Difference between revisions of "Germany/Banking"
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* {{Link|DKB|dkb}} | * {{Link|DKB|dkb}} | ||
* {{Link|Insha|insha}} | * {{Link|Insha|insha}} | ||
| + | * {{Link|Lydia|lydia}} ([https://lydia-app.com/products/plans free plan with limited features]) | ||
| + | * {{Link|Monese|monese}} ([https://monese.com/de/en/pricing Starter plan]) | ||
* {{Link|N26|n26}} | * {{Link|N26|n26}} | ||
* {{Link|Nuri|nuri}} | * {{Link|Nuri|nuri}} | ||
Revision as of 10:35, 2 February 2022
When living in Germany, having a German Bank Account (or an account for Euros) can be very useful. Here's a list of them by features.
Frequently Asked Questions (FAQ)
What is a German bank account?
In this article, German bank account are accounts that have an account number (IBAN) starting with DE….
Do I need a German or Euro bank account?
To pay rent and most bills or receive salary, you usually need an account that can send and receive SEPA transfers in EUR.
So your bank account does not necessarily be from Germany. It must only be able to send and receive SEPA transfers in EUR. Many accounts from other EU and EEA countries can do that.
However, some companies and authorities have problems using non-German IBAN. This is illegal but it may happen. Then, a German account is more convenient.
Lists of Private (Giro) Bank Accounts
Bank Accounts With English Support
- Bunq, speaks also: Dutch, French, Italian, Portuguese, Spanish
- Commerzbank (online banking)
- Deutsche Bank
- Insha
- Lydia
- Monese, speaks also: Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish
- N26, speaks also: French, German, Italian, Spanish
- Nuri
- 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
- Tomorrow
- Vivid Money, speaks also: French, German, Italian, Spanish
- Wise, speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
- Yuh
Bank Accounts With German Account Number (IBAN)
Bank Accounts Without Monthly Fees
- DKB
- Insha
- Lydia (free plan with limited features)
- Monese (Starter plan)
- N26
- Nuri
- Revolut
- Vivid Money
- Wise
… if you receive money on it regularly
- Commerzbank if you receive minimum €700 every month
- ING if you receive minimum €700 every month
- Norisbank if you receive minimum €500 every month
- O2 Banking if you receive minimum €700 every month
… for young people
- ING if you are < 28
- Norisbank if you are < 21
- O2 Banking if you are < 28 and a student, apprentice or trainee
Bank Accounts With Signup Bonuses
- Vivid Money: €10 welcome bonus + up to €100 cashback
- Commerzbank: €50 welcome bonus (conditions)
Comparisons of Bank Accounts
These finance services compare current bank accounts on the market and let you filter the list by specific features: