C24 Bank: Account management fees at a glance (01/2025)

The C24 Bench is one of the modern neobanks that want to score points with flexibility, smart functions and a clear fee model.

But how cheap is the account really? And where are the costs perhaps hidden? In this article we take a close look at them C24 Bank account management feesso you know what you’re getting into – transparently and without surprises.

C24: Costs for the current account at a glance

C24 Bank offers three different account models tailored to different needs – from free to premium.

But how much does which account cost and what services are included? We have the details about the models C24 Smart, C24 Plus and C24 Max compiled for you so that you can find the account that suits you best.

C24 Bank offers a fee model that adapts flexibly to your needs. The free one C24 Smart is a solid choice for anyone who doesn’t want to pay monthly fees but still wants to use all the basic banking features – perfect for everyday life.

With the C24 Plus For €5.90 a month you get a lot more: more free withdrawals, an attractive cashback of 0.5% and additional functions that can quickly pay off for active users.

The C24 Max stands out with €9.90 per month and extras such as the exclusive metal card and up to 1% cashback. This account is an interesting option for anyone who travels a lot or appreciates premium services.

Overall, the costs of C24 Bank are clear and fair. The free account already offers practical functions such as interest on the balance and unlimited deposits – a real highlight compared to many other banks.

Overview: Credit card fees at C24

The C24 Mastercard is a debit card that is linked directly to your checking account at C24 Bank.

This means that all sales are debited from the account immediately – there is no traditional credit line. Nevertheless, the card scores with low fees and attractive conditions, especially when making payments abroad.

Card payments at C24 – free worldwide

With the C24 Mastercard you can pay worldwide, without additional foreign currency fees. No matter whether on vacation or online – payments are always free of charge. The card is included in all account models (Smart, Plus, Max) and does not incur a basic fee.

Cash withdrawals from C24 – how often is it free?

Depending on your account model, you can make a certain number of cash withdrawals per month free of charge:

• C24 Smart: 4 free withdrawals, then €2 per withdrawal.
• C24 Plus: 6 free withdrawals, then €2 per withdrawal.
• C24 Max: 8 free withdrawals, then €2 per withdrawal.

Additional costs at C24 – replacement card and deposits

• Replacement card: A standard card costs €8, a metal card (C24 Max only) costs €49.90.
• Cash deposits: The first deposit of the month is free. For each additional transaction a fee of 1.75% of the deposit amount applies.

Special features – Ideal for travel

The C24 Mastercard is particularly attractive for anyone who travels around the world and wants to avoid hidden fees.

The lack of foreign currency fees makes the card a good choice for frequent travelers. The card also offers additional benefits such as cashback or insurance with the Plus and Max account models.

Conclusion: The C24 Mastercard combines easy handling with fair fees. Whether in everyday life or when traveling – it is a solid option, especially when used in foreign currencies.

What additional fees does C24 Bank charge?

C24 Bank offers transparent conditions, but additional fees may apply for certain transactions. These often depend on frequency of use or specific requirements. Here you will find the most important information about the fees.

C24 fees for cash withdrawals in Germany

When making cash withdrawals, the number of free transactions depends on the account model chosen:

• C24 Smart: 4 free withdrawals per month, then €2 per withdrawal.
• C24 Plus: 6 free withdrawals per month, then €2 per withdrawal.
• C24 Max: 8 free withdrawals per month, then €2 per withdrawal.

The same conditions apply abroad as in Germany. However, additional fees may be charged by ATM operators – C24 Bank has no influence on this.

Particularly positive: Card payments abroad are free of charge, even in foreign currencies. The Mastercard exchange rate is used here without additional surcharges.

Account movements: How much do transfers at C24 cost?

C24 Bank does not charge any fees for transfers within Germany and the EU (SEPA) – this also applies to real-time transfers.
The situation is different for international transfers outside the SEPA area:

• Non-SEPA transfers: 15 € per operation.
• Callback or investigation for transfers: 10 to 15 €, depending on the effort.
• Standing orders: Setup or changes are free and easy to do via the app.

Additional costs for C24 in detail

While most standard transactions are free, exceptional transactions may incur fees, such as:

• Cash withdrawals beyond the limit: €2 per withdrawal.
• Non-SEPA transfers: €15 per transfer.
• Recalls of transfers: up to 15 €.

C24 costs: Is the current account worth it?

C24 Bank attracts customers with a clear, modern approach: transparent fees and attractive extras.

But the question of whether the account is worth it for you depends largely on your individual requirements.

The free C24 Smart – good for occasional users

It’s free for everyone who wants to pay as little as possible C24 Smart the ideal choice.

No basic monthly fees and still good basic features: four free cash withdrawals per month and fee-free card payments worldwide. Perfect for everyone who mainly pays digitally and only needs cash occasionally.

Our impression: If you can get by with four cash withdrawals per month and do without large extras, the Smart account is absolutely sufficient.

C24 Plus – the solid all-rounder

The C24 Plusaccount costs €5.90 per month and offers six free cash withdrawals and extras such as cashback of 0.5%. This account is particularly worth considering if you want to withdraw cash more frequently or benefit from bonus programs.
Our conclusion: For the moderate fee, C24 Plus offers some useful benefits that can make everyday life more pleasant – especially if you like to optimize your spending with cashback.

C24 Max – for the premium experience

That’s €9.90 per month C24 Max the most expensive model, but also the one with the most extras.

Eight free cash withdrawals, up to 1% cashback and a stylish metal card clearly appeal to premium customers. For frequent users who travel regularly or often withdraw cash, the advantages could quickly be worth it.

Our opinion: The costs are higher, but those who actively use the additional features – especially the higher cashback – get a good overall package here.

Keep an eye on C24’s hidden costs

Despite the clear conditions, there are some costs that you should not overlook:

• Additional cash withdrawals cost €2 per transaction if you exceed your monthly limit.
• Non-SEPA transfers cost €15 – so not for those who send a lot of money abroad.
• A replacement metal card costs €49.90.

However, for most users, these fees are easy to avoid if you keep an eye on your account regularly.

Is the C24 checking account worth it?

Overall, C24 Bank offers a flexible current account model that is suitable for different types of use.

The free C24 Smart is ideal for basic users who are looking for a solid account without fixed costs. C24 Plus appeals to the multitudes and cashback fans, while C24 Max particularly appeals to power users with its premium extras.

Our conclusion: C24 is particularly worthwhile for people who value modern banking solutions and want to customize their accounts. The clear cost structure makes the account models particularly attractive – as long as you don’t lose sight of the fee limits.

Alternative: Free checking account with no minimum deposit

N26 convinces as a modern, complete Free checking account with no minimum deposit.

With fee-free card payments worldwide, a user-friendly app and innovative features such as virtual cards and sub-accounts (“Spaces”), it is one of the best options for digital-savvy users and frequent travelers. However, cash withdrawals are limited to three per month and deposits incur fees.

Comparison: N26 vs. C24 checking account

Conclusion: N26 is ideal if you are looking for a flexible and worldwide fee-free account. C24 Smart offers a few more free cash withdrawals and deposit options.

Our conclusion on the account management fees at C24 Bank

C24 Bank’s account models offer something for almost everyone – from the free Smart account for the basics to the Max account with premium benefits.

Particularly interesting: All accounts have no foreign currency fees for card payments, which makes them particularly exciting for travelers.

But be careful: The number of free cash withdrawals is limited depending on the account model, and additional withdrawals cost 2 euros per transaction.

Our impression? The Smart account is perfect for anyone who doesn’t need any extras and just wants a solid account – and it’s free. Anyone who values ​​cashback or premium features such as metal cards will be well served by Plus or Max.

The bottom line is that C24 offers solid options where you decide whether you want to stay free or spend a few euros for additional features.