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Open a "P-Konto" (account with seizure protection) in Germany

25.1.2021:  This is our recommendation for a secure “P-Konto” (account with seizure protection) – why and the background in the article. The most important data briefly: Withdrawing cash free of charge around the globe (1 × month) Incoming transfers free of charge (5 × month, then 50 cent each) Payments in Euros with the Mastercard are always free of charge … read more

Secret: Whether you get a loan in Germany often depends on where you apply for it!

8.12.2020:  Have you ever noticed that you have to state your exact income at the loan application, but not your expenses? In any case, except for the actual rent costs or possible installments of existing loans. This is due to the fact that banks substract the expenses of the loan applicant with lump sums within the “expenditure account”. … read more

Free Current Account with Branch Office in Germany

2.12.2020:  Yes, many of us do not need a branch office bank anymore and therefore we have a DKB or ING account. Nevertheless, there are people who prefer the personal contact for some bank services. This article has been produced for them. Of course, we all can take part in it and supplement it using the comments feature … read more

Fyrst: Free Business Account in Germany

1.10.2020:  With great joy, I find out that there is currently an increasing number of sideline business creations. This is a good sign for the future. Even if business creations are implemented in front of the uncertainty of a crisis, they can develop a whole lot of positive energy that so far bystanders come to have better thoughts … read more

Unemployed? You, being customer, have to report that to the ING!

28.9.2020:  At first, we thought it is a bad joke – but it is not April anymore. About the facts: New reporting obligation about the change of the employment relationship, AGB (Terms and Conditions) 11 (6) The newly introduced Paragraph 6 of Number 11 of the General Terms and Conditions – valid from the 1st of November – stipulates … read more

"Corona-Loan" for private persons

22.9.2020:  Many of our subscribers of various years have already set up their personal credit line system. The key to it is the 5-credit-lines-system as a supplement to our account system. Perhaps you are not with us since long or have been guided to our smart bank customer community through a recommendation. This article shows you how to … read more

Open a Schufa-free current account …?

29.8.2020:  Yes of course, our subscribers already have a fabulous main account and many already a secondary account as well. It is also known that “too many” current accounts that are entered into the Schufa or a too fast switch (probably) do not have a very good impact on it. Advice: Do not switch “Schufa-entry-required” current accounts too … read more

Bitwala or 1822direkt (Sparkasse)?

18.8.2020:  Of course, this is a hypothetical question, with which we hope to initiate an interesting discussion through the comments feature. Before doing that, we will take a look into the comparison of the accounts of Bitwala and 1822direkt, a new connecting link between the digital currency industry and the real banking system, as well as a “granny-bank” … read more

… before you open a DKB-account!

12.8.2020:  There are two use options: main account sideline account (secondary account, housekeeping account, vacation account, reserve account, etc.) You won’t find such a division in the price-service-listing. The division is made with the use. This is most obvious at the limits. Use the secondary account with the functionality of a main account? You can find tips at … read more

Secret loan from a bank abroad – discrete option for smart bank customers?

8.8.2020:  Even if the here presented option is nothing for you today, please do not discard it immediately. Keep this page in the back of your head or save it. You can also recommend it to others. Many thanks! A. Few known backgrounds are coming to the light A.1 People with a “negative Schufa” Yes, there are people … read more

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