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.

Best credit lines in a comparison

Best credit lines in a comparison ✅

6.10.2018:  As you perhaps already know, I have a credit line at both of the following providers. They are by far the leading banks in this special segment! Due to the fact that not every application is approved at the first time, this comparison helps you taking the decision at which bank you should apply first. Questions? Help? … read more

Loan rejected?

Loan rejected? Tips for Try No. 2

28.9.2018:  Sometimes, people only become aware of our special portal, when they google in the Internet searching for the reason of a loan rejection. Upfront: You will never find out the true reason, because this is never told. Assumptions do not further help you, because they are an excuse and stick to the status quo (= no loan). … read more

Postbank Business Account

Open the business account of the Postbank?

19.9.2018:  In the past 2 years, a hand full of start-ups, which offer a Smartphone-based (partially free) business account with Mastercard, arrived at the market. We took a look at all of them! Moreover, we also peeked into the business account of the Sparkasse and Volksbank, as well as of the Deutsche Bank and Commerzbank. Finally, we decided … read more

Barclaycard Visa

New Barclaycard Visa: Now better?

6.8.2018:  Barclaycard discontinues the for many years successful and repeatedly rewarded Barclaycard New Visa. Its successor is simply called Barclaycard Visa and is elegantly black. But… Attention: considerable change of conditions! Old and new card in a comparison You can see the pictures of my own cards, because I use them myself and report of my own experiences. … read more

car loan cheap

Secret advice: Car loan in Germany

9.7.2018:  Besides investment banking (which also bears risks), banks earn most of their money through granting loans. Of course, because they get interest from money, which has been “drawn” with the loan approval. Guiding idea: Being smart bank customers, we won’t change the bank system, but we know or learn to use it cleverly! Who knows the banking … read more

deposit cash germany

Deposit cash through the Norisbank ► free of charge!

4.6.2018:  Today, you get a solution idea that I myself do not use – but some committed smart bank customers of our community: How do I deposit my cash free of charge without a local account? Prelude: local banknotes become more and more expensive Being frequent readers or customers of the Sparkasse and Volksbank, you know it: Maintaining a … read more

asset building

Asset building for kids and teenagers in Germany

23.5.2018:  The asset building for children and teenagers is easy. Especially, if you are a mother or father, as one needs you for the account opening. Sometimes, the offspring first has to convince the parents to open an account, so that he/she can already start with the asset building in early years. The most important is the time! … read more

Free credit card Germany

ING-DiBa or Barclaycard Visa?

17.5.2018:  Sometimes, free credit cards are all placed under the same umbrella, although they are very different. Which card is better suited for your individual use? With this page, we give you a conclusive comparison, so that you know already before the card application with what you engage and what you can expect from the respective provider. At … read more

Overdraft facility

Overdraft facility (interest and line) in comparison ✅

9.5.2018:  Experience tells us that people who are considerably in the overdraft, only care little about the interest rate. Perhaps this is one of the reasons, why they use it regularly? We smart bank customers value the possibility of overdrawing the account to avoid things like return debit notes and the negative consequences of them. Although we should … read more

Commerzbank or Comdirect?

Open a current account at the Commerzbank or Comdirect?

4.4.2018:  You get the answer to this thrilling question in this article. You will be recommended the best option for your use! What is most thrilling about the Commerzbank / Comdirect? The Comdirect is virtually the direct bank daughter of the Commerzbank. The Commerzbank is making itself competition since the 1990ies … or is it just clever enough to keep … 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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N26 Mastercard
We help to open the right bank accounts and use them cleverly.

Free Current Account

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Bank Account Opening in Germany

New instructions:

The best way to get a loan in Germany!
apply for free DKB account with credit card
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