Most of us pay monthly, quarterly, half-yearly or yearly charge for maintaining a bank account. There are also few banks which offer very good service without any charge, especially for the salary account.

Accounts

Most of the bank offers free credit card too. That means while opening an account, you can get debit and credit cards. It is also possible to open free partner accounts.

DKB (Deutsche Kreditbank)

DKB is one of the famous banks in Germany which offer free account. The requirements are high and sometimes it is very difficult to get acceptance.

Link: https://www.dkb.de/

Important details

  • Account maintenance charge – 0€
  • ATMs in Germany – 57763
  • Free cash withdrawal from minimum 50€ (with debit and credit cards)
  • Foreign currencies – Charges may apply
  • Language – German

ING

ING (or ING DiBa) is one of the fast-growing online banks in Germany. It also provides free accounts and it is also one of the reliable banks in my opinion. The process is also quite simple to open an account with ING DiBa.

Link: https://www.ing.de/

Important details

  • Account maintenance charge – 0€
  • ATMs in Germany – 57763
  • Free cash withdrawal from minimum 50€ (with debit and credit cards)
  • Foreign currencies – Charges may apply
  • Language – German

Comdirect

Comdirect also provides a free account. It does not provide many facilities like ING or DKB.

Link: https://www.comdirect.de/konto/girokonto.html

Important details

  • Account maintenance charge – 0€
  • Free cash withdrawal – In partner bank ATMs
  • Foreign currencies – Charges may apply
  • Language – German

N26

N26 also provides free accounts. One of the advantages is that it provides in the English language. There is also a disadvantage with this account. It provides only 3 times free cash withdrawal per month.

Link: https://n26.com/en-de

Important details

  • Account maintenance charge – 0€
  • Free cash withdrawal – only 3 times per month
  • Foreign currencies – Charges may apply
  • Language – English

Other options

If you would like to open an account directly in a bank which is near to your place, it is also sometimes possible. Some banks offer free salary account for the employees from some particular companies. You can get the information from your HR or workers union.

Cash deposits

Although cash withdrawals are mostly free, there is a limitation in the cash deposits. So if you do not use your account as a salary account, kindly check it with your requirements.

How can you open an account?

I would suggest you to use check24 to compare and proceed from there. You will get some points which you can use for other purposes. You can also use other portals with which you can get some benefits. Alternatively, you can also get a reference from your friends (Kunden werben Kunden) who has an account.

Verification

Postident for Ing DiBa and Comdirect was quite simple. There were no issues.

ATMs

Most of the banks provide the list of ATMs where you can withdrawal for free. Some banks also provide it in-app. This will helps you to know the free ATMs near your location. Money withdrawal in other ATMs may result in a high charge.

Note

It is really very important to check the rules and regulations of the bank before opening an account. Kindly take this post as a guide and check the individual bank website for the exact details.