You need a German bank account for rent payments, salary deposits, and most everyday transactions. Several banks now allow fully online sign-up in English.
N26 — Best for Day One
N26 is a Berlin digital bank with a fully English app and sign-up. Open an account in 10 minutes with just your passport and a video ID check. No German address required at sign-up, making it useful immediately on arrival. The free tier includes a Mastercard debit card and SEPA transfers. Downside: no branches, customer service can be slow.
DKB — Best for Daily Use
Deutsche Kreditbank offers a free current account with a Visa card that has zero foreign transaction fees — ideal for travel around Europe. Foreign ATM withdrawals are free above a monthly spending threshold. Opening requires a registered German address (post-Anmeldung) and an IDENT video call. Widely recommended in expat communities for the free international withdrawals.
Sparkasse — Best for Branch Access
Sparkasse is the network of regional savings banks found everywhere in Germany. Landlords and local institutions trust it. Fees vary by branch (€5–10/month). Good if you need cash deposits or frequent in-branch services.
Strategy
Open N26 on arrival for immediate use, then add DKB once you have your Anmeldung. Many expats run both accounts long-term: one digital for daily spending, one traditional for rent and larger transfers.
