However, they are perfectly entitled to ask your immigration / residency status (and reject you if you do not have a valid residence permit).ĭKB is an account that’s often recommended by expat bloggers. If you’re happy to pay a monthly account fee and if access to in-branch service is important for you, one of these could be a better option.īanks are definitely not allowed to do is to discriminate based on nationality.
Sparkasse and Deutsche Bank also tend to be less fussy – but their accounts are not free. If your circumstances mean you are not the typical average applicant, perhaps this is your best course of action, at least for the first few months until you have established yourself.
N26 are considerably more laid back around who they accept. So, the best German bank account for natives may not necessarily be an available option for newbie expats! If you have recently arrived, don’t have a job yet and have no credit history within Germany, there is definitely a possibility that they will not approve your application. There is no guarantee that your account application will be accepted.īanks are often conservative, risk averse institutions. What to do if they don’t accept my application? No option to withdraw cash from partner merchants.įor withdrawals in currencies other than the euro an exchange rate of 1.7% applies.įree at any ATM globally if you use your Visa credit card.įree at ATMs in the eurozone which display the Visa sign, with no conditions attached.įree at ATMs in the eurozone which display the Visa sign. You can use any ATM.įree using your debit card at any of the 9,000 ATMs from Commerzbank, Deutsche Bank, HypoVereinsbank and Postbank, as well as Shell petrol stations.įree using your Visa credit card globally if you’re an “active customer” (see rules regarding monthly deposits).įree using your girocard at any of the 1,200 ING DiBa ATMs.įree at 97% of German ATMs using your VISA credit card for withdrawals €50 and above.įree using the CASH26 network of partner merchants (supermarkets and stores)įree using the network of partner merchants (supermarkets and stores) for purchases above €5. Subsequent withdrawals cost €2 per withdrawal.
Dkb visa debit credit free#
5 withdrawals per month for the first 3 months, then 3 free withdrawals thereafter.
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