Current Bank Accounts in Germany

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< Germany‎ | Banking
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Filter Current bank accounts (Girkokonto) available in Germany by 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

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    1822direkt[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no if you receive minimum €0.01 every month[2]; cash-withdrawals: 4 per month free at Sparkasse group ATMs; cash-deposits: free only at Frankfurter Sparkasse branches[3]; broker: free for the first 3 years[4]; bonuses: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months[5];


    Bunq[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: 16 currencies[6]; languages: English, German, Dutch, French, Italian, Portuguese, Spanish; 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[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; 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[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German, English at 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[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; 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

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German, English at online banking (after signup); cash-withdrawals: at Cash Group ATMs; cash-deposits: in their branches at the counter or ATMs[22];

    DKB[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; 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

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; 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

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; 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

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German, English; monthly fees: no[32]; cash-withdrawals: 2 free withdrawals per month[33];

    Lydia

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR, GBP[34]; languages: English, French, Spanish, Portuguese; monthly fees: no[35]; cash-withdrawals: free only in paid plans[36]; cash-deposits: no;

    Monese[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR, GBP (only when living in the UK[37]) and RON (only with Romanian ID[38]); languages: English, Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish; monthly fees: no[39]; cash-withdrawals: free only in paid plans[40]; cash-deposits: no; verification: online, with passport or ID card[41];

    Norisbank[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no if you are under 21, or if you receive minimum €500 every month & hold less than €50,000[42]; cash-withdrawals: free at Cash Group ATMs, at shops with Cash-Back; cash-deposits: free at Deutsche Bank cash deposit machines[43]; broker: free[44]; bonuses: €50 welcome bonus if you use their account switching service[45];


    N26[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: English, German, French, Italian, Spanish; monthly fees: no[46]; cash-withdrawals: 3-5 withdrawals per month free in EUR, 1.7% for other currencies, unlimited free withdrawals at shops with Viacash[47]; cash-deposits: free at shops with Viacash[48];

    Nuri[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: English, German; monthly fees: no[49]; cash-withdrawals: unlimited free withdrawals worldwide[50];

    Openbank

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no[51]; cash-withdrawals: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs[52]; cash-deposits: no; broker: fee 0.16%, minimum €12 per year[53];

    Postbank[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no if you are under 22; cash-withdrawals: free at Postbank and Cash Group ATMs; cash-deposits: free at Postbank ATMs[54]; broker: free[55];

    Postbank Giro extra plus[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no if you receive minimum €3000 every month[56]; cash-withdrawals: free at Postbank and Cash Group ATMs; cash-deposits: free at Postbank ATMs[57]; broker: free[58];

    Revolut

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: 18 currencies[59]; languages: English, German, Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French, Greek, Hungarian, Italian, Japanese, Latvian, Lithuanian, Norwegian, Polish, Portuguese, Romanian, Slovakian, Slovenian, Spanish, Swedish; monthly fees: no in Standard Plan[60]; cards: Visa debit card for €5.99 one-time delivery fee[61]; cash-withdrawals: 200 EUR / 5 per month are free[62]; broker: free, fractional shares[63]; verification: with passport or ID card, sometimes also a visa[64];

    Targobank[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: German; monthly fees: no if you receive minimum €600 every month[65]; cash-withdrawals: free at CashPool ATMs; cash-deposits: free at shops with Viacash; at TargoATMs[66]; broker: 4 different models[67];

    Tomorrow[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: EUR; languages: English, German; monthly fees: yes[68]; cash-withdrawals: unlimited free withdrawals at shops with Viacash; cash-deposits: at shops with Viacash[69];

    Vivid Money[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: 40+ currencies[70], but can be topped up only in EUR[71]; languages: English, German, French, Italian, Spanish,; monthly fees: no in Standard plan[72]; cash-withdrawals: free when withdrawing €50 or more, €200 / month free in Standard plan[73]; cash-deposits: free at shops with Viacash[74]; broker: free, fractional shares[75]; 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[1]

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: 50+ currencies[76]; languages: English, German, Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish; monthly fees: no[77]; cash-withdrawals: 200 EUR / 2 per month are free[78]; cash-deposits: no; verification: with passport, national ID card or driver's license[79]; More info & screenshots;

    Yuh

    {{{trustpilot-stars}}}
    {{{trustpilot-stars}}} stars on Trustpilot for {{{trustpilot-domain}}} currencies: 13 currencies[80]; languages: English, German, French, Italian, Spanish; monthly fees: no[81]; cash-withdrawals: 1 per week free in Switzerland, CHF 4.90 abroad[82]; cash-deposits: no; broker: free, fractional shares[83];

More Comparisons

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

Notes

  1. ↑ 1.00 1.01 1.02 1.03 1.04 1.05 1.06 1.07 1.08 1.09 1.10 1.11 1.12 1.13 1.14 1.15 1.16 1.17 1.18 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.
  2. ↑ "Kostenlose Kontoführung ab einem monatlichen Geldeingang von 0,01 €" – source, retrieved 2022-05-04
  3. ↑ "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
  4. ↑ "Kostenloses Depot für 3 Jahre* / Bereits ab 0,00 € handeln*" – source, retrieved 2022-05-03
  5. ↑ "Sie erhalten eine Gutschrift von 25 €, wenn …" – source, retrieved 2022-05-03
  6. ↑ "Receive, convert, hold and spend in your favorite currency …" – 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. ↑ "Two currencies are currently supported by Lydia accounts: you can send/receive either Euros (€) or Pounds Sterling (£)." – source, retrieved 2022-05-03
  35. ↑ "Lydia 0 €" – source, retrieved 2022-07-12
  36. ↑ "Number of ATM withdrawals/month" – source, retrieved 2022-07-12
  37. ↑ "From Jan 1st 2021 we are temporarily suspending the creation of GBP accounts for customers outside of the UK" – source, retrieved 2022-05-03
  38. ↑ "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
  39. ↑ "Starter €0/month" – source, retrieved 2022-04-30
  40. ↑ "ATM withdrawals" – source, retrieved 2022-07-12
  41. ↑ "Unlike banks, we don’t ask for documents on your address or credit history." – source, retrieved 2022-07-01
  42. ↑ "Kostenlose Kontoführung / ab 500 Euro Geldeingang pro Monat und einem Guthabenbis zu 50.000 Euro" – source, retrieved 2022-05-04
  43. ↑ "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
  44. ↑ "0,– Euro Depotführungsgebühren" – source, retrieved 2022-05-03
  45. ↑ "Beim Abschluss unseres Top-Girokontos erhalten Sie eine Prämie in Höhe von 50 Euro …" – source, retrieved 2022-05-03
  46. ↑ "N26 Standard €0.00/month" – source, retrieved 2022-07-14
  47. ↑ "3 to 5* free ATM withdrawals per month in euros" – source, retrieved 2022-07-14
  48. ↑ "CASH26 is available at the following partner stores: …" – source, retrieved 2022-05-03
  49. ↑ "Account Opening & Management €0" – source, retrieved 2022-07-14
  50. ↑ "Nuri does not charge fees for ATM withdrawals." – source, retrieved 2022-05-03
  51. ↑ "Das Eröffnen und Schließen deiner kostenlosen Girokonten sowie das Führen des Kontos sind vollkommen gratis." – source, retrieved 2022-07-14
  52. ↑ "Mit deiner Debitkarte kannst du 5 mal pro Monat kostenlos Geld an jedem beliebigen Geldautomaten der Welt abheben." – source, retrieved 2022-05-03
  53. ↑ "An Aktienmärkten handelbare Wertpapiere / 0,16% / 12,00 €" – source, retrieved 2022-05-03
  54. ↑ "Mit der Einzahlfunktion an vielen unserer Geldautomaten sind Sie nicht an Öffnungszeiten gebunden." – source, retrieved 2022-05-03
  55. ↑ "0,00 € Grundpreis" – source, retrieved 2022-05-03
  56. ↑ "0,00 Euro / Monat ab 3.000 Euro mtl. bargeldlosen Geldeingang" – source, retrieved 2022-05-04
  57. ↑ "Mit der Einzahlfunktion an vielen unserer Geldautomaten sind Sie nicht an Öffnungszeiten gebunden." – source, retrieved 2022-05-03
  58. ↑ "0,00 € Grundpreis" – source, retrieved 2022-05-03
  59. ↑ "You can add money to your Revolut account with a card in …" – source, retrieved 2022-05-03
  60. ↑ "Standard Free" – source, retrieved 2022-07-14
  61. ↑ "£4.99 or currency equivalent for standard delivery" – source, retrieved 2022-05-03
  62. ↑ "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
  63. ↑ "What is a fractional share?" – source, retrieved 2022-05-03
  64. ↑ "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
  65. ↑ "Bei einem monatlichen Gehaltseingang ab 600€ ist die Kontoführungsgebühr kostenlos." – source, retrieved 2022-05-04
  66. ↑ "Einzahlung (nur am Geldautomaten)" – source, retrieved 2022-05-03
  67. ↑ "Welches Depot passt zu mir?" – source, retrieved 2022-05-03
  68. ↑ "Tomorrow accounts / Now / €3 per month" – source, retrieved 2022-07-14
  69. ↑ "How can I deposit cash into my Tomorrow account?" – source, retrieved 2022-05-03
  70. ↑ "Currencies in free separate pockets: Up to 40 currencies / Up to 107 currencies" – source, retrieved 2022-05-03
  71. ↑ "we currently don’t support SWIFT transfers or any network other than SEPA in Euros." – source, retrieved 2022-05-03
  72. ↑ "Vivid Standard €0/month" – source, retrieved 2022-07-14
  73. ↑ "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
  74. ↑ "…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
  75. ↑ "Commission-free fractional investing with no limits / There are no commissions or trade limits." – source, retrieved 2022-05-03
  76. ↑ "You can keep 50+ currencies in your account." – source, retrieved 2022-05-03
  77. ↑ "Opening an account / Free" – source, retrieved 2022-07-14
  78. ↑ "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
  79. ↑ "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
  80. ↑ "Bank transfers in Switzerland and Liechtenstein in 13 currencies" – source, retrieved 2022-07-14
  81. ↑ "Zero custody fees." – source, retrieved 2022-07-14
  82. ↑ "Debit Card Cash Withdrawal in Switzerland / abroad" – source, retrieved 2022-07-14
  83. ↑ "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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