What do I need to open a bank account in Germany?

Requirements vary by bank. Typically you need ID, proof of address, and sometimes proof of income. See our Open bank account as foreigner page for Germany for details.

What are typical ATM fees in Germany?

ATM fees depend on your bank and the ATM operator. Compare banks and see our ATM fees guide for Germany for tips.

Best Banks for Expats in Germany

Banks in Germany that often suit expats: multi-currency accounts, international transfers, and account opening for non-residents.

Bank	HQ
Bayerische Landesbank	Germany	View profile
Commerzbank	Germany	View profile
Commerzbank AG	Germany	View profile
Deutsche Bank	Germany	View profile
Deutsche Bank AG	Germany	View profile
DZ Bank	Germany	View profile
DZ Bank AG	Germany	View profile
Emirates NBD	United Arab Emirates	View profile
ICICI Bank	India	View profile
ING Deutschland	Germany	View profile
ING Group	Netherlands	View profile
KfW	Germany	View profile
Landesbank Baden-Württemberg	Germany	View profile
Industrial and Commercial Bank of China (ICBC)	China	View profile
Agricultural Bank of China	China	View profile
China Construction Bank	China	View profile
Bank of China	China	View profile
Bank of America	United States	View profile
HSBC	United Kingdom	View profile
BNP Paribas	France	View profile
MUFG Bank	Japan	View profile
Barclays	United Kingdom	View profile
Citibank	United States	View profile
Deutsche Bank	Germany	View profile

All banks in Germany · Open account as foreigner

Criteria for Expat-Friendly Banks in Germany

Banks that are well-suited for expats in Germany typically offer:

Multi-Currency Accounts: Hold and manage multiple currencies in a single account, making it easier to receive money from abroad and manage international finances.
International Transfers: Competitive exchange rates and lower fees for sending and receiving money internationally compared to traditional methods.
Account Opening for Non-Residents: Simplified requirements and processes for opening accounts as a non-resident or expat.
English-Language Support: Customer service and online banking interfaces available in English or other common languages.
Global ATM Access: Extensive ATM networks or partnerships that allow fee-free or low-fee cash withdrawals worldwide.
Online and Mobile Banking: Robust digital banking platforms that allow you to manage your account from anywhere.

Money Transfer Tips for Expats

When transferring money to or from Germany:

Compare exchange rates and fees across different banks and money transfer services to find the best deal.
Consider using specialized money transfer services (like Wise, Revolut, or similar) for better rates on international transfers.
Set up standing orders or recurring transfers if you regularly send money to the same recipient to save time and potentially reduce fees.
Keep records of all international transfers for tax and accounting purposes.

More Banking Information for Germany

Country Overview All Banks For Students For Tourists Open Account Guide ATM Fees

Sources & disclaimer

Independent information page. We are not affiliated with any bank or financial institution. All trademarks belong to their respective owners. Information is compiled from official bank websites and public sources. Requirements and fees change; always confirm on the bank's site. For information only; not financial, legal, or tax advice.

Last updated: March 29, 2026 · Full disclaimer