Who benefits from this portal?

Why?

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.

BBVA current account now in Germany

25.8.2025:  Since summer 2025, the German banking market has seen an interesting new player: BBVA – one of the largest financial groups in Spain – now offers a digitally managed current account here as well. What makes the BBVA account interesting: 3% interest for new customers, Free current account with no conditions, and Cashback on card payments. Behind … read more

Germany: Keep your oldest current account, even if it costs fees!

27.6.2025:  My first checking account was with Mittelbrandenburgische Sparkasse. I no longer have it today because, once I started earning money, it became subject to fees. My second checking account is with DKB. Back then, it was absolutely top class! It’s the oldest one I have, opened in 2004. Although there are now many other very good checking … read more

Free current accounts with the standing order carousel

13.4.2025:  More and more banks have established the practice of making fee-free account management dependent on a minimum monthly deposit. At our three top banks in Germany, which we monitor on an ongoing basis, the minimum amount of 700 euros has been maintained for years. ING hast increase this to 1,000 euros on 1.12.2024. A good opportunity to … read more

Free Current Account in Germany for Low-Income, Unemployed, or People with Negative Credit History

14.5.2023:  If you want a free current account in Germany, most banks require good to excellent creditworthiness in order to even open the account. To keep account management and other services free of charge, most major online banks have established a minimum monthly income of 700 euros (for example DKB, ING, comdirect). German banks are the first choice … read more

Used car loan – where is it cheap?

26.10.2021:  I rented new cars on my travels in Northern America multiple times. But for my business and personal use at home I have always bought used cars so far. Purchasing a used car in good condition is economical and makes sense unless one’s car is also a hobby or bought as status symbol. The average price of … read more

Free DKB-account for everyone?

21.6.2021:  Officially, the bank has not admitted anything yet. However, through different chanels up to subpages of dkb.de, there were bit by bit announcements published in the past weeks that make us suspect major changes. One can assume that the reactions at the market are closely observed in the Berlin headquarters and there will possibly be further adjustments … read more

Current Account Comparison: N26 or Norisbank?

20.5.2021:  Today, we juxtapose two banks from the second row in a comparison. With second row, we refer to the fact that we do not present these two banks as frequently as e.g. the DKB, Comdirect and ING. As a consequence, it is notable that our community uses the N26 and Norisbank rather for a secondary account than … read more

Deposit at BullionVault without fees of an international transfer (with a little detour)

17.5.2021:  Many people that read this article do not yet have an account at BullionVault and this is why I start out with a screenshot for your motivation: Fair: BullionVault calculates the profit after all costs. In the past, purchase and storage fees have been the critique points of bank account savers compared to asset investments, such as … read more

Comparison: Wise vs Revolut Account

29.4.2021:  An additional account abroad grows in popularity – especially if it has no monthly account management fee and offers a German user interface, as well as a German customer service. In the European area, the two providers Wise and Revolut have reavealed to be the leaders. Many people of our community have accounts and cards already at … read more

Presumption of worse Schufa-Score refuted!

25.4.2021:  It has been claimed for years that one should not have more current accounts than absolutely necessary. In order to improve the Schufa-Score, one should even cancel credit cards. Even our portal was not free from it, as shown by this guest article of a financial journalist. First-class Schufa-ranking despite various accounts and cards! In the past … 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:

• 

  Our #1 recommendation for German citizens: DKB Visa Card

  DKB

  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

• 

  Quite similar to the DKB: Comdirect Visa Card

  Comdirect

  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

• 

  Very renowned bank!

  ING-DiBa

  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 possible

  Onlinekonto

  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