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− | {{ | + | {{DISPLAYTITLE:List of Bank Accounts in Germany (+FAQ)}} |
− | + | When living in Germany, having a '''German Bank Account''' (or a Euro account) can be useful. Here's a list of accounts for people having an address in Germany. For some banks, having a [[#Bank_Accounts_Recommended_for_Foreigners|registered address is not necessary]]. | |
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− | + | This article covers '''accounts for individuals''', also called '''current account''' or '''giro account''' (''Girokonto''). | |
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− | + | For other account types, see | |
− | + | ||
+ | * [[/Business|List of German Business Bank Accounts]] | ||
+ | * [[/Savings|List of German Savings Accounts]] | ||
+ | * [[/Credit_cards|List of German Credit Cards]] | ||
+ | |||
+ | == Frequently Asked Questions (FAQ) == | ||
+ | |||
+ | === What is a German bank account? === | ||
+ | |||
+ | 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…''. | ||
+ | |||
+ | === 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'''. | ||
− | So your bank account does not | + | 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. |
+ | |||
+ | 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. | ||
+ | |||
+ | === Which bank account can I use for my freelancing? === | ||
+ | To receive income from freelancing or your business, you usually need a [[/Business|business bank account]]. Regular bank accounts listed here are for individuals who want to receive their salary from being an employee, their scholarship or similar. | ||
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+ | === Do I get interest on my money? === | ||
+ | On giro accounts in Germany, you usually do not get interests paid out. For such offers, check [[/Savings|List of German Savings Accounts]]. | ||
+ | |||
+ | == Lists of (Giro) Bank Accounts for Individuals == | ||
+ | === Bank Accounts With English Support === | ||
+ | * {{Link|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish | ||
+ | * {{Link|Commerzbank|commerzbank}} (online banking, after signup) | ||
+ | * {{Link|Deutsche Bank|deutsche-bank}} (online banking, after signup) | ||
+ | * {{Link|Insha|insha}} | ||
+ | * {{Link|Lydia|lydia}} | ||
+ | * {{Link|Monese|monese}}, speaks also: Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish | ||
+ | * {{Link|N26|n26}}, speaks also: French, German, Italian, Spanish | ||
+ | * {{Link|Nuri|nuri}} | ||
+ | * {{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 | ||
+ | * {{Link|Tomorrow|tomorrow}} | ||
+ | * {{Link|Vivid Money|vivid}}, speaks also: French, German, Italian, Spanish | ||
+ | * {{Link|Wise|wise}}, speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish | ||
+ | * {{Link|Yuh|yuh}} | ||
+ | |||
+ | === Bank Accounts With German Account Number (IBAN) === | ||
+ | * {{Link|1822direkt|1822direkt}} | ||
+ | * {{Link|comdirect|comdirect}} | ||
+ | * {{Link|DKB|dkb}} | ||
+ | * {{Link|ING|ing.giro}} | ||
+ | * {{Link|N26|n26}} | ||
+ | * {{Link|Norisbank|norisbank}} | ||
+ | * {{Link|Nuri|nuri}} | ||
+ | * {{Link|O2 Banking|o2banking}} | ||
+ | * {{Link|Tomorrow|tomorrow}} | ||
+ | * {{Link|Vivid Money|vivid}} | ||
+ | |||
+ | === Bank Accounts With No Monthly Fees === | ||
+ | * {{Link|DKB|dkb}} | ||
+ | * {{Link|Insha|insha}} | ||
+ | * {{Link|Lydia|lydia}} ([https://lydia-app.com/products/plans free plan with limited features]) | ||
+ | * {{Link|Monese|monese}} ([https://monese.com/de/en/pricing Starter plan]) | ||
+ | * {{Link|N26|n26}} | ||
+ | * {{Link|Nuri|nuri}} | ||
+ | * {{Link|Revolut|revolut}} | ||
+ | * {{Link|Vivid Money|vivid}} | ||
+ | * {{Link|Wise|wise}} | ||
+ | * {{Link|Yuh|yuh}} | ||
+ | |||
+ | ==== … if you receive money on it regularly ==== | ||
+ | * {{Link|1822direkt|1822direkt}} if you receive minimum €700 every month | ||
+ | * {{Link|Commerzbank|commerzbank}} if you receive minimum €700 every month | ||
+ | * {{Link|comdirect|comdirect}} if you receive minimum €700 every month | ||
+ | * {{Link|ING|ing.giro}} if you receive minimum €700 every month | ||
+ | * {{Link|Norisbank|norisbank}} if you receive minimum €500 every month | ||
+ | * {{Link|O2 Banking|o2banking}} if you receive minimum €700 every month | ||
− | + | ==== … for young people ==== | |
+ | * {{Link|comdirect|comdirect}} if you are under 28 | ||
+ | * {{Link|ING|ing.giro}} if you are under 28 | ||
+ | * {{Link|Norisbank|norisbank}} if you are under 21 | ||
+ | * {{Link|O2 Banking|o2banking}} if you are under 28 and a student, apprentice or trainee | ||
− | }}{{ | + | === Bank Accounts With Signup Bonuses=== |
+ | * {{Link|Vivid Money|vivid}}: €10 welcome bonus + up to €100 cashback | ||
+ | * {{Link|Commerzbank|commerzbank}}: €50 welcome bonus ([https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie conditions]) | ||
− | + | == Comparisons of Bank Accounts == | |
+ | These finance services compare current bank accounts on the market and let you filter the list by specific features: | ||
− | * | + | === Bank Accounts for Individuals Compared === |
− | + | * [https://tools.financeads.net/girokontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Accounts compared by FinanceAds]* | |
− | * | + | * [https://vergleiche.financequality.net/12857/22391/ Accounts compared by FinanceQuality]* |
− | * | ||
− | + | === Bank Accounts for Students Compared === | |
− | + | * [https://tools.financeads.net/studentenkontorechner.php?tp=dif&wf=35819&ntpl=responsive&h=1 Student bank accounts compared by FinanceAds]. | |
− | + | == Bank Accounts Recommended for Foreigners == | |
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− | + | All listed banks also accept non-Germans. But some make it easier than others. | |
− | + | Bank accounts suitable for expats: | |
− | * | + | * have support in English (or even more languages) |
− | * | + | * do not require you to have a registered address (''Anmeldung'') |
− | + | * accept many foreign passports and identity cards for opening | |
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− | + | '''Recommended bank accounts for expats''' are: | |
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− | {{ | + | * {{Link|Vivid Money|vivid}}: German account number (IBAN), [https://help.vivid.money/en/articles/4966559-which-documents-can-i-use-to-confirm-my-identity accepts many passports / identity documents] |
+ | * {{Link|Revolut|revolut}}: [https://www.revolut.com/help/profile-plan/verifying-identity/what-countries-are-supported accepts many passports / identity documents] | ||
+ | * {{Link|Wise|wise}}: [https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity accepted documents], they initially do not ask for your address [https://wise.com/help/articles/2949804/how-does-wise-verify-my-address but might later] | ||
− | + | {{Affiliate}} |