C24 Bank review
A free German current account with cash deposits and paid tiers for more Pockets and cards.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
C24 Bank offers personal current accounts in Germany through mobile apps and desktop online banking. Its Smart account is free and includes a Mastercard, cash deposits, spending analysis, budgeting tools and four Pockets, making it a practical fit for people who want to separate money into subaccounts without paying a monthly account fee. Pockets can have their own IBAN. Mastercard payments in euros and foreign currencies are listed, along with real-time transfers. The service is aimed at personal banking rather than business finances.
The account tiers chiefly differ in cashback, card options and monthly allowances. Smart includes 0.05% cashback, one virtual card and four free withdrawals per month. Plus costs €5.90 per month and adds 0.5% cashback up to €12 monthly, 20 Pockets, 20 virtual cards, 20 free withdrawals and one free deposit per month. Max costs €9.90 per month and offers 1% cashback up to €24 monthly, a metal Mastercard, and the same listed Pocket, virtual-card and withdrawal counts as Plus. Both paid tiers include one free deposit per month. The bank also advertises 1% p.a. on the current account and Tagesgeld pocket.
The combination of cash deposits, Pockets and mobile and desktop access gives C24 a clear fit for German users who value those everyday account features. Its free tier covers a useful set of basics, while Plus and Max mainly make sense for customers who want higher cashback or more card and withdrawal capacity. The published account features are personal, and listed support is by email and documentation. Choose another option if your needs center on business banking or if the described support channels do not suit you.
C24 Bank pros and cons
- Where it wins
- Free Smart account includes Mastercard, cash deposits and 4 Pockets.
- Pockets can include their own IBAN; spending analysis and budgeting are included.
- Plus and Max raise monthly withdrawal limits and add virtual cards.
- Where it doesn't
- Personal accounts only; no business account tier is described.
- Plus and Max cost €5.90 and €9.90 per month, respectively.
- Support channels are limited to email and documentation.
C24 Bank fact sheet, pricing and score →
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