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.

Wise TransferWise

From "TransferWise" to only "Wise" – but the services grow!

14.4.2021:  Whether the name shortening really has been chosen “wisely”, I do not want to assess. I liked the catchy name TransferWise (TW) very much. The second half of the word has often been written wrongly. How this will develop in the future, given the missing of the prominent “Transfer”, remains uncertain. It actually is a pity, because … read more

comdirect visa debit card

Comdirect free Visa Debit Card

5.4.2021:  Being an existing customer, you automatically get another card free of charge to your free current account at the Comdirect: Not a customer yet? You can change that – without minimum incoming money flow 1 – here: Order the current account with Visa Card at the Comdirect (free of charge) » Advantages of the Comdirect Visa Card … read more

depot im ausland

Comparison Captrader & Lynx

29.3.2021:  After our lastest securities account comparison of German providers, we had a request from our community for providers abroad with good conditions and we know the following from experience: German-speaking customer service. One of the biggest providers internationally is Interactive Brokers with their headquarters in New York, USA. You can only become a customer there, if you … read more

advanzia comparsion

Apply for the Gebührenfrei Mastercard Gold and use it smartly – my experiences

16.3.2021:  Introduction: As we can recognize the new trend that Visa cards and Mastercards are not issued or are only issued for a fee as “true” credit cards at current account holding directs banks, such as the Comdirect, DKB or ING, it is again time to look for supplements. One option could be the “gebührenfrei Mastercard Gold” (fee-free … read more

Comparison: DKB + ING + Comdirect

Comparison: DKB + ING + Comdirect

26.2.2021:  “Our” three main current account banks have adjusted their conditions in order to maintain themselves for the future. As there are partially changes on the way for us bank customers, you can see the new detailled comparison here:   DKB ING Comdirect Account management fee per month free of charge free of charge if fulfilling one of … read more

Is the Quantum-Financial-System around the courner?

22.2.2021:  André Kostolany, one of my role models from my youth, said: Yes, our financial system is a fraud – but a damn good one! He did not see – during his time – any better alternative. Are we more evolved today? Some say no They say, “If the existing financial system will break down, there will be death and … read more


Trade Republic stops the squeeze and then apologizes to us …

15.2.2021:  Most of our readers did not catch it or have only observed it a little. We will address this case in our Sunday-mail, because it could be pioneering for the future. What happened? (rough summary) Most private investors buy shares and leave them. Their gain consists in the regular dividend payments (when the companies distribute profits among … read more

dkb change

DKB Changes: Cancel account? Or open it now more than ever!?

8.2.2021:  The DKB with more than 4.5 million customers – main product is the free current account “DKB Cash” – is the German “bank leader”. When it changes some decisive conditions, then similar conditions change at other direct banks shortly after. However, they were most often not able to keep pace. Whether this also applies to the current changes, we … read more

P Konto Germany

Open a "P-Konto" (account with seizure protection) in Germany

25.1.2021:  This is our recommendation for a secure “P-Konto” (account with seizure protection) – why and the background in the article. The most important data briefly: Withdrawing cash free of charge around the globe (1 × month) Incoming transfers free of charge (5 × month, then 50 cent each) Payments in Euros with the Mastercard are always free of charge … read more

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 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

[Total: 58   Average: 4.7/5]

Great new option:

N26 Mastercard
We help to open the right bank accounts and use them cleverly.
Bank Account Opening in Germany

New instructions:

The best way to get a loan in Germany!

My own current account:

apply for free DKB account with credit card
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