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.

DKB open account

… before you open a DKB-account!

12.8.2020:  There are two use options: main account sideline account (secondary account, housekeeping account, vacation account, reserve account, etc.) You won’t find such a division in the price-service-listing. The division is made with the use. This is most obvious at the limits. Use the secondary account with the functionality of a main account? You can find tips at … read more

secret loan

Secret loan from a bank abroad – discrete option for smart bank customers?

8.8.2020:  Even if the here presented option is nothing for you today, please do not discard it immediately. Keep this page in the back of your head or save it. You can also recommend it to others. Many thanks! A. Few known backgrounds are coming to the light A.1 People with a “negative Schufa” Yes, there are people … read more

Aufsteiger Training English

1,000 days of Aufsteiger-Training (Achiever) – Peek through the key hole

1.8.2020:  When the first interested parties from the circle of smart bank customers watched the opening presentation in early 2017, the goal was clear: Achieve the financial freedom within (only) 7 years! The steps between were not clear back then. However, some people have contributed, people who already went down that path. This is similar to a mountain … read more

N26 customers

Open account at N26 – yes or no?

18.7.2020:  149 smart bank customers have participated in our survey about N26 and have reported about their experiences with the bank N26. Thank you very much for everything! On this page you receive the prepared evaluation. We hope that it will be a good base for taking your decision, whether you will decide for an account opening – or … read more

Prämie Norisbank

€ 100 Bonus for an account opening account use …

6.7.2020:  Get Euros 100 from the Norisbank as a bonus for the account opening + active use? If you want it, click here ► www.norisbank.de ✅ What do you have to do to get Euros 100? You have to open the current account online. You have to use the online account switching service and redirect at least 5  … read more

dkb account

Open the DKB as a secondary account and use it meaningfully with overdraft facility!

25.6.2020:  Of course, I am a fan of the DKB and use its account since 2004 as my main bank account. However, there are people, who already have a good bank account and only want to (provisionally) open a secondary account at the DKB and use it. For you, this article has been divided into 3 acts. Act … read more

Kurzarbeit Loan

Loan at "Kurzarbeit" short-time work?

9.6.2020:  Since 2017 – and especially notable during autumn 2019 and in the early 2020 – we showed our fans how to get set up a free credit line as a provision. Costs (interest) would only apply at its use. Up to this point of time, you would have created a provision for an emergency in a meaningful and free … read more

Richard Banks Transferwise

Open secondary account abroad

18.5.2020:  Open the free account at TransferWise » The primary motivation of this article is not getting money abroad in order to remain able to act in the case of an account blocking – for whatever reason –but to build a second line in order to be able to act at technical defects. The technical failures have become more frequent … read more


A beautiful new (financial) world

22.4.2020:  Have you seen the movie Matrix? In this movie, the main character Neo is offered to swallow a blue or a red pill: With the blue one, you get back to the world that you have previously known. The red one will lead us to the truth and we will start to see the world from a … read more

transferwise real time

TransferWise: Transfer in Real Time

16.4.2020:  As a sequel to the article “TransferWise as a current account alternative”, I have implemented and documented a transfer from my TransferWise-account to the DKB-account for our frequent readers. I received an e-mail immediately after sending the transfer: Of course, I logged into the DKB right away: Before we take a look at the transfer steps, our … 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

[Total: 55   Average: 4.7/5]

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

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The best way to get a loan in Germany!

My own current account:

apply for free DKB account with credit card
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