Die Zahl der Banken und Kreditinstitute, die ihren Kunden kostenlose Girokonten anbietet, steigt stetig an. Die Banken wollen so sicher gehen, dass sie ihre Stammkundschaft behält oder auch ihren Kundenstamm erweitern. Für den Kunden haben diese zahlreichen Angebote für kostenlose Girokonten natürlich jede Menge Vorteile. Wenn der Kunde jedoch nicht aufpasst, kann so ein Angebot schnell auch zum Nachteil werden.
Keine Kontoführungsgebühren:
Die Vorteile eines kostenlosen Girokontos liegen auf der Hand, der Kunde kann sein Konto führen, ohne das ihm dafür Kontoführungsgebühren von seiner Bank berechnet werden. Häufig werden dem Kunden von seiner Bank zusätzlich auch noch kostenlose Kreditkarten oder andere kostenlose Serviceleistungen angeboten. Manche Banken, die ein kostenloses Girokonto anbieten, versprechen ihren Kunden auch, dass ihr Geld von Anfang an gut verzinst wird, ohne das ein Mindestbetrag auf dem Konto liegen muss.
Vorab informieren:
Wenn man sich als Kunde jedoch nicht ausreichend informiert und die Angebote der Banken nicht miteinander vergleicht, kann sich so ein kostenloses Girokonto auch schnell als Niete erweisen. So verwenden einige Banken das kostenlose Girokonto als Lockmittel für neue Kunden. Wobei es dann oft so ist, dass das Angebot für ein Konto ohne Kosten nur für einen bestimmten Zeitraum (zum Beispiel 6 Monate) gültig ist. Danach werden dem Kunden dann die vollen Kontoführungsgebühren berechnet.
Zinsen vergleichen:
Und auch auf die Verzinsung des Guthabens oder den Zinsen für eine Kontoüberziehung muss man bei solchen Angeboten genau achten. Denn Banken die ein kostenloses Girokonto anbieten, haben nicht immer die besten Zinsangebote für ein Guthaben auf dem Konto. Obendrein werden Kontoüberziehungen oftmals mit horrenden Sollzinsen bestraft.
Pro:
- Gebühren: Es fallen bei kostenlosen Girokonten meistens auch keine weiteren Gebühren an
- Flexibilität: Das Girokonto kann meist als “zusätzliches” Konto geführt werden
- Zinsen: Auch manche Girokonten bieten attraktive Habenzinsen, so dass auf ein zusätzliches Tagesgeldkonto verzichtet werden kann
Kontra:
- Zahlungseingänge: Manche Anbieter verlangen monatliche Mindesteinzahlungen, damit das Konto kostenlos bleibt
- Zusatzbedingungen: Bei einigen Banken ist die Nutzung eines kostenlosen Kontos an weitere Bedingungen geknüpft
- Lockangebot: Einige Angebote sind sogenannte Lockangebote und werben mit besonders günstigen Konditionen, die nur für einen kurzen Zeitraum gelten
- Zinsen: Girokonten haben in der Regel hohe Überziehungszinsen
Fazit:
Zusammengefasst kann man festhalten, dass ein kostenlose Girokonten durchaus zu empfehlen sind. Man sollte sich jedoch bei der Auswahl seiner Bank nicht von Lockangeboten verleiten lassen. Vielmehr sollte das Augenmerk darauf gerichtet werden, ob die Konditionen der Bank (kostenloses Kontoführung, hohe Guthabensverzinsung, niedrige Sollzinsen) langfristig gewährleistet sind.
Wie bereits richtig geschrieben, muss man bei den kostenlosen Girokonten aufpassen und immer auch das “Kleingedruckte” lesen; wie woanders auch 😉
Ich denke aber wenn man sich gut Informiert – und es gibt im Internet ja eine Vielzahl von Vergleichsrechnern die einem die Arbeit abnehmen, wie z.B. auf http://www.1aVersicherung.net, kann man die wesentlichen Bedingungen relativ einfach erfassen. Was hoch ist der monatl. Geldeingang, wie hoch ist der mittl. Geldbestand, etc. – so dass die Bedingungen sauber verglichen werden können; dann steht einem kostenlosen Girokonto denke ich nicht’s mehr im Weg.
PS:
Ich selbst habe mich für ein kostenloses Girokonto bei einem überregionalen Anbieter entschieden, da ich dann bei einem Umzug nicht wieder alle Bankverbindungen ändern muss – das spar extrem viel Zeit 🙂
Vielleicht sollte man auch sagen, dass es oft auch speziell für Schüler und Studenten eigene, kostenlose Girokonten gibt. Diese sind in der Regel solange kostenlos bis Schule oder Studium abgeschlossen ist.
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