How to Open a Bank Account in Germany — Step-by-Step Guide 2026

Opening a Bank Account in Germany — Step by Step

Opening a bank account in Germany is easier than many think. With the right documents, it's done within days.

Documents You Need

• Passport or national ID card
• Registration certificate (Meldebescheinigung)
• Tax identification number (Steuer-ID)
• Sometimes: payslip or employment contract

Online or In-Branch?

Direct banks like N26 or DKB allow complete account opening via Video-Ident — about 10–20 minutes, no branch visit needed.

Step by Step

1. Choose a bank — compare on BankSorter.com
2. Fill in the application online or in branch
3. Complete identity verification
4. Receive and activate your card — 3–7 business days by post

Summary

With the right documents, account opening in Germany is quick. Compare for free on BankSorter.com.