We recommend
€0/mo
paid tiers optional
Best for: Getting a working DE IBAN before your Anmeldung exists.
Monthly fee
€0 base
Opening
In-app, video ID
Docs
Passport only
App
Excellent, English
Girocard
No (Mastercard debit)
✓DE IBAN works for rent and salary
✓Opens before residency paperwork
✓Fully English app and support
×No classic Girocard, a few places refuse Mastercard
×No cash deposits beyond partner shops
From the Bank accounts comparison in Berlin. Prices checked June 2026.