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| − | {{DISPLAYTITLE:List of Banks in Germany (+FAQ)}}{{#seo:|description=When living in Germany, having a German Bank Account (or a Euro currency account) can be useful. Here's a list of accounts for people having an address in Germany.}} | + | {{Head |
| − | When living in Germany, having a '''German Bank Account''' (or a Euro currency account) can be useful. Here's a list of accounts for people having an address in Germany. For some banks, having a [[#Banks_Recommended_for_Foreigners|registered address is not necessary]]. | + | |Banking in Germany |
| | + | |Free, English, no Anmeldung |
| | + | |When living or doing business in Germany, a '''German Bank Account''' can be useful for receiving salary, paying rent & other spending. Find here an bank for your purpose. |
| | + | }} |
| | | | |
| − | This article covers '''accounts for individuals''', also called '''current account''' or '''giro account''' (''Girokonto''). The list may not be complete, so feel free to add missing banks.
| + | <div class="ul-list-style-none"> |
| | + | * [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals |
| | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free banks (no monthly fees)</htmltag> |
| | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag> |
| | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#cash-withdrawals=free-own">Banks with free cash withdrawals</htmltag> |
| | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">Banks with no registered address (''Anmeldung'') required</htmltag> |
| | + | * [[/Business|Business Bank Accounts]] |
| | + | * [[/Students|Bank Accounts for Students]] |
| | + | ** [[/Blocked|Blocked Accounts]] (''Sperrkonto'') for study or jobseeker visa application |
| | + | * [[/Savings|Savings Accounts]] |
| | + | * [[/Brokers|Brokers]] |
| | + | * [[/Credit_cards|Credit Cards]] |
| | + | </div> |
| | | | |
| − | For other account types, see
| + | {{FAQ| |
| − | | + | {{FAQ/Item|q= Do I need a German or a Euro bank account? |a= |
| − | * [[/Business|List of German Business Banks]]
| |
| − | * [[/Savings|List of German Savings Accounts]]
| |
| − | * [[/Credit_cards|List of German Credit Cards]]
| |
| − | * [[/Brokers|List of German Brokers]]
| |
| − | | |
| − | <div id="faq"/>
| |
| − | == Frequently Asked Questions (FAQ) ==
| |
| − | | |
| − | === What is a German bank account? ===
| |
| − | | |
| − | In this article, ''German bank account'' means an account that has an account number ([https://en.wikipedia.org/wiki/International_Bank_Account_Number IBAN]) starting with ''DE…''.
| |
| − | | |
| − | === Do I need a German or a Euro bank account? ===
| |
| | | | |
| | To pay rent and most bills or receive salary, you usually need an account that can '''send''' and '''receive [https://en.wikipedia.org/wiki/Single_Euro_Payments_Area SEPA transfers]''' in '''EUR'''. | | To pay rent and most bills or receive salary, you usually need an account that can '''send''' and '''receive [https://en.wikipedia.org/wiki/Single_Euro_Payments_Area SEPA transfers]''' in '''EUR'''. |
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| | So your bank account does not need to be from Germany. It must only be able to send and receive SEPA transfers in EUR. Many accounts from other [https://en.wikipedia.org/wiki/European_Economic_Area EU and EEA countries] can do that. | | So your bank account does not need to be from Germany. It must only be able to send and receive SEPA transfers in EUR. Many accounts from other [https://en.wikipedia.org/wiki/European_Economic_Area EU and EEA countries] can do that. |
| | | | |
| − | However, some companies and authorities have '''problems using non-German account number''' ([https://en.wikipedia.org/wiki/International_Bank_Account_Number IBAN]). This is illegal but it may happen. Then, a [[#Banks_With_German_Account_Number_.28IBAN.29|German account]] is more convenient. | + | However, some companies and authorities have '''problems using non-German account number''' ([https://en.wikipedia.org/wiki/International_Bank_Account_Number IBAN]). This is illegal but it may happen. Then, a <htmltag tagname="a" href="/Germany/Banking/Current#iban=de">German account number</htmltag> is more convenient. |
| − | | |
| − | === Which type of bank account can I use as a freelancer? ===
| |
| − | To receive income from freelancing or your business, you usually need a [[/Business|business bank]]. Banks listed here are for individuals who want to receive their salary from being an employee, their scholarship or similar.
| |
| | | | |
| − | === Do I get interest on my money? ===
| + | }}{{FAQ/Item|q= What do I need to open a German bank account? |a= |
| − | On giro accounts in Germany, you usually do not get interests paid out. For such offers, check the [[/Savings|List of German Savings Accounts]].
| |
| − | | |
| − | === What do I need to open a German bank account? ===
| |
| | | | |
| | This varies from bank to bank. However, these things are common: | | This varies from bank to bank. However, these things are common: |
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| | * Some banks want to see your income and credit history. (E.g. {{AffLink|DKB|dkb}} is known to be picky.) | | * Some banks want to see your income and credit history. (E.g. {{AffLink|DKB|dkb}} is known to be picky.) |
| | | | |
| − | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]].
| + | }}{{FAQ/Item|q= Which type of bank account can I use as a freelancer? |a= |
| | + | To receive income from freelancing or your business, you usually need a [[/Business|business bank]]. Banks listed here are for individuals who want to receive their salary from being an employee, their scholarship or similar. |
| | + | |
| | + | }}{{FAQ/Item|q= Do I get interest on my money? |a= |
| | + | On giro accounts in Germany, you usually do not get interests paid out. For such offers, check the [[/Savings|List of German Savings Accounts]]. |
| | | | |
| − | === Which bank is the best for me? ===
| + | }}{{FAQ/Item|q= Which bank is the best for me? |a= |
| | | | |
| | A bank that | | A bank that |
| | | | |
| − | * speaks [[#Banks_With_English_Support|your language]]. There many offers with support in English or even more languages. | + | * speaks <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">your language</htmltag>. There many offers with support in English or even more languages. |
| − | * has [[#Banks_With_Free_Cash_Withdrawals|free cash withdrawals]]. While all supermarkets already allow card payments, you will still need to use cash at smaller shops, cafés, restaurants or food trucks. | + | * has <htmltag tagname="a" href="/Germany/Banking/Current#cash-withdrawals=free-own">free cash withdrawals</htmltag>. While nearly all supermarkets already allow card payments, you will still need to use cash at smaller shops, cafés, restaurants or food trucks. |
| − | * has [[#Banks_With_No_Monthly_Fees|no monthly fees]]. There are so many banks even without fees, so you don't need to pick one that costs money. | + | * has <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">no monthly fees</htmltag>. There are so many banks even without fees, so you don't need to pick one that costs money. |
| − | * lets you [[#Banks_Recommended_for_Foreigners|sign up with our documents]]. If you don't have an registered address (''Anmeldung'') yet, this can be difficult. | + | * lets you sign up with our documents. If you <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">do not have an registered address (''Anmeldung'')</htmltag> yet, this can be difficult. |
| − | | |
| − | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]].
| |
| − | | |
| − | == Lists of Banks for Individuals (''Girokonto'') ==
| |
| − | | |
| − | <div id="support-en"/> | |
| − | === Banks With English Support ===
| |
| − | * {{AffLink|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish
| |
| − | * {{AffLink|Commerzbank|commerzbank}} (online banking, after signup)
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| − | * {{Link|Deutsche Bank|deutsche-bank}} (online banking, after signup)
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| − | * {{Link|Insha|insha}}
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| − | * {{Link|Lydia|lydia}}
| |
| − | * {{Link|Monese|monese}}, speaks also: Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish
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| − | * {{AffLink|N26|n26}}, speaks also: French, German, Italian, Spanish
| |
| − | * {{AffLink|Nuri|nuri}}
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| − | * {{Link|Revolut|revolut}}, speaks also: Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French, German, Greek, Hungarian, Italian, Japanese, Latvian, Lithuanian, Norwegian, Polish, Portuguese, Romanian, Slovakian, Slovenian, Spanish, Swedish
| |
| − | * {{AffLink|Tomorrow|tomorrow}}
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| − | * [[Vivid Money]], speaks also: French, German, Italian, Spanish
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| − | * [[Wise]], speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
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| − | * {{Link|Yuh|yuh}}
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| − | | |
| − | <div id="iban-de"/>
| |
| − | === Banks With German Account Number (IBAN) ===
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| − | * {{Link|1822direkt|1822direkt}}
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| − | * {{AffLink|Consorsbank|consorsbank}}
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| − | * {{AffLink|comdirect|comdirect}}
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| − | * {{AffLink|DKB|dkb}}
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}
| |
| − | * {{Link|ING|ing.giro}}
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| − | * {{AffLink|N26|n26}}
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| − | * {{AffLink|Norisbank|norisbank}}
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| − | * {{AffLink|Nuri|nuri}}
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| − | * {{AffLink|Postbank|postbank}}
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| − | * {{AffLink|Targobank|targobank}}
| |
| − | * {{AffLink|Tomorrow|tomorrow}}
| |
| − | * [[Vivid Money]]
| |
| − | | |
| − | <div id="no_monthly_fees"/>
| |
| − | | |
| − | === Banks With No Monthly Fees ===
| |
| − | * {{AffLink|DKB|dkb}}
| |
| − | * {{Link|Insha|insha}}
| |
| − | * {{Link|Lydia|lydia}} <ref>{{Cite|date=2022-04-30|quote=Lydia 0 €|url=https://lydia-app.com/products/plans}}</ref>
| |
| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: <ref>{{Cite|date=2022-04-30|quote=HVB Plus account € 0,00 for new customers for 5 years, thereafter € 9.90 per month.|url=https://www.hypovereinsbank.de/hvb/privatkunden/banking-im-alltag/girokonten}}</ref>
| |
| − | * {{Link|Monese|monese}} <ref>{{Cite|date=2022-04-30|quote=Starter €0/month|url=https://monese.com/de/en/pricing}}</ref>
| |
| − | * {{AffLink|N26|n26}}
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| − | * {{AffLink|Nuri|nuri}}
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| − | * {{Link|Openbank|openbank}}
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| − | * {{Link|Revolut|revolut}}
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| − | * [[Vivid Money]]
| |
| − | * [[Wise]]
| |
| − | * {{Link|Yuh|yuh}}
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| − | | |
| − | ==== … if you receive money on it regularly ====
| |
| − | * {{Link|1822direkt|1822direkt}}: if you receive minimum €700 every month
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| − | * {{AffLink|Consorsbank|consorsbank}}: if you receive minimum €700 every month
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| − | * {{AffLink|Commerzbank|commerzbank}} if you receive minimum €700 every month
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| − | * {{AffLink|comdirect|comdirect}}" if you receive minimum €700 every month
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| − | * {{Link|ING|ing.giro}}: if you receive minimum €700 every month
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| − | * {{AffLink|Norisbank|norisbank}}: if you receive minimum €500 every month
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| − | * {{AffLink|Postbank|postbank}}: if you receive minimum €3000 every month
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| − | * {{AffLink|Targobank|targobank}}: if you receive minimum €600 every month
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| − | | |
| − | ==== … for young people ====
| |
| − | * {{AffLink|Consorsbank|consorsbank}}: if you are under 28
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| − | * {{AffLink|comdirect|comdirect}}: if you are under 28
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| − | * {{Link|ING|ing.giro}}: if you are under 28
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| − | * {{AffLink|Norisbank|norisbank}}: if you are under 21
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| − | * {{AffLink|Postbank|postbank}}: if you are under 22
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| − | | |
| − | <div id="free_cash_withdrawals"/>
| |
| − | === Banks With Free Cash Withdrawals ===
| |
| − | | |
| − | ==== … at bank machines worldwide ====
| |
| − | * {{AffLink|Bunq|bunq}}: [https://www.bunq.com/pricing-sheet 4 per month are free]
| |
| − | * {{AffLink|DKB|dkb}}: [https://bank.dkb.de/privatkunden/karten/bargeld minimum €50 per withdrawal]
| |
| − | * {{AffLink|Nuri|nuri}}: [https://nuri.com/uploads/Pricing_Nuri_df406ebc86.pdf more info]
| |
| − | * {{Link|Revolut|revolut}}: [https://www.revolut.com/help/making-payments/withdrawing-cash/does-revolut-charge-for-cash-withdrawal 200 EUR / 5 per month are free]
| |
| − | * [[Wise]]: [https://wise.com/help/articles/2935769/how-much-does-it-cost-to-withdraw-cash 200 EUR / 2 per month are free]
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| − | | |
| − | ==== … at bank machines in €-zone / [https://en.wikipedia.org/wiki/European_Economic_Area EEA] ====
| |
| − | * {{AffLink|Consorsbank|consorsbank}}
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: at UniCredit banks in 13 EU countries
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| − | * {{Link|Insha|insha}} [https://files.getinsha.com/uploads/new-pricing/insha_pricing_EN-copy-2.pdf 2 free withdrawals per month]
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| − | * {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs ([https://www.openbank.de/kostenlos-geld-abheben more info])
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| − | | |
| − | ==== … at bank machines of the bank's network ====
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| − | * {{Link|1822direkt|1822direkt}}: 4 per month at [https://www.sparkasse.de/service/filialsuche.html Sparkasse group] bank machines
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| − | * {{AffLink|Commerzbank|commerzbank}} : at [http://www.cashgroup.de/ Cash Group] bank machines
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: unlimited at [http://www.cashgroup.de/ Cash Group] bank machines
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| − | * {{AffLink|Norisbank|norisbank}}: at [http://www.cashgroup.de/ Cash Group] bank machines
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| − | * {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs<ref>{{Cite|date=2022-05-03|url=https://www.openbank.de/kostenlos-geld-abheben|quote=Mit deiner Debitkarte kannst du 5 mal pro Monat kostenlos Geld an jedem beliebigen Geldautomaten der Welt abheben.}}</ref>
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| − | * {{AffLink|Postbank|postbank}}: at Postbank and [http://www.cashgroup.de/ Cash Group] bank machines
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| − | * {{AffLink|Targobank|targobank}}: at [https://www.cashpool.de/ CashPool] bank machines
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| − | | |
| − | ==== …at shops ====
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| − | | |
| − | * {{Link|bunq|bunq}} with [[/Viacash|Viacash]]
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| − | * {{AffLink|comdirect|comdirect}} with [[/Cash-Back|Cash-Back]]
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| − | * {{AffLink|DKB|dkb}} with [[/Cash-Back|Cash-Back]] and [[/Viacash|Viacash]]
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| − | * {{Link|ING|ing}} with [[/Cash-Back|Cash-Back]]
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| − | * {{AffLink|N26|n26}} with [[/Viacash|Viacash]]
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| − | * {{AffLink|Norisbank|norisbank}} with [[/Cash-Back|Cash-Back]]
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| − | * {{AffLink|Tomorrow|tomorrow}} with [[/Viacash|Viacash]]
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| − | | |
| − | <div id="cash_deposits"/>
| |
| − | === Banks with Cash Deposits ===
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| − | | |
| − | These banks allow you to top-up your account with cash.
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| − | | |
| − | * {{Link|1822direkt|1822direkt}}: free only at Frankfurter Sparkasse branches<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/service/fragen-und-antworten/girokonto|quote= Einzahlung von Bargeld / Bargeldeinzahlungen sind in Filialen der Frankfurter Sparkasse am Schalter und an den Einzahlautomaten für Sie kostenlos möglich. }}</ref>
| |
| − | * {{AffLink|Bunq|bunq}}: at shops with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://www.bunq.com/benefits/withdraw-deposit|quote=Withdraw and Deposit cash at more than 10,000 locations across Germany, Austria and Italy thanks to our partnership with Barzahlen.}}</ref>
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| − | * {{AffLink|Consorsbank|consorsbank}}: minimum €1000, €7.50 fee<ref>{{Cite|date=2022-05-03|url=https://wissen.consorsbank.de/t5/H%C3%A4ufige-Fragen/Wie-kann-ich-Bargeld-auf-mein-Girokonto-einzahlen/ta-p/111680|quote= Einzahlungen nur zwischen 1.000,00 Euro und 25.000,00 Euro. / Eine Einzahlung kostet 7,50 Euro je angefangene 5.000,00 Euro. }}</ref>
| |
| − | * {{AffLink|DKB|dkb}}: shops with [[/Viacash|Viacash]]; at DKB ATMs & branches<ref>{{Cite|date=2022-05-03|url=https://bank.dkb.de/privatkunden/karten/bargeld|quote= So kannst du Bargeld einzahlen / An DKB-Geldautomaten / Mit Cash im Shop }}</ref>
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: at their branches
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| − | * {{Link|ING|ing.giro}}: for free at some of [https://www.ing.de/hilfe/geldautomatensuche/ ING's bank machines]<ref>{{Cite|date=2022-05-03|url= https://www.ing.de/girokonto/kundenservice/ |quote= Kann ich auch Bargeld einzahlen? / Die Einzahlung von Bargeld (Scheine) ist auch an einigen unserer Geldautomaten möglich.}}</ref>
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| − | * {{AffLink|N26|n26}}: at shops with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://n26.com/en-de/cash26|quote=CASH26 is available at the following partner stores: REWE, Rossmann, Penny, Real, dm, BUDNI, Ludwig, Eckert, ON Express, Adam’s, Barbarino and mobilcom-debitel.}}</ref>
| |
| − | * {{AffLink|Norisbank|norisbank}}: at Deutsche Bank cash deposit machines<ref>{{Cite|date=2022-05-03|url=https://www.norisbank.de/service/kontakt-und-wissen/haeufige-fragen/faq-automaten.html|quote= Wie kann ich Bargeld auf mein Girokonto einzahlen? / Sie haben an Einzahlautomaten der Deutschen Bank die Möglichkeit, kostenlos Bargeld auf Ihr Konto einzuzahlen.}}</ref>
| |
| − | * {{AffLink|Postbank|postbank}}: at Postbank bank machines without fees<ref>{{Cite|date=2022-05-03|url=https://www.postbank.de/privatkunden/services/bargeld-und-automaten/transaktionen-am-geldautomaten/cash-recycler.html|quote=Mit der Einzahlfunktion an vielen unserer Geldautomaten sind Sie nicht an Öffnungszeiten gebunden.}}</ref>
| |
| − | * {{AffLink|Targobank|targobank}}: at shops with [[/Viacash|Viacash]]; at [https://www.targobank.de/de/filialen/geldautomatensuche/index.html Targobank machines]<ref>{{Cite|date=2022-05-03|url=https://www.targobank.de/de/filialen/geldautomatensuche/index.html|quote=Einzahlung (nur am Geldautomaten)}}</ref>
| |
| − | * {{AffLink|Tomorrow|tomorrow}} with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://support.tomorrow.one/en/support/solutions/articles/15000047298-how-can-i-deposit-cash-into-my-tomorrow-account-|quote=How can I deposit cash into my Tomorrow account?}}</ref>
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| − | | |
| − | <div id="joint"/>
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| − | | |
| − | === Banks With Joint Accounts ===
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| − | Banks with joint accounts allow two or more people to own and access the same account. An alternative to this are ''shared pockets'' or ''group vaults'' where each customer has their own account but can create ''pockets/vaults'' that can be access by other users.
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| − | | |
| − | * {{Link|Revolut|revolut}}: offers [https://www.revolut.com/en-DE/help/wealth/vaults/group-vaults/how-do-i-manage-a-group-vault group vaults]
| |
| − | * [[Vivid Money]]: offers [https://help.vivid.money/en/articles/4453269-what-is-a-shared-pocket shared pockets] ([https://press.vivid.money/tpost/n3h3brfnj1-vivid-money-introduces-shared-pockets-ev more info])
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| − | | |
| − | <div id="children"/>
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| − | === Banks For Children ===
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| − | | |
| − | Banks with joint accounts allow two or more people to own and access the same account. An alternative to this are ''shared pockets'' or ''group vaults'' where each customer has their own account but can create ''pockets/vaults'' that can be access by other users.
| |
| − | | |
| − | * {{Link|Revolut|revolut}}: offers [https://www.revolut.com/get-junior-card Junior card] for kids from 6
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| − | * {{AffLink|DKB|dkb}}: offers {{AffLink|DKB U18|dkb.u18}} account for kids from 0 (but the parent must be already a DKB customer)
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| − | | |
| − | <div id="currencies"/>
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| − | | |
| − | === Banks With Multiple Currencies ===
| |
| − | | |
| − | * {{AffLink|Bunq|bunq}}: [https://together.bunq.com/d/45414-local-currencies/4 more info]
| |
| − | * {{Link|Lydia|lydia}}: [https://support.lydia-app.com/l/en/article/acvagom7kq-accepted-currencies EUR & GBP]
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| − | * {{Link|Monese|monese}}: EUR, GBP and RON (RON [https://monese.com/gr/de/blog/ron-accounts only with Romanian ID]
| |
| − | * {{Link|Revolut|revolut}}: [https://www.revolut.com/help/adding-money/with-card/what-cards-and-currencies-are-supported AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, NOK, PLN, RON, SEK, USD, ZAR]
| |
| − | * [[Vivid Money]]: [https://help.vivid.money/en/articles/4692421-which-currencies-can-i-have-on-my-vivid-money-account up to 105 currencies], but can be topped up [https://help.vivid.money/en/articles/4970992-how-can-i-transfer-money only in EUR]
| |
| − | * [[Wise]]: [https://wise.com/help/articles/2897238/which-currencies-can-i-add-keep-and-receive-in-my-wise-account 50+ currencies]
| |
| − | * {{Link|Yuh|yuh}}: [https://www.yuh.com/en/pricing CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD]
| |
| − | | |
| − | <div id="broker"/>
| |
| − | === Banks With A Broker ===
| |
| − | These accounts allow you to trade shares and funds / ETFs. The term in German is usually ''Depot''.
| |
| − | | |
| − | See also: [[/Brokers|List of German (Online) Brokers]].
| |
| − | | |
| − | * {{Link|1822direkt|1822direkt}}: [https://www.1822direkt.de/anlegen-depot/wertpapierdepot/ more info]
| |
| − | * {{AffLink|Commerzbank|commerzbank}} : [https://www.commerzbank.de/portal/de/privatkunden/sparen-anlegen/produkte/depotmodelle/depot-eroeffnen/depot-eroeffnen.html more info]
| |
| − | * {{AffLink|comdirect|comdirect}} [https://www.comdirect.de/depot/comdirect-depot.html more info]
| |
| − | * {{AffLink|Consorsbank|consorsbank}}: [https://www.consorsbank.de/ev/Wertpapierhandel/Depot-Software/Wertpapierdepot more info]
| |
| − | * {{AffLink|DKB|dkb}}: [https://www.dkb.de/privatkunden/broker/ more info]
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: [https://www.hypovereinsbank.de/hvb/privatkunden/geldanlage/depotmodelle more info]
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| − | * {{Link|ING|ing.giro}}: [https://www.ing.de/sparen-anlegen/direkt-depot/ more info]
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| − | * {{AffLink|Norisbank|norisbank}}: [https://www.norisbank.de/geldanlage/wertpapiere/depot.html more info]
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| − | * {{Link|Openbank|openbank}}: [https://www.openbank.de/aktien-kaufen more info]
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| − | * {{AffLink|Postbank|postbank}}: [https://www.postbank.de/privatkunden/produkte/wertpapiere-sparen/wertpapiere/depot-eroeffnen.html more info]
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| − | * {{Link|Revolut|revolut}}: [https://www.revolut.com/help/wealth/stocks more info]
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| − | * {{AffLink|Targobank|targobank}}: [https://www.targobank.de/de/vermoegen/depot-modelle.html more info]
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| − | * [[Vivid Money]]: [https://vivid.money/en-eu/investments/ more info]
| |
| − | * {{Link|Yuh|yuh}}: [https://www.yuh.com/en/features/invest more info]
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| − | | |
| − | <div id="crypto"/>
| |
| − | === Banks With Crypto Currencies ===
| |
| − | These accounts allow you to trade '''Bitcoin''' etc.
| |
| − | | |
| − | * {{AffLink|Nuri|nuri}}: [https://nuri.com/cryptocurrency/ more info]
| |
| − | * {{Link|Revolut|revolut}}: [https://www.revolut.com/help/wealth/cryptocurrencies more info]
| |
| − | * [[Vivid Money]]: [https://vivid.money/en-eu/investments/crypto/ more info]
| |
| − | * {{Link|Yuh|yuh}}: [https://www.yuh.com/en/features/invest more info]
| |
| − | | |
| − | <div id="bonuses"/>
| |
| − | === Banks With Bonuses ===
| |
| − | | |
| − | These accounts will pay you for signing up.
| |
| − | | |
| − | * {{Link|1822direkt|1822direkt}}: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months ([https://www.1822direkt.de/fileadmin/Home/Dokumente/PDF/Girokonto/Teilnahmebedingungen_fuer_die_Girokonto-Praemien.pdf conditions])
| |
| − | * {{AffLink|Commerzbank|commerzbank}} : €50 welcome bonus if you send or receive 5 payments per month of min. €25 (salary, providers etc.) and agree to sales calls ([https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie conditions])
| |
| − | * {{AffLink|Consorsbank|consorsbank}}: €50 welcome bonus if you receive 3 payments of min. €700 within the first 6 months ([https://www.consorsbank.de/ev/Girokonto/-/Girokonto#Freetrades more info])
| |
| − | * {{AffLink|Norisbank|norisbank}}: €50 welcome bonus if you use their account switching service ([https://www.norisbank.de/girokonto/privatkunden/top-girokonto.html?kid=e.8.10.28.14.3&wt_financeads=1&s_id=723442754X28143C12710649TShttps://berlincheap.com/bonus-banking/#kontowechselservice more info])
| |
| − | * [[Vivid Money]]: €40 in cashback, if you
| |
| − | ** make 3 in-store card payments of at least €10 each
| |
| − | ** on 3 different days
| |
| − | ** within 90 days of opening your account.
| |
| − | <div id="comparisons"/>
| |
| − | | |
| − | == Comparisons of Banks ==
| |
| − | These finance services compare current bank account options on the market and let you filter the list by specific features:
| |
| − | | |
| − | === Banks for Individuals Compared ===
| |
| − | <gallery mode="nolines" widths="300px">
| |
| − | File:FA.girokonto.png|{{AffLink|Comparison by Financeads|fa.girokonto}} [https://translate.google.com/translate?sl=de&tl=en&u=https%3A%2F%2Fexpatwiki.org%2Fgo%2Ffa.girokonto (translated)]|link=https://expatwiki.org/go/fa.girokonto
| |
| − | File:FQ.girokonto.png|{{AffLink|Comparison by FinanceQuality|fq.girokonto}} [https://translate.google.com/translate?sl=de&tl=en&u=https%3A%2F%2Fexpatwiki.org%2Fgo%2Ffq.girokonto (translated)]|link=https://expatwiki.org/go/fq.girokonto
| |
| − | File:TC.girokonto.png|{{AffLink|Comparison by Check24|tc.girokonto}}|link=https://expatwiki.org/go/tc.girokonto
| |
| − | </gallery>
| |
| − | | |
| − | === Banks for Students Compared ===
| |
| − | * [[/Students|Student Bank Account Options Compared]]
| |
| − | | |
| − | <div id="recommended"/>
| |
| − | | |
| − | == Banks Recommended for Foreigners ==
| |
| − | | |
| − | All listed banks also accept non-Germans. But some make it easier than others.
| |
| − | | |
| − | Banks suitable for expats:
| |
| − | | |
| − | * have support in English (or even more languages)
| |
| − | * do not require you to have a registered address (''Anmeldung'')
| |
| − | * accept many foreign passports and identity cards for opening
| |
| − | | |
| − | Recommended banks for expats are:
| |
| − | | |
| − | === [[Vivid Money]] ===
| |
| − | | |
| − | * [https://help.vivid.money/en/articles/4159457-how-do-i-verify-my-identity-and-what-document-can-i-use accepts many documents for account opening] (incl. UA passport)
| |
| − | * support in 5 languages
| |
| − | * free / no monthly fees
| |
| − | * free Visa debit card if topped up with €200
| |
| − | * IBAN from Germany 🇩🇪
| |
| − | {{AffLink|Open a Vivid account|vivid}} | [[Vivid Money|Read more about Vivid]]
| |
| − | | |
| − | === Nuri ===
| |
| − | | |
| − | * [https://nuri.com/supported-nationalities/ accepts many documents for account opening] (incl. UA passport)
| |
| − | * support in English
| |
| − | * free / no monthly fees
| |
| − | * free Visa debit card
| |
| − | * IBAN from Germany 🇩🇪
| |
| − | {{AffLink|Open a Nuri account|nuri}}
| |
| − | | |
| − | === Revolut ===
| |
| − | * [https://www.revolut.com/help/profile-plan/verifying-identity/what-countries-are-supported accepts many documents for account opening]
| |
| − | * support in 24 languages
| |
| − | * free / no monthly fees
| |
| − | * Visa debit card for [https://www.revolut.com/de-DE/legal/standard-fees €5.99 one-time delivery fee]
| |
| − | * IBAN from Lithuania 🇱🇹
| |
| − | {{AffLink|Open a Revolut account|revolut}}
| |
| | | | |
| − | === [[Wise]] ===
| + | }} |
| − | * [https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity accepts many documents for account opening] (incl. UA international passport)
| + | }} |
| − | * support in 13 languages
| |
| − | * free / no monthly fees
| |
| − | * Mastercard debit card for [https://wise.com/multi-currency-account/pricing €8 one-time delivery fee]
| |
| − | * IBAN from Belgium 🇧🇪
| |
| − | {{AffLink|Open a Wise account|wise}} | [[Wise|Read more about Wise]]
| |
| | | | |
| | {{Notes}} | | {{Notes}} |
| | | | |
| | [[Category:Banking]] | | [[Category:Banking]] |