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How-to

Open a German bank account

Have a Finanzamt/ELSTER letter? Private by default · No signup to try

Banks will ask for ID and address registration (Anmeldung). Some fintechs accept passports first.

  • Compare banks/fintechs
  • Prepare KYC documents
  • Verify identity and activate

Steps

  1. Pick a bank

    Compare fees, English support, and ATM network.

  2. Prepare KYC

    Passport/ID, proof of address (Meldebescheinigung), sometimes Schufa.

  3. Verify and activate

    Complete video/post-ident; receive IBAN and app access.

Tips

  • Keep a PDF of your RIB/IBAN for employers/landlords
Quick links

Related

Guides

FAQ

Not always; some fintechs onboard without it.

Typically ID and proof related to the procedure (e.g., address, income or ownership). Check the official site for country-specific lists.

Often yes via the official portal (your city portal or ELSTER). Some steps still require in‑person verification or mailing originals.

Processing times vary by city and season. Plan for days to a few weeks; start early before deadlines.