Norisbank

Norisbank is a German direct bank and wholly owned subsidiary of Deutsche Bank AG that focuses on retail banking without a branch network. Its flagship Top-Girokonto is a current account with no monthly maintenance fee, typically paired with a girocard for domestic payments and Cash Group ATM access; a Mastercard Debit is available for online and international use, and a Mastercard credit card may be issued subject to credit approval. Cash withdrawals are free at Cash Group ATMs in Germany and at many ATMs located in Shell service stations; cash deposits can be made at selected Deutsche Bank ATMs with a deposit function. Abroad, withdrawals and card payments run via the Mastercard network, with foreign-currency markups and any operator surcharges applying where relevant. Account opening is fully digital with video identification and involves a SCHUFA check; an overdraft line and unsecured installment loans are offered subject to affordability and credit assessment. Online and mobile banking cover SEPA transfers, standing orders, card controls, and SEPA Instant Credit Transfers (fees may apply), and support Apple Pay and Google Pay for eligible cards. Security follows PSD2 requirements with app-based strong customer authentication and 3‑D Secure for card payments. Deposits are protected by the German statutory deposit guarantee (up to 100,000 EUR per customer); Norisbank also participates in the private deposit protection scheme of German private banks, which can provide higher coverage within its rules. Paper statements, card replacements, foreign-currency usage, and overdrafts can incur fees; investment and brokerage options are limited, with the offering centered on payments, consumer credit, and basic savings. Customer service is provided via app, online banking, and a 24/7 telephone hotline.