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Germany's most advanced banking comparison with EXCLUSIVE quality
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Many banks offer current accounts with no monthly maintenance fees
Get free cash withdrawals at ATMs across Germany and Europe
Customer service available in English for expats
Modern mobile apps and online banking platforms
Open your account online in just a few minutes
Your deposits are protected up to €100,000 by German law
Free debit card with contactless and mobile payment options
Free help with switching your direct debits and transfers
Deutsche Bank, Commerzbank, etc.
N26, DKB, ING, etc.
Volksbank, Raiffeisenbank, etc.
Consider online banks like N26, DKB, or ING for your first German bank account. They offer excellent English support, no monthly fees, and can be opened online with just your passport and registration confirmation (Meldebescheinigung).
Use our comparison tool to find the best account for your needs
Complete the application form with your personal details
Complete identity verification via VideoIdent or PostIdent
Yes, you can open a German bank account as a foreigner. You'll need a valid ID, proof of residence in Germany (Meldebescheinigung), and proof of income. EU citizens have an easier process than non-EU citizens.
Many online banks like N26, DKB, ING, and Comdirect offer customer service in English. Traditional banks may have limited English support, mainly in major cities.
Many banks offer free current accounts with no monthly fees. Watch out for fees on: cash withdrawals abroad, account statements, overdrafts, and currency exchanges. Online banks typically have lower fees.
Online applications can be completed in 10-15 minutes. Account approval typically takes 2-5 business days. Your debit card and PIN will arrive by mail within 7-10 days.
Yes, but you'll pay international transaction fees. It's much cheaper to have a German bank account for daily expenses. Most shops, restaurants, and services in Germany accept card payments.
A Girokonto (current account) is for daily banking - receiving salary, paying bills, shopping. A Tagesgeldkonto (savings account) is for saving money and earning interest. You typically need both for complete banking services.
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