When you move to Germany, you need a bank account to get your paychecks and pay your rent.

You often need a registration certificate (Anmeldebestätigung) to open a bank account. You can't get a registration certificate if you don't register your address (Anmeldung). You can't register your address without a place to live. You can't find a place to live without a bank account. It's a big problem if you are new in Germany.

These banks let you open an account without doing your Anmeldung.

Banks that don't require an Anmeldung

These banks will let you open an account without a registered address in Germany:

  • bunq
  • Comdirect
  • Commerzbank
    They require a residence permit.
  • Deutsche Bank
  • DKB1, 2
    They rarely accept people who just moved to Germany. They use WebID to verify your passport.
  • ING1
    They use PostIdent to verify your passport1. They require a EU citizenship or permanent residence1, 2.
  • 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 sometimes require a residence permit. It depends on what passport you have.
  • Revolut
  • Vivid
    You have 90 days to submit a valid residence permit after you open the account.
  • Wise
    They are based in the UK and in Belgium1. Your bank account will have a Belgian IBAN.

You will find more information about these banks in my comparison of German banks.

Comparison of German banks ➞

Banks that require an Anmeldung

These banks require a registration certificate (Anmeldebestätigung) to open an account:

  • Berliner Sparkasse1, 2

Other problems you might have

Some banks might not accept your passport. Some banks require a residence permit. If you don't speak German yet, you might prefer a bank that speaks English. My comparison of German banks can help you choose the best bank for your needs.

German banks for expats ➞

German banks that speak English ➞