Postbank Business Giro

Annual account feeAccount fee
118.80  €
Cash withdrawal
Cash withdrawal note
Postbank VPay-Card allows you to withdraw money at over 10.000 ATMS in Germany free of charge. Postbank Mastercard allows for free money withdrawal worldwide.
0.00 €
Interest rate p.a.
from 7,99 %
  • All legal types possible
  • Unlimited user accounts
  • Benefits of Online Banking and branch bank combined
  • Phone Banking & Support
  • Virtually all essential banking products available
  • Registration form is in German
Apply now →
Postbank Business Giro
Grade 2.1
Yearly Fee
14 of 15
Onlinebanking & -fees
5 of 22
Telephonebanking & Offline banking
4 of 6
5 of 5
Credit Card & Bank Card
14 of 14
Card payments
11 of 20
Mobile payments
0 of 3
Flexibility of legal types
12 of 12
Apps, Useraccounts & Deposit Insurance
17 of 19
0 of 2
Accounting, Billing & other features
0 of 10
82 of 128
Grade 2.1
Bank Postbank – eine Niederlassung der DB Privat- und Firmenkundenbank AG
Account name Postbank Business Giro
Annual account feeAccount fee 118.80 €
Credit interest
Interest rates on overdrafts (based on credit score) from 7,99 % p.a.
Costs & Fees
Annual Fees
Account fee p.a. 118.80 €
Credit card fee p.a. 30.00 €
Transaction fees
Online transactions 0.22 €
Paper transactions 2.50 €
Telephone banking 3.00 €
Payment costs
Credit Card Visa
Fees per payment euro zone 0.00 €
Foreign exchange fee 1.85 %
Cash withdrawal costs
Free Withdrawals p.m. unlimited
Cash withdrawal (domestic) 0.00 €
Cash withdrawal (euro zone) 0.00 €
Foreign exchange fee 1.85 %
Legal forms
Freelancers & Sole Proprietors
Sole proprietorship
Sole traders
Corporations & Limited Companies
GmbH / KGaA / AG
UG limited liability
Limited (Ltd)
Partnership under civil law
Kommanditgesellschaft (KG)
General partnership
Partnership company (PartG)

Postbank unites the private, business and corporate customer business lines under one roof. Across all lines of business, it aims to address customers with a combination of understandable and cost-effective banking products, using a combination of branch and online service. The business and corporate customer segment comprises around 300,000 companies, with business customers primarily comprising the self-employed, tradespeople and freelancers. In addition to the Business Giro account for beginners, Postbank offers two other account models for this clientele.

Services of the Postbank Business Giro business account

In addition to account management via online banking, the Postbank Business Giro contains a Postbank Card as a debit card. A current account credit can be granted for the account. In addition to online banking, telephone banking or mobile banking are also possible. The account statements are sent online to the message box. Upon request, any business customer can use the advisory service at Postbank branches. In addition to the Postbank Card, a Visa Business Card Classic or a Business Card Gold can be issued.

Who is the Postbank Business Giro business account suitable for?

The Postbank Business Giro Account is designed to appeal to start-ups in the start-up phase. The Business Giro business account is tailored to the special needs of this customer group. It combines flexible online banking with individual advisory services and an attractive price.

Postbank Business Giro business account: Prices & conditions

The account maintenance fee depends on the average credit balance of the account. If it is less than 5,000 euros, the costs per month are nine euros, with a balance of 5,000 euros or more only 5.90 euros. This price includes the account management with the online dispatch of the account statements. For transactions without receipts there are costs of 0.20 Euro per transaction, for receipts 1.50 Euro per transaction have to be paid. Cash withdrawals in the branch and at the cash dispensers of partners of the cash group are free of charge. The use of the Service Center for business customers is also included in the basic fee. An overdraft facility can be set up if the creditworthiness is available. There are no fees for issuing the first Postbank Debit Card, each additional one costs 0.50 euros per month. The Visa Card Classic costs a basic fee of 30 euros per year, while the gold version costs 80 euros. The current account credit costs 7.99 percent interest per year.

Special features of the Postbank Business Giro business account

The additional services associated with the Postbank Business Giro are interesting. The Business Assistant in the Tablet App combines online banking with administrative tasks in the office, such as managing projects or orders. This makes it easy to create offers, orders and invoices. The Paydirekt online payment method is another service for the account. It is intended for account holders who offer products or services online. Paydirekt is a secure online payment option that allows customers to pay for purchases directly online from their account.

Postbank Business Giro business account: Advantages and disadvantages

One of Postbank’s major advantages is its comprehensive branch service with advice. The Business Giro business account contains all the important services of a current account, including a overdraft facility at reasonable prices. The disadvantage is that the basic fee differs according to the amount of the average turnover.

Open Postbank Business Giro

The Business Giro business account is opened online. The user guidance is understandable and intuitive, so that only a few details are required. At the opening, personal and business data must be entered and transmitted via a secure connection.

Conclusion on the Postbank Business Giro business account

The Business Giro is ideal for freelancers who only carry out a manageable number of transactions per month. The costs are manageable for this customer group. However, there should already be a certain turnover for the company, because the monthly fee for the account depends on the average turnover. For this fee, freelancers receive a solid account with all the important services, including advice in the branch. If you need even more scope and services, the Postbank business accounts Giro aktiv and Giro aktiv plus could also be interesting for you.

de de en en angle-down-solid angle-down-solid filter filter video video pencil pencil contactless contactless Card Card thumb thumb minus minus info info logo-b logo-b check-green check-green Nein Nein Ja close close search search facebook facebook twitter twitter linkedin linkedin xing xing mail mail print print