You can easily do an online-id-process, which is quite convenient. N26 is used by most expats since there is no minimum input and their mobile banking app is in English. It has around 16 million customers in Germany alone and has offices in every major city. Hanseatic Bank, Hamburg; Targobank, Düsseldorf; Triodos Bank, Frankfurt; UniCredit Bank AG, Munich; Swiss and overseas banks. In the past (and with most other banks still today) you needed to provide a German address in order to get the final documents sent. Make sure to opt in for a free of charge Visa Credit Card. It is a prepaid credit card and it does not allow overdraft. Use the benefits of an online bank – high interest rates and free ATM usage- and use the benefits of traditional banks- tailored service and personal assistance. The fully online bank N26 (formerly called Number 26) provides the most modern facilities and also provides a free bank account. Aktuelles Nettoeinkommen pro Monat in Euro: Current net income per month in Euro 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. Traditional banks are more flexible with the identification documents they accept. Vorname(n): First Name wohnhaft seit (Jahr): Resident on this adress since We collected the Top 5 German bank accounts in the list below. So on top of being very convenient N26 is also free of charge, which is an exception nowadays with the low interests where banks need to earn money by charging for their accounts. The largest private banks are Deutsche Bank, Commerzbank and Unicredit Bank AG (HypoVereinsbank). You will have plenty of banks to choose from if you are looking for simple online banking … Their main advantage is that they offer free VISA credit card with free worldwide withdrawals. While ING operates hundreds of bank branches in the Netherlands and Poland, it is known as an entirely web-based bank in markets like Australia, Germany and Spain where it ranks in the top-five. Overview of Banks in Germany The top banks in Germany are:. Online banks have become more and more present since they offer relatively high-interest rates, good customer services, low fees and 24/7 access to your finances. So what is the best bank in Germany for foreigners? It seems like that banks in Germany are still stuck in the last millennium. Deutsche Bank. Therefore finding the best bank should be one of the first things to take care of when moving to Germany. That hey offer a free credit card in Germany is unique in the German banking world. Free cash withdrawals worldwide, free Master Card and 24h customer service. If you can’t provide a steady income application might get declined. The Commerzbank is a strong entity that offers almost everything a normal customer may need from their bank. There are a lot of banks on the market, and therefore you have a dizzying number of choices. One of the biggest and fastest growing banks in Germany is the DKB – Deutsche Kredit Bank. It seems like that banks in Germany are still stuck in the last … But don’t worry with our help finding the best bank in Germany will be the easiest task. With a total asset of 147 billion and 18,000 employees Postbank is a big player in the market. In this way, you can use the best of both worlds. Local branches throughout Germany You can open an bank account if you fulfill those requirements within 10 minutes. Easy and quick as that. This means that online banks are gaining ground on the traditional banks. What are the best banks in Germany? DKB offers a local 24/7 service hotline concerning any problem that you might run into. Once you have sorted out your German bank account you should consider finding the best German internet provider or the best German phone provider. Top 3 German Bank Accounts No monthly or annual fees Online banking in English, German, Spanish, French & Italian Free Mastercard Apple Pay & Google Pay This article aims to save you time and money! Therefore if you open a German bank account you better should do this as soon as possible after moving to Germany. Once you have a German bank … DKB – Deutsche Kreditbank is a direct bank from Berlin that has been voted best direct bank by Focus Money for already the sixth time in a row. Wohnstatus – Resident status Very easy and clean online banking interfaceGreat customer service The N26 Checking account is free of costs. Bank of Communications, Frankfurt; Bank Sepah, Frankfurt; Citibank Privatkunden, Düsseldorf (since December 2008 part of French Crédit Mutuel bank) Citigroup Global Markets Deutschland (Corporate Bank… But this means that they will charge a little fee for the Girokonto plus. With your N26 account you can get out cash for free up to 5 times a month at any ATM in Germany. If you open a bank account in Germany be sure to have all the information needed available. Staatsangehörigkeit : citizenship Are you wondering what best bank in Deutschland is? This can all be done relatively easily at the Commerzbank. This is what we want when we think of good banking. Very easy and clean online banking interface Ea… TOP 5 German Bank Accounts for Businesses and Freelancers. Moreover, there is no credit check or ‘Shufa’ entry necessary, which makes it fairly easy to open an account. Imagine travelling and having to pay each time you get out cash in another country. The Postbank has offices in every major city and can be found and almost every village. Good luck banking! But if you have lived in Germany for a long time and have a decent credit rating you can try to open an account here. There are only few reasons that speak against DKB and these are mainly that DKB is a pure online bank, so you need to feel comfortable with doing all banking online. It should be standard nowadays that you can do your banking online and without any hassle. If you prefer face to face banking- this could be an option worth concidering. While at most other banks you still need to physically show up at an office to prove your identity, N26 let’s you sign up completely online. With our help you will be able to pay less for more service and quality. If you are interested you can have a look at their website and see if this is the right bank for you. Sign up processes may vary from bank to bank but here is a list of which information generally is needed when you open a German bank account: Vorname – First name In order to sign up with Netbank you need to fill out their online application plus follow the PostIdent, which means that you have to go to any Post in Germany and prove your identity. The aim is to help you decide which is the best German bank … You will receive a free Mastercard along with the bank account. This comes in as no surprise as DKB really offers outstanding advantages to many other traditional banks such as free money withdrawal worldwide or 24/7 service hotlines. You will find out in detail on this page! We suspect that in order to offer that great service and good rates DKB makes sure to minimize the risk of getting ‘bad’ customers that might not have enough money on their bank account. Why do we list N26 here? Still, online banking is not for everyone. Oh and their local branches are usually very modern and service is very good. Be aware that the Credit Card will cost 29€ per year from the second year onwards. We have listed below the most frequently used and reliable banks in Germany. The international banks in Berlin, Hamburg, Munich, Cologne, Frankfurt am Main, Essen, Stuttgart, Dortmund, Düsseldorf, Bremen, Hanover, Leipzig Germany can be classified according to their country of provenance, Most of them are based in the United Kingdom, but the number of French banks is also noticeable, while Swiss and overseas banks … Commerzbank is the second largest bank in in Germany. The sign-up process is very similar in every bank. Most of you will not reach 5 withdrawals a month and therefore this would not bother you. The Deutsche Postbank primarily focusses on business with private customers and on small and medium-sized companies. According to the ‘Bundesverband deutscher Banken’ banks are steadily getting rid of their brick-and-mortar offices in the last years. And the other reason may be that you have been declined by DKB, which sometimes might happen if you do not have a steady income. According to rankings published by Accuity, the best German bank in terms of assets is Deutsche Bank, … 1. Free unlimited money withdrawal from any ATM in Germany and worldwide with DKB Visa card Geburtsname: Maiden Name Signing up with a bank in Germany is very important as you will not be able to rent an apartment or sign up for internet without a German bank account. Deutsche Bank. Telefon & email – Telephone number & email address Well, it’s nowhere written that you’re obliged to get a bank … Think about account management, retirement or mortgage planning. Finding the best bank in Germany for foreigners is not easy, but with our tips we will ensure that you will find the bank that fits to your needs. It offers benefits and advantages that traditional banks do not offer and therefore DKB internetbanking very interesting for expats. In Global Finance’s most recent list of safest banks, one of Germany’s banks takes the number one spot. During the process you simply state your current foreign address and you can open a German bank account and receive their free DKB Visa Card. Also, DKB makes it easy to set up a German bank account for foreigners since they have a clear business model. This website uses cookies. DKB makes it is possible for foreigners or future expats to open a German bank account from abroad. Many banks in Germany charge a monthly administration fee for the pleasure of you holding an account (Girokonto in German). With your Girokonto you will automatically get an EC-card which will enable you to withdraw money from any Cash Group ATM free of charge and also pay in most supermarkets/restaurants/shops cashless and also free of charge. As mentioned before make sure to sign up with DKB already before moving to Germany as it comes in very helpful to already have a German bank account before moving to Germany. If this is an important point for you, then it could be smart to open a bank account with the DKB, because their online presentation makes signing up really easy! TOP 5 German Bank Accounts. Best Country for Safety – Germany. If you are fine … All activities of the Commerzbank can be managed online. Zweiten Kontoinhaber – Secondary account holder. But with Netbank you can reach somebody to help you 24h a day. The German economy with a population of 81.7 Million (Est 2010) ranks 5th in the world with a GDP PPP of 2.8 trillion and GDP PPP per capita of 34,388 vs 45,934 (United States) according to the IMF in 2009. Free Maestro card and Mastercard credit card 6 of the Best Banks for Expats in Germany | Life in Düsseldorf That is a good indicator that DKB is a great choice for your German bank account. You now have officially opened a German bank account. But why did Netbank only come in on third position to be the best bank in Germany? So if you already know that you gonna move to Germany sign up already from abroad with DKB. Commerzbank owns … If you want more information about these topics, just have a look on the websites of DKB and the Postbank – they both have an excellent website where everything is clearly explained. We have selected 2 of the best online banks in Germany for expats and English speakers: N26 is a purely online bank. By clicking "Accept" you agree to cookies being used in accordance with our, Continue here if you want to check out N26 and sign up with them, Postbank – Best Traditional Bank in Germany, Unlimited free cash withdrawal at 7.000 retail stores, Sign up bonus of up to 250€ worth of vouchers (certain conditions apply). The selection was made by me personally and super-subjectively – but in contrast to most current account comparisons on the Internet, I use these accounts myself. So if you did not have an apartment (because you did not have a German bank account yet) things could get very tricky. Germany’s larger banks are often the number one choice of many expats since many offer teams that cater specifically to foreigners. Logo made with Logomakr.com. Germany holds three other slots in the top ten, for a total … You will love this once you run into any troubles with your account, because usually such things always happen on a Sunday with nobody working. Deutsche Bank AG, the largest bank in Germany, provides financial services to retail … The growth in online banking does not mean that traditional banking is at its end. If you are travelling a lot it gets even better as you can get out cash for free at any ATM worldwide as often as you want. You can get free cash withdrawals at any ATM worldwide that accepts Mastercard – which is quite exceptionally within Germany. DKB’s online banking interface is state of the art and makes online banking easy and fun. It provides everything you will need to do all your banking. Meanwhile, there is a clear up-trend in online banking. Land – Country Especially foreigners will appreciate the ability to sign up from abroad and their customer service that also usually speaks English. Top Banks in Germany Following are the largest banks in Germany ranked by total assets, in billions of euros. Most online banks don’t. English signup process It has around 14,5 million customers worldwide and was founded in 1870. If you still don’t understand what exact data they require from you be sure to translate the page in your browser, as described on top of the page. 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. The Hanseatic Bank GenialCard Visa ranks consistently high in all rankings in Germany and for good reasons. The signup process is online and in English, the account is completely free of charge and you can get out cash for free at any ATM. As already mentioned N26 is the only German bank at the moment that offers an English banking interface and also an English signup process. Everything, that you needed to go to your local bank to in the past now can be done online. N26 is definitely the easiest way for English natives to sign up for a German bank account. Once you sign up with N26 you will get both a free of charge Maestro card, which you can use in shops and restaurants and a free of charge Mastercard credit card. Believe it or not, but right now N26 is the only bank in Germany that let’s you sign up for a bank account on an English website. This bank offers … 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. Usually it will take up to 5 working days until the papers from the bank arrive at the stated address. The biggest four banks are Deutsche Bank, Commerzbank, KfW and DZ Bank. Most of them have no monthly account fee, except for the Deutsche Bank checking account. But it is such a close call between DKB and Netbank that this limitation set Netbank to second place only. Name – Family name This is the best way to open a bank account before your Anmeldung. N26 offers bank accounts to non-German residents. All of these banks offer clear contracts for non-German speakers and are used by most German inhabitants. One person likes to do business in person while to other is fine with the anonymity of an online bank. Geburtsort: Place of Birth Therefore it is hard to say what the best bank in Germany is because everybody has other needs. N26 is a very convenient bank for newcomers. Do I need to get a German bank account? N26 – Best Bank for English Speakers. Geburtsdatum – Date of birth Number26 – the full service in English, for free. best-bank-in-germany 2019 The banks that are mentioned in this section are online banks. If you don’t understand German that well, be sure to check their website with the trick we described on the top of the page. Furthermore, when it comes to traditional banks, Deutsche Postbank offers tailored service and is well represented within Germany. With around 1200 bank branches in Germany alone, it is one of the most represented banks in Germany. The Postbank is well known for its high customer satisfaction rate. However, it is up to you to decide what you like best. In fact Germans do love paying with their EC-card even for goods less than 5 Euros. Aareal Bank, headquartered in Wiesbaden, is one of the leading international real estate banks… Wohnstatus: Resident status Most traditional banks generally charge fees for withdrawals at another bank’s ATM within Germany. DKB is therefore the best bank in germany for foreigners and the best bank in germany for students. With traditional banks like Sparkasse or Hypovereinsbank you can only withdraw money without a fee at ATMs of their branch. A lot of people still go to their trusted banks to access their accounts. So if you are looking for a bank account in Germany make sure to sign up with DKB. And on top of that there are around 7.000 retail stores in Germany where you can get cash for free. How? The Germany’s banking system includes approximately 200 private banks, 400 public savings banks and over 1,000 cooperative banks. They often let you create an account before you have an address in Germany. You need to have proof of Identity and you need to be 18 years and older. DKB – Deutsche Kredit Bank has some outstanding … But you would be surprised how many traditional German banks still struggle with the digital age. Everybody is different, and therefore there is not one bank that can fulfil everybody’s needs. Private banks in Germany make up around 40% of all German banks, with around two-thirds of them belonging to big centralized chains. Steuerliche Ansässigkeit: If you only pay taxes in Germany You can open a bank account within 10 minutes. Best Bank Accounts for Expats in Germany. The main advantages are free Visa card with free worldwide cash withdrawal and a possibility to earn interest on the deposit (for active members). Well if you go for the standard credit card you can get out cash for free at any ATM worldwide – with the limit of 5 withdrawals for free per month. Free Worldwide cash withdrawal for Active Members 4. Very important nowadays that you can take out cash at any ATM for free worldwide. 24h customer service N26 is clearly a top choice for everyone who feels comfortable with banking purely using and App. But if you get accepted, which is usually the case, you can be sure to have made the right decision to sign up with DKB. Postbank is a traditional bank where you do all your banking in their local branches. If you ever tried to learn German you can imagine how helpful this really is. However, it is selective in accepting clients, especially non-German speakers. There are also around 200 smaller regional banks in Germany. Getting out cash without paying fees at any ATM is a big plus for signing up with DKB. The bank was founded 1990 and serves now over 3 million German customers. One of the biggest and fastest growing banks in Germany is the DKB – Deutsche Kredit Bank. Continue here if you want to check out N26 and sign up with them. This way you will be able to also withdraw money for free worldwide if you are frequently traveling. After you have provided all the requested information you will have to agree with the terms and conditions of the banks. Wohnhaft seit – Resident since (since when do you live at this address) DKB & N26 have won so many tests and really is that good that it is an obvious choice to sign up with one of them. If you are from Spain, Italy, the Netherlands, Belgium, Portugal, Finland, Austria, Ireland, France, Slovenia, Estonia and Greece you can get a free checking account. DKB of course offers a secure line (SSL) and transfering funds can be done with the usual TAN system. If you look for a solid fee credit card, look no further. DKB is the best German bank, if you are comfortable with doing all your banking online and you don’t mind to sign up for your account in German. The main question that you hear nowadays is if the online banks offer better value than brick-and-mortar banks (banks that have a physical presence in a building). This makes it the largest bank when it comes to dealing with current or checking accounts. Limit of 5 free withdrawals per month with Master Card. a) Germany’s best … The bank primarily focuses cash checking accounts for private and freelance clients, but they also offer financing of real estate and the granting of personal loans. Good news is that Postbank is less picky when it comes to accepting applications. As already mentioned, this won’t affect most of you, but as we have to decide which is the best German bank this is what made Netbank come in 2nd place. When it comes to online banks, DKB offers the best rates and benefits in the online banking segment. This is something that can come in handy when you are often abroad. We have compared the pros and cons of every bank and made an overview for you. This is something no other German direct bank has achieved ever before. At the same time, … And this will cost you money. Which means they don’t have branches in every city like the traditional banks. To ensure that you understand the requested data we translated the most important fields for you. For each bank business overview, account opening, products and services, customer ratings (if assigned), key financial data (except for branches of foreign banks), credit ratings (if assigned), deposit guarantee, technical data (bank … If you do not feel comfortable yet to open up an online bank account then Postbank is your best choice. A member of the Comdirect Group, Comdirect is also a top German bank and a leader in the German online securities business, with over 2.5 million private customers. If you are from German origin and you possess a German ‘Personalausweis’ you can easily open a bank account using the AusweisApp. And, which of them offers the clearest contracts and the best conditions? As a business owner in Germany, it is recommended to have a business bank account (Geschäftskonto).The separation of your business bank account from your personal 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. The 3 best current accounts in Germany 5.5.2016. If you are fine with doing all your banking online – this is the best bank account in Germany for you. In beginning of 2011 just half of the adults used online banking in Germany, and currently it is up to 80%. Usually Cash Group ATMs are everywhere to find, but sometimes, especially if you need to get out cash urgently, it might happen that you need to use a non cash group ATM. Zweiten Kontoinhaber: Secondary account holder. Aktuelles Nettoeinkommen pro Monat in Euro – Current net income per month in Euro They have a partnership with the Bank of America, which can make money transfers simpler. Choosing the best bank in Germany is a difficult task. First of all, no matter if you sign up for DKB, Postbank or Netbank, you will be in very good hands either way. It has rapidly grown as the largest online bank in Europe. The German Postbank AG is one of the largest traditional banks in Germany. Free withdrawal from 10.000 ATMs from Cash-Group in Germany We will compare the advantages of disadvantages of the most famous German banks and find the perfect choice for you. And even better, with your free DKB visa card you can also withdraw money from any ATM worldwide free of any costs. We’re going to take a look at 4 popular banks among the expat community offering FREE accounts. Only free cash withdrawal from cash group ATMs. Titel: Titel As you can see finding the best bank in Germany is not really that difficult a task. However, if you do not need a personal contact in one of their branches, an account with one of the online banks … Staatsangehörigkeit – Nationality It does not have to be one or the other, you can also choose both! Familienstand: Civil status Free money withdrawal from any ATM in Germany and worldwide with free Master Card Familienstand – Marital status Similar to DKB also Postbank has won several awards in the past including the one for safest online bank by Focus Money. The reason is that it is the … Tätitgkeit – Occupation This account also provides a free credit card (Prepaid Card) along with … If you look for a solid fee credit card, … Free Visa Credit card 3. In summary there is no reason at all not to sign up with N26 right now. 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. Geburtsdatum: Date of birth Moreover, you can withdraw cash from any ATM in Germany without paying additional fees. Girokonto just 1,90€ per month The Girokonto will cost a monthly fee but with just 3,90€ a month that is a fair offer. But of course if you want to do your banking online, Postbank also offers that option. That’s all there is to it! Doesn’t this give you some peace of mind moving all your banking from traditional banking to online banking? I’ve personally been very satisfied with their … Not without good reasons Postbank was voted “best Girokonto” in 2014. So whether your account got closed due to suspicious login attempts or you have some questions regarding your account there will always be a friendly DKB employee to help you with your problems. The DKB is a subsidiary of the Bavarian bank. Free money withdrawal up to 5x per month from any ATM in Germany and worldwide with N26 Mastercard. The best option for most people for a German bank account: N26 I’ve been using N26 for a few years and it has always served me well in Germany or abroad. It is relatively easy opening a German bank account, also when speaking little to no German. It does not matter if you go to DKB, Norrisbank, Postbank or Commerzbank they all request the same basic data. The bank was founded 1990 and serves now over 3 million German customers. Name: Last name Deutsche Bank is Germany’s largest nationwide bank, highly regarded internationally. Free Visa Credit Card for 1 year So setting up your German bank account has just become incredibly easy. Deutsche Bank: As per the total assets acquired, this tops the list in the ranking. Deutsche Bank remains in recovery mode in M&A in its domestic market, rising one place to seventh. All these German banks offer a different kind of checking accounts, discounts and credit cards. So get prepared to always bring your EC-card wherever you go. It does not matter if you live in Berlin, Munich, Hannover or Frankfurt – you will find a Postbank branch in your city. Open one account at an online bank and one at a traditional bank. The best bank for you depends a lot on your banking needs. Ability to sign up without German address Furthermore you will most likely have to pay a hefty fee for each transaction such as getting cash at a German ATM with your foreign bank account. Finding the best bank in Germany is not an easy task. DKB – Deutsche Kreditbank has been rated best bank in Germany in many leading consumer magazines from Focus Money to Handelsblatt. The traditional banks are doing their utmost best to ramp up their web presence to compete with the online banks. Honestly it is a close call between DKB, Postbank and Netbank. If you don’t feel comfortable with online banking yet then Postbank is a very good choice to open up your German bank account with. In that way, you can find the best German bank account that fits your needs. Luckily Netbank is an exception and offers a very user friendly online banking interface. They are well represented within Germany and can be found in every city and almost in every village. We have heard that DKB sometimes might decline applications without telling you a reason why. Also withdraw money for free up to 5 working days until the papers from the second year onwards and... Picky when it comes to dealing with current or checking accounts, discounts and credit cards this makes easy... Deutsche Kreditbank has been rated best bank in Germany for expats and English speakers Germany be sure to have of. State of the first things to take care of when moving to sign. Feel comfortable yet to open an bank account in Germany where you can do your banking traditional. 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