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Opening a Bank Account (Girokonto) in Germany: real experience from chats

Short answer
Opening a German bank account is inconsistent, so visit multiple branches of local institutions like Sparkasse and Volksbank to increase your chances. Always provide your Anmeldung and supporting documents, and consider bringing a German-speaking companion to assist with the process if needed.

From real experience

Opening a bank account in Germany for non-EU citizens (especially Russians) is challenging and highly inconsistent. 1. **Deutsche Bank**: May have a policy of not opening accounts for Russians, even with residence permits. 2. **Sparkasse**: May reject applicants with short-term visas. 3. **Volksbank**: Can be an option. 4. **Strategy**: Be persistent and try multiple branches.
Using a formal 'Basisconto' (basic account) application might help, as banks are legally obligated to offer them under certain conditions. Having a German-speaking companion can facilitate communication and improve chances of success. Success is largely dependent on the specific branch and clerk encountered.
✓ 1 report from chats
Opening a bank account in Germany with a short-term (Schengen) visa is difficult but possible.
Key requirements: 1. Anmeldung (local residency registration) is mandatory. 2. Supporting documents for the stay (e.g., internship contract) are essential. 3. Persistence is required: standard bank compliance often defaults to rejection, so visiting multiple branches or asking for specific staff (some may be more helpful) is recommended. Online banks (Revolut, Paysafe) are also an option, though criteria have become stricter in recent years.
✓ 1 report from chats
For individuals in Germany holding a D visa, opening a bank account can be challenging if digital banks are uncooperative.
A viable alternative is to visit local Sparkasse branches. One user successfully opened an account at Rheinhessen Sparkasse with a D visa. Note that some Sparkasse branches may require assistance from a German-speaking person, as not all staff speak English officially.
✓ 1 report from chats
It is possible to open a bank account in Germany without a residence permit ('Anmeldung' or residence card).
Several banks, including Sparkasse, N26, and potentially others like Revolut, may allow account opening with just a valid visa. It is advisable to visit multiple bank branches to inquire about their specific requirements for non-residents.
✓ 1 report from chats
Recommendations for opening bank accounts in Germany for individuals with a residence permit (Aufenthaltstitel).
While Commerzbank reportedly denied an application, Sparkasse and Volksbank are suggested as more accessible options. Revolut is also mentioned as a possibility.
✓ 1 report from chats

Related topics

🛂 German Schengen Visa (Visitor/Tourist) 💰 Official Invitations and Financial Guarantees 🛂 Work Visas and Blue Card 🛂 Job Search and Skilled Worker Visas 💰 Issuing Invitations and Financial Guarantees 🛂 Schengen Visa Usage and Purpose of Trip

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