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How to Open a Bank Account in Germany

The documents you need to open a German bank account, the difference between traditional and online banks, and how to get set up for salary, rent, and direct debits.

4 min read

General guidance on how this works — your exact steps depend on your situation.

On this page

A German current account (Girokonto) is how you receive your salary, pay rent, and set up the direct debits (SEPA-Lastschrift) that most German services rely on. The good news: it's one of the easier steps, especially with online banks.

Who this applies to

  • Applies to: anyone earning, renting, or paying bills in Germany.
  • Also relevant if: you need an account quickly to break the address/account chicken-and-egg.
  • Not covered here: business accounts and investment products.

Requirements

  • A valid passport or ID.
  • Proof of address — commonly your Anmeldung certificate (online banks are often more flexible).
  • Sometimes your tax ID, and proof of employment or student status.

Step-by-step

1. Choose the type of bank

Traditional branch banks offer in-person service and usually require your Anmeldung. App-based banks open online and verify your identity by video call — popular with newcomers for speed and English support.

2. Verify your identity

Either in a branch or by video. Confirm the account is a full German IBAN account that accepts direct debits.

3. Set up salary and direct debits

Give your IBAN to your employer, set up rent as a standing order, and register direct debits for utilities, phone, and insurance.

The right timing depends on your situation.

Opening an account is straightforward, but when to do it, which prerequisites you already have, and how it fits your other steps depend on your timeline and progress so far. A guide gives the general order; software can sequence it into your specific plan so nothing downstream is blocked while you wait on something avoidable.

Timeline

  1. Open the account

    Same day – 1 week
    Online banks are fastest.

  2. Receive your IBAN + card

    Days
    Card arrives by post.

  3. Wire up salary + bills

    Ongoing
    As contracts start.

Required documents

What banks usually ask for

  • Valid passport or ID
  • Proof of address (often your Anmeldung)
  • Tax ID (some banks, at signup or later)
  • Proof of employment or enrolment (sometimes)

Common mistakes

  • Assuming every online wallet counts as a German account.
  • Waiting on a branch appointment when an online bank would unblock you sooner.
  • Forgetting to keep some cash — parts of Germany are still cash-friendly.

Frequently asked questions

How do I set up online banking in Germany?
The easiest route is an online bank: apply through its app or website, verify your identity by video, and you can often be set up within a day, with a card following by post. You will need a valid ID, and often your completed Anmeldung.
Can I open an account before my Anmeldung?
Often yes, with an online bank that verifies by video — useful when your landlord or employer wants an account first.
Do I need a German account, or is a foreign one fine?
You'll want a German IBAN. Employers, landlords, and authorities generally expect one for salary and direct debits.
How long does it take?
Online banks can open an account within a day; a card follows by post a few days later.

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How to Open a Bank Account in Germany | Settlio