Obtain your account number in 2 minutes (immediate account opening)

Online Account: Immediate Opening!

Do you need an account with IBAN in Germany right away? No problem. The account opening of this online account is done in 2 minutes!

You receive your new account number right away

New account number for online account

Convenient: You receive your new account number immediately after submitting the online account application. Moreover, using the Share-Feature you can send it via e-mail or SMS to yourself, friends or business partners.

The main features:

Prepaid credit card with its own image

Optional: Possibility of different credit card designs or uploading your own picture.

  • Online current account with a Prepaid MasterCard
  • Cash withdrawals are possible around the globe
  • Transfers possible within the whole SEPA-area
  • Secure online banking (with mTAN)
  • No creditworthiness check (no Schufa query, no Schufa entry)
  • Monthly account fee Euros 9.90 plus activation charge
  • Account opening possible for German- or English-speaking people abroad
    (Legitimating via PostIdent or VideoIdent!)

Go directly to the offer ⇒ www.onlinekonto.de/mainpage.

How to open the online account

1. Fill in the online application for account opening

Use this link to go directly to the page with the online form ⇒ www.onlinekonto.de/registration/.

Online form for account opening

If you are more eloquent in English than in German: Please read the green translations.

2. Submit the online application

Everything done? Good, then click on Bestellung abschließen (Submit Order). The order confirmation (Bestellbestätigung) will appear immediately on the screen:

This is how the order confirmation looks like (screen shot)..

The order confirmation was also sent to your e-mail address. Please log into your e-mail inbox and click on the confirmation link.

Confirmation e-mail account opening

If you did not receive the e-mail in the inbox, then please take a look into your spam folder. The confirmation e-mail can be requested a second time.

3. Online account was opened

After clicking on the confirmation link, you will be forwarded to the website of the online account. Once there, you simply enter the password and your new account in Germany is opened. Your account number will immediately be shown:

Account number after account opening

Account number in the middle, online banking menu on the left hand side.

Congratulations! The account has been opened. It can now receive money.

As of now, money can be transferred to the account!

“Open your online account in just 2 minutes”

Step by Step: Please open your account now! The next article shows you how to make the legitimating and how to further set up the account (including shipping of the MasterCard).

Click to rate this post!
[Total: 13 Average: 4.5]

Who writes here?

Someone who gained experience with more than 100 banks in more than 20 countries during the past 15 years. My name is Gregor and if you click to continue you can find out why I am here and what this site is for ⇒ continue.

61 Responses to “Online Account: Immediate Opening!”

  1. Dushko says:

    Hi Gregor,

    Does this account contain Steuernummer? To have a Steuernummer i need to open a business account or i can go with personal account?

    Thank you

  2. Anna K. says:

    If i receive money through the IBAN, and if my debit card hasnt still arrived will i be able to use the funds or transfer to another bank without receiving the debit master card?

    • Gregor says:

      Yes! You can use this account immediately after identification prozess. For example: bank transfers.

      But you can sent money immediately after online opening … so in a few minutes. Because you get immediately your german SEPA account number (IBAN + BIC).

  3. Anna K. says:

    Can you explain the identification process a little bit more, because the fast 2 minutes to register can turn into days of horror asking for all kind of documents etc.

    I am highly interested in this account if it is simple verification, and if i can use it even without receiving the mastercard only through ebanking.

    Thank you!

  4. Raed says:

    I am not in Germany but I will visit the country after 7 month and in this month I will transfer 1500 EUR every month to the account or more from my country is it possible? I am leaving in KSA and every year I travel to UK and this time I want to visit Germany, and if the bank accept me how I will receive the Credit card.

  5. Redaktion says:

    There was an interesting question in another language on our special portal concerning the online account of PayCenter, which could also be interesting for our English readers.

    1) I want to open the account from abroad, but I will come to Germany only in three months. Therefore, I cannot perform the PostIdent earlier. You wrote that the account is opened immediately and that deposit transfers can already be made. Is there a deadline for the legitimating?

    There is no deadline until you have to perform the legitimating.

    If you only come to Germany in 3 months, it is okay. If it would be 6 months, it would be fine too. However, do confirm your e-mail address in the meantime and read Point 2 of the article. This way, you ensure that a communication can take place.

    Please note that you can only perform deposits until the legitimating, but no withdrawals.

    2) The highest deposit is Euros 15,000, right? Or is it that there cannot be more balance than Euros 15,000? What happens, if more money is deposited?

    It is not allowed to have a balance higher than Euros 15,000. Therefore, no deposit transfer can be higher than Euros 15,000.

    If too much money is deposited, then the amount beyond the Euro 15,000 limit will be returned to the sender.

    Account balance: Euros 12,000 
    Deposit transfer: Euros 5,000 
    New account balance: Euros 15,000 
    (Euros 3,000 will be credited to your account, Euros 2,000 will be returned to the sender).

    PS: There is the possibility of opening a second account.

    Are there any further questions about the account opening or the usage?

  6. Miki says:

    Can I receive money and send money from that IBAN account? Best regards.

  7. Villa says:

    Hi, need to open an account with iban et debit card for my uk ltd company. Is it possible? Rds

    • Gregor says:

      As you may have already read in the article above, the account opening for a foreign corporation (such as your UK Limited) is only possible, if this operates in Germany and is entered in the commercial register.

      The account opening in Germany for a foreign company that is not registered in Germany, is so complicated that hardly any bank will do it. Perhaps we will offer the service “account opening for foreign corporations” in German language in the future.

      However, the problem is that almost nobody is willing to fund these expenses. One wants the support, but for free! This is why this special portal exists and it can be used for free. The opening of bank accounts for individuals or self-employed persons with no legal structure is simple. That is why we published the instructions here. However, this is very individual for companies and cannot be optimally concluded in an article.

      Good luck!

  8. Bojan K. says:

    Hi Gregor,
    I am from Bulgaria and I would like to open an online account. Can you tell me for sure if I can complete the verification process at the postal office only with my bulgarian ID, or I need an address in Germany? (I don’t want to travel in Germany and get a refuse at the postal office.)
    Also, can you tell me excatly what are the limits to receive money for this online account: daily / weekely / monthly / year. (ex. let’s say: today I receive 14.500 EUR in my account and then I will transfer this amount into my bank account from Bulgaria. My question is: Can I receive in the very next day another 14.500 EUR in my online account and then transfer this ammount again into my bulgarian bank account?)
    Thanks in advance for your answer.

    • Redaktion says:

      Yes, an account opening with address in Bulgaria is possible. Currently, the legitimating is only carried out through the branch offices of the Deutsche Post. Bulgarian ID-cards are generally accepted. If one post office branch does not want to do it (we have already heard of such cases … but it works perfectly in our region), you simply go to another post office branch.

      Deposits up to Euros 15,000 may take place anytime. The account balance cannot be more than that. If you transfer Euros 15,000 to another account, there is again space for Euros 15,000 from the next posting run (usually on the next day).

      Everyone should be aware that the anti-money laundering rules do also apply to amounts below Euros 15,000. If this amount is deposited and transferred every day, you will probably be asked to explain this.

      Good luck!

  9. Jerome says:


    Can I request a new IBAN at anytime?


  10. filipe ferreira says:

    hi, i´m Portuguese and live in Portugal now, so my question is: can i open a account with you?? And what is exactly the online identification process? what do i need? documents??

    thank you

    • Gregor says:

      You can do the account opening at any time. It only takes 2 minutes. You immediately get your new German account number (IBAN) and can transfer money, or let it be transferred from other people.

      Outgoing transfers and the order of the MasterCard are only possible after the identification. From autumn, there should also be a VideoIdent-procedure. Currently, this is only possible through post offices (PostIdent) in Germany. There is no time limit between the account opening and the identification. One can do it on the same day or months later. Best is to use your passport for the identification.

  11. jiya says:

    I have applied for an on line bank account and it was successful, I was just wondering if I can get a card sent to my address? and how can I do that?
    Kind regards,

    • jiya says:

      I am currently in the UK.
      Kind regards,

      • Gregor says:

        The MasterCard can be sent by post abroad (in your case to the UK).

        This is not a problem. The card is ordered in the online banking. There, you can enter your address.

        Please note that the card is sent only after the legitimating. Currently, this takes place through the PostIdent at German post offices. In the course of this year, a video identification procedure will be introduced. If you are not going to visit Germany anytime soon, you can wait for the VideoIdent procedure. Until then, the account can be used for deposits, but not for payments.

        The telephone customer service of the Onlinekonto / Paycenter is now occupied in 98% of cases with German and English speaking staff
        members … if any minor details still need to be clarified.

  12. julie says:

    Hi if the card identification/legitimating is not been made at postal office and receive 900 euro/month in my german account i can transfer to other account using my online identification?

    • Editorial Team says:

      Hi. You can receive money immediately after opening your account online. You are informed about the IBAN immediately after sending the online application for the account. But you can only transfer money from that account after the legitimization at the post office. For the time being, this PostIdent method is what is required in Germany. The indentification via video is still in the planning stage but is supposed to come this year, but we don’t know the exact date yet.

  13. Philip says:

    Hi, I am looking for an EUR bank account. Do you know any bank which I can open a account online being a Brasilian guy and send money by transferwise to Europe? I really need this information, Nemea bank is not working. If I can’t open being in my country, which bank I can do it going to Europe in the easier way?

    • Philip says:

      I need this account be able to transfer money by transferwise and make SEPA transfers in Europe. Thanks

      • Editorial Team says:

        Hi, Philip,

        You can open this account from almost any country in the world. The account online account opening does not take longer than 2 minutes, and your IBAN account number will be available for you right away. These are the positive aspects. 🙂

        The challenges:
        – You can transfer money immediately. From a Non-SEPA-Country we recommend using Transferwise for the transfer https://www.deutscheskonto.org/en/transferwise/, since this online account is solely a SEPA account.
        – Till the complete legitimization is finished, you can only deposit money into it, but not withdraw it. Currently, the sole legitimization offered in Germany is via the post office. “PayCenter“, that’s the name of the account-holding institute, is working on a video solution for identification, but details are not known yet. If you want to, you can take your time (up to several months) between opening the account and finishing the legitimization.

        – Currently, the online banking is only available in German. They are working on an English language version. The customer service (e-mail, telephone) already works in English.

        In case this account is an option for you, despite the mentioned challenges, I wish you much success with opening your own account.

        • Philip says:

          Ok, but opening the account online, I will be able to transfer the money which is there to others bank accounts in Europe? If not, exist another bank which I can do this?

          • Editorial Team says:

            Yes, of course. The account was created in order to facilitate cash-free payments within Europe (SEPA zone).

  14. Peter says:

    Hi I’m selling some things in Germany from Uk but people don’t want to send money in to UK account so I need German account as people can send money it to German account it is possible to open German bank account from UK?

  15. German Sarmiento says:


    Do you think this account would work as a Sperrkonto for an international student?
    Would they be able to block the account with the parameters needed for the visa? (having a minimum balance every month)


  16. ahmed says:


    I am from Egypt but I live in Germany now. My visa is only for 2 months and I want money to pay for another course. Can I open an online account and my father send me money from Egypt? How much is it to transfer 1000 euro. Thanks.

    • Editorial Team says:


      Yes, an account opening should be possible.

      Please keep in mind, that Onlinekonto (online account) is solely a SEPA account for Euro. Trans-fers from abroad in different currencies cannot be processed there.

      Customarily we recommend to our readers TransferWise, if they want to receive payments from abroad, because in 99% of the cases this is less expensive than a bank transfer, and because the TransferWise payment will be transferred to your account like a national transfer in Euro.

      Regrettably, Egypt is not connected to TransferWise yet. Maybe you’d like to have the money sent to Germany via Western Union?

  17. Patrick says:

    Hi, Was wondering if your mastercard is sent to your home address

  18. Jonathan says:

    Hi there. I started working for a Germany based company in January. I live in South Africa though and travel a lot for work. I’m interested in this account as it would make my salary payments easier. I don’t know when I’ll be in Germany next to verify anything at a branch. Can I open the account online and do video authentication, get my Mastercard for withdraws and online banking for account payments? Is there a link to the fees charged for online payments, withdraws and card swipes?

    • Gregor says:

      Hi. Yes, those are very good questions, and I also need to apologize: Last year I had stated in a reply further above that VideoIdent would work end of 2016, and the English language version as well. This was the information I had received from the provider.

      Regrettably, there has been a delay. Currently, both is supposed to go live during the first half of this year – the background probably being extensive testing. The German provider probably does not want to go live with a 80%-solution!

      Currently, after the online account application you still need to legitimize yourself at the post office in Germany in order to use the account to its whole extent.

      You can find our detailed description regarding the functions and prices here: https://www.deutscheskonto.org/en/account/online/ – but please do keep in mind that this is an account which was developed for the den regional SEPA area. You will not find fees regarding transfers to other continents, because you cannot make them. For transfers to South Africa I recommend to use TransferWise. This saves costs, and is quick and safe. I love this transfer provider and often use them myself.

  19. papadopoulos says:

    I have registered but there I have to post with my evidences

    • Editorial Team says:

      Congratulations! That was the frist step. The legitimization is of course statutory with all financial institutes within the European Union (and most other countries as well). With an online account, you have six weeks time to do that, currently still via PostIdent at every local branch of Deutsche Post. In the course of this year, the VideoIdent procedure will be implemented as well, which will make it even easier to not only open the account from abroad, but also to unlock it.

  20. George says:


    Can I open and dispose of an account to which a German pension payment is sent to? I would receive this pension in Euros, therefore I am interested in an account opening in Germany. I ask for your kind answer.

    • Gregor says:

      Yes, this is possible for EU-citizens. Until the VideoIdent-procedure is activated, you would have to travel once to Germany to make the statutory legitimating at a post office. You have 6 weeks time after the online account opening. Until that, you can receive money in this account. You receive the IBAN already with the sent online application. Payments and the MasterCard (is sent my mail also to foreign addresses) are only possible after the completed identification.

  21. Kostas says:

    I followed the order of the article and unfortunately i didn’t receive the IBAN number. But this message:

    IBAN nicht freigeschaltet.
    Handynummer bestätigen.

    • Editorial Team says:

      Hi Kostas,

      you have to first verify your cell phone number by logging into your online account. There it shows some tasks you need to perform for verification purposes. That includes verifying your cell phone number. Once you a verified, you should receive the IBAN.

  22. Erny says:


    this seems to be quite interesting and also the opening of a business account should be possible, even if the company is registered abroad. On the application form, one can fill this nicely, but then it says that the company must be registered in Germany and one cannot continue.

    Well, I am a German citizen, have my company abroad (Europe) and also need an account in Germany, but for the company, not privately. I can perform the PostIdent without problems in Germany, but how can I get a business account for my abroad registered company? Many thanks in advance.

    • Gregor says:

      It depends on whether your company has a special form. Without a form of company – as with most self-employed persons – the account opening is no problem, because the account is opened in the own name. A name addition (company name) can be submitted at the provider.

      However, should it be a legal person abroad (e.g. SRL or Limited), then the account can only be opened, if it is entered in the German commercial register. Otherwise, the account opening is not possible. This is the free choice of the provider.

      If this applies to you, then this possibly means that you have to make another search at Google. This provider is not the right one for you!

  23. Sophie says:

    Hi- am I correct in thinking that I would get charged 0.5 EURO for every transaction after the first of the month? I am looking to open an account as I am moving to Dusseldorf on 17th May 2017 and I want to set up internet and utility services to my apartment. Would I be charged a fee per direct debit payment of these bills?

    • Editorial Team says:

      Hi Sophie,

      according to their current price list, the first five INCOMING transfers in a month are free of charge – the 0,50 Euro start with the sixth transfer in a month.

      Regarding the utility bills, you’d have to check the terms of the respective providers. Some might require direct debiting, but you can often simply pay the incoming bills by doing the transfers yourself.

  24. Robert says:


    Monthly account maintenance fee 9,90
    setup fee 39,00

    What is “setup fee”? Could I use this 39 Eur after payment? Or its for bank 🙂

    • Editorial Team says:


      The 39 Euro are the payment for the costs regarding the account opening including the legitimization. This money is for the provider.

  25. Iginua says:

    I am interested in opening an account with guys but I live outside Germany. Can I still open, is that accepted?
    Because I need an account that I can use to receive, also make bank transfer.

    • Editorial Team says:

      An account opening for an individual account with a residence within the European Union (e.g. Italy) is easily possible online. Currently, the legitimization in Germany has to be done six weeks after the account opening at the latest. This process is supposed to be possible via VideoIdent, starting December.

  26. Stephan says:

    Hi. Is the VideoIdent process now available which will mean I don’t have to come to Germany

    • Editorial Team says:

      It’s really not that great that the start of VideoIdent gets delayed month after month. We are not exactly happy about it, but we hope for the best for the new year 2018

  27. Gogu says:

    Is VideoIdent ready?

    • Editorial Team says:

      The VideoIdent procedure was supposed to already be running by now, but regrettably there are delays on the side of the provider. One either has to keep waiting or use PostIdent in Germany (possible in every post office).

  28. Hassan says:

    I am living in Brazil. I never visit Germany before. Can I open account. Private account.

    • Editorial Team says:

      That is a case-by-case decision of the provider. They do not advertise abroad for their account in Germany, and if all circumstances fit, the online account opening might work out. We don’t have enough experience regarding the VideoIdent Identification yet, the system just having started last week. Currently we have to say: One can try it, but there is no guarantee for doing it from abroad. Accounts with residence within the European Union can be opened in any case.

  29. jane says:


    To complete an account form for Comdirect I have to fill in an IBAN number, but I am from the US and my bank accounts don’t use IBAN numbers. What should I fill?


    • Gregor says:

      If you want to make a transfer from the USA to Germany, we recommend the provider Transferwise. They debit at ACH from the US Checking, exchanges the money for a fair rate and transfers to the German bank account.

  30. Viggo says:

    Great website.
    I have a UK N26 bank account but they are closing all UK accounts.
    They say that if I have a German residential address they can allow me to open up a German account.
    Do you know of a good service that can allow me to buy a mail forwarding service with a residential address in Germany e.g. Berlin etc.
    Thank you.

    • Richard Banks says:

      Good news: You can open this account with a UK address as well. For an address in Berlin this is a ► good service provider. We also offer a service for a postal address in Bavaria, but that is an individual business. Berlin is standardized and therefore at a better price.

Leave a Reply

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
known from:
Der Privatinvestor Bayern 1 Travelbook Spiegel Online Wirtschaftswoche Zeit Online