{"id":27108,"date":"2024-10-04T09:38:37","date_gmt":"2024-10-04T07:38:37","guid":{"rendered":"https:\/\/stu-insurance.de\/cn\/?p=27108"},"modified":"2024-10-04T09:41:59","modified_gmt":"2024-10-04T07:41:59","slug":"%e5%a6%82%e4%bd%95%e5%9c%a8%e5%be%b7%e5%9b%bd%e7%94%b3%e8%af%b7%e9%93%b6%e8%a1%8c%e5%8d%a1%ef%bc%9a%e8%af%a6%e7%bb%86%e6%8c%87%e5%8d%97%e5%8f%8a%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9","status":"publish","type":"post","link":"https:\/\/stu-insurance.de\/cn\/blog\/konto","title":{"rendered":"\u5982\u4f55\u5728\u5fb7\u56fd\u7533\u8bf7\u94f6\u884c\u5361\uff1a\u8be6\u7ec6\u6307\u5357\u53ca\u6ce8\u610f\u4e8b\u9879"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u4f5c\u4e3a\u7559\u5b66\u751f\u6216\u8005\u6765\u5fb7\u56fd\u5de5\u4f5c\u7684\u4eba\uff0c\u6765\u5230\u5fb7\u56fd\u540e\u7533\u8bf7\u6b27\u5143\u8d27\u5e01\u94f6\u884c\u5361\u5c31\u662f\u6700\u91cd\u8981\u7684\u4e8b\u60c5\u4e4b\u4e00\u3002\u8fd9\u91cc\u6839\u636e\u6211\u4eec\u5728\u5fb7\u56fd\u591a\u5e74\u7684\u751f\u6d3b\u7ecf\u9a8c\u548c\u540c\u5b66\u4eec\u7684\u53cd\u9988\u603b\u7ed3\u4e00\u4e0b\u5982\u4f55\u7533\u8bf7\u5fb7\u56fd\u94f6\u884c\u5361\u548c\u9700\u8981\u6ce8\u610f\u7684\u4e8b\u60c5\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-1024x576.jpg\" alt=\"bank for students\" class=\"wp-image-27116\" srcset=\"https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-1024x576.jpg 1024w, https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-300x169.jpg 300w, https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-768x432.jpg 768w, https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-1536x864.jpg 1536w, https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/girokonto-aufmacher-01-2240x1260-1-2048x1152.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u9009\u62e9\u9002\u5408\u7684\u94f6\u884c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fb7\u56fd\u94f6\u884c\u6709\u5f88\u591a\u5bb6\uff0c\u4e3b\u8981\u5206\u4e3a\u4e0b\u9762\u4e09\u7c7b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4f20\u7edf\u94f6\u884c\uff08Filialbanken\uff09<\/strong>\uff1a\u5982 <strong>Commerzbank<\/strong> \u548c <strong>Sparkasse<\/strong>\uff0c\u8fd9\u4e9b\u94f6\u884c\u901a\u5e38\u5728\u5fb7\u56fd\u5404\u5730\u6709\u5206\u652f\u673a\u6784\uff0c\u9002\u5408\u9700\u8981\u9762\u5bf9\u9762\u670d\u52a1\u7684\u5ba2\u6237\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5728\u7ebf\u94f6\u884c\uff08Direktbanken\uff09<\/strong>\uff1a\u5982 <strong>DKB<\/strong>\u3001<strong>N26<\/strong>\u3001<strong>Comdirect<\/strong>\uff0c\u8fd9\u4e9b\u94f6\u884c\u4e3b\u8981\u901a\u8fc7\u5728\u7ebf\u5e73\u53f0\u63d0\u4f9b\u670d\u52a1\uff0c\u624b\u7eed\u76f8\u5bf9\u7b80\u5355\uff0c\u9002\u5408\u4e60\u60ef\u7ebf\u4e0a\u529e\u7406\u4e1a\u52a1\u7684\u7559\u5b66\u751f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4fe1\u7528\u5408\u4f5c\u793e\u94f6\u884c\uff08Genossenschaftsbanken\uff09<\/strong>\uff1a\u5982 <strong>Volksbank<\/strong> \u548c <strong>Raiffeisenbank<\/strong>\uff0c\u8fd9\u4e9b\u94f6\u884c\u66f4\u5177\u533a\u57df\u6027\uff0c\u9002\u5408\u5f53\u5730\u5b66\u751f\u6216\u957f\u671f\u5c45\u4f4f\u8005\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u6240\u6709\u4eba\u5305\u542b\u7559\u5b66\u751f\u548c\u5de5\u4f5c\u4eba\u58eb\uff0c\u6211\u4eec\u90fd\u63a8\u8350\u9996\u5148\u7533\u8bf7\u5728\u7ebf\u94f6\u884c\u4f8b\u5982N26 \u548c DKB, \u56e0\u4e3a\u4ed6\u4eec\u7533\u8bf7\u548c\u8eab\u4efd\u8ba4\u8bc1\u6d41\u7a0b\u90fd\u53ef\u4ee5\u5168\u90e8\u5728\u7ebf\u5b8c\u6210\uff0c\u800c\u4e14\u975e\u5e38\u8fc5\u901f\u4e14\u6ca1\u6709\u6708\u79df\u8d39\u7b49\uff0c\u662f\u5b8c\u5168\u514d\u8d39\u7684\u5fb7\u56fd\u6b27\u5143\u94f6\u884c\u8d26\u6237\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u94f6\u884c\u5728\u5fb7\u56fd\u8fd1\u5e74\u6765\u8d8a\u6765\u8d8a\u5c11\u4eba\u4f7f\u7528\uff0c\u4e3b\u8981\u662f\u56e0\u4e3a\u4e3a\u8282\u7701\u5f00\u59cb\u7f51\u5e97\u5173\u95ed\u4e86\u5f88\u591a\uff0c\u800c\u4e14\u7533\u8bf7\u8d26\u6237\u65f6\u95f4\u6bd4\u8f83\u957f\u3002\u8fd9\u91cc\u6211\u4eec\u63a8\u8350\u5fb7\u56fd\u7b2c\u4e8c\u5927\u56fd\u6709\u94f6\u884c\u5fb7\u56fd\u5546\u4e1a\u94f6\u884c\uff0c\u5f00\u6237\u900150\u6b27\u5143\u3002 \u5177\u4f53\u53ef\u4ee5\u53c2\u770b &#8220;<a href=\"https:\/\/www.youhuima.de\/commerzbank\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\"><strong>commerzbank\u5546\u4e1a\u94f6\u884c\u5f00\u6237\u4ecb\u7ecd<\/strong><\/a>&#8220;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u94f6\u884c\u8d26\u6237\u7c7b\u578b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5fb7\u56fd\uff0c\u5e38\u89c1\u7684\u94f6\u884c\u8d26\u6237\u7c7b\u578b\u6709\u4ee5\u4e0b\u51e0\u79cd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Girokonto\uff08\u6d3b\u671f\u8d26\u6237\uff09<\/strong>\uff1a\u8fd9\u662f\u6700\u5e38\u89c1\u7684\u94f6\u884c\u8d26\u6237\u7c7b\u578b\uff0c\u7528\u4e8e\u65e5\u5e38\u751f\u6d3b\u4e2d\u7684\u4ea4\u6613\uff0c\u5982\u652f\u4ed8\u623f\u79df\u3001\u8d2d\u7269\u3001\u8f6c\u8d26\u7b49\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>Sperrkonto\uff08\u51bb\u7ed3\u8d26\u6237\uff09<\/strong>\uff1a\u6b64\u8d26\u6237\u4e13\u4e3a\u7559\u5b66\u751f\u8bbe\u7acb\uff0c\u7528\u4e8e\u7b7e\u8bc1\u7533\u8bf7\u3002\u5728\u8d26\u6237\u5f00\u8bbe\u65f6\u9700\u8981\u5b58\u5165\u4e00\u5b9a\u91d1\u989d\uff0c\u4f5c\u4e3a\u5728\u5fb7\u751f\u6d3b\u7684\u8d44\u91d1\u8bc1\u660e\uff0c\u5f00\u901a\u540e\u6bcf\u6708\u53ea\u80fd\u53d6\u51fa\u89c4\u5b9a\u989d\u5ea6\u7684\u8d44\u91d1\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>Kreditkarte\uff08\u4fe1\u7528\u5361\uff09<\/strong>\uff1a\u6709\u4e9b\u94f6\u884c\u63d0\u4f9b\u4fe1\u7528\u5361\u670d\u52a1\uff0c\u8bb8\u591a\u5fb7\u56fd\u4eba\u4e60\u60ef\u4f7f\u7528\u501f\u8bb0\u5361\uff08Debit Card\uff09\u4ee3\u66ff\u4fe1\u7528\u5361\uff0c\u56e0\u6b64\u4fe1\u7528\u5361\u5e76\u4e0d\u662f\u6240\u6709\u94f6\u884c\u8d26\u6237\u7684\u6807\u914d\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u7559\u5b66\u751f\u6765\u8bf4\uff0c\u9700\u8981\u7533\u8bf7\u7684\u662fGirokonto\u6d3b\u671f\u8f6c\u8d26\u8d26\u6237\u3002\u56e0\u4e3a\u652f\u4ed8\u4fdd\u8d39\u6216\u8005\u652f\u4ed8\u6708\u79df\u624b\u673a\u8d39\u7b49\u90fd\u9700\u8981\u8fd9\u79cd\u8d26\u6237\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u7533\u8bf7\u94f6\u884c\u8d26\u6237\u57fa\u672c\u6761\u4ef6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u8bba\u662f\u7ebf\u4e0a\u8fd8\u662f\u7ebf\u4e0b\u7533\u8bf7\u94f6\u884c\u8d26\u6237\u90fd\u9700\u8981\u4e0b\u9762\u6587\u4ef6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u62a4\u7167<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b7e\u8bc1\uff1a\u6709\u6548\u671f\u81f3\u5c113\u4e2a\u6708\u4ee5\u4e0a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fb7\u56fd\u4f4f\u5740\u767b\u8bb0\u8bc1\u660e(Anmeldung): \u5230\u5fb7\u56fd\u540e\u5982\u679c\u627e\u5230\u81ea\u5df1\u7684\u4f4f\u623f\uff0c\u7acb\u5373\u5e26\u4e0a\u4f4f\u623f\u5408\u540c\u53bb\u5e02\u653f\u5385\u529e\u7406\u4f4f\u5740\u767b\u8bb0\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b66\u751f\u8bc1\u6216\u8005\u5b66\u671f\u6ce8\u518c\u8bc1\u660e\uff1a\u6709\u7684\u7ebf\u4e0b\u94f6\u884c\u4f1a\u8981\u6c42\u63d0\u4f9b\u5b66\u751f\u8bc1\u660e\u6587\u4ef6\uff0c\u5982\u679c\u6709\u7684\u8bdd\u53ef\u4ee5\u5e26\u4e0a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.1 \u7ebf\u4e0b\u94f6\u884c\u7533\u8bf7\u6d41\u7a0b<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9884\u7ea6\u6216\u76f4\u63a5\u524d\u5f80\u94f6\u884c<\/strong>\uff1a\u4e00\u4e9b\u94f6\u884c\u8981\u6c42\u63d0\u524d\u9884\u7ea6\uff0c\u4f60\u53ef\u4ee5\u5728\u7ebf\u6216\u8005\u7535\u8bdd\u9884\u7ea6\u3002\u5982\u679c\u662f\u76f4\u63a5\u53bb\u94f6\u884c\uff0c\u8bf7\u5e26\u9f50\u6240\u6709\u6750\u6599\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>\u7b7e\u7f72\u534f\u8bae\u548c\u5f00\u901a\u8d26\u6237<\/strong>\uff1a\u94f6\u884c\u4f1a\u5411\u4f60\u89e3\u91ca\u8d26\u6237\u7c7b\u578b\u548c\u8d39\u7528\uff0c\u5e76\u63d0\u4f9b\u5f00\u6237\u534f\u8bae\u3002\u7b7e\u7f72\u534f\u8bae\u540e\uff0c\u94f6\u884c\u4f1a\u4e3a\u4f60\u5f00\u8bbe\u8d26\u6237\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>\u7b49\u5f85\u94f6\u884c\u5361\u548c\u5bc6\u7801<\/strong>\uff1a\u94f6\u884c\u4f1a\u901a\u8fc7\u90ae\u5bc4\u7684\u65b9\u5f0f\u5bc4\u9001\u94f6\u884c\u5361\u548c\u5bc6\u7801\uff08\u901a\u5e38\u662f\u5206\u5f00\u53d1\u9001\uff0c\u786e\u4fdd\u5b89\u5168\uff09\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3.2 \u5728\u7ebf\u94f6\u884c\u7533\u8bf7\u6d41\u7a0b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5728\u7ebf\u94f6\u884c\uff0c\u5982 N26 \u6216 DKB\uff0c\u7533\u8bf7\u6d41\u7a0b\u901a\u5e38\u8f83\u4e3a\u7b80\u5316\uff0c\u4ee5\u4e0b\u662f\u57fa\u672c\u6b65\u9aa4\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5728\u7ebf\u6ce8\u518c<\/strong>\uff1a\u5728\u94f6\u884c\u5b98\u7f51\u6216\u5e94\u7528\u7a0b\u5e8f\u4e0a\u586b\u5199\u7533\u8bf7\u8868\u683c\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>\u8eab\u4efd\u9a8c\u8bc1<\/strong>\uff1a\u901a\u5e38\u901a\u8fc7\u89c6\u9891\u901a\u8bdd\uff08VideoIdent\uff09\u6216\u90ae\u5bc4\u9a8c\u8bc1\uff08PostIdent\uff09\u5b8c\u6210\u3002\u901a\u8fc7\u89c6\u9891\u9a8c\u8bc1\u65f6\uff0c\u4f60\u9700\u8981\u6301\u62a4\u7167\u548c\u8eab\u4efd\u8bc1\u660e\u6587\u4ef6\u4e0e\u5ba2\u670d\u8fdb\u884c\u89c6\u9891\u901a\u8bdd\u786e\u8ba4\u8eab\u4efd\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>\u5f00\u901a\u8d26\u6237<\/strong>\uff1a\u4e00\u65e6\u8eab\u4efd\u9a8c\u8bc1\u5b8c\u6210\uff0c\u4f60\u7684\u8d26\u6237\u901a\u5e38\u4f1a\u5728\u51e0\u5206\u949f\u81f3\u51e0\u4e2a\u5de5\u4f5c\u65e5\u5185\u5f00\u901a\u3002<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>\u63a5\u6536\u94f6\u884c\u5361<\/strong>\uff1a\u94f6\u884c\u5361\u548c\u5bc6\u7801\u4f1a\u90ae\u5bc4\u5230\u4f60\u63d0\u4f9b\u7684\u4f4f\u5740\u3002<\/li>\n<\/ul>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u4e8e\u7533\u8bf7\u514d\u8d39N26\u94f6\u884c\u8d26\u6237 \u8bf7\u770b\u8fd9\u91cc &#8220;<a href=\"https:\/\/www.youhuima.de\/n26-bank\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\"><strong>N26\u94f6\u884c\u5f00\u6237\u653b\u7565<\/strong><\/a>&#8220;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"862\" height=\"721\" src=\"https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/2024-10-04-09_27_59-Virtual-cards\u2014what-are-they-and-how-do-they-work_.jpg\" alt=\"N26 bank\" class=\"wp-image-27113\" srcset=\"https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/2024-10-04-09_27_59-Virtual-cards\u2014what-are-they-and-how-do-they-work_.jpg 862w, https:\/\/stu-insurance.de\/cn\/wp-content\/uploads\/2024\/10\/2024-10-04-09_27_59-Virtual-cards\u2014what-are-they-and-how-do-they-work_-300x251.jpg 300w, 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