Opening a German bank account without an Anmeldung

Opening a German bank account without an Anmeldung

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, 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 sent their N26 card to their work address1.

Verification method: Video ID for supported passports, PostIdent for others

Pros:

Cons:

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.

Verification method: PostIdent

Pros:

Cons:

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 Anmeldung1, 2. If you are applying for a student visa, only a few banks offer a blocking account. Deutsche Bank, Fintiba and X-patrio are the most common options..

Pros:

Cons:

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 Anmeldung1, 2, 3, 4. Sparkasse is a well-established bank with the largest ATM network in Germany.

Pros:

Cons:

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.

Other people have opened Commerzbank accounts without an Anmeldung1, 2.

Verification method: Commerzbank employee

Pros:

Cons:

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.

Verification method: PostIdent

Pros:

Cons:

Review: An overview of German banks and their fees

Website: dkb.de

ING DiBa

ING DiBa is another online bank that lets you create an account without an Anmeldung1. It uses PostIdent to validate your documents. Just like N26 and DKB, it has no monthly fees and free withdrawals.

Verification method: PostIdent

Pros:

Cons:

Review: An overview of German banks and their fees

Website: ing-diba.de

bunq

bunq is an online bank based in the Netherlands. They let you open an account before you even arrive in Germany. They support more passport types than N26, so it might be easier to open an account with them.

Verification method: Video call

Pros:

Cons:

Website: bunq.com

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.