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.

Used car loan

Used car loan – where is it cheap?

26.10.2021:  I rented new cars on my travels in Northern America multiple times. But for my business and personal use at home I have always bought used cars so far. Purchasing a used car in good condition is economical and makes sense unless one’s car is also a hobby or bought as status symbol. The average price of … read more

DKB Konto

Free DKB-account for everyone?

21.6.2021:  Officially, the bank has not admitted anything yet. However, through different chanels up to subpages of dkb.de, there were bit by bit announcements published in the past weeks that make us suspect major changes. One can assume that the reactions at the market are closely observed in the Berlin headquarters and there will possibly be further adjustments … read more

n26 norisbank

Current Account Comparison: N26 or Norisbank?

20.5.2021:  Today, we juxtapose two banks from the second row in a comparison. With second row, we refer to the fact that we do not present these two banks as frequently as e.g. the DKB, Comdirect and ING. As a consequence, it is notable that our community uses the N26 and Norisbank rather for a secondary account than … read more


Deposit at BullionVault without fees of an international transfer (with a little detour)

17.5.2021:  Many people that read this article do not yet have an account at BullionVault and this is why I start out with a screenshot for your motivation: Fair: BullionVault calculates the profit after all costs. In the past, purchase and storage fees have been the critique points of bank account savers compared to asset investments, such as … read more

wise revolut

Comparison: Wise vs Revolut Account

29.4.2021:  An additional account abroad grows in popularity – especially if it has no monthly account management fee and offers a German user interface, as well as a German customer service. In the European area, the two providers Wise and Revolut have reavealed to be the leaders. Many people of our community have accounts and cards already at … read more

Schufa Irrtum

Presumption of worse Schufa-Score refuted!

25.4.2021:  It has been claimed for years that one should not have more current accounts than absolutely necessary. In order to improve the Schufa-Score, one should even cancel credit cards. Even our portal was not free from it, as shown by this guest article of a financial journalist. First-class Schufa-ranking despite various accounts and cards! In the past … read more

Wise TransferWise

From "TransferWise" to only "Wise" – but the services grow!

14.4.2021:  Whether the name shortening really has been chosen “wisely”, I do not want to assess. I liked the catchy name TransferWise (TW) very much. The second half of the word has often been written wrongly. How this will develop in the future, given the missing of the prominent “Transfer”, remains uncertain. It actually is a pity, because … read more

comdirect visa debit card

Comdirect free Visa Debit Card

5.4.2021:  Being an existing customer, you automatically get another card free of charge to your free current account at the Comdirect: Not a customer yet? You can change that – without minimum incoming money flow 1 – here: Order the current account with Visa Card at the Comdirect (free of charge) » Advantages of the Comdirect Visa Card … read more

depot im ausland

Comparison Captrader & Lynx

29.3.2021:  After our lastest securities account comparison of German providers, we had a request from our community for providers abroad with good conditions and we know the following from experience: German-speaking customer service. One of the biggest providers internationally is Interactive Brokers with their headquarters in New York, USA. You can only become a customer there, if you … read more

advanzia comparsion

Apply for the Gebührenfrei Mastercard Gold and use it smartly – my experiences

16.3.2021:  Introduction: As we can recognize the new trend that Visa cards and Mastercards are not issued or are only issued for a fee as “true” credit cards at current account holding directs banks, such as the Comdirect, DKB or ING, it is again time to look for supplements. One option could be the “gebührenfrei Mastercard Gold” (fee-free … 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

Click to rate this post!
[Total: 61 Average: 4.6]

Great new option:

N26 Mastercard
We help to open the right bank accounts and use them cleverly.
Bank Account Opening in Germany

New instructions:

The best way to get a loan in Germany!

My own current account:

apply for free DKB account with credit card
known from:
Der Privatinvestor Bayern 1 Travelbook Spiegel Online Wirtschaftswoche Zeit Online