Difference between revisions of "Germany/Banking"

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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 [[#Banks_With_German_Account_Number_.28IBAN.29|German account]] is more convenient.
 
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.
  
−
=== Which type of bank account can I use for my freelancing? ===
+
=== Which type of bank account can I use as a freelancer? ===
 
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.
 
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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=== Banks With English Support ===
 
=== Banks With English Support ===
 
* {{AffLink|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish
 
* {{AffLink|Bunq|bunq}}, speaks also: Dutch, French, Italian, Portuguese, Spanish
−
* {{AffLink|Commerzbank|commerzbank}} (online banking, after signup)
+
* {{AffLink|Commerzbank|commerzbank}} (online banking, after signup)
 
* {{Link|Deutsche Bank|deutsche-bank}} (online banking, after signup)
 
* {{Link|Deutsche Bank|deutsche-bank}} (online banking, after signup)
 
* {{Link|Insha|insha}}
 
* {{Link|Insha|insha}}
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* {{AffLink|Tomorrow|tomorrow}}
 
* {{AffLink|Tomorrow|tomorrow}}
 
* [[Vivid Money]], speaks also: French, German, Italian, Spanish
 
* [[Vivid Money]], speaks also: French, German, Italian, Spanish
−
* {{AffLink|Wise|wise}}, speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
+
* [[Wise]], speaks also: Chinese, French, Hungarian, Indonesian, Italian, Japanese, Polish, Portuguese, Romanian, Russian, Spanish, Turkish
 
* {{Link|Yuh|yuh}}
 
* {{Link|Yuh|yuh}}
  
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* {{AffLink|DKB|dkb}}
 
* {{AffLink|DKB|dkb}}
 
* {{Link|Insha|insha}}
 
* {{Link|Insha|insha}}
−
* {{Link|Lydia|lydia}} ([https://lydia-app.com/products/plans free plan with limited features])
+
* {{Link|Lydia|lydia}} <ref>{{Cite|date=2022-04-30|quote=Lydia 0 €|url=https://lydia-app.com/products/plans}}</ref>
−
* {{Link|Hypovereinsbank|hypovereinsbank}}: free in the first 5 years
+
* {{Link|Hypovereinsbank|hypovereinsbank}}: <ref>{{Cite|date=2022-04-30|quote=HVB Plus account € 0,00 for new customers for 5 years, thereafter € 9.90 per month.|url=https://www.hypovereinsbank.de/hvb/privatkunden/banking-im-alltag/girokonten}}</ref>
−
* {{Link|Monese|monese}} ([https://monese.com/de/en/pricing Starter plan])
+
* {{Link|Monese|monese}} <ref>{{Cite|date=2022-04-30|quote=Starter €0/month|url=https://monese.com/de/en/pricing}}</ref>
 
* {{AffLink|N26|n26}}
 
* {{AffLink|N26|n26}}
 
* {{AffLink|Nuri|nuri}}
 
* {{AffLink|Nuri|nuri}}
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* {{Link|Revolut|revolut}}
 
* {{Link|Revolut|revolut}}
 
* [[Vivid Money]]
 
* [[Vivid Money]]
−
* {{AffLink|Wise|wise}}
+
* [[Wise]]
 
* {{Link|Yuh|yuh}}
 
* {{Link|Yuh|yuh}}
  
 
==== … if you receive money on it regularly ====
 
==== … if you receive money on it regularly ====
−
* {{Link|1822direkt|1822direkt}}: if you receive minimum €700 every month
+
* {{Link|1822direkt|1822direkt}}: if you receive minimum €0.01 every month <ref>{{Cite|date=2022-05-04|url= https://www.1822direkt.de/girokonto/1822mobile/ |quote= Kostenlose Kontoführung ab einem monatlichen Geldeingang von 0,01 € }}</ref>
−
* {{AffLink|Consorsbank|consorsbank}}: if you receive minimum €700 every month
+
* {{AffLink|Consorsbank|consorsbank}}: if you receive minimum €700 every month<ref>{{Cite|date=2022-05-04|url= https://aktionen.consorsbank.de/ev/girokonto/ |quote= Kostenloses Girokonto / bei monatlichem Geldeingang ab 700 Euro oder für alle unter 28 Jahren }}</ref>
−
* {{AffLink|Commerzbank|commerzbank}} " if you receive minimum €700 every month
+
* {{AffLink|Commerzbank|commerzbank}} if you receive minimum €700 every month
−
* {{AffLink|comdirect|comdirect}}" if you receive minimum €700 every month
+
* {{AffLink|comdirect|comdirect}}" if you receive minimum €700 every month<ref>{{Cite|date=2022-05-04|url= https://www.comdirect.de/cms/lp/giro_aff_NKM_xsk.html?ci=000000000000000TL0000000500080& |quote= Anschließend bleibt das Girokonto kostenlos bei 700 Euro monatlichem Mindestgeldeingang }}</ref>
−
* {{Link|ING|ing.giro}}: if you receive minimum €700 every month  
+
* {{Link|ING|ing.giro}}: if you receive minimum €700 every month<ref>{{Cite|date=2022-05-04|url= https://www.ing.de/girokonto/ |quote= Bei einem monatlichen Gehaltseingang von 700 Euro /  z.B. durch Ihr Gehalt, Ihre Rente oder Pension.  }}</ref>
−
* {{AffLink|Norisbank|norisbank}}: if you receive minimum €500 every month
+
* {{AffLink|Norisbank|norisbank}}: if you receive minimum €500 every month & hold less than €50,000<ref>{{Cite|date=2022-05-04|url= https://www.norisbank.de/girokonto/produkte/mobile-top-girokonto.html |quote= Kostenlose Kontoführung / ab 500 Euro Geldeingang pro Monat und einem Guthabenbis zu 50.000 Euro }}</ref>
−
* {{AffLink|Postbank|postbank}}: if you receive minimum €3000 every month
+
* {{AffLink|Postbank Giro extra plus|postbank.giro.extra-plus}}: if you receive minimum €3000 every month<ref>{{Cite|date=2022-05-04|url= https://www.postbank.de/privatkunden/produkte/konten-karten/girokonten/giro-extra-plus.html |quote= 0,00 Euro / Monat ab 3.000 Euro mtl. bargeldlosen Geldeingang }}</ref>
−
* {{AffLink|Targobank|targobank}}: if you receive minimum €600 every month
+
* {{AffLink|Targobank|targobank}}: if you receive minimum €600 every month<ref>{{Cite|date=2022-05-04|url= https://www.targobank.de/de/konto-karten/online-konto.html |quote= Bei einem monatlichen Gehaltseingang ab 600€ ist die Kontoführungsgebühr kostenlos.  }}</ref>
  
 
==== … for young people ====
 
==== … for young people ====
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==== … at bank machines worldwide ====
 
==== … at bank machines worldwide ====
−
* {{AffLink|Bunq|bunq}}: [https://www.bunq.com/pricing-sheet 4 per month are free]
+
* {{AffLink|Bunq|bunq}}: 4 withdrawals per month are free<ref>{{Cite|date=2022-05-03|url=https://www.bunq.com/pricing-sheet|quote=First four withdrawals per month are free, the five after are €0.99. Thereafter, €2.99 per withdrawal}}</ref>
−
* {{AffLink|DKB|dkb}}: [https://bank.dkb.de/privatkunden/karten/bargeld minimum €50 per withdrawal]
+
* {{AffLink|DKB|dkb}}: minimum €50 per withdrawal<ref>{{Cite|date=2022-05-03|url=https://bank.dkb.de/privatkunden/karten/bargeld|quote=Mit der Visa Debitkarte oder Visa Kreditkarte hebst du weltweit an Automaten mit dem Visa-Logo zwischen 50 und 1.000 Euro ab. Im Inland kannst du an vielen Automaten mit der Girokarte Bargeld abheben.}}</ref>
−
* {{AffLink|Nuri|nuri}}: [https://nuri.com/uploads/Pricing_Nuri_df406ebc86.pdf more info]
+
* {{AffLink|Nuri|nuri}}: unlimited free withdrawals<ref>{{Cite|date=2022-05-03|url=https://support.nuri.com/hc/en-gb/articles/4412448572562-What-is-the-cost-of-an-ATM-withdrawal-|quote=Nuri does not charge fees for ATM withdrawals.}}</ref>
−
* {{Link|Revolut|revolut}}: [https://www.revolut.com/help/making-payments/withdrawing-cash/does-revolut-charge-for-cash-withdrawal 200 EUR / 5 per month are free]
+
* {{Link|Revolut|revolut}}: 200 EUR / 5 per month are free<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/making-payments/withdrawing-cash/does-revolut-charge-for-cash-withdrawal|quote=Standard plan users can withdraw a total of £200, or make a total of 5 ATM withdrawals (whatever comes first).}}</ref>
−
* {{AffLink|Wise|wise}}: [https://wise.com/help/articles/2935769/how-much-does-it-cost-to-withdraw-cash 200 EUR / 2 per month are free]
+
* [[Wise]]: 200 EUR / 2 per month are free<ref>{{Cite|date=2022-05-03|url=https://wise.com/help/articles/2935769/how-much-does-it-cost-to-withdraw-cash|quote=You can take out money for free twice a month — as long as the total amount is under 200 GBP/EUR.}}</ref>
  
 
==== … at bank machines in €-zone / [https://en.wikipedia.org/wiki/European_Economic_Area EEA] ====
 
==== … at bank machines in €-zone / [https://en.wikipedia.org/wiki/European_Economic_Area EEA] ====
 
* {{AffLink|Consorsbank|consorsbank}}
 
* {{AffLink|Consorsbank|consorsbank}}
 
* {{Link|Hypovereinsbank|hypovereinsbank}}: at UniCredit banks in 13 EU countries
 
* {{Link|Hypovereinsbank|hypovereinsbank}}: at UniCredit banks in 13 EU countries
−
* {{Link|Insha|insha}} [https://files.getinsha.com/uploads/new-pricing/insha_pricing_EN-copy-2.pdf 2 free withdrawals per month]
+
* {{Link|Insha|insha}} 2 free withdrawals per month<ref>{{Cite|date=2022-05-03|url=https://files.getinsha.com/uploads/T-C/Pricing_sb_.pdf|quote=First 3 withdrawals in Germany € 0}}</ref>
−
* {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs ([https://www.openbank.de/kostenlos-geld-abheben more info])
+
* {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs<ref name="openbank-cash-withdrawal">{{Cite|date=2022-05-03|url=https://www.openbank.de/kostenlos-geld-abheben|quote=Mit deiner Debitkarte kannst du 5 mal pro Monat kostenlos Geld an jedem beliebigen Geldautomaten der Welt abheben.}}</ref>
  
 
==== … at bank machines of the bank's network ====
 
==== … at bank machines of the bank's network ====
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* {{Link|Hypovereinsbank|hypovereinsbank}}: unlimited at [http://www.cashgroup.de/ Cash Group] bank machines  
 
* {{Link|Hypovereinsbank|hypovereinsbank}}: unlimited at [http://www.cashgroup.de/ Cash Group] bank machines  
 
* {{AffLink|Norisbank|norisbank}}: at [http://www.cashgroup.de/ Cash Group] bank machines
 
* {{AffLink|Norisbank|norisbank}}: at [http://www.cashgroup.de/ Cash Group] bank machines
−
* {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs ([https://www.openbank.de/kostenlos-geld-abheben more info])
+
* {{Link|Openbank|openbank}}: 5 withdrawals free per month in €-zone or worldwide at Santander ATMs<ref name="openbank-cash-withdrawal"/>
 
* {{AffLink|Postbank|postbank}}: at Postbank and [http://www.cashgroup.de/ Cash Group] bank machines
 
* {{AffLink|Postbank|postbank}}: at Postbank and [http://www.cashgroup.de/ Cash Group] bank machines
 
* {{AffLink|Targobank|targobank}}: at [https://www.cashpool.de/ CashPool] bank machines
 
* {{AffLink|Targobank|targobank}}: at [https://www.cashpool.de/ CashPool] bank machines
Line 157: Line 157:
  
 
<div id="cash_deposits"/>
 
<div id="cash_deposits"/>
 +
 
=== Banks with Cash Deposits ===
 
=== Banks with Cash Deposits ===
  
 
These banks allow you to top-up your account with cash.
 
These banks allow you to top-up your account with cash.
  
−
* {{Link|1822direkt|1822direkt}}: free only at Frankfurter Sparkasse branches ([https://www.1822direkt.de/service/fragen-und-antworten/girokonto more info])
+
* {{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>
−
* {{AffLink|Bunq|bunq}}: at shops with [[/Viacash|Viacash]] ([https://www.bunq.com/benefits/withdraw-deposit more info])
+
* {{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>
−
* {{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])
+
* {{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>
−
* {{AffLink|DKB|dkb}}: shops with [[/Viacash|Viacash]]; at DKB ATMs & branches([https://bank.dkb.de/privatkunden/karten/bargeld more info])
+
* {{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  
−
* {{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])
+
* {{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>
−
* {{AffLink|N26|n26}}: at shops with [[/Viacash|Viacash]] ([https://n26.com/en-es/blog/cash26 more info])
+
* {{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: …}}</ref>
−
* {{AffLink|Norisbank|norisbank}}: at Deutsche Bank cash deposit machines ([https://www.norisbank.de/service/kontakt-und-wissen/haeufige-fragen/faq-automaten.html more info])
+
* {{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>
−
* {{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])
+
* {{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>
−
* {{AffLink|Targobank|targobank}}: at shops with [[/Viacash|Viacash]]; at [https://www.targobank.de/de/filialen/geldautomatensuche/index.html Targobank machines]
+
* {{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>
−
* {{AffLink|Tomorrow|tomorrow}} with [[/Viacash|Viacash]]
+
* {{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>
  
 
<div id="joint"/>
 
<div id="joint"/>
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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 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.
  
−
* {{Link|Revolut|revolut}}: offers [https://www.revolut.com/en-DE/help/wealth/vaults/group-vaults/how-do-i-manage-a-group-vault group vaults]
+
* {{Link|Revolut|revolut}}: offers group vaults<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/en-DE/help/wealth/vaults/group-vaults/what-is-a-group-vault|quote=What is a Group Vault?}}</ref>
−
* [[Vivid Money]]: offers [https://help.vivid.money/en/articles/4453269-what-is-a-shared-pocket shared pockets] ([https://press.vivid.money/tpost/n3h3brfnj1-vivid-money-introduces-shared-pockets-ev more info])
+
* [[Vivid Money]]: offers shared pockets<ref>{{Cite|date=2022-05-03|url=https://press.vivid.money/tpost/n3h3brfnj1-vivid-money-introduces-shared-pockets-ev|quote=Each Vivid customer invited to a Pocket can connect both their own physical metal card and virtual Visa debit cards to Shared Pockets and make payments directly from them - no extra cards are required}}</ref>
 +
<div id="children"/>
  
−
<div id="children"/>
 
 
=== Banks For Children ===
 
=== Banks For Children ===
  
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=== Banks With Multiple Currencies ===
 
=== Banks With Multiple Currencies ===
  
−
* {{AffLink|Bunq|bunq}}: [https://together.bunq.com/d/45414-local-currencies/4 more info]
+
* {{AffLink|Bunq|bunq}}: offers USB, GBP, CHF, PLN, BGN, DLL, SEK, CAD, TRL, CZK, RON, AED, AUD NOK, ZAR<ref>{{Cite|date=2022-05-03|url=https://together.bunq.com/d/45414-local-currencies/9|quote=Receive, convert, hold and spend in your favorite currency …}}</ref>
−
* {{Link|Lydia|lydia}}: [https://support.lydia-app.com/l/en/article/acvagom7kq-accepted-currencies EUR & GBP]
+
* {{Link|Lydia|lydia}}: offers EUR & GBP<ref>{{Cite|date=2022-05-03|url=https://support.lydia-app.com/l/en/article/acvagom7kq-accepted-currencies|quote=Two currencies are currently supported by Lydia accounts: you can send/receive either Euros (€) or Pounds Sterling (£).}}</ref>
−
* {{Link|Monese|monese}}: EUR, GBP and RON (RON [https://monese.com/gr/de/blog/ron-accounts only with Romanian ID]
+
* {{Link|Monese|monese}}: EUR, GBP and RON
−
* {{Link|Revolut|revolut}}: [https://www.revolut.com/help/adding-money/with-card/what-cards-and-currencies-are-supported AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, NOK, PLN, RON, SEK, USD, ZAR]
+
** GBP only when living in the UK<ref>{{Cite|date=2022-05-03|url=https://support.monese.com/hc/en-gb/articles/360018666299-I-live-in-the-EEA-why-can-t-I-open-a-GBP-account-|quote=From Jan 1st 2021 we are temporarily suspending the creation of GBP accounts for customers outside of the UK}}</ref>
−
* [[Vivid Money]]: [https://help.vivid.money/en/articles/4692421-which-currencies-can-i-have-on-my-vivid-money-account up to 105 currencies], but can be topped up [https://help.vivid.money/en/articles/4970992-how-can-i-transfer-money only in EUR]
+
** RON only with Romanian ID <ref>{{Cite|date=2022-05-03|url=https://monese.com/gr/de/blog/ron-accounts|quote=If you've got a Romania-issued ID, you can now open a new RON currency account, with a fully local Romanian account number (IBAN) and a RON debit card!}}</ref>
−
* {{AffLink|Wise|wise}}: [https://wise.com/help/articles/2897238/which-currencies-can-i-add-keep-and-receive-in-my-wise-account 50+ currencies]
+
* {{Link|Revolut|revolut}}: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, NOK, PLN, RON, SEK, USD, ZAR<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/adding-money/with-card/what-cards-and-currencies-are-supported|quote=You can add money to your Revolut account with a card in …}}</ref>
−
* {{Link|Yuh|yuh}}: [https://www.yuh.com/en/pricing CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD]
+
* [[Vivid Money]]: up to 100+ currencies<ref>{{Cite|url=https://vivid.money/en-eu/compare/|date=2022-05-03|quote=Currencies in free separate pockets: Up to 40 currencies / Up to 107 currencies}}</ref>, but can be topped up only in EUR<ref>{{Cite|date=2022-05-03|url=https://expatwiki.org/index.php?title=Vivid_Money&action=edit&section=12|quote=we currently don’t support SWIFT transfers or any network other than SEPA in Euros.}}</ref>
 +
* [[Wise]]: 50+ currencies<ref>{{Cite|date=2022-05-03|url=https://wise.com/help/articles/2897238/which-currencies-can-i-add-keep-and-receive-in-my-wise-account|quote=You can keep 50+ currencies in your account.}}</ref>
 +
* {{Link|Yuh|yuh}}: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/pricing|quote=Bank transfers in Switzerland in 13 currencies}}</ref>
  
 
<div id="broker"/>
 
<div id="broker"/>
 +
 
=== Banks With A Broker ===
 
=== Banks With A Broker ===
 
These accounts allow you to trade shares and funds / ETFs. The term in German is usually ''Depot''.
 
These accounts allow you to trade shares and funds / ETFs. The term in German is usually ''Depot''.
Line 207: Line 211:
 
See also: [[/Brokers|List of German (Online) Brokers]].
 
See also: [[/Brokers|List of German (Online) Brokers]].
  
−
* {{Link|1822direkt|1822direkt}}: [https://www.1822direkt.de/anlegen-depot/wertpapierdepot/ more info]
+
* {{Link|1822direkt|1822direkt}}: free for the first 3 years<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/anlegen-depot/wertpapierdepot/|quote=Kostenloses Depot für 3 Jahre* / Bereits ab 0,00 € handeln*}}</ref>
−
* {{AffLink|Commerzbank|commerzbank}} : [https://www.commerzbank.de/portal/de/privatkunden/sparen-anlegen/produkte/depotmodelle/depot-eroeffnen/depot-eroeffnen.html more info]
+
* {{AffLink|Commerzbank|commerzbank}}: free if you make at least one paid transaction per quarter <ref>{{Cite|date=2022-05-03|url=https://www.commerzbank.de/portal/de/privatkunden/sparen-anlegen/produkte/depotmodelle/depot-eroeffnen/depot-eroeffnen.html|quote=Die Depotführung ist kostenlos, sofern mindestens eine gebührenpflichtige Transaktion pro Quartal ausgeführt wird.}}</ref>
−
* {{AffLink|comdirect|comdirect}} [https://www.comdirect.de/depot/comdirect-depot.html more info]
+
* {{AffLink|comdirect|comdirect}}: free for the first 3 years<ref>{{Cite|date=2022-05-03|url=https://www.comdirect.de/depot/comdirect-depot.html|quote=Kostenlose Depotführung2: garantiert für volle 3 Jahre}}</ref>
−
* {{AffLink|Consorsbank|consorsbank}}: [https://www.consorsbank.de/ev/Wertpapierhandel/Depot-Software/Wertpapierdepot more info]
+
* {{AffLink|Consorsbank|consorsbank}}: free <ref>{{Cite|date=2022-05-03|url=https://www.consorsbank.de/ev/Wertpapierhandel/Depot-Software/Wertpapierdepot|quote=kostenlose Depotführung}}</ref>
−
* {{AffLink|DKB|dkb}}: [https://www.dkb.de/privatkunden/broker/ more info]
+
* {{AffLink|DKB|dkb}}: free, orders from €10 <ref>{{Cite|date=2022-05-03|url=https://www.dkb.de/privatkunden/broker/|quote=kostenloses Depot und Verrechnungskonto / günstige Orders ab 10 Euro}}</ref>
−
* {{Link|Hypovereinsbank|hypovereinsbank}}: [https://www.hypovereinsbank.de/hvb/privatkunden/geldanlage/depotmodelle more info]
+
* {{Link|Hypovereinsbank|hypovereinsbank}}: 3 different offers<ref>{{Cite|date=2022-05-03|url=https://www.hypovereinsbank.de/hvb/privatkunden/geldanlage/depotmodelle|quote=Welches Depot für welchen Anlagetyp?}}</ref>
−
* {{Link|ING|ing.giro}}: [https://www.ing.de/sparen-anlegen/direkt-depot/ more info]
+
* {{Link|ING|ing.giro}}: free, savings plans from €1<ref>{{Cite|date=2022-05-03|url=https://www.ing.de/sparen-anlegen/direkt-depot/|quote=Kostenlose Depotführung / Wertpapier-Sparpläne ab 1 Euro}}</ref>
−
* {{AffLink|Norisbank|norisbank}}: [https://www.norisbank.de/geldanlage/wertpapiere/depot.html more info]
+
* {{AffLink|Norisbank|norisbank}}: free<ref>{{Cite|date=2022-05-03|url=https://www.norisbank.de/geldanlage/wertpapiere/depot.html|quote=0,– Euro Depotführungsgebühren}}</ref>
−
* {{Link|Openbank|openbank}}: [https://www.openbank.de/aktien-kaufen more info]
+
* {{Link|Openbank|openbank}}: fee 0.16%, minimum €12 per year<ref>{{Cite|date=2022-05-03|url=https://www.openbank.es/assets/static/de/pdf/Investments/Brokerage_Gebuehren_kurz_DE.pdf|quote=An Aktienmärkten handelbare Wertpapiere / 0,16% / 12,00 €}}</ref>
−
* {{AffLink|Postbank|postbank}}: [https://www.postbank.de/privatkunden/produkte/wertpapiere-sparen/wertpapiere/depot-eroeffnen.html more info]
+
* {{AffLink|Postbank|postbank}}: free<ref>{{Cite|date=2022-05-03|url=https://www.postbank.de/privatkunden/produkte/wertpapiere-sparen/wertpapiere/depot-eroeffnen.html|quote=0,00 € Grundpreis}}</ref>
−
* {{Link|Revolut|revolut}}: [https://www.revolut.com/help/wealth/stocks more info]
+
* {{Link|Revolut|revolut}}: free, fractional shares <ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/wealth/stocks|quote=What is a fractional share?}}</ref>
−
* {{AffLink|Targobank|targobank}}: [https://www.targobank.de/de/vermoegen/depot-modelle.html more info]
+
* {{AffLink|Targobank|targobank}}: 4 different models<ref>{{Cite|date=2022-05-03|url=https://www.targobank.de/de/vermoegen/depot-modelle.html|quote=Welches Depot passt zu mir?}}</ref>
−
* [[Vivid Money]]: [https://vivid.money/en-eu/investments/ more info]
+
* [[Vivid Money]]: free, fractional shares<ref>{{Cite|date=2022-05-03|url=https://vivid.money/en-eu/investments/stocks/|quote=Commission-free fractional investing with no limits / There are no commissions or trade limits.}}</ref>
−
* {{Link|Yuh|yuh}}: [https://www.yuh.com/en/features/invest more info]
+
* {{Link|Yuh|yuh}}: free, fractional shares<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/features/invest|quote=At Yuh, you can trade all products in fractions and invest any amount you like in a share, starting at 25 CHF.}}</ref>
  
 
<div id="crypto"/>
 
<div id="crypto"/>
 +
 
=== Banks With Crypto Currencies ===
 
=== Banks With Crypto Currencies ===
 
These accounts allow you to trade '''Bitcoin''' etc.
 
These accounts allow you to trade '''Bitcoin''' etc.
  
−
* {{AffLink|Nuri|nuri}}: [https://nuri.com/cryptocurrency/ more info]
+
* {{AffLink|Nuri|nuri}}: BTC & ETH, directly<ref>{{Cite|date=2022-05-03|url=https://nuri.com/cryptocurrency/|quote=You own bitcoin directly from the Blockchain straight to your wallet.}}</ref>
−
* {{Link|Revolut|revolut}}: [https://www.revolut.com/help/wealth/cryptocurrencies more info]
+
* {{Link|Revolut|revolut}}: 60+ currencies<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/wealth/cryptocurrencies/getting-cryptocurrency-exposure/which-cryptocurrencies-are-supported-and-how-do-i-start-investing-in-cryptocurrencies|quote=You can buy/sell …}}</ref>
−
* [[Vivid Money]]: [https://vivid.money/en-eu/investments/crypto/ more info]
+
* [[Vivid Money]]: 150+ currencies<ref>{{Cite|date=2022-05-03|url=https://vivid.money/en-eu/investments/crypto/|quote=Buy 150+ crypto coins}}</ref>
−
* {{Link|Yuh|yuh}}: [https://www.yuh.com/en/features/invest more info]
+
* {{Link|Yuh|yuh}}: 26 currencies<ref>{{Cite|date=2022-05-03|url=https://www.yuh.com/en/support/faq|quote=Which investment products can I trade with Yuh?}}</ref>
  
 
<div id="bonuses"/>
 
<div id="bonuses"/>
 +
 
=== Banks With Bonuses ===
 
=== Banks With Bonuses ===
  
 
These accounts will pay you for signing up.
 
These accounts will pay you for signing up.
  
−
* {{Link|1822direkt|1822direkt}}: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months ([https://www.1822direkt.de/fileadmin/Home/Dokumente/PDF/Girokonto/Teilnahmebedingungen_fuer_die_Girokonto-Praemien.pdf conditions])
+
* {{Link|1822direkt|1822direkt}}: €25 or €75 bonus (depending on account type) if you receive 3 salary payments of min. €1000 each within the first 6 months<ref>{{Cite|date=2022-05-03|url=https://www.1822direkt.de/fileadmin/Home/Dokumente/PDF/Girokonto/Teilnahmebedingungen_fuer_die_Girokonto-Praemien.pdf|quote=Sie erhalten eine Gutschrift von 25 €, wenn …}}</ref>
−
* {{AffLink|Commerzbank|commerzbank}} : €50 welcome bonus if you send or receive 5 payments per month of min. €25 (salary, providers etc.) and agree to sales calls ([https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie conditions])
+
 
−
* {{AffLink|Consorsbank|consorsbank}}: €50 welcome bonus if you receive 3 payments of min. €700 within the first 6 months ([https://www.consorsbank.de/ev/Girokonto/-/Girokonto#Freetrades more info])
+
* {{AffLink|Commerzbank|commerzbank}} : €50 welcome bonus if you send or receive 5 payments per month of min. €25 (salary, providers etc.) and agree to sales calls<ref>{{Cite|date=2022-05-03|url=https://www.commerzbank.de/portal/de/privatkunden/konten-karten/produkte/kostenloses-girokonto/kostenloses-girokonto.html#startpraemie|quote=Wie erhalte ich die 50€ Startprämie?}}</ref>
−
* {{AffLink|Norisbank|norisbank}}: €50 welcome bonus if you use their account switching service ([https://www.norisbank.de/girokonto/privatkunden/top-girokonto.html?kid=e.8.10.28.14.3&wt_financeads=1&s_id=723442754X28143C12710649TShttps://berlincheap.com/bonus-banking/#kontowechselservice more info])
+
* {{AffLink|Norisbank|norisbank}}: €50 welcome bonus if you use their account switching service<ref>{{Cite|date=2022-05-03|url=https://www.norisbank.de/girokonto/privatkunden/top-girokonto.html?kid=e.8.10.28.14.3&wt_financeads=1&s_id=723442754X28143C12710649TShttps://berlincheap.com/bonus-banking/#kontowechselservice|quote=Beim Abschluss unseres Top-Girokontos erhalten Sie eine Prämie in Höhe von 50 Euro …}}</ref>
 
* [[Vivid Money]]: €40 in cashback, if you  
 
* [[Vivid Money]]: €40 in cashback, if you  
 
** make 3 in-store card payments of at least €10 each
 
** make 3 in-store card payments of at least €10 each
Line 275: Line 281:
 
=== [[Vivid Money]] ===
 
=== [[Vivid Money]] ===
  
−
* [https://help.vivid.money/en/articles/4159457-how-do-i-verify-my-identity-and-what-document-can-i-use accepts many documents for account opening] (incl. UA passport)
+
* accepts many documents for account opening (incl. UA passport)<ref>{{Cite|date=2022-05-03|url=https://help.vivid.money/en/articles/4159457-how-do-i-verify-my-identity-and-what-document-can-i-use|quote=How do I verify my identity and what document can I use?}}</ref>
 
* support in 5 languages
 
* support in 5 languages
 
* free / no monthly fees
 
* free / no monthly fees
 
* free Visa debit card if topped up with €200
 
* free Visa debit card if topped up with €200
 
* IBAN from Germany 🇩🇪
 
* IBAN from Germany 🇩🇪
−
➡️ {{AffLink|Open a Vivid account|vivid}}
+
{{AffLink|Open a Vivid account|vivid}} | [[Vivid Money|Read more about Vivid]]
  
−
=== {{AffLink|Nuri|nuri}} ===
+
=== Nuri ===
  
−
* [https://nuri.com/supported-nationalities/ accepts many documents for account opening] (incl. UA passport)
+
* accepts many documents for account opening] (incl. UA 🇺🇦 passport)<ref>{{Cite|date=2022-05-03|url=https://nuri.com/supported-nationalities/|quote=Nuri is available for residents of the European Economic Area (incl. Switzerland and UK) and accepts identification documents from 70+ nationalities.}}</ref>
 
* support in English
 
* support in English
 
* free / no monthly fees
 
* free / no monthly fees
 
* free Visa debit card  
 
* free Visa debit card  
 
* IBAN from Germany 🇩🇪
 
* IBAN from Germany 🇩🇪
−
➡️ {{AffLink|Open a Nuri account|nuri}}
+
{{AffLink|Open a Nuri account|nuri}}
  
−
=== {{Link|Revolut|revolut}} ===
+
=== Revolut ===
−
* [https://www.revolut.com/help/profile-plan/verifying-identity/what-countries-are-supported accepts many documents for account opening]
+
* accepts many documents for account opening<ref>{{Cite|date=2022-05-03|url=https://www.revolut.com/help/profile-plan/verifying-identity/what-countries-are-supported|quote=We are currently only supporting legal residents of the European Economic Area (EEA), Australia, Singapore, Switzerland, Japan, the United Kingdom and the United States.}}</ref>
 
* support in 24 languages
 
* support in 24 languages
 
* free / no monthly fees
 
* free / no monthly fees
−
* Visa debit card for [https://www.revolut.com/de-DE/legal/standard-fees €5.99 one-time delivery fee]
+
* Visa debit card for €5.99 one-time delivery fee<ref>{{Cite|date=2022-05-03|url=https://assets.revolut.com/legal/terms/EN%20Personal%20Fees%20UAB%20Old.pdf|quote=£4.99 or currency equivalent for standard delivery}}</ref>
 
* IBAN from Lithuania 🇱🇹
 
* IBAN from Lithuania 🇱🇹
−
➡️ {{AffLink|Open a Revolut account|revolut}}
+
{{AffLink|Open a Revolut account|revolut}}
  
−
=== {{AffLink|Wise|wise}} ===
+
=== [[Wise]] ===
−
* [https://wise.com/help/articles/2949801/how-does-wise-verify-my-identity accepts many documents for account opening] (incl. UA international passport)
+
* accepts many documents for account opening (incl. UA 🇺🇦 international passport)<ref>{{Cite|url=https://wise.com/help/articles/2977982/i-dont-have-the-documents-you-asked-for|date=2022-05-01|quote=In this article, we’ll let you know what kinds of ID we accept around the world, as well as what to do if you have refugee status.}}</ref>
 
* support in 13 languages
 
* support in 13 languages
 
* free / no monthly fees
 
* free / no monthly fees
−
* Mastercard debit card for [https://wise.com/multi-currency-account/pricing €8 one-time delivery fee]
+
* Mastercard debit card for an €8 one-time delivery fee<ref>{{Cite|url=https://wise.com/gb/multi-currency-account/pricing|date=2022-05-01|quote=Order a Wise debit card: 5 GBP}}</ref>
 
* IBAN from Belgium 🇧🇪
 
* IBAN from Belgium 🇧🇪
−
➡️ {{AffLink|Open a Wise account|wise}}
+
{{AffLink|Open a Wise account|wise}} | [[Wise|Read more about Wise]]
  
−
{{Affiliate}}
+
{{Notes}}
  
 
[[Category:Banking]]
 
[[Category:Banking]]

Revision as of 00:56, 5 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

  • Bunq[1]: offers USB, GBP, CHF, PLN, BGN, DLL, SEK, CAD, TRL, CZK, RON, AED, AUD NOK, ZAR[31]
  • Lydia: offers EUR & GBP[32]
  • Monese: EUR, GBP and RON
    • GBP only when living in the UK[33]
    • RON only with Romanian ID [34]
  • Revolut: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, NOK, PLN, RON, SEK, USD, ZAR[35]
  • Vivid Money: up to 100+ currencies[36], but can be topped up only in EUR[37]
  • Wise: 50+ currencies[38]
  • Yuh: CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD[39]

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[58]
  • 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[59]
  • Norisbank[1]: €50 welcome bonus if you use their account switching service[60]
  • 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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