Get your salary paid in, pay rent, and skip the SCHUFA wall. The right Girokonto saves you 6 euros a month, every month.
Mobile-first German bank. Free Standard plan, German IBAN, 2 free EUR ATM withdrawals per month. €10 one-time card delivery.
Best for New arrivals without a SCHUFA history
Online direct bank. Free Aktivkonto with €700+ monthly deposits, otherwise €4.50/month (free for under 28). Free worldwide ATM withdrawals.
Best for Travelers — free worldwide ATM withdrawals
Major direct bank. Free Girokonto with €1,000/month deposits or for customers under 28. Free Visa debit included.
Best for Salaried employees who want a free major bank
Multi-currency account with EUR IBAN. 0.33–0.57% FX margin, €250/month free ATM withdrawals.
Best for Expats receiving income in multiple currencies
Digital bank with optional German IBAN. Free Standard plan, paid plans add metal cards and travel perks.
Best for Budgeting tools and travel cards
European challenger bank with German IBANs. Free tier is savings-only. Core checking €3.99/month, Pro €9.99/month, Elite €18.99/month.
Traditional branch bank. Free for first 3 months and for customers under 28; €4.90/month after. €50K balance waiver available.
Best for Customers who need an in-person branch network
Local public savings bank. Each regional Sparkasse operates independently — exact pricing varies locally. Best when a landlord or employer insists on a traditional Girokonto.
Best for Anyone whose landlord requires a brick-and-mortar German bank
Pricing note: Varies €4–€12/month depending on region, age, and account model. Check your local Sparkasse.
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4 girokonto questions.
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