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.

loan lump sums germany

Secret: Whether you get a loan in Germany often depends on where you apply for it!

8.12.2020:  Have you ever noticed that you have to state your exact income at the loan application, but not your expenses? In any case, except for the actual rent costs or possible installments of existing loans. This is due to the fact that banks substract the expenses of the loan applicant with lump sums within the “expenditure account”. … read more

Open Free Current Account with Branch

Free Current Account with Branch Office in Germany

2.12.2020:  Yes, many of us do not need a branch office bank anymore and therefore we have a DKB or ING account. Nevertheless, there are people who prefer the personal contact for some bank services. This article has been produced for them. Of course, we all can take part in it and supplement it using the comments feature … read more

free business account Germany

Fyrst: Free Business Account in Germany

1.10.2020:  With great joy, I find out that there is currently an increasing number of sideline business creations. This is a good sign for the future. Even if business creations are implemented in front of the uncertainty of a crisis, they can develop a whole lot of positive energy that so far bystanders come to have better thoughts … read more

arbeitslos meldung

Unemployed? You, being customer, have to report that to the ING!

28.9.2020:  At first, we thought it is a bad joke – but it is not April anymore. About the facts: New reporting obligation about the change of the employment relationship, AGB (Terms and Conditions) 11 (6) The newly introduced Paragraph 6 of Number 11 of the General Terms and Conditions – valid from the 1st of November – stipulates … read more

corona loan

"Corona-Loan" for private persons

22.9.2020:  Many of our subscribers of various years have already set up their personal credit line system. The key to it is the 5-credit-lines-system as a supplement to our account system. Perhaps you are not with us since long or have been guided to our smart bank customer community through a recommendation. This article shows you how to … read more

Schufa-free current account

Open a Schufa-free current account …?

29.8.2020:  Yes of course, our subscribers already have a fabulous main account and many already a secondary account as well. It is also known that “too many” current accounts that are entered into the Schufa or a too fast switch (probably) do not have a very good impact on it. Advice: Do not switch “Schufa-entry-required” current accounts too … read more

bitwala sparkasse

Bitwala or 1822direkt (Sparkasse)?

18.8.2020:  Of course, this is a hypothetical question, with which we hope to initiate an interesting discussion through the comments feature. Before doing that, we will take a look into the comparison of the accounts of Bitwala and 1822direkt, a new connecting link between the digital currency industry and the real banking system, as well as a “granny-bank” … read more

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

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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Bank Account Opening in Germany

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apply for free DKB account with credit card
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