Major bank accounts and bank cards in Germany
1. Deutsche Bank (Deutsche Bank)
The largest bank in Germany has branches all over the world, including Beijing, not just in Germany. Friends who need to open an account before coming to Germany may have to choose. Girokonto charges management fees, students under the age of 28 are free, ec cards are free to withdraw money from the same banking group, and other fees are charged. The interest rate of sparkonto is lower than that of other banks.
2. Savings Bank
The savings bank is actually a local bank. Savings banks in different places are independent, but there is no charge for withdrawing money from savings banks in other places. Girokonto charges management fees, and students have certain discounts, but it may vary from place to place. The obvious advantages of Sparkasse are more ATMs, more stores and good service.
3.comdirect
Direktbank, operated by commerzbank, is the second largest bank in Germany after Deutsche Bank. Girokonto is free, and new customers can enjoy 50/ 100 euros. Tagesgeldkonto's interest rate is also relatively high, but unfortunately it is often rejected. If you are interested, you can try to apply.
4. Postal Bank
German post office bank has a physical storefront, so it is very convenient to withdraw money. As long as there is a post office, you can withdraw money for free. Moreover, more than 9,000 ATMs in Germany can also withdraw money for free, as well as free online banking and telephone banking services. If the monthly income of Giro plus transfer account is 65,438+0,000 euros, the management fee is exempted, otherwise the monthly fee is 5,9 euros, and his interest on Tagesgeld Konto (Post Bank Sparcard 3000 Plus Direkt) is 65,438+0,7%. You don't need to inform the bank if you use 2000 euros every month, and you need to inform the bank three months in advance if you need to. Credit cards are free for the first year, and then 2000 euros a year.
5. Online banking
The bank has now launched a free Giro account Giroloyal, which can be opened regardless of identity, free of monthly management fees. If the interest of a salary account is 1.6% and the interest is paid quarterly, tagesgeldkonto will set the interest to 1.25% of the salary account. At the same time, you can apply for a free MasterCard in the first year, and there will be five free withdrawals worldwide every month. Credit cards are free in the first year. After one year, the management fee will be charged according to the credit card consumption of the previous year. Spending more than 4,000 euros is free, spending 2,000 to 4,000 euros is charged 10 euros, and spending less than 2,000 euros is charged 20 euros. Because cash is also taken by credit card, it is easy to reach the quota of free management fee. If the EC card is a salary account, it is free. If it is not a salary account, it will be charged from next year. If you apply now, you can still get 50 euros in cash.
6. Bank of Scotland
It is suggested to open a free current savings account with higher interest rate, namely Tagesgeldkonto. There is no minimum deposit requirement, and the current interest rate is as high as 2.3%. The bank participates in British deposit insurance to protect the interests of depositors under 50 thousand pounds.
7. Barclays Bank
The world's top banks have regular services, and send formal bills every month to recommend other credit cards, especially new Visa products. Its advantage is a two-month interest-free period, subject to the bookkeeping date. Withdrawals in the euro zone are free, and other countries charge a small remittance fee. You can apply for a free EC card at the same time and use it in places where credit cards are not accepted. European credit cards and Visa credit cards have the same credit limit. Send SMS account status information for free. The initial credit line was 1000 Euro, and the credit line grew rapidly. The annual fee for the first year of the credit card is free, and the annual fee for the second year is 19 Euro. However, as long as your average monthly consumption last year was 65,438+000 euros, the annual fee for next year can be waived. Because the consumption of EC cards is also included in the quota, the annual quota of 1200 euros is not difficult for many people.
If you are a student, you can apply for the Barclaycard für Student specially designed for students. Except for the annual fee exemption in the first year, the annual fee will be 12 Euro, and everything else will be similar to the new visa.
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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 all over the world, and there is no handling fee. Unfortunately, it is 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. When they use this card to buy electrical products in Amazon, their Garantie will be extended for one year, and their first consumption in Amazon will be reduced by 20 euros. And an integral system. But you have to pay the card fee, withdrawal, consumption and so on.
10. Targo Bank
That is, the original Citibank has now been acquired by a French bank. As long as you deposit 2500 euros in the bank, the management fee of the transfer account will be exempted, and you can also send Ostrog home for free every month.
There are also 1822direkt, Volkswagen Bank, Cortal Consors S.A, Credit Europe Bank, Norisbank, Sparda-Bank, etc. Every bank has different rules. If you want to apply, please read it yourself.
German bank card account
No matter what kind of bank, there are different accounts.
The first is Sparkonto, the so-called savings account, which 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, but generally you can't transfer money, which is not flexible enough. Especially on a regular basis, you must root 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 revolving account, generally with no interest or low interest, and is mainly used for working capital (such as paying shopping rent, etc.). ). Girokonto has a complete transfer function, and you can set the function of automatic payment on a regular or irregular basis. Inter-bank transfer in Germany is basically completely free, and it usually takes 1-3 working days to arrive. Some banks charge a certain management fee for such accounts. 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. Deposits will bear interest on a daily basis, and the dividend period varies from bank to bank. Generally, quarterly and annual dividends are the mainstay, and a small number of banks pay dividends on a monthly basis. Tagesgeldkonto generally does not refuse people, but only has a limited transfer function. It can only transfer money to the user's preset Girokonto in the same bank, and automatic payment cannot be set. This account is mainly maintained through online banking, which is generally free.
There is also Depot, which buys and sells stocks, funds and securities. 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 of all, we need to download relevant forms from Deutsche Bank official website and send them to the portal →. As shown in the figure below, there is an item "Information about the deposit account of studying in Germany" in "Other information and materials". The account opening process is detailed, please read it carefully.
Then, download the relevant forms to fill in according to your personal situation. Be sure to fill it out with a computer and print it out on one side. Can't write by hand (in fact, there is no need to print in color)! There are examples at the back of each form. Be sure to hand-write your signature where you fill in and cross carefully, and fill in your domestic home address carefully. Don't sketch just because you can'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, you should be careful not to leave them out. After filling out the form, bring the corresponding certificates 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. Suggestions on processing time.
If you are an exchange student in Germany, the processing time is abundant, which is staggered from the peak enrollment period (July and August), and it is still very fast.
If you are an official international student, blood and tears suggest that you must start early! Deal with it early In July and August, Deutsche Bank opened its doors at 9 o'clock and began to queue at 7 o'clock. If you don't get the number that day, it's a waste of time.
3. Matters needing attention in remittance after opening an account
After opening an account, you can remit money. Note here that you don't deposit cash directly in Deutsche Bank, but remit money through other banks. I suggest that students in Beijing send money to China Bank downstairs of Deutsche Bank on the day of opening an account, where the tellers are very skilled in this business (this is true, because compared with other banks, if you want to save trouble, you can handle it at China Bank on the first floor of the International Trade Center).
Be sure to remit more when you remit money. If you transfer money internationally, you will be charged a handling fee. After the remittance has passed, Deutsche Bank will inform you to get the deposit certificate. It will take at least one week. You must plan your time in advance and don't miss your visa.
4. After arriving in Germany ....
When you arrive in Germany, just go to the bank with those forms and supporting documents from Deutsche Bank. This will be done soon. Because the bank card and password will be mailed to your home or German address, and they will be sent in several letters: one for the bank card, one for the password, one for the password of online banking, 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 be sure to do a good job of material inventory. Generally, it will arrive in about two weeks, so German children have to have a fixed address before they can apply.
The mailing method is time-consuming and has a certain chance of being lost. If you haven't received it after 15 days, you must go to the bank and ask for a new one. When everything is ready, download the app of Deutsche Bank ~