Who benefits from this portal?

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

Why?

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.

open free current account

Open free current account ► without ◄ salary transfer (but with credit card)

15.11.2017:  More and more banks turn the salary payment –, partially even with a certain minimum amount –, into a requirement for the free account management. Well, and many banks generally charge account management fees or fees for the cards. Is there a free alternative? Yes! It exists … and you will find out all the important details about it. … read more

rahmenkredit strategy

Apply for a credit line before (!) instalment loan – plan the financings of your life strategically!

3.11.2017:  Just like it is meaningful to build asset with a strategy, it is meaningful to build financing options strategically for life. Never heard of it? No wonder. As in any area in life, there is also little known, partially hidden knowledge when dealing with the personal finances. In our circle of smart bank customers, we reveal such … read more

deposit cash

Deposit machine ► Deposit cash free of charge to the account!

24.10.2017:  Withdrawing and depositing cash free of charge is often the reason to not cancel a generally expensive current account at a branch bank. Some people, who switched to the free current account of the DKB have made different experiences now. They can dispose free of charge of currently of 16 deposit machines and around the clock, to … read more

DKB or Norisbank

Open account at the DKB or Norisbank?

16.10.2017:  As a frequent reader, you know that the DKB is our clear favourite since many years. Today, we have for you the direct comparison with the Norisbank – with the Norisbank, because this bank received most votes from you at the last voting! Moreover, the Norisbank issues a free credit card of the type Mastercard. Besides the … read more

DKB Visa Card

DKB refunds foreign transaction fee

30.9.2017:  If you like to go travelling, when you visit other countries, then the DKB Visa Card has been made for you. It costs no annual fee, the DKB does not charge fees for withdrawing at the ATM and even refunds the foreign transaction fee. DKB: the most recommended credit card for journeys! How the thing with the … read more

rahmenkredit or ratenkredit

Framework Credit (Rahmenkredit) vs. Installment Credit (Ratenkredit) in Germany

8.9.2017:  Some of our recurring readers are very familiar with the differences and advantages. Please help to complete this article via the comments feature. To all (potential) credit seekers: This article is for you. We hope it will help you to get the best financing form at an advantageous interest rate. Before you conclude the credit contract, please … read more

amex payback germany

AMEX Payback in Germany: Is it smart to take the points?

24.8.2017:  On this page, you will find out in detail, why the American Express Payback Card obviously is a good credit card for smart bank customers. You will learn the advantages and disadvantages of the card and find out at the end of the article, why it is meaningful to collect the Payback-points. The advantages of the card … read more

framework credit

Rahmenkredit (Framework Credit) ► How I got 25,000 Euro - immediately ... and how you can do that, too!

31.7.2017:  In this article I will show you, how I have received – despite a not particularly high income[1] – a framework credit in the amount of 25,000 Euro immediately after the online-application. You will learn how to do this as well, and why the set-up of a framework credit (in German: Rahmenkredit) makes sense. The Best: The … read more

DKB vs ING-DiBa

Open an Account at DKB or ING-DiBa?

30.6.2017:  When one wants to open a new free giro account, it makes sense to perform a comparison between DKB and ING-DiBa, because: They are the two leading direct banks. One has the most customers in total, and the other has the most (free) Visa cards in the customers’ wallets. There is an important reason for those two … read more

onlinekonto english

Open Current Account in Germany! (English speaking)

12.5.2017:  Finally, the time has come: From now on, you can open a current account in Germany, which: is completely available in English language: Procedure of the account opening Online banking Customer service (phone/e-mail) Includes a MasterCard (individual card design possible) Includes a DE-IBAN (important, if you want to apply for a loan in Germany) Can even be … 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

    DKB

    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

    Comdirect

    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!

    ING-DiBa

    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

    Onlinekonto

    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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apply for free DKB account with credit card
We help to open the right bank accounts and use them cleverly.

Free Current Account

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