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Die FMH-Finanzberatung ist für Recherche, Datenerhebung, Auswertung und die Produktbewertung verantwortlich.",[],{"type":159,"text":335,"spans":993,"direction":162},[],{"type":975,"text":995,"spans":996,"direction":162},"Untersuchungsdesign im Überblick",[],{"type":998,"text":999,"spans":1000,"direction":162},"list-item","Untersuchungszeitpunkt: 28.01.2026",[],{"type":998,"text":1002,"spans":1003,"direction":162},"Anzahl untersuchter Anbieter: 21 bundesweite Anbieter",[],{"type":998,"text":1005,"spans":1006,"direction":162},"Art der Datenerhebung: Reine Marktbeobachtung",[],{"type":998,"text":1008,"spans":1009,"direction":162},"Untersuchte Produktkategorie: Giro- und Depotkonten",[],{"type":159,"text":335,"spans":1011,"direction":162},[],{"type":975,"text":1013,"spans":1014,"direction":162},"So wurde bewertet",[],{"type":1016,"text":1017,"spans":1018,"direction":162},"heading3","Datenerhebung",[],{"type":998,"text":1020,"spans":1021,"direction":162},"Erhebung der veröffentlichten Daten in PLZ und Preisaushängen",[],{"type":998,"text":1023,"spans":1024,"direction":162},"Berücksichtigung ausschließlich nachprüfbarer Konditionen",[],{"type":1016,"text":1026,"spans":1027,"direction":162},"Bewertete Kriterien Girokonto",[],{"type":998,"text":1029,"spans":1030,"direction":162},"Kontoführungsgebühr p.a. inklusive 1 Debitkarte",[],{"type":998,"text":1032,"spans":1033,"direction":162},"Mindestgeldeingang",[],{"type":998,"text":1035,"spans":1036,"direction":162},"Extras und Boni für Neukunden",[],{"type":1016,"text":1038,"spans":1039,"direction":162},"Bewertete Kriterien Depot",[],{"type":998,"text":1041,"spans":1042,"direction":162},"Depotkosten mit einem Wertpapiersparplan p.a.",[],{"type":998,"text":1044,"spans":1045,"direction":162},"Mindestsparrate",[],{"type":998,"text":1047,"spans":1048,"direction":162},"Kosten pro Ausführung (ETF-Sparplan)",[],{"type":998,"text":1050,"spans":1051,"direction":162},"Transaktionskosten pro Order",[],{"type":998,"text":1035,"spans":1053,"direction":162},[],{"type":1016,"text":1055,"spans":1056,"direction":162},"Vergleichbarkeit",[],{"type":998,"text":1058,"spans":1059,"direction":162},"Einheitliche Stichtage",[],{"type":998,"text":1061,"spans":1062,"direction":162},"Gleiche Annahmen für alle Anbieter",[],{"type":159,"text":335,"spans":1064,"direction":162},[],{"type":975,"text":1066,"spans":1067,"direction":162},"Besonderheiten dieser Auszeichnung",[],{"type":998,"text":1069,"spans":1070,"direction":162},"Fokus auf dauerhaft verfügbare Konditionen",[],{"type":998,"text":1072,"spans":1073,"direction":162},"Keine Gewichtung subjektiver Serviceeinschätzungen",[],{"type":998,"text":1075,"spans":1076,"direction":162},"Kein Mystery-Testing",[],{"type":998,"text":1078,"spans":1079,"direction":162},"Die Auswertung unterscheidet zwischen bundesweiten Filialbanken und Direkt- bzw. Neobanken",[],{"type":159,"text":335,"spans":1081,"direction":162},[],{"type":975,"text":1083,"spans":1084,"direction":162},"Transparenz und Einordnung",[],{"type":159,"text":1086,"spans":1087,"direction":162},"Die FMH-Finanzberatung vergibt Auszeichnungen ausschließlich auf Basis objektiver Analysen. Anbieter können Ergebnisse nicht durch Marketingmaßnahmen beeinflussen. Schlechte Angebote werden nicht künstlich aufgewertet. Bewertungsgrundlagen und Verfahren sind klar definiert und nachvollziehbar.",[],"text_section$845902f4-58e6-417d-96f5-ad4a119f2bbc","text_section","Die besten Girokonten + Depot 2026 | ntv & FMH","Welche Banken bieten die besten Girokonten in Kombination mit einem Depot?\nDie ntv-Redaktion zeichnet gemeinsam mit FMH die besten Anbieter 2026 aus.",{}]