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credit card DKB or ING-DiBa?

Credit card of DKB or ING-DiBa better?

7.2.2018:  Not every person wants to switch the current account to a direct bank. For some people, it is enough to have a free credit card to the existing current account at the Sparkasse and the like. The customer-richest direct banks DKB and ING-DiBa offer their free Visa Card only in combination with a free current account. How … read more

Overdraft expensive or cheap?

1.2.2018:  Which is the best month for banks? December. Why? In the yearly average, every fourth current account is in the red. In December, this value increases. More accounts are in the red and the amount per account is higher. In general, especially the Sparkasse should rejoice; its average overdraft facility interest rate is at 10.47 per cent. … read more

transfer real estate

International transfers for real estates (purchasing/selling)

23.1.2018:  Due to my activities in America, I am frequently asked on how to transfer higher amounts at best cheaply and safe or how to get them back from abroad to Germany. The background of my question is often the purchase or sale of real estate abroad, business or emigration. But sometimes also a special car, which could … read more

Sparkasse vs DKB vs ING-DiBa

The end of the free current account?

16.1.2018:  In the end of the 1990s, the triumph of the free current account – first as a salary account, later completely without requirements. Drivers were the new direct banks, who wanted and also had to acquire customers. At first, a trend towards secondary and third account developed – as it was free of charge. Now, it passes over to … read more

ING-DiBa use aboard

ING-DiBa for the use abroad

11.1.2018:  The ING-DiBa is Germany’s biggest direct bank and this has an important reason: It is the optimal bank within Germany for a whole lot of people regarding price, performance, product scope and service. How does it look like with the use abroad? First of all, I show you the conditions for the use abroad and depict my … read more

good current account germany

Euros 30,000 overdraft facility on the free current account without salary transfer ✓

29.12.2017:  In this article, we share with you a strategy of how to get a current account with a connected credit line of Euros 30,000 or more. It provenly works! Of course, not for everyone. You need a regular income; however, this does not have to be transferred to the bank. An electronic proof is enough. You also … read more

apply credit line

Set up the credit line cleverly ► Part 2

22.12.2017:  Due to the many replies to the article “How I got a credit line of Euros 25,000”, we have a second part today, with: new details and tips answers to your important questions feedback of granted credit lines a link-tip for all trainees/students and self-employed persons among us. Through the information of this article, the probability to … read more

Why TransferWise for international transfers?

15.12.2017:  As you might know, being a regular reader, I have legal foreign accounts since years, not just because of journeys, but also because of business partners in other currency areas. For the money transfer, I preferably use TransferWise. When I was in London some days ago, I visited the company – as so often with the camera … read more

open free current account

Open free current account ► without ◄ salary transfer (but with credit card)

15.11.2017:  More and more banks turn the salary payment –, partially even with a certain minimum amount –, into a requirement for the free account management. Well, and many banks generally charge account management fees or fees for the cards. Is there a free alternative? Yes! It exists … and you will find out all the important details about it. … read more

rahmenkredit strategy

Apply for a credit line before (!) instalment loan – plan the financings of your life strategically!

3.11.2017:  Just like it is meaningful to build asset with a strategy, it is meaningful to build financing options strategically for life. Never heard of it? No wonder. As in any area in life, there is also little known, partially hidden knowledge when dealing with the personal finances. In our circle of smart bank customers, we reveal such … read more

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N26 Mastercard
We help to open the right bank accounts and use them cleverly.

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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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