Opening bank account without Anmeldung

13 posts in this topic

Posted

Hello all!

I am coming to Germany for a month to take a language course in January and am interested in opening a bank account to make my day to day easier. While I am not staying for an extended period this time, I will be back later in the fall to study for several months. As I am only going to be in Berlin for 4 weeks in January, I don't believe I need to register for an Anmeldung. However, from reading through the forums, I would need one to open a bank account.

Does anyone have any recommendations of banks where they do not require an Anmeldung to open an account? I am staying with a friend for the whole time, so I have an address to send stuff to. Also, how long does it normally take to get your EC card, etc.

Thanks for your help!

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Posted

Good luck with that one!

I opened a Deutsche Bank account in 2007 when I was in Germany for five weeks. I had to open the account in person as I (at the time) had a UK address and their online application only allowed the fields to include German postcodes etc.

They only ever gave me a card that works in an ATM to get out cash, no EC Card. I still have the account (and I still pay the quarterly charges) and occasionally transfer money in/spend it but no luck with the EC Card.

I'm going to be staying in Germany for a year in 2014 and will change banks (when I am there) to one that will give me a card, like ComDirect, but I think you have to wait several weeks for the card so that's unlikely to be of use to you.

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Posted

Great, thanks for the answer.

For my first few weeks then, would I be best just converting some CAD to EUR before I arrive, or are traveller's cheques easy to use as well? (or is there some other convenient/secure way to spend without an EC card?)

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Posted

I always use my atm card and withdraw euros as soon as I land. Never had a problem.

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Posted

Traveller's cheques are dead. If you stay for just a few weeks you're better off using your domestic debit/credit card.

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Posted

Agree with using ATM and Canadian debit card. Some CDN banks- offer free overseas withdrawals, for an annual fee ( ? is this really free??). I pay $3 per debit- so take larger sum out. I use Commerz bank.

Also, money transfers from outside EC- have to do by wire transfer and may need to call your bank.

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Posted

I agree with what everyone has said already. I would suggest you either make big withdrawals a few times while you're here in January, or get a credit card that has no foreign transaction fees. I use Citibank's Venture Card and Bank of America's credit card, both have no foreign transaction fees. When I got a Deutsche Bank account, I had to provide an address because that's how I received my ATM card and online codes. Even though I didn't have an official place to live yet, I gave them my friend's address and they sent the card there. It took maybe 4 business days for me to get my ATM card and then an additional 3-5 days to get all of my online codes, so seeing as you're only going to be in DE for a month or so, perhaps it's not worth all of the trouble. I'd wait until you're here longer and then set up an account then. Just my opinion. :)

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Posted

kmlcook Did you have an Anmeldung yet or did they just ask for an address to send stuff to? I am going to be staying with a friend the whole time, so I could definitely provide an address to send stuff. Otherwise, credit/debit card seem to be good options.

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Posted

Since I knew I would be staying past the amount of time given on a tourist visa (90 days), I went ahead and got an Anmeldung and put my friend's address. I don't remember the person helping me at the bank asking to see the Anmeldung or make a copy of it, but I think they asked to see my passport. Sorry, my memory has gone fuzzy, so I'm unsure about what they asked for exactly, but if I were you, I'd just use your friend's address, and if they want to see an Anmeldung, just go to the Ausländerbehörde and quickly register. It really shouldn't be a big deal. All you do is fill out a form, they look at your passport, enter in information, and then you get a copy of that form. Pretty easy really.

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Posted

...go to the Ausländerbehörde Bürgerbüro and quickly register.

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Posted

Thanks PandaMunich for the correction! :):D Mea culpa!

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Posted

With global clampdowns on banks regarding money laundering and tax evasion, it is becoming more difficult and cumbersome to open accounts in other countries. I am Anmeldung in Germany since June 2012 and last month decided it time to set up a local bank account. I was asked to show passport, valid residency/visa as well as Anmeldung. My visa is currently temporary to January 2013, where I am changing to (hopefully) a 3 year once married.

Nevertheless they rejected my application. :( I'll try again after January, was my residency is a little more permanent.

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Posted

FrecheKerl: they rejected your application? Hmm, at Deutsche Bank? If you didn't go there, I suggest checking there because I think they are "used to" foreigners opening up bank accounts, as I had no problem.

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