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.

rahmenkredit now

Best credit line: Ensure it now!

4.10.2019:  The article Credit line – how I got Euros 25,000 immediately and you can get it too became legendary in the meantime and, if you do not know it already, it is absolutely a reading recommendation. In this article, I share my experiences with the credit line with you and you get two variants of a “plan B”. … read more

Get the money back from Canada

Get the money back from Canada

2.9.2019:  There are people, who have bought a property in Canada years ago and have resold it in the meantime. Now, the money is in a Canadian bank. How can you get it back? This article presents a solution that I use myself. Of course, it is also valid for other money transfers. TransferWise, my best service provider … read more

Account and credit card for domestic help

Account and credit card for domestic help

24.8.2019:  About four million households get help for cleaning, cooking, shopping and childcare creating sideline jobs. Does your help also go grocery shopping for you or would that be an idea for supplementing this service? This article may inspire you and you receive a specific instruction on how to make your financial accounting much easier, hence you obtain … read more

DKB free account opening

Open another free DKB-account

16.8.2019:  For most readers, it will be the 2nd DKB-account … however, the shown below also applies to the 3rd or 4th free account at the DKB. If you not yet have an account, then open your first DKB current account ► here. If you potentially need further accounts, you already know that you start at the right bank. … read more

Comparison: DKB ⇌ TransferWise

Comparison: DKB ⇌ TransferWise

27.7.2019:  Requested by our community: Comparison of the DKB current account with Visa Card and the Borderless-Account of TransferWise with Mastercard. Both are free and in German language. Beforehand: For me, it is not an either/or question, but an interesting combination within Germany and on journeys. However, please take a look yourself: DKB account with Visa Card TransferWise … read more

withdraw money roatan

Withdraw money on Roatán ⇒ Best Practice ✅

13.7.2019:  Do you even have to withdraw cash when you visit Roatán? If you only have a few hours of shore leave from a cruise liner, then you can save yourself from that in most cases. You can pay with US-Dollars in many places. However, the change is given in the local currecy Lempira (HNL) (Exception: within the … read more

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

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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