This page compares 7 accounts available in Germany, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 4 can be opened fully online, 0 explicitly accept non-residents, 7 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| N26 | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费（部分套餐按月收费） | Online | Conditional | ★ 4.2 |
| C24 Bank | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Not for non-residents | ★ 4.1 |
| Tomorrow | Germany | Digital Bank | 无最低存款要求 | 基础账户零月费 | Online | Conditional | ★ 4 |
| Vivid | Germany | Digital Bank | 无最低存款要求 | 基础零月费（Prime 订阅另计） | Online | Conditional | ★ 4 |
| ING Deutschland | Germany | Traditional Bank | 无首存要求 | 月入账达标免月费 | Remote or in person | Conditional | ★ 3.6 |
| Deutsche Bank | Germany | Traditional Bank | 无首存要求 | 约 0–6 欧/月 | Must visit | Conditional | ★ 3.5 |
| Commerzbank | Germany | Traditional Bank | 无首存要求 | 约 0–9.9 欧/月（可豁免） | Must visit | Conditional | ★ 3.3 |
None of the 7 accounts on this page is open to non-residents without conditions, but 6 accept foreigners who meet extra requirements (Deutsche Bank, Commerzbank, ING Deutschland) — typically a valid visa or residence permit, and usually an in-branch visit. See each account page for details.
Not necessarily. 4 of the 7 accounts can be opened fully online (N26, Tomorrow, Vivid), with no branch visit; the remaining 3 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 7 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.