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I wanted to open an account in commerce bank just to save monthly fees which in case of DB i had to pay. I am not EU resident so I showed my resident permit and passport etc while opening an account at commerze bank.
The worst part was after confirmation email they called me and said they cannot open my account as my resident permit is limited. It is valid till end November and after that we non EU residents always renew it.
I asked them that they should have mentioned it somewhere minimum limit of residence permit so to save our time.
Now i am not sure either i keep deutsche bank or opt some other bank in order to save additional fees and costs.
Dear Shaheera, thanks for sharing your experience with Commerzbank. I would give it a try with N26 as they are usually a bit more flexible than the traditional banks.
I wonder if other banks e. Dear Alexey, Re. By the way… I will shortly publish an article about Tomorrow Bank, explaining the bank accounts in more detail.
So stay tuned! In most cases you can just open one additional savings account within your bank account. Dear Dominik Hi I am from syria and i will come to germany next month which of those banks can i open an account especially my Nationality is syrian?
The important thing is that you have a valid registration certificate Meldebescheinigung because you need to be a legal resident in Germany in order to be able to open a bank account.
Once you have that you should be able to open a bank account at any bank. Hi, We should submit only city registration certificate or we can use tax number certificate for opening bank account?
Dear Lokesh, in the current situation with a lot of public authorities being closed I would talk to the bank and check with them if they also accept the tax number certificate.
Hi, what type of bank account do you recommend for children with the intent of saving for the future? For example:. But of course there are also banks that offer a savings account without the need to open a bank account, such as direkt or RaboDirect.
Dear dominik: Information was so useful. I opened a n26 account standard and install the app but for the video ident the operator asked me the resident permit aufenthalt and I didnt have it because im newly hear and told me to contact support for post ident.
N26 has for example published this list , where you can see what documents are required to open an N26 bank account, depending on your nationality.
For other banks you would have to check individually. But I would recommend to give it a try with N26 and Commerzbank.
Commerz bank for example will only open a bank account for me if I have Permanent residency. It was literally a life saver.
I have a question, I am 33 y old, man from North Africa, right now am student studying at privet sprachschule I have a blocked account at Fintiba, ans I ant to open an account to start transfer money to my new account from Fintiba.
What is the most good option for me? Dear Mohammed, If you are looking for a bank account without fees, free cash withdrawals and including a credit card my recommendation would be either N26 or DKB as they both fulfill your requirements.
You can find more information about these bank accounts in the above article. Thanks a lot Dominik, this is really very helpful.
All the best Nasser. I find this article very insightful and helpful. I recently moved to Germany for postdoc and I have been actively seeking to open an account.
I had in the past used Deutsche Bank during my PhD years ago. After leaving Germany I wrote the bank that I would no longer be in need of the account.
Do you think it is advisable to go to the same back to open an account or you have another bank to recommend. Dear Dayo, I would check with Deutsche Bank if your account is still active or if they can reactivate it depending on how long ago you have used it the last time….
Just go to a Deutsche Bank branch office close to you and ask them. However I would recommend to check also other alternatives, as the Deutsche Bank account is only free of charge if you are a student and 30 years or younger otherwise 5.
There are plenty of alternative accounts that offer the same or an even better range of services for free or a lower price than Deutsche Bank.
Dear Lupita, yes, you are absolutely right, most banks in Germany do not offer free cash deposits. If you want to deposit an amount higher than EUR a fee of 1.
DKB offers the same option for depositing cash. Commerzbank charges per cash deposit a fee of 1.
Another option would be to check with one of your regional banks such as Sparkasse or Volksbank. Some of them still might offer free cash deposits.
Thank you for this amazing article. I have a question if you do not mind answering. I am a Lebanese Citizen, who is currently enrolled at a German University.
I have not yet received the Residence Permit and I require a bank account before the end of the month of October. Initially, I checked N26 but they require that I provide the passport and residence permit for verification.
Is it possible to state whether they require the residence permit or is the registration certificate enough? Also, what other documents are required for legitimisation?
Thanks a lot! This also includes ING. I would therefore recommend to go to an office of a local bank e. Sparkasse, Commerzbank, Deutsche Bank, etc.
By law you have the right to get such a bank account since a new law has been introduced in Some of these basic accounts are for free, others cost you a monthly fee.
Just give it a try with some banks close to you. Regarding your question in regards to the difference between the normal ING bank account and the student account: there is no difference.
They have both exactly the same conditions is just a matter of marketing. I recently opened an account with ING and I wondered if you could go into more detail about the cards you Get.
Hi Chioma, yes of course! I would recommend to use the VISA card for cash withdrawals as there are no fees if you withdraw cash within the Eurozone.
You can furthermore use the VISA card for online and offline shopping. I visited Deutsche Bank literally less than thirty minutes ago.
They no longer offer free accounts for students. Dear Eni, thanks for the information. If you are a student and 30 years or younger you qualify for a free bank account at Deutsche Bank.
My suggestion would be to open the bank account easily online. Hello , thank you for the article very helpfull. Please , i wanted to know what do you suggest for a 25 years old student in berlin who have a scholarship and a blocked account , means gets around per month.
Please what do you recommend and what about sparkasse? Dear Nouha, in that case I would recommend an N26 bank account for the following reasons:.
Cash withdrawals within the Eurozone are always free of charge. Only cash withdrawals in other currencies than Euro cost 1.
For cash withdrawals outside of Germany fees apply. In most cases Sparkasse bank accounts cost a monthly fee, therefore I would not recommend it.
What does it mean a passive customer? For example at DKB bank foreign transaction fee is payable for passive customers. The main benefits of being an active customer are:.
The bank account itself is still free of charge for passive customers. By the way, in the first year after opening your account you are considered as an active customer by DKB which means you can enjoy the benefits of an active customer without having to receive monthly payments of EUR.
I am self-employed. I am registered in Germany , but work across EU. Now the question is if I will be able to open a bank account in Germany.
Any thoughts? Dear Wali, yes, of course. If you are looking for a bank account for your personal use, I would recommend to go for one of the providers presented above.
However if you intend to use your bank account for business purposes e. Good options are for example Penta or Holvi.
Hello, I need your best recommendation for a bank account for a fresh student 18 years old. He has already a blocked account.
What are the needed papers in this case. Dear Faten, my recommendation in this case would be an N26 bank account as it is usually quite easy to open a bank account with them.
The required papers for opening the bank account with N26 depend on your nationality. For other countries, e. This overview will help you to identify which documents you will need to provide.
The account opening itself is really easy with N26 as you can do it completely online with your smartphone, and your bank account is activated within minutes.
How can I do? Is there a bank that has accounts for kids? Thanks in advance. Dear Marco, yes there are lots of banks offering bank accounts for minors i.
From the banks presented in this article the following banks are offering a bank account for minors:. However as you have shared custody for your daughter, both parents will have to sign the banking agreement.
Hope this helps! Hello, Is it possible to open an account in Commerzbank today if my job starts only on I tried to do it in DKB and they said the start date of job is too far in the future.
Some banks are bit picky, but a job is usually not necessarily required for opening a bank account. Hi, I really confuse right now, as the banks here in germany dont really give much info for some special cases.
My qst is: What s the best bank account for student above 30 years old in germany? I want to know also how much u pay monthly in this case?
And in case u r working also as student and hav monthly income between and euro? Any benifit in this case?
With some banks of corse. Dear Zine, as a student above 30 you usually do not qualify for a free student bank account with most banks.
I would therefore recommend to go for a normal bank account that is free of charge. There are plenty of banks on the market that offer bank accounts free of charge.
For example all the bank accounts presented in this article are free of charge. Hey, I would like to ask you about which bank is currently stable in Germany.
I already maintain my account in the Deutsche Bank but there are a lot of News that it might bankrupted. Therefore, I am thinking right now to switch to ING or maybe you can suggest me which other bank could be absolutely the right option?
Thanks in Advance! In general there is a deposit insurance within the European Uniont that protects private deposits up until , EUR.
Deutsche Bank, Sparkassse run voluntary additional guarantee schemes, which go beyond the European minimum of EUR , Of course nobody knows what will actually happen with these guarantees in a worst case scenario e.
Is Das Junge Konto available even for non-German citizens and is also free of charge?? Hi James, yes, Deutsche Bank is also a good option.
If you meet these requirements you can open your Deutsche Bank account here. Please let me know if you have any further questions.
Many thanks for the detailed explaination and more then that all the replies to the different questions in this article.
Really appreciate your effort. Learnt more about how banks work here. Now coming to my question could not find exact scenario like what i am looking for in the above thread, so posting it.
Sorry in case I missed your reply to same question. I am currently staying in Germany and after few years plan to return to my home country outside EU.
I would want to start investments in ETF and keep this investment active even after I return. As I understand, when I sell my investments I would need a bank account where I can get the money back.
Are there bank accounts which I can keep open even after I return? Especially that I would no longer have any German address.
Which bank account would you recommend for this scenario? My requirement is that I use this account only for investment and then transfer the money to my home country using 3rd party applications like Transferwise.
Do you see if such thing is possible? So imagining how can I make it work. So you want to invest money and keep your money invested after you have moved away from Germany.
There are plenty of providers on the market and I will actually publish a comparison of brokerage accounts soon.
My recommendations for a brokerage account would be either ING traditional bank with good online banking or Trade Republic fintech bank with easy to use app and low fees.
You can then transfer money from your bank account to your brokerage account and vice versa. Regarding your question if you can keep your account in case you move away from Germany, it really depends on the bank… I have heard from banks that do not have a problem with this and others that have terminated the contract with their customers.
So you would really have to check with your bank…. Hi, Thanks for all your efforts giving us all possible information necessary.
Could you please advise my about Deutsche Bank account? Why is this not a possibility on your article? Thank you so much for your time.
The other two bank account models offered by Deutsche Bank cost 5. However if you are a student, the Deutsche Bank account is of course a good option.
Hello, Please could you advise me on my best options for a German Bank to join. I have a large sum of US dollars in cash and I wish to open a account and find the best exchange rate etc..
I am a English speaker and learning German but wish to either manage my account on line or visit a English speaking branch to further develop my banking in Germany..
I will be receiving a monthly pay amount and plan so for the foreseeable future. Any advice? Hi Brett, first of all, sorry for the delayed response to your comment… In that case my recommendation would be Commerzbank.
Moreover, you can withdraw cash from any ATM in Germany without paying additional fees. Also, DKB makes it easy to set up a German bank account for foreigners since they have a clear business model.
DKB is therefore the best bank in germany for foreigners and the best bank in germany for students. N26 is a purely online bank.
It has rapidly grown as the largest online bank in Europe. The N26 Checking account is free of costs. It provides everything you will need to do all your banking.
N26 is used by most expats since there is no minimum input and their mobile banking app is in English. You can open a bank account within 10 minutes.
You will receive a free Mastercard along with the bank account. It is a prepaid credit card and it does not allow overdraft.
You can get free cash withdrawals at any ATM worldwide that accepts Mastercard — which is quite exceptionally within Germany.
If you are interested you can have a look at their website and see if this is the right bank for you. N26 offers bank accounts to non-German residents.
N26 is a very convenient bank for newcomers. You need to have proof of Identity and you need to be 18 years and older. You can open an bank account if you fulfill those requirements within 10 minutes.
The Nortisbank GmbH is an online bank which offers attractive rates. Norisbank is one of the best banks in Germany since it has recently moved all their business online and therefore can offer very attractive rates.
It is a well trusted bank in Germany which was founded more than 60 years ago and a subsidiary of the Deutschen Bank. The Norisbank offers attractive rates at a very competitive level.
Norisbank offers interesting rates with a free checking account with no monthly input. They offer an easy understandable website where you can do almost everything online.
Norisbank is a good bank if you are interested in easy online banking. The growth in online banking does not mean that traditional banking is at its end.
A lot of people still go to their trusted banks to access their accounts. If you handle more complicated transactions or banking products on a daily basis, it would be advisable to put your money in a traditional bank.
Moreover, if you are in a business where you handle a lot of cash on a regular basis, this would be the right choice for you.
It has around 16 million customers in Germany alone and has offices in every major city. This makes it the largest bank when it comes to dealing with current or checking accounts.
The Postbank has offices in every major city and can be found and almost every village. It does not matter if you live in Berlin, Munich, Hannover or Frankfurt — you will find a Postbank branch in your city.
If you prefer face to face banking- this could be an option worth concidering. The Postbank offers a lot of options; whether you want a personal savings account, a deposit or a trust fund — the Postbank can offer it.
With a total asset of billion and 18, employees Postbank is a big player in the market. The Postbank is well known for its high customer satisfaction rate.
The Deutsche Postbank primarily focusses on business with private customers and on small and medium-sized companies. Commerzbank is the second largest bank in in Germany.
With around bank branches in Germany alone, it is one of the most represented banks in Germany. It has around 14,5 million customers worldwide and was founded in The Commerzbank is a strong entity that offers almost everything a normal customer may need from their bank.
They are well represented within Germany and can be found in every city and almost in every village. If you handle a lot of cash on a day to day basis, this company could be something worth considering because they have a lot of branches.
All activities of the Commerzbank can be managed online. Think about account management, retirement or mortgage planning.
This can all be done relatively easily at the Commerzbank. The sign-up process is very similar in every bank. It is relatively easy opening a German bank account, also when speaking little to no German.
To ensure that you understand the requested data we translated the most important fields for you. After you have provided all the requested information you will have to agree with the terms and conditions of the banks.
You can easily do an online-id-process, which is quite convenient. You will have to identify yourself via a webcam where you must show your current ID or passport and a pin number which you will receive via email.
You now have officially opened a German bank account.Das ist insbesondere bei Filialbanken der Fall. Anbieter Nur regionale Angebote. Noch ist unklar, welche Auswirkung dies auf die Gebühren haben wird. Postbank Girokonto. Buchungen über je mind. Solche Konten sind nur geeignet, wenn Sie ihr Konto kaum nutzen. Dann Poker Spiele Kostenlos Downloaden Sie Pappas Frezeria an einem Kesselhersteller rund Standorte oder vereinbaren Sie online einen Termin. Lebensjahr ist die Kontoführung kostenlos. Kontaktlos bezahlen mit Girocard . Kosten für Überweisungen - Wenn Sie Nonogramm Kostenlos überweisen, können Kosten entstehen, vor allem, falls es sich um Überweisungsträger aus Papier handelt. And the best thing is that most of the bank accounts presented in this article offer their online banking also in English which makes them ideal Wetten Alles Verloren expats or students who have just Vfb Stuttgart Mainz 05 to Germany. Hi, Thanks for all your efforts giving us all possible information necessary. Your email Online Realitatea Tv will not be published. The only difference is that you can withdraw cash for free only in the eurozone outside you pay a fee of 1. N26 is used by most expats since there is no minimum input Beste Bank Hamburg their mobile banking app is in English. There are plenty of banks on the market that offer bank accounts free of charge. Thank you. And this cash I T Online Delogin in my account regularly but for me my bank is to complicated to used specially my German is not that good. In that way, you can find the best German bank account that fits your needs. So what is the best bank in Germany for foreigners?