Who benefits from this portal?

Accounts, cards + investments: secure in Germany but usable worldwide


In the future, you will gain double interest earnings and only pay half the fees, if they will be charged at all. Now, what is necessary in order to obtain these conditions? Please read this portal carefully, become a Fan, learn and implement it consistently.

Here you have the chance to get to know the best German bank accounts and their optimal usage in detail, as you will not find this kind of information elsewhere on the Internet.

Use our ideas and tests for the optimization of your own finances. Challenge us with your questions.

Apply successfully for the ING loan in Germany ✅

13.12.2018:  On this page, it is not about whether taking a loan is meaningful or not – you decide this for yourself! This page helps you to get a loan in Germany! Finally, your creditworthiness is the decisive factor. As it is your creditworthiness, it is within your area of responsability to present your creditworthiness in the online application … read more

Curve use abroad

Curve Card in the use abroad

27.11.2018:  The Curve Card is currently considered the new super credit card and it is indeed a super-tool for us smart bank customers. Thanks to it, even our community grows, because owners of the Sparkasse and Volksbank’s credit cards can try risklessly and switch-free the advantages of really smart bank products. What the Curve Card exactly is, which … read more

German Current Account

German current account of the future?

22.11.2018:  Since 2015, there have been more changes to the current accounts than in 15 years before … the changes will even accelerate more! Not everything in this article will be nice for you! But if you deal today with what is heading to you and all of us inevitably, you can belong to the winners of the … read more

comdirect secret

3 secrets for Comdirect-customers

20.11.2018:  As you perhaps know, being a frequent reader, the Comdirect belongs to one of my favourite banks since years. Today, I want to share with you three “secrets”, so that you can use the bank more optimized and maybe even like the bank a little more than before. 1. Comdirect First How would you feel, if at … read more

Curve Card

Curve Card ► All in One

8.11.2018:  Guest article by blackwater.live* There are so many (free) bank and credit cards in Germany and other European countries. Which should you take with you on journeys or for the everyday use? Which card should I take with me today? The wallet becomes fatter and fatter. Now we add the questions of whom can I trust my … read more

DKB or Santander Visa Card?

Now Santander instead of DKB Visa Card?

29.10.2018:  Exactly at the time when the DKB cancelled the refund of foreign fees for withdrawing cash, the Santander introduced it with the 1Plus Visa Card! Back then, I thought that this was a bad joke! I thought it wouldn’t last. I was wrong! About two and a half years after this absolute improve of condition (for us … read more

Best credit lines in a comparison

Best credit lines in a comparison ✅

6.10.2018:  As you perhaps already know, I have a credit line at both of the following providers. They are by far the leading banks in this special segment! Due to the fact that not every application is approved at the first time, this comparison helps you taking the decision at which bank you should apply first. Questions? Help? … read more

Loan rejected?

Loan rejected? Tips for Try No. 2

28.9.2018:  Sometimes, people only become aware of our special portal, when they google in the Internet searching for the reason of a loan rejection. Upfront: You will never find out the true reason, because this is never told. Assumptions do not further help you, because they are an excuse and stick to the status quo (= no loan). … read more

Postbank Business Account

Open the business account of the Postbank?

19.9.2018:  In the past 2 years, a hand full of start-ups, which offer a Smartphone-based (partially free) business account with Mastercard, arrived at the market. We took a look at all of them! Moreover, we also peeked into the business account of the Sparkasse and Volksbank, as well as of the Deutsche Bank and Commerzbank. Finally, we decided … read more

Barclaycard Visa

New Barclaycard Visa: Now better?

6.8.2018:  Barclaycard discontinues the for many years successful and repeatedly rewarded Barclaycard New Visa. Its successor is simply called Barclaycard Visa and is elegantly black. But… Attention: considerable change of conditions! Old and new card in a comparison You can see the pictures of my own cards, because I use them myself and report of my own experiences. … read more

Open a bank account in Germany?

Many people from Germany and abroad use our special portal to inform themselves about the best possibilities of an account opening in Germany.

A brief overview for you:

  • DKB Visa Card

    Our #1 recommendation for German citizens: DKB Visa Card


    The free current account of the Deutsche Kreditbank (DKB) is one of the most popular bank accounts in Germany. The distribution of this current account to people outside Germany is also quite high, because the account could be opened easily from abroad until 2014.

    Currently, a place of residence in Germany, Austria or Switzerland is required for the account opening. Exception: You are a German citizen and possess a German passport. In this case, you can open the account via the online application with legitimating through a video chat from almost every country in the world.

    You can learn more about the DKB-account as well as its clever application possibilities on this page ► DKB Cash with Visa Card – free of charge!

    One of the most popular German banks

  • Comdirect Visa Card

    Quite similar to the DKB: Comdirect Visa Card


    The Comdirect Bank also offers a free current account with Visa Card.

    With a corresponding connection to Germany and German language skills, the account can also be opened with a place of residence abroad. You can find details on this page ► Opening the Comdirect current account successfully.

    General information about the Comdirect, account, card, deposit and its clever use can be found here ► Comdirect Bank: free account and card!

    Account opening possible from many countries

  • ING-DiBa Karten

    Very renowned bank!


    As in many other countries around the world, there is also a subsidiary of the “ING” in Germany. The bank is called ING-DiBa in Germany and also offers an interesting free current account.

    As common at the ING in other countries, one needs to have a domestic place of residence to open an account – so in Germany. One can take the account and even the credit lines to the abroad, if one is moving later on (the account can be continued despite a foreign residence). You can learn more details in this unique article ► ING-DiBa current account as a completely underestimated option for German expatriates!

    Residence in Germany required at the time of account opening

  • Individual card design

    Individual card design possible


    This is not free, but perhaps an interesting option for many people ► The Onlinekonto of PayCenter. The account opening is virtually guaranteed, because there is no creditworthiness check. Unlike the above mentioned bank accounts, one can also use it as a business account. Even at a place of residence abroad.

    Soon, there will be a user interface in English language. The customer service is already bilingual (German  / English). One is also working on a possibility to legitimate through video camera to avoid a trip to Germany. You could even open the account already today and use it partially until the complete legitimating.

    Use as a business account possible

What happens next?

If you are here on this special portal, you probably have some questions about the account opening in Germany. Please take a look at the further articles. Many questions of readers are answered through them. If your question should not be mentioned, you can find a comments box below almost every article to post your questions and additions. You are welcome to make use of it!

We hope you enjoy the discovery, opening and clever usage of German bank accounts!

Family Janecke and Team

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Bank Account Opening in Germany

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My own current account:

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