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.

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

transferwise checking

TransferWise as current account

10.3.2020:  TransferWise is no current account like we are used to by DKB or ING. However, TransferWise can take services for people, who want to create an alternative or supplement for themselves. Very practical: Modern account with card and app without monthly fees. Easy account opening ► https://transferwise.com/en/borderless/ ✅ Why TransferWise? This article appears in our series “German-speaking alternatives … read more

ING current account, free of charge

ING current account in Germany free of charge, if:

4.3.2020:  you are younger than 28 years or you arrange to transfer a monthly incoming salary of Euros 700 or more to the account. Do you fulfill these conditions? If so, you can go ahead and happily open the account: Open the ING-account (bonus of € 50) » Bonus of Euros 50 for people with incoming salary transfer! If you … read more

standing order DKB visa card

Standing order to the DKB Visa Card

26.2.2020:  Yes, there are some of us who have opened the DKB-account anew or who want to open it. Due to the fact that the bank does not know you yet, you normally will get set up an initial credit line of Euros 500 for the current account as well as for the corresponding credit card (DKB Visa … read more

neo banks

Open test account at a neo-bank in Germany?

23.2.2020:  The classic division into branch bank and direct bank has been supplemented by “Fintechs” in the past years – technology-driven startups in the financial industry. Not everything that customers won, was a bank, although banking services have been offered. One just made use of a “nameless” bank in the background. In the front, there was and is a … read more

ING Deposit

Deposit money free of charge at the ING

11.1.2020:  Everyone, who has already a permanently free current account at the ING (formerly ING-DiBa), can immediately use the absolutely free possibility of depositing cash. Everyone else can ► open the account here and soon take advantage of this and further advantages of the ING. This is how the deposit works: … open the account now free of … read more

Norisbank Account Opening

Norisbank: Why I would not open a free account …!

4.1.2020:  Yes, I know: Some people of our community use the free current account of the Norisbank, in order to deposit cash free of charge through the machines in the branch offices of the Deutsche Bank and then again transfer free of charge to their main current account. An account opening for this purpose is indeed meaningful, because … read more

Current account comparison: DKB and Commerzbank

17.12.2019:  Due to the fact that the Commerzbank has announced to “swallow” the Comdirect and take it from the market and as a consequence some smart bank customers will become again involuntarily a branch bank customers, the time has come to present a new comparison. In this comparison we use the current Commerzbank-conditions, even if Martin Zielke‎, CEO … 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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