The Best German Banks for Expats & English Speakers in 2025
Navigating the German banking system can be a daunting task for newcomers, especially for those who are not yet fluent in German. Fortunately, a growing number of banks in Germany now cater specifically to the needs of expatriates and English speakers, offering streamlined online services, English-language support, and competitive fees. This guide will walk you through the top banking options for expats in Germany in 2025, from digital-only banks to traditional branch networks.
Top Choices for Digital Banking
For expats who value convenience, low fees, and a fully English-language experience, online banks are the clear winners. These “neobanks” have revolutionized the German banking scene, making it easier than ever to open and manage an account from your smartphone.
N26: Often hailed as the most popular choice for expats, N26 offers a seamless, entirely English mobile banking experience. With a free standard account, a virtual debit card, and a user-friendly app, N26 makes everyday banking simple. Opening an account is straightforward and can be done entirely online. While the free account has limits on free ATM withdrawals, their premium accounts offer additional perks like travel insurance and more free withdrawals.
Tomorrow: For the environmentally conscious expat, Tomorrow is an excellent ethical banking choice. This digital bank invests exclusively in sustainable projects and offers a fully English app. Their standard account comes with a Visa debit card and provides all the essential banking features you’d expect.
Bunq: This Dutch online bank has made significant inroads in Germany, particularly among the international community. Bunq stands out for its innovative features, such as the ability to hold multiple currency accounts and easily split bills with friends. Their entire interface and customer support are in English.
Traditional Banks with Expat-Friendly Services
While online banks offer unparalleled convenience, some expats may prefer the security and in-person service of a traditional bank with physical branches.
Commerzbank: As one of Germany’s largest traditional banks, Commerzbank has a significant network of branches and ATMs. They offer a “Girokonto” (current account) that can be free of charge if you have a minimum monthly deposit. While not all services are in English, they do provide an English-language online banking portal and some English-speaking staff in their branches, making it a solid choice for those who want a mix of digital and in-person banking.
Deutsche Bank: Germany’s largest bank, Deutsche Bank, also offers services for expatriates. They provide an online banking platform with an English option and have English-speaking customer service representatives. While their fees may be higher than online competitors, the extensive network of branches and the global reputation can be appealing.
Other Strong Contenders
DKB (Deutsche Kreditbank): DKB is a popular online bank that offers a free “Girokonto” with a free Visa debit card, which allows for free cash withdrawals worldwide. While their website and customer service are primarily in German, their banking app is available in English. This can be a good option for expats who are comfortable with some German or are willing to use translation tools for more complex issues.
Comdirect: A subsidiary of Commerzbank, Comdirect is another leading online bank in Germany. They offer a free current account and a wide range of investment services. Similar to DKB, their primary language of operation is German, which might be a barrier for some expats.
Key Considerations for Expats
When choosing a bank in Germany, consider the following factors:
- English Language Support: Ensure the bank offers an app, online banking, and customer service in English if you are not yet proficient in German.
- Fees: Look for accounts with no or low monthly maintenance fees and be aware of charges for ATM withdrawals, foreign transactions, and card issuance.
- Ease of Opening an Account: Online banks generally have a much simpler and faster account opening process that can often be completed before you even arrive in Germany.
- Services Offered: Consider your banking needs. Do you need a simple current account, or are you also interested in savings accounts, credit cards, or investment products?
- ATM Access: Check the bank’s ATM network or their policy on fees for using other banks’ ATMs.
Ultimately, the best bank for you will depend on your individual needs and preferences. For a hassle-free, English-first experience, online banks like N26, Tomorrow, and Bunq are hard to beat. However, if you prefer the reassurance of a physical branch, Commerzbank and Deutsche Bank offer reliable services for the expat community.
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