For students studying in Germany, it has become a common practice to deposit the expenses during their study in bank cards. Then, let's explain the handling of German bank cards for students who are going to study in Germany.

major bank accounts and bank cards in Germany

1.Deutsche Bank

The largest bank in Germany has branches all over the world, including Beijing. Friends who need to open an account before coming to Germany may have to choose it. Girokonto charges management fees, students under the age of 28 are free, ec cards are free to withdraw money from the same bank group, and others are charged. sparkonto's interest is lower than other banks.

2.Sparkasse

Sparkasse is actually a local bank, and Sparkasse in different places are independent, but there is no charge for withdrawing money from sparkasse in other places. Girokonto charges management fees, and students have certain discounts, but it may vary from place to place. The remarkable advantage of Sparkasse is that there are many ATMs and storefronts, and the service is good.

3.comdirect

Direktbank run by commerzbank, the second largest bank in Germany next to Deutsche Bank, Girokonto is free, and you can enjoy 5/1 Euro activity reward for opening a new account. Tagesgeldkonto's interest rate is also relatively high, but unfortunately people are often rejected. If you are interested, you can try to apply.

4.Postbank

German post office banks have physical storefronts, so it is convenient to withdraw money. As long as there is a post office, you can withdraw money for free, and more than 9, cash machines in Germany can also withdraw money for free, with free online banking and telephone banking services. Giro plus transfer account is exempt from management fee if the monthly income is 1, Euros, otherwise the monthly fee is 5,9 Euros, and the interest of his family Tagesgeldkonto (trade name Postbank SparCard 3 plus direkt) is 1,7%. You don't need to notify the bank if you use 2, Euros every month, and you need to notify the bank three months in advance if you exceed it. The credit card is free in the first year and 22 Euros every year thereafter.

5.Netbank

The bank now offers Giroloyal, a free giro account. No matter what identity, you can open an account, free of monthly management fees. If the interest of a salary account is 1,6%, and the interest is paid quarterly, tagesgeldkonto will set it as a salary account at 1.25%. At the same time, you can apply for a free MasterCard for the first year, and there are five free withdrawals worldwide every month. Credit cards are free in the first year. After one year, management fees will be charged according to the consumption of credit cards in the previous year. Those with a consumption of more than 4, euros will be charged 1 euros, and those with a consumption of 2, to 4, euros will be charged 2 euros. Because cash is also taken by credit cards, it is easy to reach the quota of free management fees. If the EC card is a salary account, it will be free. If it is not a salary account, the EC card will be charged 5 euros every year from the second year. If you apply now, you can still get 5 euros in cash.

6.Bank of Scotland

It is recommended to open a free current savings account with high interest rate, namely Tagesgeldkonto. There is no minimum deposit requirement, and the current current interest rate is as high as 2,3%. The bank participates in British deposit insurance to protect the interests of depositors under 5, pounds.

7. Barclays Bank

The top bank in the world, with regular service, sends a formal bill every month, and recommends other credit cards, especially New Visa products. Its advantage is a two-month interest-free period, subject to the bill settlement date. Free withdrawals are made in the euro zone, and other countries charge a small amount of remittance fees. You can apply for a free EC card at the same time and use it in places that don't accept credit cards. EC cards and Visa have the same credit limit. Free SMS account status information sending. The initial credit line is 1 euros, and the credit line is growing rapidly. The credit card is free of annual fee in the first year, and the annual fee is 19 euros in the second year. However, as long as your average monthly consumption in the previous year is over 1 euros, you can avoid the annual fee in the next year. Because the consumption of EC cards is also included in the quota, all the annual quota of 12 euros is not very difficult for many people.

if you are a student, you can apply for the Barclaycard für Student specially designed for students, except that the annual fee is free in the first year and 12 euros per year thereafter, which is similar to New Visa.

8.DKB

Girokonto and credit cards are free, and there is no minimum deposit requirement; Credit cards can be withdrawn free of charge from ATMs with Visa logo around the world, and no handling fee is charged. Unfortunately, people are often rejected, and those who are interested can try to apply.

9.Amazon

Friends who often shop in Amazon can get an Amazon Visa card, which will extend the Garantie for one year and reduce the consumption by 2 euros for the first time in Amazon. And the points system. But you have to pay for card fees, withdrawals, consumption, etc.

1.Targo Bank

, the original Citibank, has now been acquired by a French bank. As long as you deposit 2,5 euros in the bank, you are exempt from the management fee of the transfer account, and Auszug can be sent home free of charge every month.

in addition, there are 1822direkt, Volkswagen Bank, Cortal Consors S.A, Credit Europe Bank, Norisbank, Sparda-Bank, etc. Each bank has different regulations. If you want to apply, please read it carefully.

German bank card account

No matter what kind of bank, there are different accounts.

first of all, Sparkonto, the so-called savings account, is divided into current account and fixed account, and the general interest rate will be higher. The disadvantage is that you can only withdraw money, generally you can't transfer money, which is not flexible enough. Especially on a regular basis, you must kundigen in advance, otherwise you may not get the money when it expires. Such accounts are generally free.

then there is Girokonto, a transfer account, which is generally needed for living in Germany. This account is a circulating account, which is generally free of interest or has a low interest rate, and is mainly used for working capital (such as paying rent and shopping). Girokonto has a complete transfer function, and can set up the function of automatic payment on a regular or irregular basis. Inter-bank transfers between banks in Germany are basically completely free, and generally arrive in 1-3 working days. Some banks in such accounts charge a certain management fee. Different banks have different preferential policies for management fees, such as submitting student identity certificates to banks or transferring more than a certain amount of deposits to accounts every month.

There is Tagesgeldkonto, which is a kind of current deposit account. The deposit will bear interest on a daily basis, and the dividend payment period varies from bank to bank. Generally, it is mainly quarterly and yearly, and a few banks pay dividends on a monthly basis. Tagesgeldkonto generally does not refuse people, but it only has a limited transfer function, and can only transfer money to a preset Girokonto in the same bank as Referenzkonto and users, and cannot set up automatic payment. This account is mainly maintained through online banking, which is generally free.

There is also Depot for buying and selling stocks, funds and securities, and the fees charged by each bank are different.

Deutsche Bank opens a new account

1. Download the relevant forms and fill in the information before printing

First, we need to download the relevant forms from official website of Deutsche Bank, and send them to the portal →, as shown in the following figure, there is an item "Information about the deposit account for studying in Germany" in "Other information and materials". There is a detailed explanation of the account opening process, so please read it carefully.

Then, download the relevant forms according to your personal situation and fill them out. Be sure to use a computer to fill them out and print them out on one side. You can't write them by hand (in fact, there is no need to print them in color)! There are examples at the back of each form, so be sure to hand-write your signature against the places that are carefully filled in and crossed, and fill in the domestic home address carefully. Don't just sketch it because you won't send anything. But don't be too nervous. If there is a small mistake, you can modify it manually at the bank.

Because there are many pages in the form, please be careful not to leave them out. Fill in the form and bring the corresponding documents and copies (if the original zu doesn't arrive, you can print it out in color instead) and go to Deutsche Bank to find a teller to handle it.

2. Some suggestions on the processing time

If you are an exchange student in Germany, the processing time is relatively abundant, which is staggered from the peak enrollment period (July and August), and it is still very fast.

If you are a formal student studying abroad, blood and tears suggest that you must start early! Handle it early! In July and August, Deutsche Bank opened at 9 o'clock, and the queue started at 7 o'clock. If you don't get the number on the same day, it will be a waste of time.

3. Precautions for remittance after opening an account

After opening an account, you can remit money. Note here that you should not deposit cash directly in Deutsche Bank, but remit money through other banks. I suggest that my classmates in Beijing make remittance at China Bank downstairs of Deutsche Bank on the day they open an account, and the teller there is very skilled in this business (this is true, because compared with other banks, if you want to save trouble, you should handle it at the China Bank on the first floor of China Trade Center).

when you remit money, you must remit more money. If you transfer money internationally, you will be charged a handling fee. Just wait for Deutsche Bank to inform you to get the deposit certificate after the remittance has passed. It will take at least one week, so everyone must plan the time in advance and don't miss the visa.

4. After you arrive in Germany ...

After you arrive in Germany, you can just go to the bank with those forms and supporting documents from Deutsche Bank. This will be done quickly. Because the bank card and password will be sent to your home or German address by mail, and they will be sent in several letters: one for the bank card, one for the password, one for the online banking password, etc ... So be sure to find out what will be sent.

Maybe some students don't know that there is an online banking password, and they don't know if they have lost it = = So we must make a good inventory of materials. Generally, it will arrive in about two weeks, so children in Germany can only handle it after they have a fixed address.

mailing is time-consuming and there is a certain chance of losing it. If you haven't received it after 15 days, you must go to the bank and ask for a new one. After everything is done, download Deutsche Bank's App ~