Bank account (Bankkonto)

To open a bank account in Germany you need to present the following documents:

  • Passport or ID card
  • Your registration confirmation (Anmeldebestätigung)
  • Your residence permit (some bank institutions only)
  • Your tax identification number (some bank institutions only)

Germany has both banks with branches nationwide and banks with only local branches.

Once you have opened a bank account, you will receive by post a debit card (EC-Karte) and a PIN number for the card.

Payment by bank transfer is very common in Germany. It is helpful to have a bank account with online access. If you have requested online banking you will also receive account information and initial passwords by post.


The information on this website is not legally binding.