Current Bank Accounts in Germany

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Revision as of 00:10, 29 September 2022 by Jorges (talk | contribs) (Add Cash Withdrawal at shops with Vivid.)
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Filter Current bank accounts (Girokonto, checking account) available in Germany by their features, for example: no monthly fees, free cash withdrawals, cash deposits, English support, signup with no registered address (Anmeldung) etc.

See also: Banking in Germany (Overview, FAQ)

Banks Filtered by Features

Example: Free banks with English support, Banks with free cash withdrawals and no registered address (Anmeldung) required

Note: This list is not a complete market overview.

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currencies

IBAN

languages

Trustpilot[1]

1822direkt[2]

2.5
2.5 stars on Trustpilot for 1822direkt.de
Online bank since 1996, run by Sparkasse; monthly fees: no if you receive minimum €0.01 every month[3]; cash-withdrawals: 4 per month free at Sparkasse group ATMs; cash-deposits: free only at Frankfurter Sparkasse branches[4]; broker: free for the first 3 years[5]; bonuses: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months[6];

Bunq[2]

2.5
2.5 stars on Trustpilot for bunq.com
Dutch online bank since 2012; monthly fees: yes[7]; cash-withdrawals: 4 per month at ATMs are free[8], unlimited free withdrawals at shops with Viacash[9]; cash-deposits: at shops with Viacash[10]; verification: with passport or ID card[11];

comdirect[2]

1.5
1.5 stars on Trustpilot for comdirect.de
monthly fees: no if you are under 28, or if you receive minimum €700 every month[12]; cash-withdrawals: free at Cash Group ATMs, 3 free per month worldwide, free at shops[13]; cash-deposits: free at branches & ATMs[14]; broker: free for the first 3 years[15];

Commerzbank[2]

1.5
1.5 stars on Trustpilot for commerzbank.de
languages: German, English only online banking (after signup); monthly fees: no if you receive minimum €700 / month; cash-withdrawals: at Cash Group ATMs; cash-deposits: in their branches at the counter or ATMs[16]; broker: free if you make at least one paid transaction per quarter[17]; bonuses: €50 welcome bonus if you send or receive 5 payments per month of min. €25 (salary, providers etc.) and agree to sales calls[18];

Consorsbank[2]

1.5
1.5 stars on Trustpilot for consorsbank.de
monthly fees: no if you are under 28, or if you receive minimum €700 every month[19]; cash-withdrawals: free at ATMs in Eurozone; cash-deposits: yes if minimum €1000, €7.50 fee[20]; broker: free[21];

Deutsche Bank

2
2 stars on Trustpilot for deutsche-bank.de
languages: German, English only at online banking (after signup); cash-withdrawals: at Cash Group ATMs; cash-deposits: in their branches at the counter or ATMs[22];

DKB[2]

3
3 stars on Trustpilot for dkb.de
monthly fees: no[23]; cash-withdrawals: free worldwide at ATMs, at shops with Cash-Back and Viacash, minimum €50 per withdrawal[24]; cash-deposits: at shops with Viacash, at DKB ATMs & branches[25]; broker: free, orders from €10[26];

Hypovereinsbank

2
2 stars on Trustpilot for hypovereinsbank.de
monthly fees: no in the first 5 years[27]; cash-withdrawals: at Cash Group ATMs, at UniCredit banks in 13 EU countries; cash-deposits: at branches; broker: 3 different offers[28];

ING

4
4 stars on Trustpilot for ing.de
monthly fees: no if you are under 28, or if you receive minimum €700 every month[29]; cash-withdrawals: free at shops with Cash-Back; cash-deposits: free at some of ING's ATMs[30]; broker: free, savings plans from €1[31];

Insha

2.5
2.5 stars on Trustpilot for getinsha.com
monthly fees: no[32]; cash-withdrawals: 2 free withdrawals per month[33];

Lydia

4.5
4.5 stars on Trustpilot for lydia-app.com
monthly fees: no[34]; cash-withdrawals: free only in paid plans[35]; cash-deposits: no;

Monese[2]

4
4 stars on Trustpilot for monese.com
currencies: EUR, GBP (only when living in the UK[36]) and RON (only with Romanian ID[37]); monthly fees: no[38]; cash-withdrawals: free only in paid plans[39]; cash-deposits: no; verification: online, with passport or ID card[40];

Norisbank[2]

1.5
1.5 stars on Trustpilot for norisbank.de
monthly fees: no if you are under 21, or if you receive minimum €500 every month & hold less than €50,000[41]; cash-withdrawals: free at Cash Group ATMs, at shops with Cash-Back; cash-deposits: free at Deutsche Bank cash deposit machines[42]; broker: free[43]; bonuses: €50 welcome bonus if you use their account switching service[44];

N26[2]

3
3 stars on Trustpilot for n26.com
monthly fees: no[45]; cash-withdrawals: 3-5 withdrawals per month free in EUR, 1.7% for other currencies, unlimited free withdrawals at shops with Viacash[46]; cash-deposits: free at shops with Viacash[47];

Openbank

2.5
2.5 stars on Trustpilot for openbank.de
monthly fees: no[48]; cash-withdrawals: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs[49]; cash-deposits: no; broker: fee 0.16%, minimum €12 per year[50];

Postbank[2]

1
1 stars on Trustpilot for postbank.de
monthly fees: no if you are under 22; cash-withdrawals: free at Postbank and Cash Group ATMs; cash-deposits: free at Postbank ATMs[51]; broker: free[52];

Revolut

4.5
4.5 stars on Trustpilot for revolut.com
monthly fees: no in Standard Plan[53]; cards: Visa debit card for €5.99 one-time delivery fee[54]; cash-withdrawals: 200 EUR / 5 per month are free[55]; broker: free, fractional shares[56]; verification: with passport or ID card, sometimes also a visa[57];

Targobank[2]

2.5
2.5 stars on Trustpilot for targobank.de
monthly fees: no if you receive minimum €600 every month[58]; cash-withdrawals: free at CashPool ATMs; cash-deposits: free at shops with Viacash; at TargoATMs[59]; broker: 4 different models[60];

Tomorrow[2]

3.5
3.5 stars on Trustpilot for tomorrow.one
monthly fees: yes[61]; cash-withdrawals: unlimited free withdrawals at shops with Viacash; cash-deposits: at shops with Viacash[62];

Vivid Money[2]

4.5
4.5 stars on Trustpilot for vivid.money
German online bank since 2020; currencies: 40+ currencies[63], but can be topped up only in EUR[64]; monthly fees: no in Standard plan[65]; cash-withdrawals: free when withdrawing €50 or more, €200 / month free in Standard plan[66], €5-€200 for free at shops[67]; cash-deposits: free at shops with Viacash[68]; broker: free, fractional shares[69]; bonuses: €40 in cashback when doing this; verification: 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.; More info & screenshots;

Wise[2]

4.5
4.5 stars on Trustpilot for wise.com
monthly fees: no[70]; cash-withdrawals: 200 EUR / 2 per month are free[71]; cash-deposits: no; verification: with passport, national ID card or driver's license[72]; More info & screenshots;

Yuh

2.5
2.5 stars on Trustpilot for yuh.com
monthly fees: no[73]; cash-withdrawals: 1 per week free in Switzerland, CHF 4.90 abroad[74]; cash-deposits: no; broker: free, fractional shares[75];

More Comparisons

These finance services compare current bank account options on the market and let you filter the list by specific features:

Notes

  1. ↑ rating as of 2022-07-01
  2. ↑ 2.00 2.01 2.02 2.03 2.04 2.05 2.06 2.07 2.08 2.09 2.10 2.11 2.12 2.13 2.14 2.15 2.16 This is an affiliate link. If you click on it and then buy something or sign up for a service, we may earn a commission which covers our expenses. This does not change the price for you.
  3. ↑ "Kostenlose Kontoführung ab einem monatlichen Geldeingang von 0,01 €" – source, retrieved 2022-05-04
  4. ↑ "Einzahlung von Bargeld / Bargeldeinzahlungen sind in Filialen der Frankfurter Sparkasse am Schalter und an den Einzahlautomaten für Sie kostenlos möglich." – source, retrieved 2022-05-03
  5. ↑ "Kostenloses Depot für 3 Jahre* / Bereits ab 0,00 € handeln*" – source, retrieved 2022-05-03
  6. ↑ "Sie erhalten eine Gutschrift von 25 €, wenn …" – source, retrieved 2022-05-03
  7. ↑ "Pricing / Consumers & Businesses" – source, retrieved 2022-07-14
  8. ↑ "First four withdrawals per month are free, the five after are €0.99. Thereafter, €2.99 per withdrawal" – source, retrieved 2022-05-03
  9. ↑ "Withdraw and Deposit cash at more than 10,000 locations across Germany, Austria and Italy thanks to our partnership with Barzahlen." – source, retrieved 2022-05-03
  10. ↑ "Withdraw and Deposit cash at more than 10,000 locations across Germany, Austria and Italy thanks to our partnership with Barzahlen." – source, retrieved 2022-05-03
  11. ↑ "physical documents in hand to complete the identity verification" – source, retrieved 2022-07-01
  12. ↑ "Anschließend bleibt das Girokonto kostenlos bei 700 Euro monatlichem Mindestgeldeingang" – source, retrieved 2022-05-04
  13. ↑ "Mit Ihrer girocard (Debitkarte) kostenlos… / Mit Ihrer Bankkarte (Visa-Debitkarte) kostenlos an allen Geldautomaten mit Visa-Zeichen. 3-mal mtl. kostenlos …" – source, retrieved 2022-07-14
  14. ↑ "Bargeld auf Ihr comdirect Girokonto können Sie in allen Filialen der Commerzbank AG mit der girocard (Debitkarte) an den Ein- und Auszahlungsautomaten sowie am Kassenschalter - in Filialen mit Kassenbereich - einzahlen." – source, retrieved 2022-07-14
  15. ↑ "Kostenlose Depotführung: garantiert für volle 3 Jahre" – source, retrieved 2022-05-03
  16. ↑ "Am Bankautomat / In der Filiale" – source, retrieved 2022-07-12
  17. ↑ "Die Depotführung ist kostenlos, sofern mindestens eine gebührenpflichtige Transaktion pro Quartal ausgeführt wird." – source, retrieved 2022-05-03
  18. ↑ "Wie erhalte ich die 50€ Startprämie?" – source, retrieved 2022-05-03
  19. ↑ "Kostenloses Girokonto / bei monatlichem Geldeingang ab 700 Euro oder für alle unter 28 Jahren" – source, retrieved 2022-05-04
  20. ↑ "Einzahlungen nur zwischen 1.000,00 Euro und 25.000,00 Euro. / Eine Einzahlung kostet 7,50 Euro je angefangene 5.000,00 Euro." – source, retrieved 2022-05-03
  21. ↑ "kostenlose Depotführung" – source, retrieved 2022-05-03
  22. ↑ "An vielen unserer Geldautomaten können Sie nicht nur Bargeldauszahlungen vornehmen, sondern mit jeder Deutsche Bank-Debitkarte und SparCard auch direkt einzahlen." – source, retrieved 2022-07-12
  23. ↑ "Das Girokonto und die Visa Debitkarte sind kostenlos für alle Kund*innen." – source, retrieved 2022-07-14
  24. ↑ "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." – source, retrieved 2022-05-03
  25. ↑ "So kannst du Bargeld einzahlen / An DKB-Geldautomaten / Mit Cash im Shop" – source, retrieved 2022-05-03
  26. ↑ "kostenloses Depot und Verrechnungskonto / günstige Orders ab 10 Euro" – source, retrieved 2022-05-03
  27. ↑ "HVB Plus account € 0,00 for new customers for 5 years, thereafter € 9.90 per month." – source, retrieved 2022-04-30
  28. ↑ "Welches Depot für welchen Anlagetyp?" – source, retrieved 2022-05-03
  29. ↑ "Bei einem monatlichen Gehaltseingang von 700 Euro / z.B. durch Ihr Gehalt, Ihre Rente oder Pension." – source, retrieved 2022-05-04
  30. ↑ "Kann ich auch Bargeld einzahlen? / Die Einzahlung von Bargeld (Scheine) ist auch an einigen unserer Geldautomaten möglich." – source, retrieved 2022-05-03
  31. ↑ "Kostenlose Depotführung / Wertpapier-Sparpläne ab 1 Euro" – source, retrieved 2022-05-03
  32. ↑ "Account Fee: Free" – source, retrieved 2022-07-12
  33. ↑ "First 3 withdrawals in Germany € 0" – source, retrieved 2022-05-03
  34. ↑ "Lydia 0 €" – source, retrieved 2022-07-12
  35. ↑ "Number of ATM withdrawals/month" – source, retrieved 2022-07-12
  36. ↑ "From Jan 1st 2021 we are temporarily suspending the creation of GBP accounts for customers outside of the UK" – source, retrieved 2022-05-03
  37. ↑ "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!" – source, retrieved 2022-05-03
  38. ↑ "Starter €0/month" – source, retrieved 2022-04-30
  39. ↑ "ATM withdrawals" – source, retrieved 2022-07-12
  40. ↑ "Unlike banks, we don’t ask for documents on your address or credit history." – source, retrieved 2022-07-01
  41. ↑ "Kostenlose Kontoführung / ab 500 Euro Geldeingang pro Monat und einem Guthabenbis zu 50.000 Euro" – source, retrieved 2022-05-04
  42. ↑ "Wie kann ich Bargeld auf mein Girokonto einzahlen? / Sie haben an Einzahlautomaten der Deutschen Bank die Möglichkeit, kostenlos Bargeld auf Ihr Konto einzuzahlen." – source, retrieved 2022-05-03
  43. ↑ "0,– Euro Depotführungsgebühren" – source, retrieved 2022-05-03
  44. ↑ "Beim Abschluss unseres Top-Girokontos erhalten Sie eine Prämie in Höhe von 50 Euro …" – source, retrieved 2022-05-03
  45. ↑ "N26 Standard €0.00/month" – source, retrieved 2022-07-14
  46. ↑ "3 to 5* free ATM withdrawals per month in euros" – source, retrieved 2022-07-14
  47. ↑ "CASH26 is available at the following partner stores: …" – source, retrieved 2022-05-03
  48. ↑ "Das Eröffnen und Schließen deiner kostenlosen Girokonten sowie das Führen des Kontos sind vollkommen gratis." – source, retrieved 2022-07-14
  49. ↑ "Mit deiner Debitkarte kannst du 5 mal pro Monat kostenlos Geld an jedem beliebigen Geldautomaten der Welt abheben." – source, retrieved 2022-05-03
  50. ↑ "An Aktienmärkten handelbare Wertpapiere / 0,16% / 12,00 €" – source, retrieved 2022-05-03
  51. ↑ "Mit der Einzahlfunktion an vielen unserer Geldautomaten sind Sie nicht an Öffnungszeiten gebunden." – source, retrieved 2022-05-03
  52. ↑ "0,00 € Grundpreis" – source, retrieved 2022-05-03
  53. ↑ "Standard Free" – source, retrieved 2022-07-14
  54. ↑ "£4.99 or currency equivalent for standard delivery" – source, retrieved 2022-05-03
  55. ↑ "Standard plan users can withdraw a total of £200, or make a total of 5 ATM withdrawals (whatever comes first)." – source, retrieved 2022-05-03
  56. ↑ "What is a fractional share?" – source, retrieved 2022-05-03
  57. ↑ "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)." – source, retrieved 2022-07-01
  58. ↑ "Bei einem monatlichen Gehaltseingang ab 600€ ist die Kontoführungsgebühr kostenlos." – source, retrieved 2022-05-04
  59. ↑ "Einzahlung (nur am Geldautomaten)" – source, retrieved 2022-05-03
  60. ↑ "Welches Depot passt zu mir?" – source, retrieved 2022-05-03
  61. ↑ "Tomorrow accounts / Now / €3 per month" – source, retrieved 2022-07-14
  62. ↑ "How can I deposit cash into my Tomorrow account?" – source, retrieved 2022-05-03
  63. ↑ "Currencies in free separate pockets: Up to 40 currencies / Up to 107 currencies" – source, retrieved 2022-05-03
  64. ↑ "we currently don’t support SWIFT transfers or any network other than SEPA in Euros." – source, retrieved 2022-05-03
  65. ↑ "Vivid Standard €0/month" – source, retrieved 2022-07-14
  66. ↑ "If you want to withdraw more than €50 or anything within the monthly limit stated in the app, you will not be charged any fees." – source, retrieved 2022-07-14
  67. ↑ "Regardless of your plan, there is no minimum amount, but withdrawals under €50 will be subject to fees, and the maximum amount per single transaction is €300. / Our Prime customers can withdraw up to €1000 per month* for free, while Standard customers have €200 monthly." – source, retrieved 2022-09-29
  68. ↑ "…you can now top up your Vivid account making cash deposits in a wide range of supermarkets and health and beauty retailers." – source, retrieved 2022-07-14
  69. ↑ "Commission-free fractional investing with no limits / There are no commissions or trade limits." – source, retrieved 2022-05-03
  70. ↑ "Opening an account / Free" – source, retrieved 2022-07-14
  71. ↑ "You can take out money for free twice a month — as long as the total amount is under 200 GBP/EUR." – source, retrieved 2022-05-03
  72. ↑ "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." – source, retrieved 2022-05-01
  73. ↑ "Zero custody fees." – source, retrieved 2022-07-14
  74. ↑ "Debit Card Cash Withdrawal in Switzerland / abroad" – source, retrieved 2022-07-14
  75. ↑ "At Yuh, you can trade all products in fractions and invest any amount you like in a share, starting at 25 CHF." – source, retrieved 2022-05-03

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