Top 10 Banks in Germany: Full Comparison Guide for Expats
Choosing the best bank in Germany depends on your lifestyle, visa status, and language skills. Expats need more than just a bank—they need English support, easy account opening, low fees, and access to digital services.
Germany offers a range of reliable banks, but most still assume users speak fluent German and hold permanent residency. This creates challenges for newcomers who need flexibility and accessibility from day one.
You don’t need to read the entire article to get the answer. The top banks for expats in Germany are N26, Commerzbank, Deutsche Bank, DKB, Revolut, Sparkasse, Volksbank, ING, Bunq, and HypoVereinsbank.
Each of these banks excels in different areas. N26 is best for digital-first users. Commerzbank suits those wanting in-person support. Deutsche Bank is ideal for global professionals. Revolut is best for international money transfers.
Sparkasse and Volksbank work well for long-term expats in smaller towns. DKB offers a full-service online experience. Bunq is perfect for eco-conscious users. ING and HypoVereinsbank cater to professionals seeking savings and loans.
This guide compares the top 10 banks in Germany based on account setup, debit and credit cards, mobile banking, customer support, international transfers, credit facilities, and how well each bank fits daily life as an expat.
Whether you’re a student, freelancer, employee, or relocating with family, you’ll find the right bank for your specific situation—all backed by real features, not assumptions.
Best Banks in Germany for Expats: Quite Comparison
Here’s a quick comparison of the top banks based on specific needs, such as digital access, international transfers, credit options, and ease of use for non-German speakers.
| Best for… | Top Bank in Germany |
|---|---|
| Best digital bank in Germany for expats | N26 |
| Best traditional bank in Germany for foreigners | Commerzbank |
| Best bank in Germany for global professionals | Deutsche Bank |
| Best bank in Germany for long-term expats | Volksbank |
| Best bank in Germany for international transfers and currency exchange | Revolut |
| Best online-only bank in Germany with full financial services | DKB |
| Best sustainable and mobile-friendly fintech bank in Germany | Bunq |
What Makes a Bank the Best in Germany?
To identify the best banks in Germany, we reviewed each institution across the following dimensions:
- Account Opening Requirements
- Account Types and Features
- Debit and Credit Cards
- Customer Service Accessibility
- International Transfer Options
- Overdraft and Credit Facilities
- Loan and Mortgage Services
- Mobile App & Online Banking
- Integration with German Systems
All reviews are based on usability for foreigners and expats, not long-time German residents.
1. N26 – Best Digital Bank in Germany for Expats
Overview:
N26 is a Berlin-based digital bank that’s fully licensed in Germany and designed for mobile-first users. Everything can be done via app, and the entire user experience—including customer service—is available in English. It’s often considered the most expat-friendly bank.
Account Opening Requirements
- No Anmeldung required
- Online setup with passport and video verification
- Accepts EU and many non-EU documents
Account Types and Features
- N26 Standard (free), N26 Smart, You, Metal
- Savings tools (Spaces), budgeting, insurance add-ons
Debit and Credit Cards
- Free Mastercard debit
- Premium accounts include metal cards with insurance
- Contactless payments, Apple/Google Pay
Customer Service Accessibility
- English-speaking chat support
- Premium accounts get phone support
- No in-person branches
International Transfer Options
- Integrated with Wise for currency exchange
- SEPA transfers are free
- No SWIFT for incoming international transfers
Overdraft and Credit Facilities
- Optional overdraft available to German residents
- Interest rates vary by user profile
Loan and Mortgage Services
- Personal loans up to €25,000 via partners
- No mortgages available
Mobile App & Online Banking
- Clean, fast, user-friendly
- App in full English
- Real-time notifications and budgeting tools
Integration with German Systems
- IBAN fully compatible for salary, rent, insurance
- Supports Lastschrift (direct debit)
N26 Review: Pros and Cons
| Pros | Cons |
|---|---|
| Fully available in English | No physical branches |
| Easy to open without Anmeldung | Cash deposit via partner stores only |
| No monthly fee for basic plan | Loans and overdraft not available to all |
| Best app for newcomers | Limited in-person service |
2. Commerzbank – Best Full-Service Bank with English Support
Overview:
Commerzbank is one of Germany’s biggest traditional banks, with a strong branch network and growing digital offerings. It supports English in large cities and offers a blend of online convenience and in-person service.
Account Opening Requirements
- Anmeldung required
- Passport accepted
- Online or in-branch setup
Account Types and Features
- Girokonto Klassik, Premium, Business
- Student and youth accounts available
Debit and Credit Cards
- Girocard and Mastercard/Visa
- Credit cards require a credit check
- Supports Google Pay and Apple Pay
Customer Service Accessibility
- Branch support, some English-speaking advisors
- Phone support, email, and secure messaging
International Transfer Options
- SEPA and SWIFT supported
- Foreign currency transfer available (fees apply)
Overdraft and Credit Facilities
- Dispo (overdraft) with moderate interest
- Higher limits for employed users
Loan and Mortgage Services
- Personal loans with flexible terms
- Mortgages available with income proof
Mobile App & Online Banking
- Functional, secure, but not the most intuitive
- Some English interface, mostly German
- Supports TAN generator and photoTAN
Integration with German Systems
- Fully SEPA-compliant
- Compatible with landlords, utilities, and health insurance
Commerzbank Review: Pros and Cons
| Pros | Cons |
|---|---|
| Nationwide branch network | Not all branches have English-speaking staff |
| Free current account (with conditions) | App interface could be improved |
| Full-service bank with loans and mortgages | High paper documentation at signup |
| Secure online banking tools | Limited live chat support |
3. DKB – Best Online Bank with Full Banking Services
Overview:
Deutsche Kreditbank (DKB) is a leading online-only bank. It’s cost-effective and includes all standard banking products, making it ideal for those who prefer digital services and are comfortable with basic German.
Account Opening Requirements
- Anmeldung and valid ID required
- Video call for identity verification
- Accepts many non-EU passports
Account Types and Features
- DKB-Cash (free)
- Joint accounts and credit cards available
Debit and Credit Cards
- Free Visa debit card
- Credit card offered after salary verification
- Mobile payments supported
Customer Service Accessibility
- Only email and phone support
- No English phone line
- Online help documentation in German
International Transfer Options
- Free SEPA transfers
- Foreign currency via partners (no direct service)
Overdraft and Credit Facilities
- Overdraft (Dispo) up to €1,000, scalable
- Competitive rates (~7%)
Loan and Mortgage Services
- Personal loans and car loans
- Mortgage products for employees with German contracts
Mobile App & Online Banking
- Secure app with pushTAN
- English available in app menus
- Web login with transaction history
Integration with German Systems
- Works for rent, taxes, utility bills
- Accepted by landlords, employers, and insurance firms
DKB Review: Pros and Cons
| Pros | Cons |
|---|---|
| Full range of services with low fees | Customer service is slow and in German |
| Visa card included for free | Not suited for those with no German skills |
| Great mobile and web banking | No in-person branches |
| Strong savings and credit options | Limited for freelancers |
4. Deutsche Bank – Best for Global Professionals
Overview:
Deutsche Bank is Germany’s largest private bank with international branches and private wealth options. It is well-suited to professionals, high-income earners, and global citizens.
Account Opening Requirements
- Anmeldung required
- Identity verification in person
- Foreign documents accepted in major cities
Account Types and Features
- BestKonto, AktivKonto, StartKonto (students)
- Wealth management and investment accounts
Debit and Credit Cards
- Girocard with option for Mastercard/Visa
- Annual fees may apply
- Full Apple Pay/Google Pay support
Customer Service Accessibility
- English-speaking staff in larger cities
- Online appointment booking
- Branches in most regions
International Transfer Options
- SEPA and SWIFT supported
- Exchange rate margins and fees apply
Overdraft and Credit Facilities
- Dispo with adjustable limit
- Credit cards with repayment plans
Loan and Mortgage Services
- Personal loans up to €75,000
- Mortgage packages available for EU and some non-EU citizens
Mobile App & Online Banking
- Secure and modern
- App available in English and German
- Investment tools and portfolio integration
Integration with German Systems
- Universally accepted for all German financial needs
- Used by employers, embassies, government agencies
Deutsche Bank Review: Pros and Cons
| Pros | Cons |
|---|---|
| Well-recognized brand in Germany | Monthly fees even for basic accounts |
| English support available in cities | Complex onboarding process |
| Global services and credit access | Less friendly for low-income users |
| Best for business, travel, and salary | High documentation requirements |
5. Sparkasse – Best for Local Stability and Integration
Overview:
Sparkasse is not a single bank but a network of regional banks throughout Germany. Though it is the most widely trusted and accessible bank, it is also the most traditional—and largely operates in German only.
Account Opening Requirements
- Anmeldung required
- In-person branch appointment necessary
- Documents and processes vary by region
Account Types and Features
- Basic current account, student account, senior account
- Many region-specific features
Debit and Credit Cards
- Girocard always included
- Optional Mastercard or Visa with fees
- Supports mobile payments
Customer Service Accessibility
- Branch-heavy service model
- Very limited English availability
- No centralized support structure
International Transfer Options
- SEPA transfers only
- SWIFT is possible but expensive
Overdraft and Credit Facilities
- Dispo credit available upon request
- Must have regular income and credit history
Loan and Mortgage Services
- Consumer loans and mortgages
- Requires local credit history
Mobile App & Online Banking
- Each regional Sparkasse has its own app
- Most services in German only
- PushTAN and chipTAN security
Integration with German Systems
- Excellent. Used for health insurance, rent, school fees, and tax
Sparkasse Review: Pros and Cons
| Pros | Cons |
|---|---|
| Highly secure and established | Entirely in German |
| Available in every German town | App system is outdated |
| Strong integration with local services | Charges for basic services like statements |
| Good for conservative users and families | Difficult for short-term residents or tourists |
6. ING Germany – Best for Digital Simplicity and Savings
Overview:
ING Germany, the German arm of the Dutch ING Group, is one of the most popular online banks in the country. Known for its transparent pricing, user-friendly interface, and low fees, it’s a solid option for expats who prefer digital services but still want a reputable bank.
Account Opening Requirements
- Anmeldung required
- EU and non-EU passports accepted
- Online identity verification available via video chat
Account Types and Features
- Free current account (with minimum monthly deposit)
- Savings accounts with competitive interest
- Brokerage accounts and ETFs for investors
Debit and Credit Cards
- Free Visa debit card
- Credit card available upon application and approval
- Google Pay and Apple Pay supported
Customer Service Accessibility
- Phone support (in German only)
- Secure email and contact forms
- No physical branches
International Transfer Options
- Free SEPA transfers
- No built-in foreign exchange service
- SWIFT transfers possible via support (fees apply)
Overdraft and Credit Facilities
- Overdraft up to €10,000 for eligible clients
- Transparent fees and interest rates
- Only for clients with regular German income
Loan and Mortgage Services
- Personal loans with flexible repayment
- Mortgage offerings for property buyers in Germany
- Online application with fast approval process
Mobile App & Online Banking
- One of the best-reviewed banking apps in Germany
- Simple interface, available in German (limited English)
- Full budgeting features and transaction insights
Integration with German Systems
- Compatible with SEPA, Lastschrift, and salary deposits
- Fully integrated into German financial ecosystem
ING Germany Review: Pros and Cons
| Pros | Cons |
|---|---|
| Free account with regular income | Limited English-language support |
| Excellent digital experience | Requires Anmeldung and stable income |
| Trusted and reputable bank | No physical service options |
| Strong savings and investment products | Credit features not always available to newcomers |
7. HypoVereinsbank (UniCredit Bank) – Best for EU Expats
Overview:
As part of Italy’s UniCredit Group, HypoVereinsbank (HVB) has a more international background than many German banks. Its services are geared toward professionals, entrepreneurs, and EU citizens with business or cross-border needs.
Account Opening Requirements
- Anmeldung required
- Identity verification in person
- Foreign ID accepted, but some staff may require German documentation
Account Types and Features
- AktivKonto, PlusKonto, ExclusiveKonto
- Business banking and investment portfolios
- Student accounts available
Debit and Credit Cards
- Girocard and Mastercard options
- Fees apply depending on account type
- Mobile payments supported
Customer Service Accessibility
- Available via phone, email, and branch
- English availability varies by location
- Priority support for ExclusiveKonto users
International Transfer Options
- SEPA and SWIFT transfers supported
- International accounts can be opened through UniCredit EU network
- Foreign currency transfers available
Overdraft and Credit Facilities
- Overdraft available with salary verification
- Moderate interest rates
- Credit based on German Schufa and income
Loan and Mortgage Services
- Personal loans and real estate financing
- Mortgages for EU citizens and permanent residents
- Business loans also available
Mobile App & Online Banking
- Functional, secure, but not as modern as fintech platforms
- Online banking mostly in German
- App includes transaction history and account management
Integration with German Systems
- Fully integrated for rent, health insurance, utilities
- Accepted for direct debits and tax payments
HypoVereinsbank Review: Pros and Cons
| Pros | Cons |
|---|---|
| Strong EU connections for cross-border needs | German-centric online services |
| Comprehensive product portfolio | Branch-dependent services |
| Suitable for professionals and long-term expats | English support inconsistent |
| Trusted UniCredit international structure | Account opening not intuitive for new arrivals |
8. Volksbank – Best for Localized Service
Overview:
Volksbank and Raiffeisenbank are cooperative banks rooted in regional Germany. While not a single institution, they operate under similar frameworks and offer personalized service. Each local branch has its own fee structure, conditions, and policies.
Account Opening Requirements
- Anmeldung required
- In-person setup at local branch
- Documentation depends on regional policies
Account Types and Features
- Current account, savings, business and youth options
- Community-based banking approach
- Regional loyalty programs or rewards
Debit and Credit Cards
- Girocard standard
- Optional credit cards from Mastercard/Visa
- Mobile payments vary by branch
Customer Service Accessibility
- Strong personal service in-branch
- Rarely available in English
- No centralized customer support
International Transfer Options
- SEPA supported
- SWIFT transfers possible but with high fees
- No in-app currency exchange
Overdraft and Credit Facilities
- Available upon request
- Requires salary verification and regional approval
Loan and Mortgage Services
- Localized personal and housing loans
- Mortgages for property within service region
- Co-financing with state programs possible
Mobile App & Online Banking
- Each bank has its own version of app
- Security through chipTAN or pushTAN
- Interface in German and English
Integration with German Systems
- Used widely in rural areas
- Compatible with all national direct debit systems
Volksbank Review: Pros and Cons
| Pros | Cons |
|---|---|
| Personalized service and relationship-based | Services many vary by region |
| Trusted in smaller towns and rural areas | App and online systems less consistent |
| Co-operative ownership structure | Not enough English support |
| Ideal for long-term residents | Difficult for newcomers and short stay |
9. Bunq – Best for Tech-Savvy and Eco-Conscious Expats
Overview:
Founded in the Netherlands, Bunq is a fully digital bank licensed in the EU, including Germany. It’s designed for people who want fast setup, flexible money management, and sustainability features.
Account Opening Requirements
- No Anmeldung required initially
- Requires EU address after trial period
- Passport and selfie verification online
Account Types and Features
- Easy Bank, Easy Money, Easy Green
- Group accounts, sub-accounts, budgeting tools
- Tree-planting with purchases (Easy Green only)
Debit and Credit Cards
- Mastercard debit included
- Maestro optional
- Mobile payments supported
Customer Service Accessibility
- In-app chat available
- Full English support
- No phone or in-person contact
International Transfer Options
- SEPA and SWIFT supported
- Built-in currency exchange via TransferWise integration
Overdraft and Credit Facilities
- No overdraft or credit lines offered
- All transactions are prepaid or direct debit
Loan and Mortgage Services
- No loans or mortgages offered
- Focused only on transaction banking
Mobile App & Online Banking
- One of the most advanced interfaces
- App in English by default
- Customizable controls and instant notifications
Integration with German Systems
- German IBAN provided
- Works for salary, rent, insurance, and direct debits
Bunq Review: Pros and Cons
| Pros | Cons |
|---|---|
| App-first, English-native platform | No credit or mortgage products |
| Fast setup without Anmeldung | Monthly fees for all plans |
| Sustainability focus appeals to many | Customer support is chat-only |
| Transparent and customizable tools | Not suited for those who prefer traditional banking |
10. Revolut (with German IBAN) – Best for Cross-Border Finance
Overview:
Revolut is a global financial app with a German banking license. Though not a full-service traditional bank, it’s excellent for expats who need currency flexibility and travel often.
Account Opening Requirements
- No Anmeldung required
- Passport and address required
- Identity verification via app
Account Types and Features
- Standard (free), Plus, Premium, Metal
- Multi-currency accounts and crypto wallet
- Budgeting and vaults included
Debit and Credit Cards
- Visa or Mastercard depending on plan
- Physical and virtual cards
- Apple Pay and Google Pay supported
Customer Service Accessibility
- English chat in-app
- Phone support for premium plans
- No physical branches
International Transfer Options
- Free SEPA transfers
- Excellent currency exchange rates
- SWIFT supported for higher-tier users
Overdraft and Credit Facilities
- No overdraft line
- Buy Now Pay Later (BNPL) in selected countries
- No traditional credit products in Germany
Loan and Mortgage Services
- Not available in Germany
- Some markets have short-term credit tools
Mobile App & Online Banking
- Sleek and intuitive mobile experience
- Full English interface
- Advanced spend analytics and controls
Integration with German Systems
- IBAN issued in Germany
- Accepted for rent, salary, and utility payments
- SEPA and Lastschrift compliant
Revolut Review: Pros and Cons
| Pros | Cons |
|---|---|
| Ideal for travelers and multi-currency use | No loans or mortgages in Germany |
| English-first experience | Not a traditional bank (limited protections) |
| Free account options available | Customer support limited to chat (unless premium) |
| Real-time exchange and budgeting features | No cash deposit or branch access |
What Is the Best Bank in Germany for Expats?
There’s no single best bank for everyone. What matters is choosing a bank that understands where you are today—and where you’re going tomorrow. For expats, the right bank is one that’s not only easy to open and use, but also flexible enough to grow with you.
At KUMMUNI, we’ve seen firsthand which banks work best for international tenants. Hundreds of our residents use N26, and almost all of them shared positive feedback during our recent surveys. It’s fast, fully digital, English-friendly, and ideal for getting started in Germany without hassle.
But when it comes to long-term banking, we strongly recommend Berliner Volksbank. It’s the bank we use for parts of our business and among our team—and for good reason. While many German banks are rigid and risk-averse, Volksbank is different. They’re flexible, supportive, and willing to adapt.
What truly makes a bank “the best” isn’t just the app design or account fees—it’s how the bank treats you as your life in Germany evolves. Can they support you when you move, change jobs, start a business, or apply for credit? That’s where Volksbank stands out. Their motivated teams and responsive service make a real difference.
Yes, you can switch banks anytime—but your banking history, credit relationship, and financial track record don’t transfer with you. If your bank doesn’t grow with you, you’ll feel restricted. That’s why choosing a bank that supports your future is just as important as one that fits your present.
Choose a bank that’s ready to move forward with you—not one that holds you back. Whether you start with N26 or commit to Volksbank, make sure your bank fits your journey, not just your address.
