norisbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
norisbank pairs a current account charging €0 a month with euro savings paying 2.25% and daily access, all under norisbank GmbH. It suits readers in Germany who want spare cash earning interest without a notice period, and less so anyone shopping for card rewards or a multi-currency account.
Key facts
- Best for
- Readers in Germany who want daily-access savings paying 2.25% next to a current account with a monthly fee of €0.
- Monthly fee
- €0↗
- Currency conversion fee
- 0.5%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- norisbank GmbH↗
- Headquarters
- Germany↗
- Founded
- 1965↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Same-day funding
- Official website
- norisbank.de
Loans
- APR
- 3.69% to 14.4%↗
- Loan amount
- €1,000 to €65,000↗
- Term
- 12 to 120 months↗
- Credit check
- Hard↗
- Funding time
- Loan amount transferred to your current account within 24 hours of approval↗
- Representative example
- Ratenkredit: net loan amount EUR 10,000, effective annual rate 7.90%, fixed nominal rate 7.62% p.a., 48 monthly instalments, monthly instalment EUR 242.98, total amount EUR 11,661.06; received by at least 2/3 of customers↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- At least 18 years old, in regular non-self-employed employment for at least 6 months, sufficient creditworthiness; no loans for the self-employed↗
- Loan types
- Personal, Debt-consolidation, Car↗
- Credit needed
- Good↗
- Use cases
- Home-improvement↗
- Pricing model
- No monthly fee
Savings
Brokers
- Account fee
- €46.80↗
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- Current account monthly fee €0, with savings open from a minimum deposit of €0.
- Daily available savings paying 2.25% on a variable rate, with interest credited quarterly.
- Savings protection is EU DGS up to EUR 100,000.
- Help reaches you by email, phone and help centre.
Cons
- The credit card costs €24 a year and the rewards type is none.
- Currency conversion on the current account costs 0.5%, so spending abroad carries a cost.
- The personal loan runs a hard credit check on good credit and is not offered to the self-employed.
Who it suits
- Readers in Germany who want savings interest on money they may need at short notice, given daily access.
- Regularly employed borrowers planning a car, a home project or debt consolidation, with personal, debt consolidation and car available and free early repayment on the loan.
- People who prefer one German brand for the current account, the savings balance, the card and the loan.
Who should look elsewhere
- Card-led spenders who want rewards: the rewards type is none and the credit card costs €24 a year, so a rewards card like Varo Believe Secured Credit Card is a closer fit.
- Readers who need many currencies: conversion costs 0.5% here, so a multi-currency account such as Wise suits them better.
- The self-employed, since the loan side does not lend to self-employed applicants.
How norisbank compares
9.5 vs 9.4
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Where norisbank is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does norisbank cost to run?+
The current account charges a monthly fee of €0 and the savings account no monthly fee, listed as no monthly fee. The credit card adds €24 a year, and currency conversion on the current account costs 0.5%. Support runs by email, phone and help centre.
How much interest do I earn, and can I reach my money?+
Savings pay 2.25% on a variable rate, described as easy access. The balance is daily available and interest is credited quarterly, and the minimum deposit is €0. Withdrawals go only to the current account you hold with them, so plan around that limit.
Is my money protected?+
The savings sit with norisbank GmbH in Germany, and deposit protection is EU DGS up to EUR 100,000. That scheme covers eligible deposits up to the stated ceiling, so a larger balance would sit above the cover. Card and loan money are separate from the savings protection.
Which card do I get and what does it cost?+
The everyday card is a debit card on the Mastercard network, and a credit card is also listed at €24 a year. The rewards type is none, so the card side earns nothing back on spending.
Can I borrow, and who can apply?+
Personal loans run at 3.69% to 14.4%, with amounts of €1,000 to €65,000 and terms of 12 to 120. Applicants need a hard credit check and good credit, plus a minimum age and a waiting period in regular non-self-employed employment. The self-employed are not eligible.
How fast is the money, and can I repay early?+
norisbank lends directly, as a direct lender, and lists same day funding. Once a loan is approved the money lands in the norisbank current account well inside a day. Early repayment is free, so a loan can be settled ahead of schedule without a charge, and personal, debt consolidation and car are covered, with home improvement the stated use.
Who runs norisbank, and how old is it?+
The accounts are run by norisbank GmbH, based in Germany and founded in 1965. Current account, savings, cards and loans all sit under that one German brand, so a reader can keep the account, the savings balance and the loan together rather than splitting them.
Sources
- finanzen.check24.de/girokonto-produkte/doc/6a3bf83d71ea5a... checked September 26, 2026
Backs: Account fee
- norisbank.de/dam/norisbank/de/shared/pdf/entgeltinformati... checked September 26, 2026
Backs: Currency conversion fee
- norisbank.de/geldanlage/tagesgeld-festgeld/tagesgeld.html checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“Kostenlose Kontofuehrung: 5 Konten, 0 Euro Gebuehren”
- norisbank.de/girokonto/karten/debitkarte.html checked September 26, 2026
Backs: Card type, Card network
- norisbank.de/girokonto/karten/uebersicht.html checked September 26, 2026
Backs: Annual fee, Card kind, Rewards type
“0 Euro fuer Inhaber Top-Girokonto, sonst 24 Euro p.a. - Mastercard direkt (Debitkarte)”
- norisbank.de/girokonto/privatkunden/top-girokonto.html checked September 26, 2026
Backs: Monthly fee
“Kostenloses Girokonto unter 30 Jahren - Top-Girokonto”
- norisbank.de/kredit.html checked September 26, 2026
Backs: Loan types, Use cases
- norisbank.de/kredit/privatkredit/ratenkredit.html checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Representative example, Term
“Ratenkredit: Nettodarlehensbetrag 1.000 bis 65.000 Euro”
- norisbank.de/service/kontakt-und-wissen/finanzwissen/kred... checked September 26, 2026
Backs: Credit needed
- norisbank.de/service/kontakt-und-wissen/impressum.html checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Support channels
“Geschaeftsadresse/Firmensitz Bundeskanzlerplatz 4, 53113 Bonn”
- norisbank.de/ueber-uns/norisbank/ueberblick.html checked September 26, 2026
Backs: Founded
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Related by the facts
norisbank
Readers in Germany who want daily-access savings paying 2.25% next to a current account with a monthly fee of €0.