When you move to Germany, you need a bank account. If you did not register your address, some banks don’t let you open an account.
This guide shows you how to open a bank account without your Anmeldung.
Banks that don’t require an Anmeldung
These banks will let you open an account without a registered address in Germany:
- bunq
- Commerzbank
They require a residence permit. - Deutsche Bank
- DKB1
They rarely accept people who just moved to Germany. They use WebID to verify your passport. - ING7
They use Postident to verify your passport.2 They require a EU citizenship or permanent residence.3 - Kontist
Business bank for freelancers. - Monese
They are based in the UK and in Belgium. Your bank account will have a Belgian IBAN. - N26
They might require a residence permit. - Wise
They are based in the UK and in Belgium.4 Your bank account will have a Belgian IBAN.
Banks that require an Anmeldung
These banks require a registration certificate (Anmeldebestätigung) to open an account:
Other problems you might have
If you are an immigrant, it can be hard to open a bank account in Germany:
- Some banks don’t accept your foreign passport.
- Some banks require a residence permit or permanent residence.
- If you don’t speak German, you might want an English-speaking bank.
German banks that speak English ➞
