Product Overview

Checking Account – Targobank


This German bank account is provided by Targobank. You can easily register online for the Targobank Online Konto, which is a German checking account (also called: current account). If you visit the bank’s homepage, you will see a red button saying Jetzt beantragen. The process only takes a few minutes. After filling in the online form, you can legitimise yourself via video chat. There is no need to visit a Targobank branch in person. The account management fee is 3.95€ per month, unless your incoming salary is more than 600€ per month. Then, the account is free.

Targobank also offers a flexibel savings account and a fixed-term savings account, where you earn interest on your money every month.

  • Easy registration online
  • Free SMS service regarding your online account
  • Secure and easy online banking
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Cash Withdrawal

free within the Cash Pool ATM network

Debit Card


Overdraft Credit

7.47% to 15.59%

Wire Transfer


All Bank Accounts


Targobank’s bank account has several benefits: There is no overdraft interest rate as long as your overdraft amount is under 50€. To keep an overview over your transactions, Targobank offers a free SMS service regarding your Targobank Online Konto. Included in your account is also a free overdraft alarm (Dispo Melder) which warns you as soon as you overdraw your bank account. With this German bank account, you will also receive a free debit card that allows you to use contactless payment (up to 25€).

In addition, you can use the Targobank Online Konto as an individual account or a joint account.

The Targobank Online Konto has several advantages:

  • Free overnight deposit account included
  • Secure and easy online banking
  • Free online transfers and standing orders within Germany
  • Online security guarantee provided by Targobank; protection from financial loss in case of misuse of your online banking account
  • Free bank account changing service; Targobank moves any debit and standing order from your old account to your Targobank Online Konto for free
  • Free cash withdrawal with debit card possible at any VISA ATM in Germany

If you have any questions or need help, the Targobank customer service can be called Monday to Friday from 8am to 8pm (+49 (0) 21190020910). You can also use the contact form on the Targobank homepage.