German Bank
Accounts Compared
No monthly fees · Free cash withdrawals · Digital-first
English support available · Suitable for expats and newcomers
What to Look for in a German Current Account
Current Account Comparison
Find and compare current accounts in Germany — fees, features, and English support at a glance
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Why Compare Current Accounts?
No Monthly Fees
Many banks offer current accounts with no monthly maintenance fees
Free Withdrawals
Get free cash withdrawals at ATMs across Germany and Europe
English Support
Customer service available in English for expats
Digital Banking
Modern mobile apps and online banking platforms
Quick Application
Open your account online in just a few minutes
Deposit Protection
Your deposits are protected up to €100,000 by German law
Contactless Payments
Free debit card with contactless and mobile payment options
Account Switching Service
Free help with switching your direct debits and transfers
Types of German Banks
Traditional Banks
Deutsche Bank, Commerzbank, etc.
• Higher fees
• Traditional services
Online Banks
N26, DKB, ING, etc.
• Modern mobile apps
• English support
Cooperative Banks
Volksbank, Raiffeisenbank, etc.
• Personal service
• Regional focus
Pro Tip for Expats:
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).
How to Open a German Bank Account
Compare Accounts
Use our comparison tool to find the best account for your needs
Apply Online
Complete the application form with your personal details
Verify Identity
Complete identity verification via VideoIdent or PostIdent
Required Documents:
- • Valid passport or EU ID card
- • Registration confirmation (Meldebescheinigung)
- • Proof of income (employment contract or payslips)
- • Tax ID number (Steuerliche Identifikationsnummer)
- • Student certificate (if applicable)
- • Visa/residence permit (non-EU citizens)
Current Account FAQ
Can I open a German bank account as a foreigner?
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.
Which banks offer English customer service?
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.
What fees should I expect?
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.
How long does it take to open an account?
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.
Can I use my foreign debit card in Germany?
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.
What's the difference between Girokonto and Tagesgeldkonto?
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.
Ready to Compare?
Use our free comparison tool to find a current account that fits your needs — many with no monthly fee and English customer service.
No Monthly Fee
Many accounts are available with no monthly maintenance fee
English Support
Several banks offer customer service in English
Online Application
Many accounts can be opened entirely online