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How to open a bank account in Munich (2026)

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Cost

Free

N26, DKB, ING, and Vivid offer free accounts. Traditional banks: 3-10€/month.

Time at office

No office visit required for digital banks

Estimated time

Digital banks (N26): active in 30 minutes. Card in 5-7 days. Traditional banks: 1-2 weeks.

Quick summary

English guide to opening a bank account in Munich. Which banks accept foreigners, which ones are free, and how to open an account online without speaking German.

Required documents

  • Anmeldebestätigung

    Most banks require proof of registration.

  • Valid passport or ID

    For identity verification.

  • Phone number

    For SMS verification.

0 €
N26, DKB, ING, and Vivid offer free accounts. Traditional banks: 3-10€/month. €0.00
€0.00
€0.00

: 2026

Step by step

  • 1

    Choose a bank according to your needs

    For newcomers, digital banks are more accessible. N26 and Vivid do not require German. DKB and ING are free and widely used.

    !

    Expert tip

    "N26 has a Spanish app and is the preferred bank of many Spanish speakers in Germany."

  • 2

    Open the account online

    Go to official site

    For N26, download the app and follow the process. You will need a video call for identification with your passport.

    !

    Expert tip

    "Have your passport ready for the video call verification. The process takes 5-10 minutes."

  • 3

    Receive the card and activate the account

    You will receive the card at your address in 5-7 days. Activate it from the app.

    !

    Expert tip

    "Once you have the German IBAN, give it to your employer for payroll and use it to set up health insurance."

Offices and service points - Munich

Frequently asked questions

Can I open a bank account in Germany without speaking German?
Yes. N26 has its entire interface in Spanish, and the process is in English or Spanish. For traditional banks, you need basic German or an accompanying person.
Do I need Anmeldung to open a bank account?
Almost always yes. Without Anmeldung, most German banks will not open an account. It is the first procedure to do when you arrive.

Trámites relacionados

This procedure in other cities

Official sources and useful links

This guide is for informational purposes only. Always check the official source for current information.