Free German Bank Account | DKB, Comdirect, ING DiBa with free VISA Card

Do you plan to move to Germany or have you recently moved to Germany and need to set up everything, especially banking stuff? Maybe you are interested in a free German bank account respectively a free check account, free checking account, free bank giro account, free current account? By the way, the German word for bank account is “Girokonto“, “Bankkonto” or just “Konto”. The German word “Kreditkarte” is used for credit card. Let’s start saving money:

Best free German bank account at DKB, Comdirect and ING-DiBa

I guess that your new free bank account shall include a free credit card as well? When you compare bank accounts there are especially 3 banks that actually offer this type of service across Germany hassle-free: a free bank account including a credit card at no costs. These 3 direct banks are DKB (Deutsche Kreditbank AG), Comdirect Bank (fully-owned subsidiary of the well-known German Commerzbank AG) and the ING-DiBa (fully-owned subsidiary of the well-known international Dutch bank ING Group). Take a look to the most important features of these bank accounts – you can apply for them direct online.

ING-DiBa DiBaDu Bank Kostenloses Girokonto mit Kreditkarte Testsieger

ING-DiBa bank account

  • €0.00 p.m. / No monthly fee
  • No minimum incoming payment
  • Free Visa Card (debit card)
  • Free Banking card (girocard)
  • Withdraw money at no cost: EURO-zone with Visa card
  • > 9.3m customers in Germany
  • Highlights: Biggest direct bank in Germany, asset building with Scalable Capital

Open bank account

ING-DiBa test (German)
DKB-Cash Kostenloses Girokonto mit Kreditkarte Testsieger

DKB bank account

  • €0.00 p.m. / No monthly fee
  • No minimum incoming payment
  • Free Visa card (charge card)
  • Free banking card (girocard)
  • Withdraw money at no cost with Visa card worldwide
  • > 3.8m customers in Germany
  • Highlights: Biggest direct bank in Germany, asset building with Scalable Capital

Open bank account

DKB-Cash test (German)
comdirect Kostenloses Girokonto mit Kreditkarte Testsieger

Comdirect bank account

  • €0.00 p.m. / No monthly fee
  • No minimum incoming payment
  • Free Visa Card (charge card)
  • Free banking card (girocard)
  • Withdraw money at no cost in Germany with Girocard and in non-€-zone with Visa Card
  • > 3.5m customers in Germany
  • Highlights: Receive up to 200 € bonus as a new customer

Open bank account

Comdirect test (German)

Any recommendations or experience with ING-DiBa, DKB or Comdirect Bank?

I can absolute recommend to you all of these three banks as I am a happy customer of each of them. My experience: The Comdirect account I use for as my main bank account and my active online brokerage for trading stocks worldwide at low costs. The DKB-Cash account I use for our common budget account with my wife. The ING-DiBa account currently I use as a backup bank account and saving money, such as a ETF savings plan.

It is possible for you to open all three bank accounts as a joint account or omnibus account, meaning for two account holders that have to live under the same address. Perfect for couples or married couples. There is also no account fee and you will get an extra package of girocard and credit card for free.

Within the last years all three direct banks has seen a huge rising number of new customers every day. Nowadays, ING-DiBa, DKB and Comdirect bank are the three biggest directs banks in Germany.

Can I have full banking services at Direct Banks in Germany?

All three banks are direct banks without branches that offer flexible and secure online banking from the comfort of your home or on the way. On top of these great services and advantages, you might receive a welcoming bonus that will go directly into your new bank account (this is an offer from Comdirect, valid for new clients only).

Direct bank doesn’t mean only just checking account. In addition to the standard , you are able to choose from a wide range of additional banking products such as saving accounts, online brokerage or installments.

The most attractive feature of these banks is that money withdrawals with Visa Card have no fees all year long! In detail: with the DKB-Cash Bank Account and its DKB Visa Card you are able to get cash worldwide with no fees at all at the Visa-ATMs. The Comdirect Bank account offers a Visa Debit Card with no fees outside Germany and with the ING-DiBa Bank Account and its Visa Debit Card there are no fees in Countries within The European Union (Countries with currency “Euro”).

How to open a bank account at DKB, Comdirect or ING-DiBa?

The process of opening a bank account in Germany is very straight forward and it is needed whenever you start a new job or plan to live in Germany.

Please keep in mind that you should have a valid document or notice that you have your current residence / place of residence in Germany (you can get at “Einwohnermeldeamt” or “Bürgeramt”). The minimum age for opening a German bank account is 18.

Once you have compared the services that DKBComdirect and ING-DiBa can offer you and have the national documents, you can open an online German bank account with the bank of your choice.

free German bank account

free German bank account: DKB-Cash is one of the best offers for banking at no costs in Germany

2 Ways to open a Bank Account online in Germany

Of course, you are able to open a bank account in every branch of Deutsche Bank, Commerzbank, Sparda Bank, Targobank, HypoVereinsbank or Sparkasse (savings bank) in person. Are you serious? Do you want to do this in 2018? No one needs the branches of banks, but modern online banking through your smartphone, tablet, laptop or pc. In addition, usually you will be charged for having a bank account at these banks, especially when you want to have a credit card (MasterCard or Visa) as well.

I suggest you to open a German bank account online either by PostIdent process or VideoIdent process:

VideoIdent process when opening a bank account

During the account opening online you will be asked to open the bank account either by VideoIdent or PostIdent. I suggest you to choose VideoIdent. Everything you need is your device (smartphone, pc, laptop, tablet), a webcam and your valid passport.

As soon as you have finished filling out all necessary personal information, you will be connected to an online assistant from the bank. He will ask you several questions an let show you your ID or passport in front of the camera.

The whole process of opening and Video-Chat will be done in less than 10 minutes.

PostIdent process when opening a bank account

After opening the bank account online and filling out the application form provided by the bank, it is necessary to print it out, attach a copy of a valid ID document and then go to the closest Post Office (Deutsche Post or Postbank) for an address and ID check. This process should not take longer than 5 minutes. After a couple of days your account will be ready for your day to day banking needs. When you are outside of Germany, the process will take a bit longer.

Please keep in mind that you should have a German citizenship or a permanent residence card in order to open a bank account in any of these tree banks. And the new comers should be registered at the Resident Registration Office (Einwohnermeldeamt) before opening an account!

This process is called Post-Ident process and it is free to anyone who applies for a bank account in Germany. The PostIdent process in detail:

  1. You should register at a German Einwohnemeldeamt
  2. Apply for a bank account of your choice and fill out all data online
  3. Print out all provided documents and sign them
  4. Go to the nearest Post Office with the documents and your ID / passport
  5. An employee of Deutsche Post or Postbank will verify your ID and address
  6. In a few days you will receive all bank documents such as cards, login-data and security information which will be sent separately by your new bank

The DKB offers a flexible service with DKB-Cash International especially for those who live abroad. This means that German expatriates and/or new comers are able to open a German bank account in case of moving or working in another country.

After finishing VideoIdent or PostIdent, you have to wait a couple of days. The bank will sends you all information, access data, credit card and debit card to your official address by mail.

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