- Published on
Opening a Bank Account in Germany as a Foreigner
- Authors
- Name
- Mind & Muster
- @mindandmuster
Why You Need a German Bank Account
A local bank account is essential for receiving your salary, paying rent, and managing daily expenses in Germany.
Types of Banks
- Traditional Banks: Sparkasse, Deutsche Bank, Commerzbank, etc.
- Online Banks: N26, DKB, Comdirect, etc. (often easier for expats)
Required Documents
- Passport or EU national ID
- Proof of address (Meldebescheinigung)
- Visa or residence permit (for non-EU citizens)
- Sometimes: proof of income or employment
The Process
- Choose your bank (compare fees, English support, online vs. branch)
- Book an appointment or apply online
- Submit your documents
- Wait for approval (can be instant with online banks)
- Receive your bank card by post
Schufa Credit Check
Most banks check your credit history (Schufa). Online banks like N26 may not require this for basic accounts.
Tips
- N26 and DKB offer English interfaces and are popular with expats
- You need your Meldebescheinigung to open most accounts
- Compare ATM networks and fees