Many foreigners face difficulties when choosing a suitable bank in Germany. The Top 5 banks in Germany for foreigners will help you understand where it’s easier to open an account, which offers better terms, and where support is more accessible. This overview considers real user scenarios, fees, English-language support, and more.
📌 This article is part of a financial guide for expats and EU residents. It complements the topic: How to Open a Bank Account in Germany: A Complete Guide for Foreigners.
Table of Contents
- Selection Criteria Overview
- Deutsche Bank
- Sparkasse
- Commerzbank
- N26
- DKB
- Comparison Table
- Real-Life Case Study
- Summary
- FAQ
- Related Reading
- Sources
Selection Criteria Overview
Before opening a bank account, consider the following:
- English-language support availability;
- Account opening process for non-residents (without Anmeldung);
- Mobile app and online banking features;
- Monthly fees and transfer costs;
- Physical or virtual card access;
- ATM network reach across the EU.
These factors are the foundation of our Top 5 banks in Germany for foreigners in 2025 comparison.
Deutsche Bank
Deutsche Bank is a major traditional bank with an extensive branch network. Ideal for those who prefer in-person service.
Pros:
- English-language support;
- Easy to open with Anmeldung;
- Offers premium cards and credit products.
Cons:
- Monthly fee starting at €10;
- High fees for international transfers (from €5);
- Requires proof of German address.
Sparkasse
Sparkasse is one of Germany’s most common banks with branches in nearly every town. Great for students and those seeking local stability.
Pros:
- Access to over 12,000 ATMs;
- Free accounts available with regular deposits;
- Local presence in most areas.
Cons:
- Limited English support;
- Some cards lack CVC, limiting online use;
- Account opening can be slow.
Commerzbank
Commerzbank blends digital convenience with traditional services. Designed for customer comfort, including foreigners.
Pros:
- Free account with deposits of €700+ per month;
- Good mobile banking app;
- English-language interface and support.
Cons:
- Requires in-person visit for account opening;
- Branch visits by appointment only.
N26
N26 is a fully digital bank, ideal for users who prioritize mobility and simplicity. No Anmeldung required.
Pros:
- Open an account online in 10 minutes;
- No monthly fee in the basic plan;
- English and multi-language support.
Cons:
- No physical branches;
- Limited free cash withdrawals (3/month);
- ID verification via video calls may be needed.
DKB
DKB is a reliable online bank with favorable terms for active users.
Pros:
- Free account if actively used;
- Free SEPA transfers and EU-wide ATM withdrawals;
- Excellent online banking interface.
Cons:
- Mostly German-only interface and support;
- Account setup may be delayed without German phone number.
Comparison Table
| Bank | Monthly Fee | Cash Withdrawal | English Support | No Anmeldung Required |
|---|---|---|---|---|
| Deutsche Bank | from €10 | from €2 | ✅ | ❌ |
| Sparkasse | €0–5 | €2–4 | Partial | ❌ |
| Commerzbank | €0 (≥€700) | €0–3 | ✅ | ❌ |
| N26 | €0 | 3x free/month | ✅ | ✅ |
| DKB | €0 | Free | Limited | ✅ (sometimes) |
Real-Life Case Study
Used N26 while in Germany on a student visa. Opened the account without Anmeldung — the entire process took about 15 minutes in the app. Account was active the same day. Main benefit: no hidden fees and easy mobile banking.
Also tried Sparkasse: the process took 5 days, required Anmeldung, and physical paperwork. Customer service was only in German.
Summary
- N26 — best for non-residents and fully online users.
- Commerzbank — good hybrid of classic and digital services.
- DKB — cost-effective for active use and no Anmeldung required.
- Sparkasse — stable, but requires more time and German knowledge.
- Deutsche Bank — premium service and wide branch access.
FAQ
Which German bank is best for foreigners without registration?
N26 and DKB allow opening accounts without Anmeldung. Suitable for students and freelancers.
Can I open a German bank account before moving there?
Some banks like N26 allow online setup from abroad. ID verification via video call is usually required.
Which banks in Germany offer English support?
Deutsche Bank, Commerzbank, and N26 provide English interfaces and customer service.
How much are monthly bank fees in Germany (2025)?
Fees range from €0 to €10/month. Free accounts may require minimum deposits or usage.
What is a Girokonto and do I need one?
Girokonto is a standard current account — essential for receiving salaries, paying rent, and everyday transactions.
Related Reading
📚 Also read:
How to Open a Bank Account in the EU in 2025 — A Step-by-Step Guide for New Residents and Expats.
