Step-by-step process
1) Pick a bank (C24 and N26 are fastest). 2) Fill the online application. 3) Complete video-ident with passport. 4) Receive your German IBAN. 5) Virtual card is usable immediately; physical card arrives in 3-5 days.
Tips for expats
If you're brand new in Germany, open a C24 or N26 account as soon as you have your Anmeldung. Avoid Sparkassen until you're settled — they require an in-branch appointment that's slow to book.
What to do after opening
Set up your salary deposit, switch any direct debits using the Kontowechselservice, and enable Apple Pay or Google Pay for daily use.
Documents you need
| Document | Required? | Notes |
|---|---|---|
| Passport / ID card | Yes | EU ID or passport |
| Anmeldebestätigung | Most banks | German address registration |
| German tax ID (Steuer-ID) | Yes | Issued automatically after Anmeldung |
| Smartphone | Yes | For video-ident |
| Proof of address | Sometimes | Utility bill, lease |
Frequently Asked Questions
Can I open an account without Anmeldung?
Some online banks (e.g. N26, bunq) allow EU residents to open accounts without German Anmeldung; most others require it.
How long does video-ident take?
Typically 5-10 minutes during business hours.
Can I open an account in English?
Yes — C24, N26, Revolut and most neobanks fully support English.
Is there a minimum deposit?
No — the best free accounts have no minimum deposit.
Ready to get started?
Open your account in minutes — fully digital, BaFin-regulated, with German IBAN.