How to Open a Bank Account in Germany as an Expat

Step-by-step guide to opening a German bank account. Compare N26, DKB, Commerzbank and more — what you need, how long it takes, and which is best for expats.

Why You Need a German Bank Account

A German bank account (Girokonto) is essential for expat life. You need it to receive your salary, pay rent (most landlords require SEPA transfers), and set up contracts for phone, internet, and utilities.

Before Anmeldung (Address Registration)

You can open an account before completing your Anmeldung at these banks:

N26 — Fully online, open in minutes. Free basic account. No German address needed initially.
Revolut — UK-based but works well in Germany. Multi-currency support.
Wise (TransferWise) — Best for international transfers. German IBAN available.

After Anmeldung

Once you have your Meldebestätigung, you can open accounts at traditional banks:

DKB — Free online bank, very popular with expats. Visa debit card included.
Commerzbank — Free account with conditions. In-person branches across Germany.
Sparkasse — Local savings banks. Not free, but have branches everywhere including small towns.
ING — Free online bank. Good mobile app.

What You Need

Passport or EU ID card
Meldebestätigung (address registration)
German tax ID (Steuer-ID) — arrives by post 2-4 weeks after Anmeldung
Employment contract (some banks require it)

Our Recommendation

Day 1: Open N26 (instant, online, no address needed).
After Anmeldung: Open DKB as your main bank (free, good rates).
Keep N26 as backup and for international payments.

Find financial advisors for expats on Trixtu.