Difference between revisions of "Germany/Banking"

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(→‎Banks with Cash Deposits: Add references.)
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These banks allow you to top-up your account with cash.
 
These banks allow you to top-up your account with cash.
  
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* {{Link|1822direkt|1822direkt}}: free only at Frankfurter Sparkasse branches ([https://www.1822direkt.de/service/fragen-und-antworten/girokonto more info])
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* {{Link|1822direkt|1822direkt}}: free only at Frankfurter Sparkasse branches<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/service/fragen-und-antworten/girokonto|quote= Einzahlung von Bargeld / Bargeldeinzahlungen sind in Filialen der Frankfurter Sparkasse am Schalter und an den Einzahlautomaten für Sie kostenlos möglich.  }}</ref>
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* {{AffLink|Bunq|bunq}}: at shops with [[/Viacash|Viacash]] ([https://www.bunq.com/benefits/withdraw-deposit more info])
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* {{AffLink|Bunq|bunq}}: at shops with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://www.bunq.com/benefits/withdraw-deposit|quote=Withdraw and Deposit cash at more than 10,000 locations across Germany, Austria and Italy thanks to our partnership with Barzahlen.}}</ref>
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* {{AffLink|Consorsbank|consorsbank}}: minimum €1000, €7.50 fee ([https://wissen.consorsbank.de/t5/H%C3%A4ufige-Fragen/Wie-kann-ich-Bargeld-auf-mein-Girokonto-einzahlen/ta-p/111680 more info])
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* {{AffLink|Consorsbank|consorsbank}}: minimum €1000, €7.50 fee<ref>{{Cite|date=2022-05-03|url=https://wissen.consorsbank.de/t5/H%C3%A4ufige-Fragen/Wie-kann-ich-Bargeld-auf-mein-Girokonto-einzahlen/ta-p/111680|quote= Einzahlungen nur zwischen 1.000,00 Euro und 25.000,00 Euro. / Eine Einzahlung kostet 7,50 Euro je angefangene 5.000,00 Euro.  }}</ref>
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* {{AffLink|DKB|dkb}}:  shops with [[/Viacash|Viacash]]; at DKB ATMs & branches([https://bank.dkb.de/privatkunden/karten/bargeld more info])
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* {{AffLink|DKB|dkb}}:  shops with [[/Viacash|Viacash]]; at DKB ATMs & branches<ref>{{Cite|date=2022-05-03|url=https://bank.dkb.de/privatkunden/karten/bargeld|quote= So kannst du Bargeld einzahlen / An DKB-Geldautomaten / Mit Cash im Shop }}</ref>
 
* {{Link|Hypovereinsbank|hypovereinsbank}}: at their branches  
 
* {{Link|Hypovereinsbank|hypovereinsbank}}: at their branches  
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* {{Link|ING|ing.giro}}: for free at some of [https://www.ing.de/hilfe/geldautomatensuche/ ING's bank machines] ([https://www.ing.de/girokonto/kundenservice/ more info])
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* {{Link|ING|ing.giro}}: for free at some of [https://www.ing.de/hilfe/geldautomatensuche/ ING's bank machines]<ref>{{Cite|date=2022-05-03|url= https://www.ing.de/girokonto/kundenservice/ |quote= Kann ich auch Bargeld einzahlen? / Die Einzahlung von Bargeld (Scheine) ist auch an einigen unserer Geldautomaten möglich.}}</ref>
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* {{AffLink|N26|n26}}: at shops with [[/Viacash|Viacash]] ([https://n26.com/en-es/blog/cash26 more info])
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* {{AffLink|N26|n26}}: at shops with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://n26.com/en-de/cash26|quote=CASH26 is available at the following partner stores: REWE, Rossmann, Penny, Real, dm, BUDNI, Ludwig, Eckert, ON Express, Adam’s, Barbarino and mobilcom-debitel.}}</ref>
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* {{AffLink|Norisbank|norisbank}}: at Deutsche Bank cash deposit machines ([https://www.norisbank.de/service/kontakt-und-wissen/haeufige-fragen/faq-automaten.html more info])
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* {{AffLink|Norisbank|norisbank}}: at Deutsche Bank cash deposit machines<ref>{{Cite|date=2022-05-03|url=https://www.norisbank.de/service/kontakt-und-wissen/haeufige-fragen/faq-automaten.html|quote= Wie kann ich Bargeld auf mein Girokonto einzahlen? / Sie haben an Einzahlautomaten der Deutschen Bank die Möglichkeit, kostenlos Bargeld auf Ihr Konto einzuzahlen.}}</ref>
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* {{AffLink|Postbank|postbank}}: at Postbank bank machines without fees ([https://www.postbank.de/privatkunden/services/bargeld-und-automaten/transaktionen-am-geldautomaten/cash-recycler.html more info])
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* {{AffLink|Postbank|postbank}}: at Postbank bank machines without fees<ref>{{Cite|date=2022-05-03|url=https://www.postbank.de/privatkunden/services/bargeld-und-automaten/transaktionen-am-geldautomaten/cash-recycler.html|quote=Mit der Einzahlfunktion an vielen unserer Geldautomaten sind Sie nicht an Öffnungszeiten gebunden.}}</ref>
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* {{AffLink|Targobank|targobank}}: at shops with [[/Viacash|Viacash]]; at [https://www.targobank.de/de/filialen/geldautomatensuche/index.html Targobank machines]
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* {{AffLink|Targobank|targobank}}: at shops with [[/Viacash|Viacash]]; at [https://www.targobank.de/de/filialen/geldautomatensuche/index.html Targobank machines]<ref>{{Cite|date=2022-05-03|url=https://www.targobank.de/de/filialen/geldautomatensuche/index.html|quote=Einzahlung (nur am Geldautomaten)}}</ref>
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* {{AffLink|Tomorrow|tomorrow}} with [[/Viacash|Viacash]]
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* {{AffLink|Tomorrow|tomorrow}} with [[/Viacash|Viacash]]<ref>{{Cite|date=2022-05-03|url=https://support.tomorrow.one/en/support/solutions/articles/15000047298-how-can-i-deposit-cash-into-my-tomorrow-account-|quote=How can I deposit cash into my Tomorrow account?}}</ref>
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<div id="joint"/>
 
<div id="joint"/>

Revision as of 18:30, 3 May 2022

When living in Germany, having a German Bank Account (or a Euro currency account) can be useful. Here's a list of accounts for people having an address in Germany. For some banks, having a registered address is not necessary.

This article covers accounts for individuals, also called current account or giro account (Girokonto). The list may not be complete, so feel free to add missing banks.

For other account types, see

Frequently Asked Questions (FAQ)

What is a German bank account?

In this article, German bank account means an account that has an 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 SEPA transfers in EUR.

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 EU and EEA countries can do that.

However, some companies and authorities have problems using non-German account number (IBAN). This is illegal but it may happen. Then, a German account is more convenient.

Which type of bank account can I use as a freelancer?

To receive income from freelancing or your business, you usually need a business bank. Banks listed here are for individuals who want to receive their salary from being an employee, their scholarship or similar.

Do I get interest on my money?

On giro accounts in Germany, you usually do not get interests paid out. For such offers, check the List of German Savings Accounts.

What do I need to open a German bank account?

This varies from bank to bank. However, these things are common:

  • You always need prove your identity, e.g. with a passport or national ID card.
  • You often need give an address, so that the bank can send you a credit or debit card.
  • Sometimes, you need to show your registration (Anmeldung)
  • Some banks want to see your income and credit history. (E.g. DKB[1] is known to be picky.)

See also: Banks Recommended for Foreigners.

Which bank is the best for me?

A bank that

  • speaks your language. There many offers with support in English or even more languages.
  • has 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 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 don't have an registered address (Anmeldung) yet, this can be difficult.

See also: Banks Recommended for Foreigners.

Lists of Banks for Individuals (Girokonto)

Banks With English Support

  • Bunq[1], speaks also: Dutch, French, Italian, Portuguese, Spanish
  • Commerzbank[1] (online banking, after signup)
  • Deutsche Bank (online banking, after signup)
  • Insha
  • Lydia
  • Monese, speaks also: Bulgarian, Czech, German, Estonian, Spanish, French, Italian, Lithuanian, Polish, Portuguese, Romanian, Turkish
  • N26[1], speaks also: French, German, Italian, Spanish
  • Nuri[1]
  • 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
  • Tomorrow[1]
  • Vivid Money, speaks also: French, German, Italian, Spanish
  • Wise, speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
  • Yuh

Banks With German Account Number (IBAN)

Banks With No Monthly Fees

… if you receive money on it regularly

… for young people

Banks With Free Cash Withdrawals

… at bank machines worldwide

… at bank machines in €-zone / EEA

… at bank machines of the bank's network

…at shops

Banks with Cash Deposits

These banks allow you to top-up your account with cash.


Banks With Joint Accounts

Banks with joint accounts allow two or more people to own and access the same account. An alternative to this are shared pockets or group vaults where each customer has their own account but can create pockets/vaults that can be access by other users.

Banks For Children

Banks with joint accounts allow two or more people to own and access the same account. An alternative to this are shared pockets or group vaults where each customer has their own account but can create pockets/vaults that can be access by other users.

Banks With Multiple Currencies

Banks With A Broker

These accounts allow you to trade shares and funds / ETFs. The term in German is usually Depot.

See also: List of German (Online) Brokers.

Banks With Crypto Currencies

These accounts allow you to trade Bitcoin etc.

Banks With Bonuses

These accounts will pay you for signing up.

  • 1822direkt: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months (conditions)
  • Commerzbank[1] : €50 welcome bonus if you send or receive 5 payments per month of min. €25 (salary, providers etc.) and agree to sales calls (conditions)
  • Consorsbank[1]: €50 welcome bonus if you receive 3 payments of min. €700 within the first 6 months (more info)
  • Norisbank[1]: €50 welcome bonus if you use their account switching service (more info)
  • Vivid Money: €40 in cashback, if you
    • make 3 in-store card payments of at least €10 each
    • on 3 different days
    • within 90 days of opening your account.

Comparisons of Banks

These finance services compare current bank account options on the market and let you filter the list by specific features:

Banks for Individuals Compared

Banks for Students Compared

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