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.

car loan germany

Car loan in Germany

28.3.2017:  More than 95 % of all new car purchases in Germany are financed. Used cars are bought in cash or also financed with a car loan depending on their conditions. More and more banks show themselves open to the financing of used cars. On this page, you will learn: the most important requirements for a successfull loan … read more

emergency visa card

Emergency Visa Card by German DKB bank

23.3.2017:  In the afternoon, I reported the loss of my card to the hotline, three hours later, I received the emergency cash and in the morning, the emergency-Visa-Card arrived by express messenger. What had happened? On the way to the USA, my DKB Visa Card got lost. Stolen or lost? I do not know. After searching through all … read more

DKB Julia

Experiences with the DKB-credit card

6.3.2017:  Last summer, Julia (22) came asking for advice to this special portal and as a consequence of her subscription to the Sunday mail, a nice exchange regarding the most adecuate credit card for her upcoming stay in the USA arose. Free, but powerful! Back then, I recommended her two thrilling credit cards. Julia opted for the DKB. … read more


Overdraft facility immediately at account opening – even without incoming salary transfer!

3.2.2017:  For someone, who attaches importance to a good overdraft facility, the free current account of the ING-DiBa is an outstanding option, because: the amount of the overdraft facility is generally three times (!) the monthly salary payment the overdraft facility is valid to its full amount from the day of account opening (immediate overdraft facility) the actual … read more

international transfers

International wire transfers

30.1.2017:  by Christian Funke In the context with international wire transfers, there are myths, uncertainties and a whole bunch of terms that are not sorted at all. Finally, high costs are created that should not have been necessary. Without a detailed knowledge, it is difficult to ensure that the receiver gets the exact amount, even if one bears … read more

DKB Question

Reader's question answered through video

24.1.2017:  Today in the video, I am answering some question of our reader Thomas, who dealt intensively with the smart use of the DKB-account. I am sure that the questions and answers will be thrilling and useful for many people. Moreover, you will experience me in another environment, as I am currently on a research-trip in Paraguay. Here … read more

Comdirect Account Opening

Complete Comdirect account opening

11.1.2017:  If you are facing the decision of opening a free current account at the Comdirect Bank – optionally with extras – then this article should be interesting for you. Experiences of my own account opening at the Comdirect Through this “landingpage”, I have started my account opening procedure: www.comdirect.de/cms/giro You need about 7 minutes, if you apply … read more

paraguay travel

Trip to Paraguay with investors of Miller Forest

5.1.2017:  The adventure starts beginning of December at the airport Frankfurt. It will change my personal view of South America. Besides my investor-friend Ringo and guide Pierre, who you might know from the first videos about Miller Forest, other three persons participated in the investors trip: Hanna, she rents holiday flats at the Bodensee; Fred, owner of a … read more

dkb free

5 points, why the DKB is exactly the right bank (for people like me)

28.12.2016:  When I went for a walk, the following points came into my mind. Please feel invited to supplement them with your own points and experiences and therefore, make them even more interesting for further readers. Thank you! 1. The bank is free of charge (… and this will continue)! The year 2016 is officially the year of … read more

future of bank branch offices

The future of bank branch offices and how we smart bank customers position ourselves!

25.12.2016:  Is this even a subject for us smart bank customers? Yes, because our ideas and thoughts are followed by more and more people. We can see this through our increasing number of subscriptions of our Sunday mail and you can see this through the call numbers of the channel for smart bank customers. Perhaps some become smart … 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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We help to open the right bank accounts and use them cleverly.

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The DKB credit card of  Germany

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