Business banking fees in Germany what accounts cost and how to compare

Snapshot

Business account fees in Germany range from EUR 0 a month with some neobanks to roughly EUR 10 to EUR 35 a month at traditional banks, as of 19 February 2026. Transaction, card and cash handling fees are charged separately and vary by provider and plan.

Cheapest monthly fee: EUR 0 a month with N26 Business Standard for freelancers and sole traders, as of 19 February 2026.
Typical traditional bank: About EUR 10 to EUR 35 a month. The Commerzbank classic account is advertised at about EUR 12.90 a month as of 19 February 2026.
Free option: Yes for freelancers and sole traders. Company accounts usually carry a fee.
Providers compared: 10 or more business accounts

Fees and features as of 19 February 2026Last reviewed 19 February 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Most business accounts in Germany charge a monthly package fee, with separate charges for transfers, cards, cash handling and currency conversion. Digital providers such as N26 Business, Qonto, Finom and Wise Business publish low or zero monthly fees for smaller users, while traditional banks such as Commerzbank, Deutsche Bank and the Sparkassen bundle services into a single monthly price. The reliable way to compare is to read each provider price and services list, the Preis und Leistungsverzeichnis, as of the date you apply. Figures below are shown as of 19 February 2026.

What business accounts cost in Germany

A German business account fee usually has several parts: a monthly account or package fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, and currency conversion costs on foreign payments. Traditional banks tend to bundle a set number of transactions into the monthly fee, then charge for extras. Digital providers tend to advertise a low headline fee and charge for items such as cash handling or transfers beyond a monthly allowance. Comparing only the headline fee can mislead, so add the items your business actually uses.

Monthly account fees

Monthly package fees at traditional banks commonly fall between about EUR 10 and EUR 35. As examples, the Commerzbank classic business account is advertised at about EUR 12.90 a month and the FYRST Complete account, a Deutsche Bank brand, at about EUR 10 a month, both as of 19 February 2026. Digital providers publish lower headline fees, with N26 Business Standard at EUR 0 a month for the self employed, Finom at about EUR 9 a month on its yearly plan, and Qonto from about EUR 9 a month on its entry plan. Confirm current figures with the provider.

Transaction, card and cash fees

Beyond the monthly fee, watch the per item charges. SEPA transfers and direct debits may be included up to an allowance, then priced per item. As an example, Qonto includes a set number of transfers per plan, then charges about EUR 0.20 per extra transfer as of 19 February 2026. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at traditional banks and may be limited at digital providers. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Read each price list for the current figures, since some quotes exclude value added tax.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider

Monthly account or package fee, and what it includes. The Commerzbank classic account is advertised at about EUR 12.90 a month and the FYRST Complete account at about EUR 10 a month, both as of 19 February 2026.
Transfer, direct debit and card fees, plus any allowance of free transactions before charges begin. Digital plans such as N26 Business Standard at EUR 0 a month, Finom at about EUR 9 a month and Qonto from about EUR 9 a month differ widely in what counts as free, as of 19 February 2026.
Cash deposit and withdrawal fees, and currency conversion costs. Digital providers often limit free ATM withdrawals and may decline cash deposits, while multi currency providers such as Wise Business price foreign exchange separately. Verify current figures with the provider.

How to compare fees

List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
Read each provider price and services list, the Preis und Leistungsverzeichnis, and total the monthly fee plus the per item charges for your usage. Note that some quotes exclude value added tax.
Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline monthly fee. Confirm the current schedule with the provider before opening.

Compare business accounts available in Germany

These providers accept business customers in Germany. Fees and eligibility shown as of 19 February 2026. Confirm current terms with the provider before applying.

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Questions about business banking in Germany

What is the cheapest business account in Germany?

For freelancers and sole traders, N26 Business Standard is advertised at EUR 0 a month as of 19 February 2026. The cheapest option overall depends on your transaction mix, since transfer, card, cash and currency fees add to the monthly price. Compare the full fee schedule with the provider before applying. This is general information, not advice.

How much do traditional German banks charge for a business account?

Traditional bank package fees commonly fall between about EUR 10 and EUR 35 a month. As examples, the Commerzbank classic business account is advertised at about EUR 12.90 a month and the FYRST Complete account, a Deutsche Bank brand, at about EUR 10 a month, both as of 19 February 2026. Confirm current pricing with the bank.

Are there hidden fees on German business accounts?

Each provider publishes a price and services list, the Preis und Leistungsverzeichnis, but the headline monthly fee rarely tells the whole story. Watch for per transaction charges, cash handling fees, limits on free transfers and currency conversion costs. Add the items you use to compare fairly. Verify current figures with the provider.

Do neobank business accounts charge for transfers in Germany?

It varies by provider and plan. Some plans include a monthly allowance of free SEPA transfers and charge beyond it, while others charge per transfer or per extra card. Qonto, for example, includes a set number of transfers per plan, then charges per item. Foreign currency payments are usually priced separately. Check the current plan details with the provider, since pricing changes.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 19 February 2026. Confirm current terms with the provider before applying.