|Bank||Postbank – eine Niederlassung der DB Privat- und Firmenkundenbank AG|
|Account name||Postbank Business Giro Aktiv|
|Annual account fee||154.80 €|
|Interest rates on overdrafts (based on credit score)||from 7,99 % p.a.|
|Account fee p.a.||154.80 €|
|Credit card fee p.a.||30.00 €|
|Online transactions||0.14 €|
|Paper transactions||2.00 €|
|Telephone banking||3.00 €|
|Fees per payment euro zone||0.00 €|
|Foreign exchange fee||1.85 %|
|Free Withdrawals p.m.||unlimited|
|Cash withdrawal (domestic)||0.00 €|
|Cash withdrawal (euro zone)||0.00 €|
|Foreign exchange fee||1.85 %|
|GmbH / KGaA / AG|
|UG limited liability|
|Partnership under civil law|
|Partnership company (PartG)|
- Services provided by Postbank Business Giro aktiv Business account
- For whom is the Postbank Business Giro actively suitable?
- Postbank Business Giro aktiv Business account: Prices & conditions
- Advantages and disadvantages of the Postbank Business Giro aktiv business account
- Actively opening Postbank Business Giro
- Conclusion on the Postbank Business Giro aktiv business account
Postbank’s business model comprises private customers, business customers and corporate customers. Each customer group benefits from attractive offers with favorable conditions, but also from an individual advisory service in the branches. Postbank thus combines the best from the world of digital services with a personal service when needed. Around 300,000 business customers place their trust in this combination. The Business Giro active business account is interesting for start-ups that are currently being set up.
Services provided by Postbank Business Giro aktiv Business account
The benefits include:
- Account management,
- the issue of a Postbank debit card,
- the establishment of a overdraft facility as well as telephone and mobile banking,
- Sending account statements to an e-mail address,
- the use of the Business Assistant and
- the issuance of a Visa Business credit card.
Cash can be withdrawn at the counter in the branch or at ATMs of banks in the cash group.
For whom is the Postbank Business Giro actively suitable?
The Business Giro aktiv business account was created for companies that have already reached a certain size and therefore carry out a large number of transactions per month. These companies benefit from the particularly attractive fee structure. Of course, it is also an option for companies that are well established and that rate the services as interesting.
Postbank Business Giro aktiv Business account: Prices & conditions
The Postbank Business Giro active is a quite flexible account. The monthly basic fee is 12.90 euros regardless of the credit balance. This includes the issue of the first Postbank Card, the establishment of a overdraft facility and online banking with telephone banking and mobile banking. The use of the Postbank Business Center is also included in the price. There are no costs for sending account statements online; the Postbank Business Assistant is also free of charge. The Visa Business Classic credit card is free for the first year, after that the fee is 30 euros per year. Starting in the second year, fees of 80 euros will be charged for the gold card; in the first year they will be 40 euros. For paperless bookings, the fee is 0.12 euros per order, if receipts are available, the costs rise to 1.50 euros per transaction. The cost of issuing bank statements at the machine is 0.50 euros per statement, while postal delivery costs 1.50 euros per shipment. The credit interest amounts to 7.99 euros.
Advantages and disadvantages of the Postbank Business Giro aktiv business account
Postbank’s Business Giro aktiv business account combines the advantages of online banking and mobile banking with professional service in a branch. Business customers thus receive the entire service package that is important for founders and established companies. Particularly in the face of an imminent financial bottleneck, it is often not possible without sound advice from the bank and regular contact with the bank advisor. This service is important for companies in growth, but also for established medium-sized companies. The fee structure is relatively complex. In addition, the fees are charged every month and are a significant factor in the long term. If a company has already reached a certain size and achieves regular sales, these costs will not be particularly significant. The situation is different for young companies that are not yet established and do not yet have regular incoming payments. The Business Giro is actively less suitable for these companies.
Actively opening Postbank Business Giro
The Business Giro aktiv is opened online on Postbank’s website. The data is transferred via a secure connection. Only a small amount of information is required for the opening. The process is easy to understand and intuitive. After the online opening, identification is required; it can be carried out quickly at the post office branch using PostIdent.
Conclusion on the Postbank Business Giro aktiv business account
This Postbank business account was developed for companies that have already reached a certain size and generate regular sales. For these customers, the account offers an interesting combination of low-cost online services and personal service in the branch. The Postbank Business Giro aktiv plus business account also includes even more services. The Business Giro, on the other hand, is also suitable for freelancers.