How to Open a Bank Account in Germany as a Foreigner (2026)

Opening a German bank account is one of the most important steps after arriving in Germany. Without it, you cannot receive a salary, pay rent easily, or activate your blocked account.

This 2026 guide explains who can open a bank account, which type to choose, required documents, and the best banks for foreigners.

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Do You Need a German Bank Account?

Yes. You need a German bank account to:

• Receive your salary

• Pay rent and bills

• Receive money from a blocked account

• Sign contracts

• Manage daily expenses

Most employers require a German IBAN.

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Types of Bank Accounts in Germany

1️⃣ Basic Checking Account (Girokonto)

This is the main account you need.

Used for:

• Salary

• Rent

• Everyday payments

✅ Best for newcomers
✅ Available at online and traditional banks

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2️⃣ Blocked Account (Sperrkonto)

This is not for daily use.

• Required for some visas

• Releases money monthly

• Used before arrival

📌 After arrival, money is transferred to your Girokonto.

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Who Can Open a Bank Account?

You can open a German bank account if you have:

• Passport

• Valid visa or residence permit

• Anmeldung (address registration)

Some online banks allow opening with fewer documents.

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Documents Needed (2026)

Usually required:

• ✅ Passport

• ✅ Visa / residence permit

• ✅ Address registration (Anmeldung)

• ✅ Tax ID (sometimes requested)

Online banks may not require Anmeldung immediately.

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Best Banks for Foreigners in Germany (2026)

🥇 N26 (Online Bank – Recommended)

• English app

• Fast account opening

• No monthly fees (basic plan)

• Great for newcomers

❌ No cash branch

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🥈 Commerzbank

• Traditional German bank

• Free account with monthly income

• Physical branches

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🥉 Deutsche Bank

• International reputation

• English support

• Higher fees

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🏦 Sparkasse

• Local banks

• Strong presence

• Mostly German language

• Fees vary by city

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How to Open a Bank Account (Step-by-Step)

Step 1: Choose a Bank

Online banks are easier for foreigners.

Step 2: Apply Online or In Person

• Online: fill form + video identification

• In person: visit branch with documents

Step 3: Verify Identity

• Video call (online banks)

• Passport check at branch

Step 4: Receive IBAN & Card

• IBAN: immediately or within days

• Debit card arrives by post

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How Long Does It Take?

• Online banks: 1–3 days

• Traditional banks: 5–10 days

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Can You Open a Bank Account Before Arrival?

⚠️ Usually NO for regular accounts.

BUT:

• You can open a blocked account

• Some online banks allow pre-registration

Most people open their main account after Anmeldung.

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Common Problems & Solutions

❌ No Anmeldung yet
✅ Use online banks temporarily

❌ Language barrier
✅ Choose English-friendly banks

❌ Account rejected
✅ Try another bank (very common)

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Fees You Should Know

• Monthly fee: €0 – €15

• Debit card: often free

• ATM withdrawals: free or limited

Always check the fee table before signing.

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Final Tips for 2026

✔️ Open your bank account early
✔️ Choose an English-friendly bank
✔️ Keep your IBAN safe
✔️ Avoid unnecessary paid accounts

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Conclusion

Opening a bank account in Germany as a foreigner is simple if you choose the right bank and prepare your documents. Online banks are usually the fastest and easiest option for newcomers.

➡️ Next, we’ll explain how to get health insurance in Germany.