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How-to

Open a German bank account

Articles explain general principles and are for information only. They do not constitute legal, tax or other professional advice. Real outcomes depend on residence, income structure, documents and timing.

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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.

Verify and activate

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

Tips

  • Keep a PDF of your RIB/IBAN for employers/landlords
Mathieu Fiscalis
Mathieu Fiscalis

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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.

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Mathieu Fiscalis
Mathieu Fiscalis

AI assistant – Taxes & Cross-Border Tax

Mathieu Fiscalis