Current Bank Accounts in Germany

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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