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Banks that offer accounts despite negative Schufa

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Hi all,

 

I am trying to open a bank account here as I have moved back to Germany after a brief spell a while ago.

 

I do have some negative entries on my Schufa report but I need a bank account to put my salary in.

 

I am not interested in Credit cards, overdrafts etc.

 

I jsut want a basic bank account but am finding it difficult opening one even though I do NOT want any credit.

 

Can anyone advise me on where I could open a basic account with no worries about Schufa?

 

Feedback would be much appreciated(slightly stressed!)

 

Regards

 

Joel.

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Go to your Sparkasse, they have to take everybody, unlike the private banks who can pick and choose their customers.

 

In some Bundesländer this obligation is written into the respective Sparkassengesetz (= savings bank law, see here), Hessen is among them, so you will get that account today for sure there.

In other Bundesländer it's a voluntary commitment on their part (see here).

 

You should ask for a Jedermann-Konto, some Sparkassen also call it a Bürgerkonto.

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No, just the Sparkasse, a big hint is that your right to this account is laid down in the Sparkassengesetz = Sparkassen law.

The Sparkassen have a special statute, their primary goal is not to make profits, but to serve the financial needs of the population.

Think of them as state-owned banks and you won't be far off.

 

Volksbanken and Raiffeisenbanken are in a different category, they are Genossenschaftsbanken, i.e. mutual banks, which means that they are owned by the people who bank there.

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