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{{Head | {{Head | ||
− | | | + | |Bank Accounts in Germany |
|Free, English, no Anmeldung | |Free, English, no Anmeldung | ||
− | |When living or doing business in Germany, a '''German Bank Account''' can be useful for receiving salary, paying rent & other spending. | + | |When living or doing business in Germany, a '''German Bank Account''' can be useful for receiving salary, paying rent & other spending. Here is a list of account offers by their features. |
}} | }} | ||
<div class="ul-list-style-none"> | <div class="ul-list-style-none"> | ||
* [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals | * [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals | ||
− | ** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free | + | ** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free Banks (no monthly fees)</htmltag> |
** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag> | ** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag> | ||
− | |||
** <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">Banks with no registered address (''Anmeldung'') required</htmltag> | ** <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">Banks with no registered address (''Anmeldung'') required</htmltag> | ||
* [[/Business|Business Bank Accounts]] | * [[/Business|Business Bank Accounts]] | ||
* [[/Students|Bank Accounts for Students]] | * [[/Students|Bank Accounts for Students]] | ||
− | |||
* [[/Savings|Savings Accounts]] | * [[/Savings|Savings Accounts]] | ||
+ | * [[/Credit_cards|Credit Cards]] | ||
* [[/Brokers|Brokers]] | * [[/Brokers|Brokers]] | ||
− | |||
</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. | ||
− | 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 | + | 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. |
}}{{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.) | ||
+ | |||
+ | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]]. | ||
}}{{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 | ||
− | * speaks | + | * speaks [[#Banks_With_English_Support|your language]]. There many offers with support in English or even more languages. |
− | * has | + | * 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 | + | * 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. |
− | * lets you sign up with our documents. If you | + | * 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. |
+ | See also: [[#Banks Recommended for Foreigners|Banks Recommended for Foreigners]]. | ||
}} | }} | ||
}} | }} |