How to open a German bank account
Which account type fits your situation, what identification is required and how to avoid the classic chicken-and-egg problem.
Short answer
You need a current account (Girokonto) with a German IBAN for salary, rent and direct debits. Traditional banks usually ask for a registration certificate; several digital banks let you open an account with a passport and a video call before you are registered.
Step by step
- 1
Decide between a branch bank and a digital bank
Branch banks help with complex situations and cash handling. Digital banks open faster, often in English, and usually have lower fees.
- 2
Check the conditions that actually cost money
Monthly fee, cash withdrawal charges, card type and whether a real Girocard is included — many shops and small businesses still prefer it over credit cards.
- 3
Complete identification
Identification happens by video call or in a branch or post office. Have your passport ready and good lighting; failed video calls are the most common delay.
- 4
Set up your payments
Give the IBAN to your employer, set up the rent standing order and allow direct debits for insurance and utilities. Keep a small buffer: returned direct debits cost fees.
Indicative costs
Basic accounts range from free to a modest monthly fee. Watch charges for cash withdrawals outside the bank's network and for physical cards.
Indicative timing
Digital accounts are often usable within one to three days; the physical card arrives later by post.
Documents you need
- Valid passport or ID card
- Registration certificate for most branch banks
- Tax ID
- Proof of income or student status for some account types
Common mistakes
- Waiting for the Anmeldung before opening any account, when a digital bank could already work.
- Relying only on a credit card in a country where card acceptance is uneven.
- Overlooking foreign transfer fees when sending money home regularly.
Practical tips
- Keep a printed IBAN confirmation: employers and landlords sometimes ask for an official document.
- Enable push notifications for every transaction to spot problems early.
Final checklist
- Account type chosen
- Identification completed
- IBAN shared with employer
- Rent standing order set up
- Direct debits authorised