Personal accounts & Girokonto in Germany
Top-class current accounts (Girokonto) and savings accounts (Tagesgeld), governed by German banking regulations under the supervision of BaFin and the Deutsche Bundesbank.
0 €
Unlimited and free instant SEPA transfers
3,60 %
Promotional interest rate on Tagesgeld account
100 000 €
Deposit guarantee per depositor (EdB / EinSiG)
100%
Quick online opening by VideoIdent
What is a bank account in Germany?
In Germany, an individual bank account is a financial account held by an approved credit institution, supervised by the Federal Financial Supervisory Authority (BaFin) and the Deutsche Bundesbank in accordance with the Kreditwesengesetz (KWG). It allows you to safely make deposits, transfers and withdrawals anywhere in the Euro zone.
The two essential pillars of the German banking system for individuals are the Girokonto (current account) and the Tagesgeldkonto (current savings account). Girokonto allows the management of current flows: receipt of salary, SEPA direct debits (SEPA-Lastschrift), card purchases and rent payments. The Tagesgeld allows you to secure your savings, generate regular interest while maintaining total and immediate liquidity.
Girokonto (Current account)
For your daily expenses, payroll, SEPA direct debits (Lastschrift) and purchases by Debit or Girocard card.
Tagesgeld (Savings account)
To put money aside, build up a paid emergency reserve that is available at any time.
Apply for a personal account online
By providing us with some information about you, you will help us offer you the right bank account for your needs in Germany. Choose the option that best describes you.
New resident customer
I would like to open my first Girokonto in Germany with a German IBAN (DE) and all our online services.
Open an accountI am a student or apprentice
Girokonto 100% free for students, apprentices and young people under 28, with no account maintenance fees.
New arrival in Germany
Dedicated support for settling in Germany, obtaining your IBAN DE and managing your procedures (Anmeldung).
View the programHelp me choose
Answer a few questions and speak to a French-speaking advisor to find the ideal banking solution.
Consult an expertOur most popular Girokonto and savings packages
Girokonto Comfort & Mobility
Unlimited number of SEPA transactions, instant transfers and card payments throughout Europe, ideal for your daily life.
- Instant SEPA transfers : Free and unlimited to all banks in the SEPA zone
- Bank cards included : Debit Mastercard / Visa and virtual Girocard
- Cash withdrawals : Free in thousands of distributors in Germany and the Euro zone
Account maintenance fees
4,90 € / mois
Free subject to conditions
0,00 € from 1,000 €/m
Girokonto Student Advantage
100% fee-free current account for students, work-study students, apprentices and young people under 28.
- 0 € management fees : Total free guaranteed without income condition
- International Debit Card : Contactless payments and secure online purchases 3D Secure
- Mobile management & alerts : Real-time budget tracking and savings sub-accounts
Monthly fees
0 € / mois
Student Offer
Welcome bonus *
Tagesgeld Plus Savings Account
Make every euro grow with a guaranteed return, immediate availability and no obligation to make regular payments.
- Promotional rate : OBTAIN 3.60% p.a. interest guaranteed for the first months
- Daily availability : Withdraw or transfer your funds without notice or penalties
- Statutory deposit protection (EdB) : Your deposits insured up to €100,000 according to the EinSiG law
Opening & maintenance costs
0 € / mois
Remuneration
3,60 % p.a.
Our entire range of personal accounts in Germany
Girokonto Essential (Basiskonto)
Basic payment account guaranteed by the German Payment Accounts Act (ZKG), simple and accessible to any EU resident.
Girokonto Commun / Joint (Gemeinschaftskonto)
Manage couple or shared accommodation expenses with two independent bank cards linked to the same account.
Girokonto Youth (12 to 17 years old)
100% free for minors, without risk of overdraft, supervised by legal representatives with apprenticeship card.
Girokonto Prestige Exclusive
Premium account with Metal Debit Mastercard, 24/7 private concierge and extensive premium travel insurance.
Bank Account for Newcomers to Germany
Formula dedicated to expatriates with immediate German IBAN DE, support in administrative procedures and multilingual support.
Festgeld term deposit
Lock in your savings for 6 to 60 months at an attractive and guaranteed fixed rate without risk of market fluctuation.
The rigor of the German banking regulatory framework
Maximum financial protection and compliance with the strictest German and European banking guidelines.
EdB protection €100,000
Your deposits are legally guaranteed up to €100,000 per depositor via the Entschädigungseinrichtung deutscher Banken (EdB / EinSiG).
BaFin regulation
Establishment under strict prudential supervision of BaFin and the Deutsche Bundesbank according to the Kreditwesengesetz (KWG).
No minimum balance
Maintain total freedom with no binding initial deposit obligation or blocked balance on your Girokonto.
PSD2 banking security
Strong authentication (2FA/2SV), bank-grade encryption and continuous fraud monitoring.
Banking secrecy & GDPR
Strict protection of your financial data and compliance with German banking secrecy (Bankgeheimnis) and the European GDPR.
Exclusive benefits with our chequing accounts
Benefit from a European payment infrastructure at the forefront of innovation and speed.
Instant SEPA transfers
Send and receive money in less than 10 seconds to all SEPA countries via our online platform or your mobile application.
0 € / Free & InstantExtensive ATM network
Withdraw cash easily and without extra costs from thousands of partner ATMs in Germany and the Eurozone.
Withdrawals without additional costApple Pay & Google Pay cards
Instant and secure contactless payments via your smartphone or connected watch, with Debit Mastercard and Girocard compatibility.
Contactless technologyHow to open a bank account in Germany?
Opening your Girokonto is done in 4 simple steps and entirely online:
Check your eligibility
Make sure you are at least 18 years old and have legal residence in Germany or the European Economic Area.
Select your account
Choose your plan (Girokonto Comfort, Student, Joint Account or Tagesgeld) according to your needs.
VideoIdent or PostIdent identification
Identify yourself in a few minutes by secure video call (VideoIdent) or at the post office with your identity document.
Immediate generation of your IBAN DE
Sign your documents digitally and immediately obtain your credentials and your German IBAN.
Regulatory criteria to be respected
In accordance with German banking law and the provisions of the Money Laundering Act (GwG):
Ready to open your bank account in Germany?
Open your Girokonto online in minutes via VideoIdent. Your German DE IBAN is made available immediately.
