I’m really sorry to hear that you have made bad experiences with opening a bank account in Germany, especially given the fact that everybody in Germany is entitled to have a basic bank account. However, the fees for such accounts are quite high. There is no easy bank account to open without German language, without German address and without go into a branch. The process may take 2-3 weeks if you are opening the account through the German … Open your German bank account. to an international address. Sign In or Register to comment. What is an Anmeldung? Some want to have a very basic free bank account. Open Bank Account. The only way to access your money in Germany is to set up your monthly payouts to a separate current/regular account ("Girokonto", "Basiskonto" or "Girokonto für Jedermann") that you have to open at a bank of your choice when you arrived in Germany. N26 - The Mobile Bank Yes, Sparkasse. For non-German residents, particularly those who don’t reside in the country, they can still open a business account with direct banks, popularly known as Direktbanken. The country has 330 private banks, with Commerz, Dresdner, Postbank, Volksbank, Sparkasse and Deutsche being the major banks. Has anyone also run into this issue? How to open a current account in Germany. You need to open a German current bank account. Not really. That is also a reason that me make this special website. N26 is the mobile bank that lets you manage your bank account, spend and set money aside in real-time, 100% mobile. Banking in the US comes with a handful of benefits that make it an appealing place to open a bank account. This is the Schufa, Germany’s biggest information office for creditworthiness assessments. Yes, but it probably doesn’t concern you. Just open an account online with a direct bank. We have asked newcomers in Germany about their favourite bank accounts in Germany. Make money work for you by opening an account in a few simple steps. Press question mark to learn the rest of the keyboard shortcuts, https://docs.n26.com/cs/Support+Center/Verification/201804-supporteddocs-nonDE-DE.pdf, list of banks that let you open an account without an Anmeldung. New comments cannot be posted and votes cannot be cast. Meet your new account. Opening a bank account if you’re not a Canadian citizen. Also, since this … EU Bank Account via TransferWise – Banking Facilities Receiving Payments. 2 . However, if you have no luck with the German banks there are other alternatives for opening a German bank account from abroad. Many banks don't let you open an account if you're a US tax resident, afaik. The process of opening a blocked bank account at the Deutsche Bank is not that complicated, but it cannot be done online. From my experience as a DKB customer, the service on the phone is pretty good, until now I always spoke to well informed clerks who could give me answers quickly and straight to the point. While most German banks still seem to be stuck in the 20th century (a lot of paperwork, physical locations with long queues, only in German, etc.) N26 will let you do it over a video call with your passport, and comdirect didn't need one either when I applied. This question is raised by many immigrants who plan to move to Germany. Commerzbank last year if I remember correctly asked me for that paper. If you don't speak German, N26 and bunq offer support in multiple languages. We reside in Germany but my husband is a US citizen so they had him fill out an IRS form but that was it. Luckily, one bank in Germany will provide you with a free bank account without being registered – the mobile bank N26, where you can open your N26 bank account in less than 10 minutes. You can open the most modern bank account right now with N26. No Meldebestätigung or a Meldebescheinigung needed! According to Maps of the World, Germany's economy is Europe's largest. For people new to Berlin and Germany in general this may be a daunting task. It’s 2020 and nowadays, the best place for students in Germany to open a bank account is definitely online. Same intuitive front-end design for all banks. If you want to open a bank account in Germany, you must be able to confirm your identity. If the account’s just for you and you’re over 18, you can use our app 1. It only allows the registration of your main place of residence. With Bank.pro, in just a few clicks, you can apply for your Business Bank Account at 300+ different banks. I've heard a lot of people having trouble getting approved by them. Here are the documents you need to open a bank account in Germany: The application form (completed with full accuracy). Our Partners. Anmeldung: residence registration – simply explained. But, opening a bank account in the United States is not the most simple procedure. HELP! If no major negative is recorded about you (e.g. You can open an Everyday Checking account with Wells Fargo with just $25, and if you’re a student aged 17-24 you can even swerve the monthly service fee. Reply. They will send your Bank Card at any address you want within the EU. Opening a bank account is a straightforward process in Germany. Press J to jump to the feed. online online application. https://www.studying-in-germany.org/how-to-open-a-german-bank-account If you want to open a current account at a German bank, then you have to agree to the Schufa-clause. Opening a bank account without a Visa Sign in to follow this . You can read our detailed review on N26 for more information. This is ideal also for those that have not registered in Germany but need a German bank account number! I opened a DKB account in 2013/2014 when I wasn't even living in Germany yet, though I'm not sure they still do this. Yes, you do need to open a German bank account, but it is also wise to maintain access to at least one home-country bank account. You will need this for all kinds of administrative tasks in the country, for instance applying for a residence permit, opening a bank account … Health insurance for creatives: A guide to KSK. Your registration appointment (Anmeldung) is the most important step when relocating to Germany, as it provides you with your registration certificate (Anmeldebescheinigung). However you often need to show some proof of a German address besides your national identification document. There are various types of supporting documents to be submitted, depending on whether the bank account is to be opened in your name or your company’s name. The best way to open a German bank account is to turn up to the branch in person … Current accounts. How was the signup process without the Meldebescheinigung? Followers 0. New comments cannot be posted and votes cannot be cast. Learn More. before you move before you move. Press J to jump to the feed. Kudos to Monese team. Alternatively, meet a few pay-in and balance criteria and you can also avoid the $10 monthly charge. Setting up a bank account is rather simple even for non-residents, and sending money to other countries is relatively hassle-free. Without this, you won’t be able to rent certain apartments, get a cell phone or Internet contract. No hidden fees, easy to close the account. Opening a German blocked account for a student visa or residence permit. In other words opening a German bank account is very important! I will recommend you to open a Bank account with Revolut that only need your ID card or Passport to open the Bank account and you can receive your Bank card without Meldebescheinigung. Reply; Moustafa. German banks have rigid regulations and policies that they must abide by in order to comply with AML due diligence and this is not possible when the customer is in a remote location. Your valid passport and current German residence permit. First of all, no easy way to open an account without an Anmeldung, and second, DKB is not very happy to communicate in English. Late edit: list of banks that let you open an account without an Anmeldung. If you decide to close the account, you have the right to close the account, without cost, within 14 business days of opening it by telephone. Gather the most important documents to apply, i.e. It explains who needs a work visa, who is eligible for it, and what the requirements are. When banks can refuse you a basic payment account. You can be refused an account if you do not comply with EU rules on money laundering and terrorist financing.. There are 3 ways to open an overseas account: through your local HSBC International Banking Centre before you move. 3. Open yours in minutes right from your smartphone, and start spending before your physical card arrives. Everything is manageable from your phone and online, starting with opening the account. Klarna Open Banking stands for secure, safe and smooth connections to your customers bank accounts with our signature simple, intuitive user interface. Pairing your smartphone 4. You can open a new bank account online in a matter of minutes. Non residents who needed a bank account in Germany could open one easily online. After opening your account, you can contact the bank online or by phone: They have service hotlines, usually with a German landline number, so don’t worry about extra fees. EU Bank Account via TransferWise – Banking Facilities Receiving Payments. Gather Your Documents Required for Anmeldung. Opening a bank account without a Visa Started by Justin M, 6 Aug 2012. rafal says: June 5, 2015 at 7:59 pm. The account opening process 1. If no major negative is recorded about you (e.g. I will recommend you to open a Bank account with Revolut that only need your ID card or Passport to open the Bank account and you can receive your Bank card without Meldebescheinigung. I'd like to compile your answers (and the others I have found so far) into a clear, definitive resource. I have been using Monese for the past one … The only problem is some banks won't send you the registration letters and credit cards, etc. Compiled for you: German banks with account opening from abroad Open an online-current account in Germany this is possible here . We charge the fees for the duration your account remains open. So which bank should I pick? Opening a bank account with us is as easy as calling a taxi. Commerzbank: Free + with branches. How to get started and become a freelancer in Germany. 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