What does a personal current account cost in 27 EU countries if you meet no conditions?
Snapshot as of 2 November 2026 · 401 price lists from 526 banks with a personal account · next version: May 2027
Short answer: At half of the EU banks whose price list we read, a personal account costs at most €2 a month if you meet no conditions (median of 401 price lists in 27 countries). 158 of them charge nothing with no conditions at all. In Poland that is 14 of 19 banks. Accounts cost most in Austria (median €5.64), Portugal (median €4.99) and Germany (median €4.90).
What a personal account costs per month if you meet no conditions
Bar: country median, dot: bank, green: free with no conditions. EU median: €2 a month. Countries with at least 4 price lists read; fees above €15 at the edge.
Poland and its EU neighbours
In Poland 14 of the 19 banks whose price list we read keep a personal account free with no conditions. Next door: Germany 12 of 42, Czechia 13 of 15, Slovakia 6 of 12 and Lithuania 4 of 7. The median fee is €0 in Poland and €2 across the EU.
Country by country
Monthly fee in euro for a personal account with no conditions met, at national banks and branches whose price list we read. Every bank with its fee, the condition that brings it to zero and the price list URL is in the list in the dataset.
| Country | Price lists | Free, no conditions | Median | Highest |
|---|---|---|---|---|
| Austria | 16 | 2 | €5.64 | €55 |
| Portugal | 23 | 6 | €4.99 | €8.94 |
| Germany | 42 | 12 | €4.90 | €12 |
| Hungary | 14 | 3 | €4.31 | €10.20 |
| France | 28 | 7 | €4.30 | €16.67 |
| Finland | 6 | 2 | €4.00 | €8 |
| Ireland | 7 | 3 | €3.99 | €8 |
| Slovenia | 11 | 0 | €3.70 | €8.49 |
| Netherlands | 10 | 4 | €3.33 | €6 |
| Sweden | 15 | 3 | €2.64 | €5.36 |
| Bulgaria | 12 | 1 | €2 | €5.12 |
| Luxembourg | 5 | 0 | €2 | €5 |
| Slovakia | 12 | 6 | €1.75 | €7 |
| Croatia | 15 | 1 | €1.70 | €6 |
| Latvia | 6 | 2 | €1.50 | €5 |
| Romania | 18 | 8 | €1.36 | €2.81 |
| Italy | 54 | 29 | €0 | €11.18 |
| Spain | 29 | 15 | €0 | €20 |
| Poland | 19 | 14 | €0 | €2.05 |
| Czechia | 15 | 13 | €0 | €1.23 |
| Belgium | 15 | 10 | €0 | €7 |
| Lithuania | 7 | 4 | €0 | €2 |
| Denmark | 7 | 4 | €0 | €10.04 |
| Estonia | 6 | 4 | €0 | €1 |
| Greece | 4 | 3 | €0 | €0.60 |
| Malta * | 2 | 1 | €2.50 | €5 |
| Cyprus * | 3 | 1 | €1 | €2 |
* Fewer than 4 price lists read, so these countries are not in the chart: Malta and Cyprus.
How we checked
The list of banks comes from the ECB list of credit institutions of 28 October 2026. For each bank with an account for individual customers we read the price list: the monthly account fee with no conditions met and the condition that brings it to zero. When a bank has several packages, we take the cheapest one with a debit card for an adult new customer. A verbatim sentence from the price list, which we keep a copy of, backs every amount. Euro amounts use the ECB reference rate of 29 October 2026. The full method, the data dictionary and the CSV file are on the European banks dataset page.
Frequently asked questions
Which EU country has the most expensive bank accounts?
By the median monthly fee with no conditions met, in countries with at least 4 price lists read, accounts cost most in Austria (€5.64), Portugal (€4.99), Germany (€4.90), Hungary (€4.31) and France (€4.30). As of 2 November 2026, euro amounts at the ECB reference rate of 29 October 2026.
Where is a bank account free with no conditions?
The median fee is €0 in Italy, Spain, Poland, Czechia, Belgium, Lithuania, Denmark, Estonia and Greece: there at least half of the banks charge nothing with no conditions. Most such accounts: Italy 29 of 54, Spain 15 of 29 and Poland 14 of 19.
Does the fee include the card and transfers?
We compare the monthly account maintenance fee from the bank’s price list. When a bank has several packages, we take the cheapest one with a debit card that it offers an adult new customer (no accounts for children, teenagers or students), and for an account with an opening bonus, the fee of that account. Separate card, transfer and cash machine fees are not part of the comparison.
Where does the list of banks come from?
From the European Central Bank’s list of credit institutions of 28 October 2026. We compare national banks and branches with an account for individual customers; local cooperative banks, savings banks and credit unions are left out because they serve their own region.
Related
- How many banks pay you to open an account in the EU
- European banks: the open dataset (CSV)
- This page in Polish
By Rafał Błażewski, obrotomierz.pl. Sources: the ECB list of credit institutions (28 October 2026), price lists of 401 banks with a personal account in 27 countries (checked up to 2 November 2026), ECB reference rates. We show what banks charge and do not recommend any account.