},{"bafin":42},[52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139,140,141,142,143,144,145,146,147,148,149,150,151,152,153,154,155,156,157,158,159,160,161,162,163,164,165,166,167,168,169,170,171,172,173,174,175,176,177,178,179,180,181,182,183,184,185,186,187,188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212,213,214,215,216,217,218,219,220,221,222],{"key":230,"bucket":231},{"id":665,"productId":649,"score":666,"maxScore":667,"rank":527,"scorePremium":250,"maxScorePremium":668,"rankPremium":44,"scoreYouth":250,"maxScoreYouth":668,"rankYouth":44,"validFrom":669,"validTo":44,"specificAttributes":670,"changeDescriptionKey":691,"sourceUrl":248,"createdAt":669},34720,908,966,1000,"2026-06-18T13:21:11.410Z",{"tax":671,"badges":672,"account":675,"summary":676,"description":677,"feesAndRates":678,"afterPromoText":686,"interestCredit":687,"accessConditions":688,"depositInsurance":689,"standardRateValue":690},{"withholdingTaxHandledByProvider":47},[673,674],"Monatliche Zinsgutschrift","Girokonto erforderlich",{"accountType":549,"isBranchAccount":46,"isOnlineAccount":47},"Tagesgeld mit monatlicher Zinsgutschrift und für Neukunden mit kostenlosem Girokonto.","Für Neukunden ist zur Eröffnung per App ein kostenloses Openbank Girokonto erforderlich. Aktionszins nur ohne Openbank Tagesgeld in den letzten zwölf Monaten.",{"savingsInterest":679,"accountMaintenance":685},{"type":680,"isAvailable":47,"regularRate":681,"payoutFrequency":683,"promotionalRate":684},"ON_ACCOUNT",{"isVariable":47,"annualInterestRate":584,"conditionsDescription":682},"2,00 % p.a. variabel","MONTHLY",{"maximumAmount":588,"durationMonths":527,"offerValidFrom":589,"annualInterestRate":527},{"bestCaseFee":250,"standardFee":250},"Nach Ablauf der 4 Monate gilt der variable Basiszins von 2,00 % p.a. Guthaben über 100.000 € werden bereits während der Aktion mit 2,00 % p.a. verzinst.","Monatlich",{"requiresGiro":47},{"legalDepositInsurance":47,"voluntaryDepositInsurance":47,"legalDepositInsuranceCountry":49},2,"openbank_tagesgeld_2026_09_28",{"id":693,"brandId":38,"importKeys":694,"financeAdsProductIds":696,"productTypeKey":247,"rootWebsiteUrl":697,"affiliateUrl":439,"affiliateUrlSource":698,"affiliateUrlUpdatedAt":699,"nameKey":700,"isActive":47,"popularIndex":44,"fairnessScore":250,"marketingHighlights":701,"lastFetchedByAI":44,"pendingProductDetailVersion":44,"pendingCategorizedDetails":44,"pendingSourceUrl":44,"pendingGeneratedAt":44,"createdAt":706,"updatedAt":707,"brand":708,"productDetailVersion":712},17035,{"bafin":695},"2955_BestGiro für Studenten_checking_account",[],"https://www.openbank.de/produkte/konten-und-karten/konten/studentenkonto/","Hermes Audit (Variation Matching)","2026-08-17T08:03:37.715Z","Openbank BestGiro für Studierende",{"header":702},{"icon":703,"text":704,"color":705},"i-lucide-globe-2","6× monatlich weltweit kostenlos abheben","violet","2026-02-23T10:18:54.085Z","2026-08-17T06:45:23.559Z",{"id":38,"key":39,"slug":40,"importKeys":709,"logoImageId":43,"faviconImageId":44,"rootWebsiteUrl":45,"isRegional":46,"isActive":47,"isPrivateBank":46,"canBeOpenedOnline":47,"brandGroupId":44,"contactForConsumerComplaints":48,"legalDepositInsurance":47,"legalDepositInsuranceCountry":49,"voluntaryDepositInsurance":47,"numberOfDomesticBranches":50,"branchZipCodes":710,"serviceRegionZipPrefixes":44,"numberOfDomesticATMs":223,"financeAdsAdvertiserId":224,"appleAppRating":225,"googlePlayRating":226,"createdAt":227,"updatedAt":228,"logoImage":711},{"bafin":42},[52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116,117,118,119,120,121,122,123,124,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139,140,141,142,143,144,145,146,147,148,149,150,151,152,153,154,155,156,157,158,159,160,161,162,163,164,165,166,167,168,169,170,171,172,173,174,175,176,177,178,179,180,181,182,183,184,185,186,187,188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212,213,214,215,216,217,218,219,220,221,222],{"key":230,"bucket":231},{"id":713,"productId":693,"score":714,"maxScore":264,"rank":459,"scorePremium":715,"maxScorePremium":267,"rankPremium":716,"scoreYouth":717,"maxScoreYouth":269,"rankYouth":718,"validFrom":270,"validTo":44,"specificAttributes":719,"changeDescriptionKey":44,"sourceUrl":44,"createdAt":886},30440,236,434,16,427,51,{"cards":720,"account":778,"documents":780,"marketing":781,"overdraft":793,"onboarding":799,"eligibility":801,"feesAndRates":808,"transactions":840,"customerSupport":865,"digitalFeatures":867,"companionProducts":870,"cashServicesAtRetail":872,"cashServicesAtCounter":879,"providerInfrastructure":884},{"girocard":721,"debitCard":738,"creditCard":757,"alternativeDebitCardDescription":546,"alternativeCreditCardDescription":547},{"name":274,"scheme":275,"cardType":276,"designation":277,"isAvailable":47,"issuanceFee":722,"issuanceType":282,"includedQuantity":283,"withdrawalNetworks":723,"additionalDescription":466,"cashDepositAtTerminal":724,"paymentInHomeCurrency":726,"atmWithdrawalForeignEu":728,"atmWithdrawalOwnNetwork":730,"paymentInForeignCurrency":732,"atmWithdrawalForeignNonEu":734,"atmWithdrawalPartnerNetwork":736},{"feeAmount":250,"feePeriod":280,"conditionsDescription":464,"isIncludedInAccountFee":47},[285,286],{"standardFee":725,"conditionsDescription":469},{"amount":250},{"standardFee":727},{"amount":250},{"standardFee":729,"conditionsDescription":476},{"minimumFee":474,"percentage":475},{"standardFee":731,"conditionsDescription":479},{"amount":250},{"standardFee":733,"conditionsDescription":482},{},{"standardFee":735,"conditionsDescription":485},{},{"standardFee":737,"conditionsDescription":488},{"amount":250},{"name":309,"scheme":310,"cardType":276,"designation":277,"isAvailable":47,"issuanceFee":739,"issuanceType":312,"includedQuantity":283,"withdrawalNetworks":740,"additionalDescription":492,"cashDepositAtTerminal":741,"paymentInHomeCurrency":743,"atmWithdrawalForeignEu":745,"atmWithdrawalOwnNetwork":748,"paymentInForeignCurrency":750,"atmWithdrawalForeignNonEu":752,"atmWithdrawalPartnerNetwork":755},{"feeAmount":250,"feePeriod":280,"isIncludedInAccountFee":47},[321,286],{"standardFee":742,"conditionsDescription":495},{"amount":250},{"standardFee":744},{"amount":250},{"freeQuota":329,"quotaPeriod":330,"standardFee":746,"feeAfterQuota":747,"conditionsDescription":334},{"amount":332},{"amount":332},{"standardFee":749,"conditionsDescription":503},{"amount":250},{"standardFee":751,"conditionsDescription":506},{"percentage":250},{"freeQuota":329,"quotaPeriod":330,"standardFee":753,"feeAfterQuota":754,"conditionsDescription":510},{"amount":332,"percentage":250},{"amount":332,"percentage":250},{"standardFee":756,"conditionsDescription":513},{"amount":250},{"name":515,"scheme":310,"cardType":516,"designation":277,"isAvailable":47,"issuanceFee":758,"issuanceType":282,"includedQuantity":283,"withdrawalNetworks":760,"additionalDescription":521,"cashDepositAtTerminal":761,"paymentInHomeCurrency":763,"atmWithdrawalForeignEu":765,"atmWithdrawalOwnNetwork":768,"paymentInForeignCurrency":771,"atmWithdrawalForeignNonEu":773,"atmWithdrawalPartnerNetwork":776},{"feeAmount":518,"feePeriod":280,"conditionsDescription":759,"isIncludedInAccountFee":46},"Im 1. Jahr kostenlos, danach 24,00 € pro Jahr. Die Jahresgebühr entfällt ab 2.000 € Umsatz im Vorjahr.",[321],{"standardFee":762},{},{"standardFee":764},{"amount":250},{"freeQuota":527,"quotaPeriod":330,"standardFee":766,"feeAfterQuota":767,"conditionsDescription":532},{"minimumFee":529,"percentage":530},{"minimumFee":529,"percentage":530},{"freeQuota":527,"quotaPeriod":330,"standardFee":769,"feeAfterQuota":770,"conditionsDescription":536},{"minimumFee":529,"percentage":530},{"minimumFee":529,"percentage":530},{"standardFee":772,"conditionsDescription":539},{"percentage":250},{"freeQuota":527,"quotaPeriod":330,"standardFee":774,"feeAfterQuota":775,"conditionsDescription":543},{"minimumFee":529,"percentage":530},{"minimumFee":529,"percentage":530},{"standardFee":777},{},{"accountType":779,"isBranchAccount":47,"isOnlineAccount":47,"hasContractPenalty":47,"jointAccountAvailable":46},"STUDENT",[],{"bonusOffers":782,"keyFeatures":792},[783],{"type":784,"title":785,"amount":786,"currency":787,"validUntil":788,"description":789,"valueDescription":785,"conditionsSummary":790,"conditionsDescription":791},"WELCOME_BONUS","75 € Bonus",75,"EUR","2026-08-31","Bei Kontowechsel mit Information an mindestens 4 Zahlungspartner. Aktion gültig bis 31.08.2026.","Online bis 31.08.2026 eröffnen, Neukunde, Kontowechselservice binnen 3 Monaten, mindestens 4 Zahlungspartner.","Online-Eröffnung bis 31.08.2026, in den letzten 24 Monaten kein Girokonto bei der Openbank Deutschland AG, Kontowechselservice innerhalb von 3 Monaten und mindestens 4 Zahlungspartner informieren. Auszahlung 3 Monate nach dem Kontowechselservice zum Monatsende. Frühere Empfänger eines Girokonto-Willkommensbonus sind ausgeschlossen.",[],{"arranged":794,"tolerated":797},{"isAvailable":47,"interestRate":795,"conditionsDescription":558},{"min":796},0.121,{"isAvailable":47,"interestRate":798},{"min":796},{"easeScore":527,"canBeDoneFullyOnline":47,"estimatedTimeMinutes":44,"providesImmediateAccess":46,"availableVerificationMethods":800},[563,360],{"age":802,"restrictions":803,"targetAudience":804,"conditionsDescription":806,"otherSpecialConditions":807},{"min":566},[],[779,805],"APPRENTICE","Kostenloses Girokonto für Studierende und Auszubildende von 18 bis 31 Jahren. Die Kontoführung ist ohne Mindestgeldeingang dauerhaft kostenlos.","Ein Nachweis über den Status als Student (Immatrikulationsbescheinigung) oder Auszubildender (Arbeitsvertrag) ist erforderlich. Ab Vollendung des 31. Lebensjahres wird das Konto automatisch als reguläres BestGiro weitergeführt (behält die kostenfreie Kontoführung jedoch bei). Online-Kontoeröffnung ab 18 Jahren möglich. Bei der regulären Eröffnung werden ggf. Einkommensnachweise abgefragt, für Studenten ist jedoch kein Gehaltseingang erforderlich.",{"overdraft":809,"creditInterest":812,"savingsInterest":817,"accountMaintenance":828},{"billingFrequency":573,"arrangedOverdraft":810,"unarrangedOverdraft":811},{"isVariable":47,"interestRate":796,"conditionsDescription":575},{"isVariable":47,"interestRate":796,"conditionsDescription":575},{"tiers":813,"payoutFrequency":280,"conditionsDescription":816},[814],{"rate":815,"fromAmount":250},0.002,"0,20 % p.a. Guthabenverzinsung auf dem BestGiro für die ersten zwölf Monate ab Kontoeröffnung. Gilt für BestGiro-Konten, die nach dem 02.06.2026 eröffnet wurden. Danach 0,00 % p.a.",{"type":582,"isAvailable":47,"regularRate":818,"promotionalRate":821,"savingsAccountName":826,"additionalDescription":827},{"isVariable":47,"annualInterestRate":819,"conditionsDescription":820},0.003,"Nach der viermonatigen Aktion gilt der variable Tagesgeldzins von derzeit 0,30 % p.a.",{"sourceUrl":822,"durationMonths":527,"offerValidFrom":823,"annualInterestRate":824,"conditionsDescription":825},"https://www.santander.de/privatkunden/anlegen-und-sparen/sparen/tagesgeld/","2026-05-07",0.0275,"2,75 % p.a. für die ersten vier Monate für ab dem 07.05.2026 eröffnete Tagesgeldkonten. Gilt nur, wenn in den letzten zwölf Monaten kein Santander Tagesgeld geführt wurde. Keine Mindest- oder Höchstanlage.","Santander Tagesgeld","Separates Santander Tagesgeldkonto, das auch mit vorhandenem MySantander-Zugang digital eröffnet werden kann.",{"bestCaseFee":250,"standardFee":374,"conditionGroup":829,"conditionsDescription":839},{"logic":376,"conditions":830},[831,836],{"type":832,"purpose":833,"frequency":834,"description":835},"STUDENT_STATUS","FEE_WAIVER","ONE_TIME","Nachweis des Studentenstatus an einer deutschen Hochschule bei Kontoeröffnung",{"type":837,"value":263,"purpose":833,"frequency":834,"description":838},"AGE_BELOW","Gültig bis zum vollendeten 31. Lebensjahr (31. Geburtstag)","Kostenlos für Studenten bis zum 31. Geburtstag",{"checkDeposit":841,"transactions":844,"onlineTransfer":851,"instantTransfer":854,"standingOrderSetup":856,"counterTransferPaper":859,"directDebitExecution":861,"standingOrderExecution":863},{"standardFee":842,"conditionsDescription":843},{"amount":601},"Scheckeinreichungen kosten 0,30 € je Vorgang.",{"onlineTransfer":845,"standingOrderSetup":848},{"standardFee":846,"conditionsDescription":847},{"amount":250},"Kostenlos im Online-Banking und in der Mobile Banking App.",{"standardFee":849,"conditionsDescription":850},{"amount":250},"Einrichtung und Änderung im Online-Banking kostenlos, über Mitarbeiter in der Filiale fällt eine Gebühr an (analog beleghafter Überweisung).",{"standardFee":852,"conditionsDescription":853},{"amount":250},"Beleglose SEPA-Überweisungen via Online-Banking oder App sind kostenlos.",{"standardFee":855},{"amount":250},{"standardFee":857,"conditionsDescription":858},{"amount":250},"Einrichtung und Änderung online kostenlos, in der Filiale fällt eine Gebühr von 2,50 € an.",{"standardFee":860},{"amount":400},{"standardFee":862},{"amount":250},{"standardFee":864},{},{"is24x7":46,"channels":866},[360],{"supportsWero":46,"hasBankingApp":47,"hasCardControls":46,"hasMultibanking":46,"paymentServices":868,"weroDescription":869,"hasPhotoTransfer":46,"hasBudgetingTools":46,"hasFreeAuthMethod":47,"hasExpenseAnalysis":46,"hasPushNotifications":46,"hasSecurityGuarantee":46,"hasContractRecognition":46},[409,410,411],{},[871],{"name":630,"isIncluded":47,"productType":631,"conditionsDescription":632},{"deposit":873,"withdrawal":875,"partnerNetworks":877,"serviceProvider":44},{"standardFee":874,"conditionsDescription":416},{"amount":250},{"standardFee":876,"maximumTransactionAmount":419,"minimumTransactionAmount":250},{"amount":250},[421,878],"DM",{"deposit":880,"withdrawal":882},{"standardFee":881},{"amount":250},{"standardFee":883},{"amount":250},{"depositInsurance":885},{"statutorySchemeName":430,"voluntarySchemeName":431,"statutorySchemeCountry":49},"2026-08-17T06:46:12.565Z",1790593914203]