diff --git a/test.py b/test.py
index d3349fd..ddaecde 100644
--- a/test.py
+++ b/test.py
@@ -5,10 +5,18 @@ from urllib.request import urlopen
 from datetime import datetime
 from fints.client import FinTS3PinTanClient
 
+# Konfiguration laden
 # Konfiguration laden
 config = {}
 
-with open(Path.home() / ".ing.conf") as f:
+# Zuerst Home-Verzeichnis prüfen
+config_file = Path.home() / ".ing.conf"
+
+# Falls nicht vorhanden, Datei neben dem Skript verwenden
+if not config_file.exists():
+    config_file = Path(__file__).parent / ".ing.conf"
+
+with open(config_file, encoding="utf-8") as f:
     for line in f:
         line = line.strip()
 
@@ -21,7 +29,6 @@ with open(Path.home() / ".ing.conf") as f:
 
         key, value = line.split("=", 1)
         config[key] = value
-
 # ING
 USER = config["ING_USER"]
 PIN = config["ING_PIN"]