Best Bank Accounts in Germany 2025
Bank accounts comparison
We analyzed several bank accounts in Germany based on the parameters vital for expats in Germany. The table below compares different banks. You can easily check the vital parameters to find the bank account that fits your needs.
In our in-depth review, we found C24 bank’s* free checking account to be the best bank account in Germany for everyone who is fine without English support. It’s the only bank in Germany that offers tons of features and a great mobile app for free.
| Parameters | C24 | Revolut | N26 | Commerzbank | Deutsche Bank |
|---|---|---|---|---|---|
 |  |  |  |  |
|
| Account | C24 Smart Account | Revolut Standard Account | N26 Standard Account | Commerzbank Basic Account | AktivKonto |
| Overall rating Out of 10 | 7.3 | 7.2 | 6.1 | 4.3 | 3.5 |
| To the provider | Go to provider* | Go to provider | Go to provider* | Go to provider* | Go to provider* |
| New customer bonus | 75€ | 10€ | – | 50€ Actively use the account for 3 months. Additionally, agree to receive promotional emails and calls and do not revoke your consent for at least 3 months. | – |
| BANKING | |||||
| Customer support | 📞 ✉️ 💬 | 💬 | 💬 | 📞 💬 | 📞 💬 |
| Banking language | 🇩🇪 | 🇩🇪 🇺🇸 | 🇩🇪 🇺🇸 | 🇩🇪 🇺🇸 Commerzbank offers some parts of its online and mobile banking in English; the rest is in German. Not all Commerzbank branches offer English customer service. | 🇩🇪 🇺🇸 Deutsche Bank offers some parts of its online and mobile banking in English; the rest is in German. Not all Commerzbank branches offer English customer service. |
| Online banking | iOS, Android, Desktop | iOS, Android, Desktop | iOS, Android, Desktop | iOS, Android, Desktop | iOS, Android, Desktop |
| Physical branches | ❌ | ❌ | ❌ | ✅ | ✅ |
| Account switching service | ✅ | ✅ | ✅ | ✅ | ✅ |
| Overdraft facility | ✅ | ❌ | ✅ | ✅ | ✅ |
| FEES | |||||
| Account management fees | 0€ | 0€ | 0€ | 0€ Free if you deposit 700€ per month, else 9.90 € per month | 6.90€ |
| Min. monthly deposit | 0€ | 0€ | 0€ | 700€ | 0€ |
| No. of free ATM withdrawals per month (in Germany) | 4 Afterwards 2€ per withdrawal | up to 200€ or 5 withdrawals Afterwards, 1€ or 2% of the withdrawal amount (whichever is higher) | 2 Afterwards 2€ per withdrawal | Unlimited free withdrawals (for cash group ATMs) 3€ to 6€ per withdrawal (from other ATMs) | Unlimited free withdrawals (for cash group ATMs) 3€ to 6€ per withdrawal (from other ATMs) |
| Fee for ATM withdrawals outside Germany (in Euro countries) | 0€ | up to 200€ or 5 withdrawals Afterwards, 1€ or 2% of the withdrawal amount (whichever is higher) | 0€ | 1% fee (min. 5.98 €) | 1% (min. €5.99) Free withdrawals from the ATMs of partner banks BNP Paribas and BGL |
| Fee for ATM withdrawals (in non-euro countries) | 0€ | up to 200€ or 5 withdrawals Afterwards, 1€ or 2% of the withdrawal amount (whichever is higher) | 1.7% exchange rate fee | 1% fee (min. 5.98 €) | 1% (min. €5.99) + 0.5% currecy conversion fee |
| Fee for payment (in euro countries) | 0€ | 0€ | 0€ | 0€ | 0€ |
| Fee for payment (in non-euro countries) | 0€ | The currency fees and the amount of the fees can be seen in the app before the transaction | 0€ | 1% (min 1.5€) | 1% (min. €1.50) + 0.5% currency conversion fee |
| PAYMENTS | |||||
| Free SEPA transfer | ✅ | ✅ | ✅ | ✅ | ✅ |
| Free real time transfer | ✅ | ✅ | ✅ | ✅ | ✅ |
| Fee to deposit cash in your bank account | 1.75% of the deposit amount | ❌ | 1.5% of the deposit amount | Free at Commerzbank | Free at Deutsche Bank |
| CARDS | |||||
| Girocard | 0€ | ❌ | ❌ | 0€ | 0€ |
| Debit card | 0€ | ✅ 7.99€ delivery cost | ✅ 10€ (one-time delivery fee) Free (virtual) | ✅ 3.5 € per month (physical) Free (virtual) | 1.50€ per month |
| Credit card | ❌ | ❌ | ❌ | 3.33€ per month | 3.25€ per month |
| Google Pay | ✅ | ✅ | ✅ | ✅ | In-app payment |
| Apple Pay | ✅ | ✅ | ✅ | ✅ | ✅ |
| INTEREST | |||||
| Interest in checking account | 1.25% | ❌ | ❌ | ❌ | ❌ |
| Interest in fixed deposit (Festgeldkonto) Depends on the duration | 2% | – | – | 2% | 2.25% |
| Interest in daily account (Tagesgeldkonto) It’s a variable interest rate | 1.50% | 2.50% | 0.5 % | 2.75% | 0.75% |
| Overdraft interest | 7.49% to 11.49% interest. Up to €10,000 overdraft, depending on creditworthiness | ❌ | 13.40% | 12.45% | 12.10% |
| CASHBACK | |||||
| Cashback on transactions via card | 0.05 % | ❌ | ❌ | ❌ | ❌ |
| Promotional cashbacks | ✅ Up to 2.5% with other promotional partners 2% for purchases through CHECK24 Shopping | ✅ 3% to 10% cashback on hotel bookings | ❌ | ❌ | ✅ Travel booking service with 6% cashback |
| ADDITIONAL FEATURES | |||||
| Pockets (Sub-accounts) | 4 | Unlimited | ❌ | ❌ | ❌ |
| Free trading account | ❌ | ✅ | ✅ | ✅ | ✅ |
| Spending analysis | ✅ | ✅ | ✅ | ❌ | ✅ |
| Joint account | ✅ | ✅ | ✅ | ✅ | ✅ |
| Automatic savings | ✅ | ✅ | ✅ | ❌ | ❌ |
| Insurance | ❌ | ❌ | ❌ | ❌ | ❌ |
| SECURITY | |||||
| Banking license in Germany | ✅ | ✅ | ✅ | ✅ | ✅ |
| Statutory deposit protection insurance Up to €100,000 | ✅ | ✅ | ✅ | ✅ | ✅ |
| Registered with BaFin | ✅ | ✅ | ✅ | ✅ | ✅ |
| IBAN | ✅ | ✅ | ✅ | ✅ | ✅ |