Compare accounts for everyday banking and international transfers. Check eligibility, fees and the services you need.
Everyday accounts and international transfers
Compare individual accounts, shared household banking and international transfers. Account opening is subject to residence, identification and provider eligibility checks.
Featured · Everyday & joint banking
DKB
DKB
Everyday banking with an English-language app and a joint account for shared household spending.
First account: €0 with €700/month incoming or under 28; otherwise €4.50/month
English-language app
Joint account with two Visa debit cards
First joint account: €0 with €700/month incoming or one holder under 28; otherwise €4.50/month
EUR account details may use a non-German IBAN, including Belgian details from Wise. EU rules prohibit IBAN discrimination for eligible SEPA transfers and direct debits. This does not establish acceptance for immigration proof of funds.
If an eligible SEPA IBAN is rejected, ask the payer or merchant to correct the restriction. Check the provider’s available account details and separate immigration-document requirements.
Important considerations
Traditional banks may require appointments and German documentation:
Credit checks and account requirements vary by bank and account type
Branch appointments can be 1–3 weeks out in major cities
You'll need your passport, Anmeldung (city registration), and possibly a visa
Opening from abroad depends on supported residence and identification
Choose an account for your needs; a second account is optional
