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.

ING Account Opening

Become a customer at the ING guaranteed ✅

11.6.2019:  Perhaps you found this blog article after your application on account opening of the ING current account or the setup of the wonderful credit line has been rejected. If you are searching for a solution, then you are at the right spot. This article has been written for you! Initial situation: The strainer! A bank that offers … read more

credit lines

5 credit lines that you can combine wonderfully (for smart bank customers in Germany)

26.4.2019:  There are people, who will reject the following. Mainly because they are afraid of uncontrolled indebtedness. They key lies within in the word “control”. When someone knows, what he/she is doing, because he/she acquired financial knowledge, then the use of borrowed capital (loan) is something completely normal. Most of the physical accomplishments of our company were financed … read more

DKB cash Withdraw

DKB ↝ Withdraw money really free of charge?

2.4.2019:  Starting point for this article was the question by Achim in the internal area of our community: I am currently still at the Deutsche Bank and want to switch to an online bank, because it has gotten quite expensive. If I go e.g. with the DKB Visa credit card to the Sparkasse and withdraw € 100 at … read more

Apply for credit line through another person

Apply for credit line (Rahmen­kredit in Germany) through another person?

20.3.2019:  Overview Idea Example “Olaf” Example “Marta” Overview Private loan contract Questions If the use of the money from the credit line – as offered by the ING Bank – is absolutely free to choose, then you can also borrow this money to someone else. Can’t you? Yes, absolutely correct! This article is about the ideas and risks that … read more

The best secondary accounts

The best secondary accounts from our community ✅

13.3.2019:  What benefit can you get from this page? Double: You see at first sight for which bank the “croud” has decided for. Interestingly, these are exactly the three best current accounts of Germany, as we have selected them in this blog article in the year 2016. That means for you: You can’t do wrong with the opening … read more

ING open joint account

Open the ING joint account in Germany

28.2.2019:  1 Joint account = 1 current account with 2 account holders. Both customers have the same rights of the account. That means that each one receives an own access to the online banking, each a Visa Card, a Girocard and an own telephone PIN. The account management is free of charge at the ING (Germany) including all … read more

ING or N26 account opening?

Open ING or N26 current account?

21.2.2019:  You do not open a current account every day. Therefore, it is meaningful to take the decision of choosing the provider prudentially. The comparison as well as the experiences and tips of the editorial and community will help you finding the best option for you, open the account successfully and coping fast with the new bank. Comparison: … read more

DKB better Deutsche Bank

Free DKB better than fee-based premium accounts?

2.2.2019:  Many cannot imagine that a free current account can be superior to a fee-based current account. DKB current account = PremiumKonto (premium account) (apart from one exception ► see comparison) Deutsche Kreditbank Deutsche Bank Basic fee per month free of charge! Euros 11.90 Application ► online ► online Account management and cards Transactions (transfers, standing orders, etc.) … read more

Revolut Checking

Turn Revolut into main current account?

15.1.2019:  Guest article by Martin In our country, most people recognize N26 as the epitome of Fintech. Push-notifications, real-time settings of the cards and more. Revolut can do all this since long. Revolut is some kind of international N26 – which is what N26 wants to be since long Revolut qualifies itself by a lot of features that … read more

loan self employed

Loans for self-employed persons and freelancers in Germany

9.1.2019:  Most online banks do not grant loans to self-employed persons. The ones that do, are presented to you with details in this articles. Why is that important? So that you do not apply for a loan at a bank, at which you would not have chances anyway. As no bank is annoucing to whom they are not … 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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Bank Account Opening in Germany

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