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 or ratenkredit

Framework Credit (Rahmenkredit) vs. Installment Credit (Ratenkredit) in Germany

8.9.2017:  Some of our recurring readers are very familiar with the differences and advantages. Please help to complete this article via the comments feature. To all (potential) credit seekers: This article is for you. We hope it will help you to get the best financing form at an advantageous interest rate. Before you conclude the credit contract, please … read more

amex payback germany

AMEX Payback in Germany: Is it smart to take the points?

24.8.2017:  On this page, you will find out in detail, why the American Express Payback Card obviously is a good credit card for smart bank customers. You will learn the advantages and disadvantages of the card and find out at the end of the article, why it is meaningful to collect the Payback-points. The advantages of the card … read more

framework credit

Rahmenkredit (Framework Credit) ► How I got 25,000 Euro - immediately ... and how you can do that, too!

31.7.2017:  In this article I will show you, how I have received – despite a not particularly high income[1] – a framework credit in the amount of 25,000 Euro immediately after the online-application. You will learn how to do this as well, and why the set-up of a framework credit (in German: Rahmenkredit) makes sense. The Best: The … read more


Open an Account at DKB or ING-DiBa?

30.6.2017:  When one wants to open a new free giro account, it makes sense to perform a comparison between DKB and ING-DiBa, because: They are the two leading direct banks. One has the most customers in total, and the other has the most (free) Visa cards in the customers’ wallets. There is an important reason for those two … read more

onlinekonto english

Open Current Account in Germany! (English speaking)

12.5.2017:  Finally, the time has come: From now on, you can open a current account in Germany, which: is completely available in English language: Procedure of the account opening Online banking Customer service (phone/e-mail) Includes a MasterCard (individual card design possible) Includes a DE-IBAN (important, if you want to apply for a loan in Germany) Can even be … read more

car loan germany

Car loan in Germany

28.3.2017:  More than 95% of all new car purchases in Germany are financed. Used cars are bought in cash or also financed with a car loan depending on their conditions. More and more banks show themselves open to the financing of used cars. On this page you will learn: the most important requirements for a successful loan application … read more

emergency visa card

Emergency Visa Card by German DKB bank

23.3.2017:  In the afternoon, I reported the loss of my card to the hotline, three hours later, I received the emergency cash and in the morning, the emergency-Visa-Card arrived by express messenger. What had happened? On the way to the USA, my DKB Visa Card got lost. Stolen or lost? I do not know. After searching through all … read more

DKB Julia

Experiences with the DKB-credit card

6.3.2017:  Last summer, Julia (22) came asking for advice to this special portal and as a consequence of her subscription to the Sunday mail, a nice exchange regarding the most adecuate credit card for her upcoming stay in the USA arose. Free, but powerful! Back then, I recommended her two thrilling credit cards. Julia opted for the DKB. … read more


Overdraft facility immediately at account opening – even without incoming salary transfer!

3.2.2017:  For someone, who attaches importance to a good overdraft facility, the free current account of the ING-DiBa is an outstanding option, because: the amount of the overdraft facility is generally three times (!) the monthly salary payment the overdraft facility is valid to its full amount from the day of account opening (immediate overdraft facility) the actual … read more

international transfers

International wire transfers

30.1.2017:  by Christian Funke In the context with international wire transfers, there are myths, uncertainties and a whole bunch of terms that are not sorted at all. Finally, high costs are created that should not have been necessary. Without a detailed knowledge, it is difficult to ensure that the receiver gets the exact amount, even if one bears … 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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apply for free DKB account with credit card
We help to open the right bank accounts and use them cleverly.

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The best way to get a loan in Germany!


The DKB credit card of  Germany

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