Editing Germany/Banking

{{DISPLAYTITLE:List of German Bank Accounts}}
== Frequently Asked Questions (FAQ) ==
=== When do I need a German bank account? ===

* when you have no account to receive and send EUR
* when you want to have standing orders (regular payments) and your current EUR account does not support them
* when you need a '''German''' account number (IBAN, staring with ''DE...''). Some business and authorities do still not accept non-German IBAN

=== How to open a German bank account? ===

Just pick one from the list below, or from one of the [[#Compare German bank accounts|comparisons]].

For creating an account, you will usually need:

* an ID or passport if you are from EU/EEA
* a passport if you are from outside EEA
* proof of residence is often '''not needed'''

== Lists of German Bank Accounts ==

* '''[https://tools.financeads.net/girokontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Comparison by FinanceAds]*'''
* '''[https://vergleiche.financequality.net/12857/22391/ Comparison by FinanceQuality]*'''

== More Banking Overviews ==
* [[/Business|List of German Business Bank Accounts]]
* [[/Students|List of German Student Bank Accounts]]
* [[/Savings|List of German Savings Accounts]]

* [[/Credit_cards|List of German Credit Cards]]

{{Affiliate}}
@@ Line 1: / Line 1: @@
-{{Head
+{{DISPLAYTITLE:List of German Bank Accounts}}
-|Banking in Germany
+== Frequently Asked Questions (FAQ) ==
-|Free, English, no Anmeldung
+=== When do I need a German bank account? ===
-|When living or doing business in Germany, a '''German Bank Account''' can be useful for receiving salary, paying rent & other spending. Find here an bank for your purpose.
-}}
-<div class="ul-list-style-none">
+* when you have no account to receive and send EUR
-* [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals
+* when you want to have standing orders (regular payments) and your current EUR account does not support them
-** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free banks (no monthly fees)</htmltag>
+* when you need a '''German''' account number (IBAN, staring with ''DE...''). Some business and authorities do still not accept non-German IBAN
-** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag>
-** <htmltag tagname="a" href="/Germany/Banking/Current#cash-withdrawals=free-own">Banks with free cash withdrawals</htmltag>
-** <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">Banks with no registered address (''Anmeldung'') required</htmltag>
-* [[/Business|Business Bank Accounts]]
-* [[/Students|Bank Accounts for Students]]
-** [[/Blocked|Blocked Accounts]] (''Sperrkonto'') for study or jobseeker visa application
-* [[/Savings|Savings Accounts]]
-* [[/Brokers|Brokers]]
-* [[/Credit_cards|Credit Cards]]
-</div>
-{{FAQ|
+=== How to open a German bank account? ===
-{{FAQ/Item|q= Do I need a German or a Euro bank account? |a=
-To pay rent and most bills or receive salary, you usually need an account that can '''send''' and '''receive [https://en.wikipedia.org/wiki/Single_Euro_Payments_Area SEPA transfers]''' in '''EUR'''.
+Just pick one from the list below, or from one of the [[#Compare German bank accounts|comparisons]].
-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.
+For creating an account, you will usually need:
-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 <htmltag tagname="a" href="/Germany/Banking/Current#iban=de">German account number</htmltag> is more convenient.
+* an ID or passport if you are from EU/EEA
+* a passport if you are from outside EEA
+* proof of residence is often '''not needed'''
-}}{{FAQ/Item|q= What do I need to open a German bank account? |a=
+== Lists of German Bank Accounts ==
-This varies from bank to bank. However, these things are common:
+* '''[https://tools.financeads.net/girokontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Comparison by FinanceAds]*'''
+* '''[https://vergleiche.financequality.net/12857/22391/ Comparison by FinanceQuality]*'''
-* You always need prove your identity, e.g. with a passport or national ID card.
+== More Banking Overviews ==
-* You often need give an address, so that the bank can send you a credit or debit card.
+* [[/Business|List of German Business Bank Accounts]]
-* Sometimes, you need to show your registration (''Anmeldung'')
+* [[/Students|List of German Student Bank Accounts]]
-* Some banks want to see your income and credit history. (E.g. {{AffLink|DKB|dkb}} is known to be picky.)
+* [[/Savings|List of German Savings Accounts]]
-}}{{FAQ/Item|q= Which type of bank account can I use as a freelancer? |a=
+* [[/Credit_cards|List of German Credit Cards]]
-To receive income from freelancing or your business, you usually need a [[/Business|business bank]]. Banks listed here are for individuals who want to receive their salary from being an employee, their scholarship or similar.
-}}{{FAQ/Item|q= Do I get interest on my money? |a=
+{{Affiliate}}
-On giro accounts in Germany, you usually do not get interests paid out. For such offers, check the [[/Savings|List of German Savings Accounts]].
-}}{{FAQ/Item|q= Which bank is the best for me? |a=
-A bank that
-* speaks <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">your language</htmltag>. There many offers with support in English or even more languages.
-* has <htmltag tagname="a" href="/Germany/Banking/Current#cash-withdrawals=free-own">free cash withdrawals</htmltag>. While nearly all supermarkets already allow card payments, you will still need to use cash at smaller shops, cafés, restaurants or food trucks.
-* has <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">no monthly fees</htmltag>. 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 <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">do not have an registered address (''Anmeldung'')</htmltag> yet, this can be difficult.
-}}
-}}
-{{Notes}}
-[[Category:Banking]]