Banking in Germany
You need a German bank account with a real IBAN for your salary, rent and most contracts. Here is how to open one as a newcomer — and what to use before your Anmeldung is done.
Do you need a German IBAN?
Employers, landlords and utilities generally expect a German (DE) IBAN. EU IBANs are legally acceptable but sometimes rejected in practice, so a German account avoids friction.
Opening an account without Anmeldung
Some mobile banks let you open an account with just a passport and video ID before you have a registered address; a traditional bank usually needs your Meldebescheinigung first.
Free vs. paid accounts
Compare monthly fees, ATM withdrawals, English support and whether the IBAN is German. Our comparison lists non-promotional options too.