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Wie funktioniert InstantTransfer? You may face difficulties if you cannot show a financial history. The best way to open a German bank account is to turn up to the branch in person with your documentation.

Also, you must prove your identity at a post office or online by following the post-ident procedure. Accounts can normally be opened within working days.

Some direktbanks allow customers to open bank accounts from abroad. Some banks allow you to submit your personal documentation online while others, such as bunq, allow you to open an account in a few minutes using nothing more than your mobile phone.

If you want to open an account with a German bank before you move there, you will need to have sorted out your German visa and have a German address that you can use for the account.

In general, it is easier to open up a German bank account after you have relocated. You can open up a digital or mobile account with some German banks without visiting a physical branch if they have the capacity for you to provide online documentation.

If you have a bank account already and want to switch to mobile, all you need to do is download the mobile banking app to your smartphone or mobile device.

Opening an account with a mobile-only or online-only bank is quite straightforward if you have an email address, mobile phone number, and valid ID.

See these guides to digital banking in Germany and mobile banking in Germany for more information. If you are starting up a business or working as a freelancer in Germany, it makes sense to open up a separate business account to keep your finances separate.

In fact, if your company operates as a limited company, having a separate account will be a legal requirement. The process for opening up a business bank account in Germany depends on what business model you are using.

Sole traders and freelancers generally only need to provide the same documentation as private individuals. Partnerships are required to provide details and documentation for all partners, while limited companies need to submit articles of association, business registration details, certificate of incorporation, plus list of shareholders if applicable and trade license needed in some cases.

Business accounts for limited companies in Germany need to be opened in person, with the CEO present. Many German banks offer current and savings accounts for children and young people.

Products vary from bank to bank but most German banks allow residents to open accounts on behalf of their children if they are under German banks are under no obligation to grant an account to applicants and may refuse an application on a number of grounds e.

If you want to complain about treatment from a German bank, for example if you feel you have been discriminated against, you can complain to the Financial Ombudsman in Germany.

Banks in Germany generally provide similar services to major banks in the US, the UK, and many other European countries. See this guide to banking in Germany for more information.

You can choose how to manage your money and finances with German banks as many offer a range of service options.

If you want to switch to another bank, the best way of doing this is to open the new account first. In order to close an account in Germany, you will usually need to fill out and sign an account closing order.

This will officially close the account, but before closing a bank account in Germany, make sure that you:. Have a cookie Expatica uses technology such as cookies and scripts to personalize content and ads, provide social media features, and analyze our traffic.

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