German banks that offer free banking

161 posts in this topic

I don't know if this topic has been asked before, but do all the Banks charge a monthly fee?

We are currently with DB and we get charged 6 Euro a month.

I know some banks waive this charge if your wage is paid in, trouble is, we are leaving Germany but need to leave an account open.

Any suggestions?

0

Share this post


Link to post
Share on other sites

Mine at Sparkasse charges 3 a month.

 

Only savings accounts are free to my knowledge.

0

Share this post


Link to post
Share on other sites

Yeah, mine is free but only because I stick the wage in as you rightly said.

 

It's scandalous, actually.

0

Share this post


Link to post
Share on other sites

I have a direct deposit, but they still charge me at my bank. What is that for shit.

0

Share this post


Link to post
Share on other sites

I just changed from DB to Postbank - no monthly charges on the Girokonto. They don't let you pick your own pin number, though...

1

Share this post


Link to post
Share on other sites

Postbank Giro Plus, their standard current account:

 

 

* Kostenloses Girokonto für alle Privatkunden mit monatl. bargeldlosem Geldeingang ab 1.000 €, sonst 5,90 €/ Monat

 

So, €5.90 a month unless you have at least €1,000 per month paid in or go for the student account.

1

Share this post


Link to post
Share on other sites

Has been discussed extensively before. Free bank accounts are available for specific social groups e.g. students underage unemployed or people with a secure income. Charges are the norm. Reason for that is price transparency. Other charges are lower in exchange.

0

Share this post


Link to post
Share on other sites

Norisbank is the no frills subsidiary of DB and offers free online and self-service banking. However, I do not think that they can offer the full range of services that DB is capable of offering.

0

Share this post


Link to post
Share on other sites

DKB and Wuestenrot. I applied for DKB first, was refused and then went to Wuestenrot. Neither of them charge monthly fees and they even pay higher interest than the regular banks.

1

Share this post


Link to post
Share on other sites

I have just applied to open a joint account ING-DBA as I have noticed that there are no charges at all.

0

Share this post


Link to post
Share on other sites

I use ING-Diba too. They are totally free.

 

https://www.ing-diba.de/girokonto/

0

Share this post


Link to post
Share on other sites

 

I use ING-Diba too. They are totally free.

 

Sigh. The OP is looking for accounts that don't require a monthly minimum credit. Your account requires minimum €1,000 per month.

 

 

ING-Diba Girokonto

regelmäßige monatliche Zahlungseingänge ab 1.000 Euro

 

0

Share this post


Link to post
Share on other sites

... which is why I provided a link that shows all the known free accounts and highlights those that have a minimum income requirement...

 

Edit: the link didn't work in the earlier posting with some browsers. This one should. Account not requiring any specific or regular income are marked "kostenlose Kontoführung ohne Mindestgehaltseingang"

1

Share this post


Link to post
Share on other sites

 

Sigh. The OP is looking for accounts that don't require a monthly minimum credit. Your account requires minimum €1,000 per month.

 

Looking at the link, I don't see where they tell you that there is a monthly fee if you don't have an income of a minimum €1,000 per month. They do however have a 50€ change-from-another-bank bonus which you only get if you use this account as your main account and have an income of €1,000 or more per month.

0

Share this post


Link to post
Share on other sites

Hi,

 

I'm the owner of the page which YorkshireLad6 has linked here. That I have seen in my logfiles that you have linked to my page.

I'm proud that my page is so important that you link to it in this discussion board :rolleyes: . Thanks a lot!

 

Because of the questions about the bank accounts, I want o confirm:

-All accounts listed on the page never charge a monthly fee.

-For that you don't need any monthly income or monthly money transfer.

-One of these accounts (1822direkt Girokonto) needs to be free one usage/booking per month (one money transfer, one payment, one ATM usage or whatever). All other accounts are free even if you don't use them for 3 years B) .

 

I recommend the DKB account because of you get free cash at all VISA ATM's worldwide. Free VISA Card is included in the free account.

 

I also have placed at another page all free credit cards for German people: http://www.kostenlose-kreditkarte.de .

These credit cards never charge a monthly fee (but Neteller MasterCard charges something if you not use it for 14 months).

In Germany free credit cards are not a standard.

 

Best regards

 

Olaf

8

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now