Neu Kundinnen und Kunden von C24 können sich jetzt eine Wechselprämie über 75 Euro sichern.
Zur Auswahl stehen das kostenlose Konto C24 Smart, C24 Plus für 5,90 Euro im Monat und C24 Max für 9,90 Euro im Monat.
Online-Banken, also Neobanken, have exploded in popularity, and C24 consistently ranks among the most favored in Germany. A recent ranking by „Deutschland Test“ and „Focus Money“ places C24 within the top three providers. Now, to potentially climb to the number one spot, C24 is enticing new customers with a 75 Euro switching bonus. If you’re considering a new bank account, this offer could be a significant benefit. Here’s a breakdown of what you need to know, how to claim the bonus, and whether it’s worth it.
The 75 Euro Switching Bonus: What You Need to Know
The offer is open to all new C24 customers who meet the requirements for opening a current account. These include being of legal age, residing in Germany with tax obligations, and not being subject to US tax laws. A supported form of identification (like a German or international passport) is also required. Crucially, you must not have held an open or closed C24 Bank account within the last twelve months to qualify.
How to Claim Your 75 Euro Bonus
To participate, you’ll need to choose one of three C24 account options:
- The free C24 Smart account
- The C24 Plus account for 5.90 Euro per month, offering enhanced benefits
- The C24 Max account for 9.90 Euro per month, with premium features and exclusive perks
You’ll also need to utilize the digital account switching service provided by Check24 to be eligible for the bonus. This service also facilitates the closure of your existing bank account. The bonus will be credited 14 days after your old account is closed, provided the entire process is completed within 90 days of your application. Here’s a step-by-step guide:
- Apply for and open a C24 Smart, Plus, or Max account*
- Complete the account transfer process through Check24
- Close your old account within 90 days of applying
- Receive the 75 Euro credit 14 days after your old account is closed
Is the C24 Bonus Worth It?
Many banks now offer incentives for opening new current accounts. However, C24’s 75 Euro bonus is often higher than the average of around 50 Euro offered by competitors. This makes the C24 offer particularly attractive. Furthermore, the Check24 account switching service simplifies the migration process, minimizing effort on your part. This service automatically notifies all your contractual partners and direct debit recipients of your new account details. C24’s three account models – Smart, Plus, and Max – also offer a range of features to suit different needs. Here’s a comparison:
| C24 Smart | C24 Plus | C24 Max | |
| Monthly Fee | Free | €5.90 | €9.90 |
| Cashback | 0.05% | Up to 0.5% (€12 max) | Up to 1% (€24 max) |
| Promotional Cashback | Up to 2.5% | Up to 5% | Up to 10% |
| Card | Free C24 Mastercard (standard color), free virtual Mastercard, optional Girocard | Free C24 Mastercard (4 colors), 20 free virtual Mastercards, optional Girocard | Free C24 Metal Mastercard (custom color), 20 free virtual Mastercards, optional Girocard |
| Euro Payments | Free | Free | Free |
| Foreign Currency Payments | Free | Free | Free |
| Free Withdrawals/Month | 4 | 20 | 20 |
| Interest Rate | 0.5% p.a. | 0.5% p.a. | 0.5% p.a. |
| Free Sub-Accounts | 4 | 20 | 20 |
| Free Deposits | None | 1/month | 1/month |
| Additional Features | Account sharing, overdraft (7.49% up to €10,000), instant transfers, deposit protection, spending analysis, contactless payments, online banking | Account sharing, overdraft (7.49% up to €10,000), instant transfers, deposit protection, spending analysis, contactless payments, online banking | Account sharing, overdraft (7.49% up to €10,000), instant transfers, deposit protection, spending analysis, contactless payments, online banking |
| Exclusive Benefits | None | Account & Buyer Protection Plus | Account & Buyer Protection Plus, priority customer service, free Check24 Travel Gold Club membership |
OPEN AN ACCOUNT NOW
Which Account is Right for You?
For most users, the free C24 Smart account will likely suffice. It provides all the essential features for everyday banking. However, be mindful of the limitations, such as the inability to deposit cash. If you frequently need to withdraw cash, upgrading to C24 Plus for €5.90 per month might be worthwhile. C24 Max is only recommended if you plan to utilize the exclusive benefits.
Beyond the bonus, all accounts offer benefits like cashback – though at varying rates. C24 Max offers the highest cashback (1%), but you’d need to spend at least €42 per month to recoup the €9.90 monthly fee. Therefore, C24 Max is best suited for high-volume users.
Pro Tip: Consider your spending habits. If you primarily use digital payment methods, the Smart account might be ideal. If you frequently travel or make international purchases, the Plus or Max accounts with their free foreign currency transactions could save you money.
Did You Know?
Neobanks like C24 often offer more competitive interest rates on savings accounts compared to traditional banks. It’s worth exploring their savings options alongside the current account benefits.
Reader Question:
“I’m worried about the security of online-only banks. How safe is my money with C24?”
C24, like all banks in Germany, is covered by the German deposit protection scheme, which protects your deposits up to €100,000 per depositor. They also employ robust security measures, including encryption and two-factor authentication, to protect your account from unauthorized access.
