Are you paying off costs for your checking account? Costs for loan drawback on international Atm machines? Cost for a visa or mastercard? Listed here I’ll offer you a summary of complimentary online savings account as well as exactly how to open up a checking account in Germany– regardless of if you are actually a German or even an immigrant.

Commonly when I am actually out along with pals, among all of them requires to receive even more cash money. So they begin inquiring “Where is actually the local Sparkasse ATM MACHINE”, or even “Where the upcoming Money team?” and after that they take a look around, inquiring individuals as they go by, or even inspect Maps. Later on, they are going to inform me exactly how wearisome it was actually to open up a checking account, as a result of all the documentation they required to present– as well as currently they are actually also spending a regular monthly cost of 5, 6 or maybe 7 EUR. “Oh, as well as a visa or mastercard is actually happening, for an added 10 EUR yearly!”

When I hear this, I am actually similar to “Why? Why ?! WHY?!”

It actually does not create any sort of feeling to possess these savings account. In Germany, you may receive far better offers. Full along with complimentary profiles, complimentary loan drawbacks at any sort of financial institution equipment as well as also a complimentary visa or mastercard

Within this write-up, I will definitely illustrate all of them specifically. Every promotion obtains its very own part– or maybe its very own write-up. By the end, you’ll discover a summary desk.

Update: If you are actually a consultant as well as searching for a company checking account ( Geschäftskonto), look at Free Banking company Funds for Freelancers.

( Can not view the dining table? Click this web link. *)

1. N26: British help, complimentary memory card remittances around the world

Just about a year back, I created a 1st variation of this particular write-up. N26 * had not been there certainly as yet– as well as currently it is actually the one I highly recommend very most to you. This is actually since it possesses British help! None of the others possess it.

Besides, it is actually highly concentrated on its own cellphone application. When your profile gets a settlement, you right away acquire a press notice Likewise their enrollment method is actually quite swiftly. They allow you pinpoint on your own through video clip conversation, thus you may stay at home, you merely need to have to possess your I.D. as well as a web cam/ cell phone all set. It likewise includes a complimentary MasterCard money memory card

I believe N26 matches the BerlinCheap! reader thus properly, I committed its very own write-up to it. If you merely swiftly prefer a pleasant complimentary checking account, quit reviewing below as well as take N26

Most Likely To N26 *

2. DKB Money: Free loan drawback around the world

The DKB Money account * is actually the one I am actually utilizing on my own for my primary profile. I have actually been actually a pleased consumer for 9 years currently, still appreciating it as well as I have actually certainly never been actually dissatisfied– so I likewise created a much longer evaluate on the DKB profile.

There are actually pair of kinds: energetic as well as basic profile, as well as a special deal for

  • Energetic clients are actually all brand-new clients 12 months after profile position To continue to be an energetic consumer afterwards opportunity, your profiles requires to acquire inbound remittances of a minimum of 700 EUR each month. (This could be just about anything: earnings, scholarships, remittances coming from your moms and dads and so on)
    You may likewise invest this loan right away– what is actually just pertinent: The amount of all inbound remittances each month have to be actually 700 EUR
  • Criterion clients: These are actually just all clients that carry out certainly not satisfy the disorders of energetic clients
  • Trainees: You have to be actually signed up in an educational institution or even Fachhochschule.

Every One Of all of them possess no profile cost— thus in the event you neglected your profile as well as do not utilize it for some time, no costs administer. So no danger of loosing loan when you open up a profile.

What is actually likewise complimentary in each kinds: A Visa as well as a Giro memory card

For a few other components, view this summary:

Component Energetic consumer Regular consumer Trainee profile
cash money drawback complimentary EUR: complimentary
non-EUR: 1.75%
contactless remittances complimentary complimentary complimentary
various other remittances complimentary EUR: complimentary
non-EUR: 1.75%
ISIC pupil memory card for 1 year complimentary

Most Likely To DKB Cash Money * Most Likely To DKB Money for pupils *

3. Santander 123: Certainly not just on the web + rewards

The primary variation of Santander * contrasted to DKB as well as N26: They are actually certainly not just an on-line financial institution however possess likewise true divisions where you may stroll in– 18 alone in Berlin. Thus if you really feel a lot better speaking with your financial institution face to face, after that Santander may be a really good choice.

Their 123 Girokonto is actually likewise among minority profiles that are going to routinely spend you rewards:

  • 1 EUR each month if your profile gets much more than 600 EUR inbound remittances.
  • 2 EUR each month if you contended minimum 3 straight money remittances.

Thus this may create up to 36 EUR rewards yearly. Furthermore, you acquire an rate of interest of 0.10% for maintaining loan on the profile.

Besides, it includes a conductor memory card, enabling you to reverse loan free of cost at Santander divisions as well as CashPool Atm machines.

Thus, initially look much less “ATM MACHINE flexibility” than along with N26 as well as DKB– however: Besides your 123 Giro profile, you may likewise buy an added Visa 1plus memory card free of cost— it is actually a pre paid Visa memory card where you need to have to place loan on just before spending using it. Keeping that memory card, you may take out loan around the world as well as likewise carry out remittances worldwide, without a charge.

Thus altogether: Along with a little extra complicated configuration, you may receive the exact same flexibility similar to DKB or even N26, as well as you may possess the advantages of a division financial institution.

Most Likely To Santander 123 *

4. Comdirect

A Comdirect profile * is actually likewise complimentary, as well as includes a visa or mastercard, that allows you keep the profile online as well as use complimentary loan drawbacks worldwide.
However, within Germany, the cash drawback is actually limited to CashGroup Atm Machines.

CashGroup is actually a systems of financial institutions, discussing their financial institution equipments. It indicates you may take out loan at Atm machines in your system free of cost– if you just discover an ATM MACHINE of yet another financial institution, you pay out a charge. Therefore through this profiles, you need to recognize that you are going to be actually confined when you need to have cash money.

Observe Comdirect screenshots at german-bank-account. facts

Most likely to comdirect *

5-6. 1822 direkt, Norisbank

The final pair of promotions in my checklist are actually likewise complimentary, however every nonpayment they happen without a visa or mastercard:

  • 1822 direkt * just offers you a totally free VISA memory card if you contend minimum 2000 EUR turn over yearly on your profile.
  • Norisbank * offers you a totally free Mastercard if a minimum of 1000 EUR circulation in to your profile each month (you may invest it naturally, however that is actually exactly how they intend to view your profile is in fact utilized)

Likewise concerning drawbacks, you are actually confined to Money team equipments (Norisbank) or even Sparkasse Atm Machines (1822 direkt).

Observe Norisbank screenshots at german-bank-account. facts

Most Likely To 1822 direkt * Most likely to Norisbank *

Just how to generate a checking account

First, examine the summary dining table, to figure out which nation you need to have to become a local of, ( Anmeldung), i.e. an enrolled handle for where you reside. If you presently possess one in Germany, you are actually alright. Some financial institutions also permit one in Austria or even Switzerland, merely inspect the very first line of the dining table.

As we understand, all these profiles are actually on the web profiles. So the 1st step is actually very easy: Only click among the Open up a profile web links, complete the documents along with your records, as well as click on send.

Through rule, they are actually likewise needed to examine your identification Thus exactly how perform they perform it? There are actually 2 methods: Identity every video clip conversation or even every Postident.

Online video conversation

The simplest means to legalize your info is actually through video clip conversation. You create a video clip phone call along with your personal computer as well as a cam, or even along with your cell phone, as well as possess a chat along with a staff member. For this talk, you need to have to present your I.D. or even travel permit to the cam, as well as they take a picture of it. N26 as well as (as for I recognize) DKB promotion this.


If you do not possess the tools for an online video conversation or even the financial institution carries out certainly not use it, there is actually Postident. After enrolling online, you publish out a few of the PDFs they deliver you as well as most likely to the upcoming Deutsche Postal service Certainly there, the employee will certainly examine your documents as well as verify you are you.

Every one of the financial institutions below use Postident. You may likewise discover your closest Deutsche Postal service below. (On the type, where it claims ” along with exclusive solution”, choose ” Postident”.)


After opening your profile, you may call the financial institution online or even through phone: They possess solution hotlines, often along with a German residential phone variety, thus do not stress over added costs.

Coming from my knowledge as a DKB consumer, the solution on the phone is actually respectable, previously I consistently contacted properly notified staffs that can offer me solutions swiftly as well as directly relevant. The solution was actually far better than I was actually utilized to contending the division financial institutions, where I was actually a client years just before. Once more, along with N26 you also receive the solution in English


Excessive info? Permit’s view it extra compressed: Listing of Free Of Cost German Banking Company Funds

Even More Financial

That’s it! I wish you can discover one thing that benefits you. If you recognize if much better complimentary savings account, satisfy allow me recognize in the remarks!

* Associate web links.


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6 Free Of Cost German Banking company Funds (incl. Visa Or Mastercard)


A guide of complimentary German (on the web) savings account, incl. N26, DKB, comdirect, Santander and so on, incl. an evaluation desk along with all components (complimentary Mastercard or even Visa). Read likewise exactly how to open up a checking account in Germany.


Georg Jähnig

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