Opening a German bank account without an Anmeldung

Opening a German bank account without an Anmeldung

These German banks let you open an account without an official address in Germany. No Meldebestätigung or a Meldebescheinigung needed!

People who move to Berlin face a strange problem after they arrive. They need a bank account to get an apartment, an apartment to register their address, and a registered address to get a bank account. The banks require an Anmeldebestätigung or a Meldebescheinigung, and you only get this document when you register your address. Fortunately, there are banks that let you open an account without this document.

N26

N26 is an online bank with no monthly fees. It is often recommended by expats because you can open an account before doing your Anmeldung1, 2, 3, 4. In this thread, dozens of people confirm that they opened an N26 account without an official address in Berlin. Since N26 is an online bank, you can only open an account through their mobile app.

If your country is in this list, you can open an N26 account without doing your Anmeldung. N26 needs an address to send your credit card to, but you can use any address in Germany. Some people have used their office address1.

Pros:

  • 100% in English.
  • No monthly fees.
  • Up to 5 free withdrawals per month from any ATM.
  • Excellent mobile app. Instant notifications when you make a transaction.

Cons:

  • No branch locations. Everything must be done online.
  • Fewer services (no broker account, few investment and credit options).

Review: An honest review of N26

Website: n26.com

Comdirect

Comdirect is another online bank that lets you create an account without an Anmeldung1.  It uses PostIdent to validate your documents. It has slightly higher fees than N26, but it also offers more services. If you need a broker account or similar options, then it might be a better option.

Pros:

  • No monthly fees.
  • Free withdrawals from any ATM.

Cons:

  • No branch locations. Everything must be done online.
  • Service in German only.

Review: An overview of German banks and their fees

Website: comdirect.de

Deutsche Bank

Deutsche Bank is a popular bank among international students, because it offers a blocking account (Sperrkonto)1, 2 and does not require an Anmeldung if you have an acceptance letter from a German university1. If you are applying for a student visa, Deutsche Bank is your best option.

Pros:

  • English support and online banking. Only some of the correspondence is in German.
  • Offers a blocking account (Sperrkonto) for students

Cons:

  • 5.90€ monthly fee

Review: An overview of German banks and their fees

Website: deutsche-bank.de

Berliner Sparkasse

There are some reports of people opening a Sparkasse account without an Anmeldung123. Sparkasse is a well-established bank with the largest ATM network in Germany.

Pros:

  • The largest network of ATMs in Germany1. Withdrawals from Sparkasse ATMs are free.
  • Free account for students under 25 years old.
  • Lower monthly fees than most brick-and-mortar banks

Cons:

  • Website and correspondence is in German. Not all branch employees speak English.
  • 3€ monthly fee
  • Service in German only.

Review: An overview of German banks and their fees

Website: berliner-sparkasse.de

Commerzbank

When I moved to Berlin, I opened Commerzbank account without being registered in Berlin. I simply went to a branch and asked to open an account. I had to show electric bills from my apartment in Canada to open the account, but I never needed to prove that I had an address in Germany. Commerzbank is a good old-fashioned bank with a large portfolio of services, and many branch locations, but they charge steep fees for everything. I closed my Commerzbank account for that reason.

Pros:

  • Online banking available in English. Part of the Commerzbank website is available in English.
  • Classic bank with multiple branch locations.
  • Large portfolio of banking services (broker account, investments, loans and more).
  • Free withdrawals from Cash Group ATMs (15% of ATMs in Germany).

Cons:

  • Limited English support. All correspondence is in German, and the English website is very limited.
  • Old-fashioned processes. You must write to your assigned bank advisor to get a replacement card or unblock your account, and you are sometimes forced to visit a branch to sign documents.
  • 10€ monthly fee if your balance is below 1200€.
  • 6€ fee when withdrawing from ATMs from other banks.

Review: An overview of German banks and their fees

Website: commerzbank.de

DKB

There are reports that DKB does not require an Anmeldung1, as it also uses PostIdent1. Unfortunately, they reportedly refuse foreign customers with no credit history in Germany.

Pros:

  • No monthly fees
  • Free withdrawals from any ATM

Cons:

  • Does not let everyone open an account. Some income or credit history is required.
  • Service in German only.

Review: An overview of German banks and their fees

Website: dkb.de

Other banks

Transferwise and Monese also let you open an account without an Anmeldung. We will periodically update this article with more banks as we learn about them.

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Comments

  • Danny O'Connor

    I opened my account with Sparkasse without an Anmeldung too. It worked for me, thanks

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