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{{Head
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{{DISPLAYTITLE:List of German Bank Accounts}}
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|Banking in Germany
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When living in Germany, having a '''German Bank Account''' (or an account for Euros) can be very useful. Here's a list of them by features.
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|Free, English, no Anmeldung
 
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|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.
 
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}}
 
  
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<div class="ul-list-style-none">
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== Frequently Asked Questions (FAQ) ==
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* [[/Current|Current Bank Accounts]] (''Girokonto''): accounts for individuals
 
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** <htmltag tagname="a" href="/Germany/Banking/Current#monthly-fees=no">Free banks (no monthly fees)</htmltag>
 
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** <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">Banks with English support</htmltag>
 
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** <htmltag tagname="a" href="/Germany/Banking/Current#cash-withdrawals=free-own">Banks with free cash withdrawals</htmltag>
 
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** <htmltag tagname="a" href="/Germany/Banking/Current#no-registered-address=1">Banks with no registered address (''Anmeldung'') required</htmltag>
 
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* [[/Business|Business Bank Accounts]]
 
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* [[/Students|Bank Accounts for Students]]
 
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** [[/Blocked|Blocked Accounts]] (''Sperrkonto'') for study or jobseeker visa application
 
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* [[/Savings|Savings Accounts]]
 
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* [[/Brokers|Brokers]]
 
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* [[/Credit_cards|Credit Cards]]
 
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</div>
 
  
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{{FAQ|
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=== What is a German bank account? ===
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{{FAQ/Item|q= Do I need a German or a Euro bank account? |a=
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In this article, German bank account are accounts that have an account number ([https://en.wikipedia.org/wiki/International_Bank_Account_Number IBAN]) starting with ''DE…''.
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=== Do I need a German or a Euro bank account? ===
  
 
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'''.
 
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'''.
  
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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.
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So your bank account does not necessarily 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.
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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 German account is more convenient.
  
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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.
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== Lists of Private (Giro) Bank Accounts ==
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=== Bank Accounts With English Support ===
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* {{Link|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish
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* {{Link|Commerzbank|commerzbank}} (online banking)
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* {{Link|Deutsche Bank|deutsche-bank}}
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* {{Link|Insha|insha}}
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* {{Link|Lydia|lydia}}
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* {{Link|Monese|monese}}, speaks also: Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish
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* {{Link|N26|n26}}, speaks also: French, German, Italian, Spanish
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* {{Link|Nuri|nuri}}
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* {{Link|Revolut|revolut}}, speaks also: Bulgarian, Croatian, Czech, Danish, Dutch, Estonian, Finnish, French, German, Greek, Hungarian, Italian, Japanese, Latvian, Lithuanian, Norwegian, Polish, Portuguese, Romanian, Slovakian, Slovenian, Spanish, Swedish
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* {{Link|Tomorrow|tomorrow}}
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* {{Link|Vivid Money|vivid}}, speaks also: French, German, Italian, Spanish
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* {{Link|Wise|wise}}, speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
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* {{Link|Yuh|yuh}}
  
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}}{{FAQ/Item|q= What do I need to open a German bank account? |a=
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=== Bank Accounts With German Account Number (IBAN) ===
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* {{Link|1822direkt|1822direkt}}
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* {{Link|comdirect|comdirect}}
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* {{Link|DKB|dkb}}
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* {{Link|ING|ing}}
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* {{Link|N26|n26}}
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* {{Link|Norisbank|norisbank}}
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* {{Link|Nuri|nuri}}
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* {{Link|O2 Banking|o2banking}}
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* {{Link|Tomorrow|tomorrow}}
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* {{Link|Vivid Money|vivid}}
  
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This varies from bank to bank. However, these things are common:
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=== Bank Accounts Without Monthly Fees ===
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* {{Link|DKB|dkb}}
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* {{Link|Insha|insha}}
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* {{Link|Lydia|lydia}} ([https://lydia-app.com/products/plans free plan with limited features])
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* {{Link|Monese|monese}} ([https://monese.com/de/en/pricing Starter plan])
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* {{Link|N26|n26}}
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* {{Link|Nuri|nuri}}
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* {{Link|Revolut|revolut}}
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* {{Link|Vivid Money|vivid}}
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* {{Link|Wise|wise}}
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* {{Link|Yuh|yuh}}
  
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* You always need prove your identity, e.g. with a passport or national ID card.
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==== … if you receive money on it regularly ====
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* You often need give an address, so that the bank can send you a credit or debit card.
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* {{Link|1822direkt|1822direkt}} if you receive minimum €700 every month
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* Sometimes, you need to show your registration (''Anmeldung'')
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* {{Link|Commerzbank|commerzbank}} if you receive minimum €700 every month
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* Some banks want to see your income and credit history. (E.g. {{AffLink|DKB|dkb}} is known to be picky.)
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* {{Link|comdirect|comdirect}} if you receive minimum €700 every month
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* {{Link|ING|ing.giro}} if you receive minimum €700 every month
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* {{Link|Norisbank|norisbank}} if you receive minimum €500 every month
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* {{Link|O2 Banking|o2banking}} if you receive minimum €700 every month
  
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}}{{FAQ/Item|q= Which type of bank account can I use as a freelancer? |a=
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==== … for young people ====
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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.
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* {{Link|comdirect|comdirect}} if you are under 28
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* {{Link|ING|ing.giro}} if you are under 28
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* {{Link|Norisbank|norisbank}} if you are under 21
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* {{Link|O2 Banking|o2banking}} if you are under 28 and a student, apprentice or trainee
  
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}}{{FAQ/Item|q= Do I get interest on my money? |a=
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=== Bank Accounts With Signup Bonuses===
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On giro accounts in Germany, you usually do not get interests paid out. For such offers, check the [[/Savings|List of German Savings Accounts]].
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* {{Link|Vivid Money|vivid}}: €10 welcome bonus + up to €100 cashback
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* {{Link|Commerzbank|commerzbank}}: €50 welcome bonus ([https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie conditions])
  
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}}{{FAQ/Item|q= Which bank is the best for me? |a=
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== Comparisons of Bank Accounts ==
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These finance services compare current bank accounts on the market and let you filter the list by specific features:
  
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A bank that
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=== Private Bank Accounts (Giro) Compared ===
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* [https://tools.financeads.net/girokontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Private bank accounts compared by FinanceAds]*
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* [https://vergleiche.financequality.net/12857/22391/ Private bank accounts compared by FinanceQuality]*
  
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* speaks <htmltag tagname="a" href="/Germany/Banking/Current#languages=en">your language</htmltag>. There many offers with support in English or even more languages.
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=== Private Bank Accounts for Students Compared ===
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* 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.
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* [https://tools.financeads.net/studentenkontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Student bank accounts compared by FinanceAds].
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* 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.
 
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* 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.
 
  
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}}
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== More Banking Overviews ==
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}}
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* [[/Business|List of German Business Bank Accounts]]
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* [[/Students|List of German Student Bank Accounts]]
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* [[/Savings|List of German Savings Accounts]]
  
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{{Notes}}
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* [[/Credit_cards|List of German Credit Cards]]
  
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[[Category:Banking]]
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{{Affiliate}}

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