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 better Deutsche Bank

Free DKB better than fee-based premium accounts?

2.2.2019:  Many cannot imagine that a free current account can be superior to a fee-based current account. DKB current account = PremiumKonto (premium account) (apart from one exception ► see comparison) Deutsche Kreditbank Deutsche Bank Basic fee per month free of charge! Euros 11.90 Application ► online ► online Account management and cards Transactions (transfers, standing orders, etc.) … read more

Revolut Checking

Turn Revolut into main current account?

15.1.2019:  Guest article by Martin In our country, most people recognize N26 as the epitome of Fintech. Push-notifications, real-time settings of the cards and more. Revolut can do all this since long. Revolut is some kind of international N26 – which is what N26 wants to be since long Revolut qualifies itself by a lot of features that … read more

loan self employed

Loans for self-employed persons and freelancers in Germany

9.1.2019:  Most online banks do not grant loans to self-employed persons. The ones that do, are presented to you with details in this articles. Why is that important? So that you do not apply for a loan at a bank, at which you would not have chances anyway. As no bank is annoucing to whom they are not … read more

german business account

Open a business account online in Germany for an abroad company

2.1.2019:  It is probably no the perfect solution for everybody. However, it is a solution with which many entrepreneurs and companies can (transitionally) live. What do you think of these bank services? free current account with a German account number (DE-IBAN) receive transfers in EUR (free of charge) send money (low fees) comfortable management through online-banking or banking-app … read more

n26 love

N26 ► Recap

27.12.2018:  Will N26 ascend again into the exclusive circle of our top banks? Take a look at the new smart details of this Smartphone-bank that Martin has prepared for us and please supplement it with your ideas, wishes and experiences. A heartly thanks! The banking world changes more and more and this even in Germany. One can hardly … read more

n26 experience

Is the N26-bank worthwhile for foreigners?

15.12.2018:  Guest article by Anna Bonelli The German account at the N26-bank can be opened online from Ireland, Italy, France, Greece, Austria, Spain and Slovakia. In the future, further countries will be added! There are many reasons, why this current account with Mastercard makes a noise also outside Germany. A short summary of the conditions that made the … read more

Apply successfully for the ING loan in Germany ✅

13.12.2018:  On this page, it is not about whether taking a loan is meaningful or not – you decide this for yourself! This page helps you to get a loan in Germany! Finally, your creditworthiness is the decisive factor. As it is your creditworthiness, it is within your area of responsability to present your creditworthiness in the online application … read more

Curve use abroad

Curve Card in the use abroad

27.11.2018:  The Curve Card is currently considered the new super credit card and it is indeed a super-tool for us smart bank customers. Thanks to it, even our community grows, because owners of the Sparkasse and Volksbank’s credit cards can try risklessly and switch-free the advantages of really smart bank products. What the Curve Card exactly is, which … read more

German Current Account

German current account of the future?

22.11.2018:  Since 2015, there have been more changes to the current accounts than in 15 years before … the changes will even accelerate more! Not everything in this article will be nice for you! But if you deal today with what is heading to you and all of us inevitably, you can belong to the winners of the … read more

comdirect secret

3 secrets for Comdirect-customers

20.11.2018:  As you perhaps know, being a frequent reader, the Comdirect belongs to one of my favourite banks since years. Today, I want to share with you three “secrets”, so that you can use the bank more optimized and maybe even like the bank a little more than before. 1. Comdirect First How would you feel, if at … 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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