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| | {{Head | | {{Head |
| − | |Bank Accounts in Germany | + | |Banking in Germany |
| | |Free, English, no Anmeldung | | |Free, English, no Anmeldung |
| − | |When living in Germany, having a '''German Bank Account''' (or a Euro currency account) can be useful. Here is a list of accounts by features. | + | |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. |
| | }} | | }} |
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| − | This article covers '''accounts for individuals''', also called '''current account''' or '''giro account''' (''Girokonto''). For other account types, see
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| − | <div class="ul-list-style-none">
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| − | * [[/Business|List of German Business Banks]]
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| − | * [[/Savings|List of German Savings Accounts]]
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| − | * [[/Credit_cards|List of German Credit Cards]]
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| − | * [[/Brokers|List of German Brokers]]
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| − | </div>
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| − |
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| − | Banks in this article are sorted by features, popular ones are:
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| | | | |
| | <div class="ul-list-style-none"> | | <div class="ul-list-style-none"> |
| − | | + | * [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals |
| − | * [[#free|Free Bank Accounts]] | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free banks (no monthly fees)</htmltag> |
| − | * [[#support-en|Banks with English support]] | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag> |
| − | * [[#no-address|Banks with no Registered Address (''Anmeldung'') required]] | + | ** <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> | | </div> |
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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. |
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| − | 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. |
| | | | |
| | }}{{FAQ/Item|q= What do I need to open a German bank account? |a= | | }}{{FAQ/Item|q= What do I need to open a German bank account? |a= |
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| | * Sometimes, you need to show your registration (''Anmeldung'') | | * Sometimes, you need to show your registration (''Anmeldung'') |
| | * 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.) |
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| − | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]].
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| | | | |
| | }}{{FAQ/Item|q= Which type of bank account can I use as a freelancer? |a= | | }}{{FAQ/Item|q= Which type of bank account can I use as a freelancer? |a= |
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| | A bank that | | A bank that |
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| − | * 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. |
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| − | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]].
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| | }} | | }} |
| | }} | | }} |
| − | == Lists of Banks for Individuals (''Girokonto'') ==
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| − | <div id="support-en"/>
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| − | === Banks With English Support ===
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| − | These banks have support also in English.
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| − | * {{AffLink|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish
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| − | * {{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}}
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| − | * {{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
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| − | * {{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
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| − | * {{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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| − |
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| − | <div id="no-address"/>
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| − | === Banks With No Registered Address (''Anmeldung'') Required ===
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| − | These banks to not require a registered address (''Anmeldung'').
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| − | * {{AffLink|Bunq|bunq}}: requires passport or ID card<ref>{{Cite|date=2022-07-01|quote=physical documents in hand to complete the identity verification|url=https://together.bunq.com/d/3355-what-id-documents-are-accepted-for-my-identity-verification}}</ref>
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| − | * {{AffLink|Monese|monese}}: requires passport or ID card<ref>{{Cite|date=2022-07-01|quote=Unlike banks, we don’t ask for documents on your address or credit history.|url=https://monese.com/gb/en/features/account-opening}}</ref>
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| − | * {{Link|Revolut|revolut}}: required passport or ID card, maybe also a visa<ref>{{Cite|date=2022-07-01|quote=You will need to take a picture of a valid government-issued photo ID and a picture of your face. We may request a copy of your legal right to remain in your country (e.g. visa).|url=https://www.revolut.com/help/profile-and-plan/verifying-identity/how-do-i-verify-my-identity}}</ref>
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| − | * [[Vivid Money]]: You can open an account without ''Anmeldung'' but within 90 days, you must provide a tax ID (TIN). You get a TIN after an Anmeldung.
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| − | * [[Wise]]
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| − | <div id="iban-de"/>
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| − | === Banks With a German Account Number ===
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| − | These banks offer an IBAN from Germany.
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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}}
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| − | * {{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}}
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| − | * {{AffLink|Tomorrow|tomorrow}}
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| − | * [[Vivid Money]]
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| − |
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| − | <div id="free"/>
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| − | === Banks With No Monthly Fees ===
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| − | These banks do not charge a monthly fee.
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| − |
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| − | * {{AffLink|DKB|dkb}}
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| − | * {{Link|Insha|insha}}
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| − | * {{Link|Lydia|lydia}}<ref>{{Cite|date=2022-04-30|quote=Lydia 0 €|url=https://lydia-app.com/products/plans}}</ref>
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| − | * {{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>
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| − | * {{Link|Monese|monese}} <ref>{{Cite|date=2022-04-30|quote=Starter €0/month|url=https://monese.com/de/en/pricing}}</ref>
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| − | * {{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]]
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| − | * [[Wise]]
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| − | * {{Link|Yuh|yuh}}
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| − | ==== No regular fees if you receive money on it regularly ====
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| − | * {{Link|1822direkt|1822direkt}}: if you receive minimum €0.01 every month <ref>{{Cite|date=2022-05-04|url= https://www.1822direkt.de/girokonto/1822mobile/ |quote= Kostenlose Kontoführung ab einem monatlichen Geldeingang von 0,01 € }}</ref>
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| − | * {{AffLink|Consorsbank|consorsbank}}: if you receive minimum €700 every month<ref>{{Cite|date=2022-05-04|url= https://aktionen.consorsbank.de/ev/girokonto/ |quote= Kostenloses Girokonto / bei monatlichem Geldeingang ab 700 Euro oder für alle unter 28 Jahren }}</ref>
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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<ref>{{Cite|date=2022-05-04|url= https://www.comdirect.de/cms/lp/giro_aff_NKM_xsk.html?ci=000000000000000TL0000000500080& |quote= Anschließend bleibt das Girokonto kostenlos bei 700 Euro monatlichem Mindestgeldeingang }}</ref>
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| − | * {{Link|ING|ing.giro}}: if you receive minimum €700 every month<ref>{{Cite|date=2022-05-04|url= https://www.ing.de/girokonto/ |quote= Bei einem monatlichen Gehaltseingang von 700 Euro / z.B. durch Ihr Gehalt, Ihre Rente oder Pension. }}</ref>
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| − | * {{AffLink|Norisbank|norisbank}}: if you receive minimum €500 every month & hold less than €50,000<ref>{{Cite|date=2022-05-04|url= https://www.norisbank.de/girokonto/produkte/mobile-top-girokonto.html |quote= Kostenlose Kontoführung / ab 500 Euro Geldeingang pro Monat und einem Guthabenbis zu 50.000 Euro }}</ref>
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| − | * {{AffLink|Postbank Giro extra plus|postbank.giro.extra-plus}}: if you receive minimum €3000 every month<ref>{{Cite|date=2022-05-04|url= https://www.postbank.de/privatkunden/produkte/konten-karten/girokonten/giro-extra-plus.html |quote= 0,00 Euro / Monat ab 3.000 Euro mtl. bargeldlosen Geldeingang }}</ref>
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| − | * {{AffLink|Targobank|targobank}}: if you receive minimum €600 every month<ref>{{Cite|date=2022-05-04|url= https://www.targobank.de/de/konto-karten/online-konto.html |quote= Bei einem monatlichen Gehaltseingang ab 600€ ist die Kontoführungsgebühr kostenlos. }}</ref>
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| − | ==== No regular fees for young people ====
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| − | * {{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"/>
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| − | === Banks With Free Cash Withdrawals ===
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| − | These banks allow you to withdraw cash without fees.
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| − | ==== … at bank machines worldwide ====
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| − | * {{AffLink|Bunq|bunq}}: 4 withdrawals per month are free<ref>{{Cite|date=2022-05-03|url=https://www.bunq.com/pricing-sheet|quote=First four withdrawals per month are free, the five after are €0.99. Thereafter, €2.99 per withdrawal}}</ref>
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| − | * {{AffLink|comdirect|comdirect}}: 3 per month with Visa card are free
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| − | * {{AffLink|DKB|dkb}}: minimum €50 per withdrawal<ref>{{Cite|date=2022-05-03|url=https://bank.dkb.de/privatkunden/karten/bargeld|quote=Mit der Visa Debitkarte oder Visa Kreditkarte hebst du weltweit an Automaten mit dem Visa-Logo zwischen 50 und 1.000 Euro ab. Im Inland kannst du an vielen Automaten mit der Girokarte Bargeld abheben.}}</ref>
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| − | * {{AffLink|Nuri|nuri}}: unlimited free withdrawals<ref>{{Cite|date=2022-05-03|url=https://support.nuri.com/hc/en-gb/articles/4412448572562-What-is-the-cost-of-an-ATM-withdrawal-|quote=Nuri does not charge fees for ATM withdrawals.}}</ref>
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| − | * {{Link|Revolut|revolut}}: 200 EUR / 5 per month are free<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/making-payments/withdrawing-cash/does-revolut-charge-for-cash-withdrawal|quote=Standard plan users can withdraw a total of £200, or make a total of 5 ATM withdrawals (whatever comes first).}}</ref>
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| − | * [[Wise]]: 200 EUR / 2 per month are free<ref>{{Cite|date=2022-05-03|url=https://wise.com/help/articles/2935769/how-much-does-it-cost-to-withdraw-cash|quote=You can take out money for free twice a month — as long as the total amount is under 200 GBP/EUR.}}</ref>
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| − | ==== … at bank machines in €-zone / [https://en.wikipedia.org/wiki/European_Economic_Area EEA] ====
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| − | * {{AffLink|Consorsbank|consorsbank}}
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: at UniCredit banks in 13 EU countries
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| − | * {{Link|Insha|insha}} 2 free withdrawals per month<ref>{{Cite|date=2022-05-03|url=https://files.getinsha.com/uploads/T-C/Pricing_sb_.pdf|quote=First 3 withdrawals in Germany € 0}}</ref>
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| − | * {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs<ref name="openbank-cash-withdrawal">{{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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| − | ==== … 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 name="openbank-cash-withdrawal"/>
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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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| − |
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| − | ==== …at shops ====
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| − | There are 2 systems for withdrawing cash at shops: [[/Viacash|Viacash]] and [[/Cash-Back|Cash-Back]].
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| − |
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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.giro}} 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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| − |
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| − | <div id="cash_deposits"/>
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| − |
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| − | === Banks with Cash Deposits ===
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| − |
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| − | These banks allow you to top-up your account with cash.
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| − |
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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>
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| − | * {{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>
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| − | * {{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: …}}</ref>
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| − | * {{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>
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| − | * {{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>
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| − | * {{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>
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| − | * {{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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| − |
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| − | <div id="joint"/>
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| − |
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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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| − |
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| − | * {{Link|Revolut|revolut}}: offers group vaults<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/en-DE/help/wealth/vaults/group-vaults/what-is-a-group-vault|quote=What is a Group Vault?}}</ref>
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| − | * [[Vivid Money]]: offers shared pockets<ref>{{Cite|date=2022-05-03|url=https://press.vivid.money/tpost/n3h3brfnj1-vivid-money-introduces-shared-pockets-ev|quote=Each Vivid customer invited to a Pocket can connect both their own physical metal card and virtual Visa debit cards to Shared Pockets and make payments directly from them - no extra cards are required}}</ref>
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| − | <div id="children"/>
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| − |
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| − | === Banks For Children ===
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| − |
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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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| − |
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| − | * {{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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| − |
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| − | <div id="currencies"/>
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| − |
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| − | === Banks With Multiple Currencies ===
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| − |
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| − | These bank offer to not only hold your money in EUR but also in other currencies.
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| − |
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| − | * {{AffLink|Bunq|bunq}}: offers USB, GBP, CHF, PLN, BGN, DLL, SEK, CAD, TRL, CZK, RON, AED, AUD NOK, ZAR<ref>{{Cite|date=2022-05-03|url=https://together.bunq.com/d/45414-local-currencies/9|quote=Receive, convert, hold and spend in your favorite currency …}}</ref>
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| − | * {{Link|Lydia|lydia}}: offers EUR & GBP<ref>{{Cite|date=2022-05-03|url=https://support.lydia-app.com/l/en/article/acvagom7kq-accepted-currencies|quote=Two currencies are currently supported by Lydia accounts: you can send/receive either Euros (€) or Pounds Sterling (£).}}</ref>
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| − | * {{Link|Monese|monese}}: EUR, GBP and RON
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| − | ** GBP only when living in the UK<ref>{{Cite|date=2022-05-03|url=https://support.monese.com/hc/en-gb/articles/360018666299-I-live-in-the-EEA-why-can-t-I-open-a-GBP-account-|quote=From Jan 1st 2021 we are temporarily suspending the creation of GBP accounts for customers outside of the UK}}</ref>
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| − | ** RON only with Romanian ID <ref>{{Cite|date=2022-05-03|url=https://monese.com/gr/de/blog/ron-accounts|quote=If you've got a Romania-issued ID, you can now open a new RON currency account, with a fully local Romanian account number (IBAN) and a RON debit card!}}</ref>
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| − | * {{Link|Revolut|revolut}}: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, NOK, PLN, RON, SEK, USD, ZAR<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/adding-money/with-card/what-cards-and-currencies-are-supported|quote=You can add money to your Revolut account with a card in …}}</ref>
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| − | * [[Vivid Money]]: up to 100+ currencies<ref>{{Cite|url=https://vivid.money/en-eu/compare/|date=2022-05-03|quote=Currencies in free separate pockets: Up to 40 currencies / Up to 107 currencies}}</ref>, but can be topped up only in EUR<ref>{{Cite|date=2022-05-03|url=https://expatwiki.org/index.php?title=Vivid_Money&action=edit§ion=12|quote=we currently don’t support SWIFT transfers or any network other than SEPA in Euros.}}</ref>
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| − | * [[Wise]]: 50+ currencies<ref>{{Cite|date=2022-05-03|url=https://wise.com/help/articles/2897238/which-currencies-can-i-add-keep-and-receive-in-my-wise-account|quote=You can keep 50+ currencies in your account.}}</ref>
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| − | * {{Link|Yuh|yuh}}: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/pricing|quote=Bank transfers in Switzerland in 13 currencies}}</ref>
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| − |
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| − | <div id="broker"/>
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| − |
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| − | === Banks With A Broker ===
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| − | These accounts allow you to trade shares and funds / ETFs. The term in German is usually ''Depot''.
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| − |
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| − | See also: [[/Brokers|List of German (Online) Brokers]].
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| − |
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| − | * {{Link|1822direkt|1822direkt}}: free for the first 3 years<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/anlegen-depot/wertpapierdepot/|quote=Kostenloses Depot für 3 Jahre* / Bereits ab 0,00 € handeln*}}</ref>
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| − | * {{AffLink|Commerzbank|commerzbank}}: free if you make at least one paid transaction per quarter <ref>{{Cite|date=2022-05-03|url=https://www.commerzbank.de/portal/de/privatkunden/sparen-anlegen/produkte/depotmodelle/depot-eroeffnen/depot-eroeffnen.html|quote=Die Depotführung ist kostenlos, sofern mindestens eine gebührenpflichtige Transaktion pro Quartal ausgeführt wird.}}</ref>
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| − | * {{AffLink|comdirect|comdirect}}: free for the first 3 years<ref>{{Cite|date=2022-05-03|url=https://www.comdirect.de/depot/comdirect-depot.html|quote=Kostenlose Depotführung2: garantiert für volle 3 Jahre}}</ref>
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| − | * {{AffLink|Consorsbank|consorsbank}}: free <ref>{{Cite|date=2022-05-03|url=https://www.consorsbank.de/ev/Wertpapierhandel/Depot-Software/Wertpapierdepot|quote=kostenlose Depotführung}}</ref>
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| − | * {{AffLink|DKB|dkb}}: free, orders from €10 <ref>{{Cite|date=2022-05-03|url=https://www.dkb.de/privatkunden/broker/|quote=kostenloses Depot und Verrechnungskonto / günstige Orders ab 10 Euro}}</ref>
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| − | * {{Link|Hypovereinsbank|hypovereinsbank}}: 3 different offers<ref>{{Cite|date=2022-05-03|url=https://www.hypovereinsbank.de/hvb/privatkunden/geldanlage/depotmodelle|quote=Welches Depot für welchen Anlagetyp?}}</ref>
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| − | * {{Link|ING|ing.giro}}: free, savings plans from €1<ref>{{Cite|date=2022-05-03|url=https://www.ing.de/sparen-anlegen/direkt-depot/|quote=Kostenlose Depotführung / Wertpapier-Sparpläne ab 1 Euro}}</ref>
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| − | * {{AffLink|Norisbank|norisbank}}: free<ref>{{Cite|date=2022-05-03|url=https://www.norisbank.de/geldanlage/wertpapiere/depot.html|quote=0,– Euro Depotführungsgebühren}}</ref>
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| − | * {{Link|Openbank|openbank}}: fee 0.16%, minimum €12 per year<ref>{{Cite|date=2022-05-03|url=https://www.openbank.es/assets/static/de/pdf/Investments/Brokerage_Gebuehren_kurz_DE.pdf|quote=An Aktienmärkten handelbare Wertpapiere / 0,16% / 12,00 €}}</ref>
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| − | * {{AffLink|Postbank|postbank}}: free<ref>{{Cite|date=2022-05-03|url=https://www.postbank.de/privatkunden/produkte/wertpapiere-sparen/wertpapiere/depot-eroeffnen.html|quote=0,00 € Grundpreis}}</ref>
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| − | * {{Link|Revolut|revolut}}: free, fractional shares <ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/wealth/stocks|quote=What is a fractional share?}}</ref>
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| − | * {{AffLink|Targobank|targobank}}: 4 different models<ref>{{Cite|date=2022-05-03|url=https://www.targobank.de/de/vermoegen/depot-modelle.html|quote=Welches Depot passt zu mir?}}</ref>
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| − | * [[Vivid Money]]: free, fractional shares<ref>{{Cite|date=2022-05-03|url=https://vivid.money/en-eu/investments/stocks/|quote=Commission-free fractional investing with no limits / There are no commissions or trade limits.}}</ref>
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| − | * {{Link|Yuh|yuh}}: free, fractional shares<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/features/invest|quote=At Yuh, you can trade all products in fractions and invest any amount you like in a share, starting at 25 CHF.}}</ref>
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| − |
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| − | <div id="crypto"/>
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| − |
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| − | === Banks With Crypto Currencies ===
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| − | These accounts allow you to trade '''Bitcoin''' etc.
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| − |
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| − | * {{AffLink|Nuri|nuri}}: BTC & ETH, directly<ref>{{Cite|date=2022-05-03|url=https://nuri.com/cryptocurrency/|quote=You own bitcoin directly from the Blockchain straight to your wallet.}}</ref>
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| − | * {{Link|Revolut|revolut}}: 60+ currencies<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/wealth/cryptocurrencies/getting-cryptocurrency-exposure/which-cryptocurrencies-are-supported-and-how-do-i-start-investing-in-cryptocurrencies|quote=You can buy/sell …}}</ref>
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| − | * [[Vivid Money]]: 150+ currencies<ref>{{Cite|date=2022-05-03|url=https://vivid.money/en-eu/investments/crypto/|quote=Buy 150+ crypto coins}}</ref>
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| − | * {{Link|Yuh|yuh}}: 26 currencies<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/support/faq|quote=Which investment products can I trade with Yuh?}}</ref>
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| − |
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| − | <div id="bonuses"/>
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| − |
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| − | === Banks With Bonuses ===
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| − |
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| − | These accounts will pay you for signing up.
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| − |
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| − | * {{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<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/fileadmin/Home/Dokumente/PDF/Girokonto/Teilnahmebedingungen_fuer_die_Girokonto-Praemien.pdf|quote=Sie erhalten eine Gutschrift von 25 €, wenn …}}</ref>
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| − |
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| − | * {{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<ref>{{Cite|date=2022-05-03|url=https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie|quote=Wie erhalte ich die 50€ Startprämie?}}</ref>
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| − | * {{AffLink|Norisbank|norisbank}}: €50 welcome bonus if you use their account switching service<ref>{{Cite|date=2022-05-03|url=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|quote=Beim Abschluss unseres Top-Girokontos erhalten Sie eine Prämie in Höhe von 50 Euro …}}</ref>
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| − | * [[Vivid Money]]: €40 in cashback, if you
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| − | ** make 3 in-store card payments of at least €10 each
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| − | ** on 3 different days
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| − | ** within 90 days of opening your account.
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| − | <div id="comparisons"/>
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| − |
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| − | == Comparisons of Banks ==
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| − | These finance services compare current bank account options on the market and let you filter the list by specific features:
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| − |
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| − | === Banks for Individuals Compared ===
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| − | <gallery mode="nolines" widths="300px">
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| − | 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
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| − | 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
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| − | File:TC.girokonto.png|{{AffLink|Comparison by Check24|tc.girokonto}}|link=https://expatwiki.org/go/tc.girokonto
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| − | </gallery>
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| − |
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| − | === Banks for Students Compared ===
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| − | * [[/Students|Student Bank Account Options Compared]]
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| − |
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| − | <div id="recommended"/>
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| − |
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| − | == Banks Recommended for Foreigners ==
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| − |
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| − | All listed banks also accept non-Germans. But some make it easier than others.
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| − |
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| − | Banks suitable for expats:
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| − |
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| − | * have support in English (or even more languages)
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| − | * do not require you to have a registered address (''Anmeldung'')
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| − | * accept many foreign passports and identity cards for opening
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| − |
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| − | Recommended banks for expats are:
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| − |
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| − | === [[Vivid Money]] ===
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| − |
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| − | * accepts many documents for account opening (incl. UA passport)<ref>{{Cite|date=2022-05-03|url=https://help.vivid.money/en/articles/4159457-how-do-i-verify-my-identity-and-what-document-can-i-use|quote=How do I verify my identity and what document can I use?}}</ref>
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| − | ** You can open an account without ''Anmeldung'' but within 90 days, you must provide a tax ID (TIN). You get a TIN after an Anmeldung.
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| − | * support in 5 languages
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| − | * free / no monthly fees
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| − | * free Visa debit card if topped up with €200
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| − | * IBAN from Germany 🇩🇪
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| − | {{AffLink|Vivid website|vivid}} | [[Vivid Money|Read more about Vivid]]
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| − |
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| − | === Nuri ===
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| − |
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| − | * accepts many documents for account opening] (incl. UA 🇺🇦 passport)<ref>{{Cite|date=2022-05-03|url=https://nuri.com/supported-nationalities/|quote=Nuri is available for residents of the European Economic Area (incl. Switzerland and UK) and accepts identification documents from 70+ nationalities.}}</ref>
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| − | * support in English
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| − | * free / no monthly fees
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| − | * free Visa debit card
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| − | * IBAN from Germany 🇩🇪
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| − | {{AffLink|Nuri website|nuri}}
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| − |
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| − | === Revolut ===
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| − | * accepts many documents for account opening<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/profile-plan/verifying-identity/what-countries-are-supported|quote=We are currently only supporting legal residents of the European Economic Area (EEA), Australia, Singapore, Switzerland, Japan, the United Kingdom and the United States.}}</ref>
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| − | * support in 24 languages
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| − | * free / no monthly fees
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| − | * Visa debit card for €5.99 one-time delivery fee<ref>{{Cite|date=2022-05-03|url=https://assets.revolut.com/legal/terms/EN%20Personal%20Fees%20UAB%20Old.pdf|quote=£4.99 or currency equivalent for standard delivery}}</ref>
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| − | * IBAN from Lithuania 🇱🇹
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| − | {{Link|Revolut website|revolut}}
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| − |
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| − | === [[Wise]] ===
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| − | * accepts many documents for account opening (incl. UA 🇺🇦 international passport)<ref>{{Cite|url=https://wise.com/help/articles/2977982/i-dont-have-the-documents-you-asked-for|date=2022-05-01|quote=In this article, we’ll let you know what kinds of ID we accept around the world, as well as what to do if you have refugee status.}}</ref>
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| − | * support in 13 languages
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| − | * free / no monthly fees
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| − | * Mastercard debit card for an €8 one-time delivery fee<ref>{{Cite|url=https://wise.com/gb/multi-currency-account/pricing|date=2022-05-01|quote=Order a Wise debit card: 5 GBP}}</ref>
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| − | * IBAN from Belgium 🇧🇪
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| − | {{AffLink|Wise website|wise}} | [[Wise|Read more about Wise]]
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| | | | |
| | {{Notes}} | | {{Notes}} |
| | | | |
| | [[Category:Banking]] | | [[Category:Banking]] |