Santander 1|2|3 Giro
4.1
Supafinance.rating
Free cash withdrawals
Rewards & Cashback
Insurances
Trading account
No custody fees
€75 start bonus
Free credit card
Great loyalty program
€ 78
up to 10.2 %
1.85 %
0 %
€ 0
0.3 %
Our take:
A current account for salary earners with rewards
Pros
- Free basic current account if receiving more than 1200 EUR a month
- Loyalty program with up to 108 EUR p.a.
- Free account switching service
- Free real-time transfers
- Full range of banking products optionally available
Cons
- 12 EUR per year for Girocard
- You can apply only in-branch
- 6.50 EUR monthly if not receiving 1200+ EUR per month
| Bank name | Santander (Santander Consumer Bank AG) |
| Account name | Santander 1|2|3 Giro |
| Account opening fee | € 0
|
| Management fee (annualized) | € 78
|
| Management fee waiver (funding) | € 1200
If the amount received is at least €1,200 per month, the account management fee for the respective month is waived (the amount received must be paid into the account in one sum). |
| German IBAN | |
| Custody fee | 0 %
|
| Current account interest on deposits | 0 %
|
| Overdraft interest (arranged) | up to 10.2 %
|
| Overdraft interest (tolerated) | 10.2 %
|
| Foreign currency conversion fee | 1.85 %
|
| Free cash withdrawals | Unlimited free cash withdrawals at Santander and Cashpool ATMs |
| Debit card available | |
| Girocard available | |
| Virtual card available | |
| Credit card available | Free Santander Smart Visa credit card with rewards comes with the account (can be upgraded to premium cards with more benefits) |
| Trading account | |
| Web App | |
| Mobile App | |
| Bank offices (branches) | Santander has a big network of branches around Germany |
| Own ATMs | 2800 ATMs in Germany of a Cashpool Group can be used for free. Those are ATMs of Santander, Sparda, Targobank, Degussa, BBBank and few others. |
| Rewards | |
| Insurances | |
| Joint accounts | On request. Partner card included |