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MY GERMAN FINANCES

 * German Bank Accounts
 * German Savings Accounts
 * German Credit Cards
 * German Insurances
 * German Business Bank Accounts
 * German Tax Report
 * German Broker Accounts
 * Promotions and Cashback



 

 * Banking
    * Bank Accounts
    * Savings Accounts
    * Credit Cards
    * Loans & Credits
    * Business Accounts
    * Investment & Trading

 * Insurances
    * Overview
    * Private Liability
    * Home Contents
    * Health Care
    * Dental Insurance
    * Pets & Animals
    * Car
    * Electronics

 * Energy
    * Electricity
    * Gas

 * Tax
 * 
 * Phone
    * Prepaid
    * Postpaid

 * Promotions


 * BANKING
   
   * Bank Accounts
   * Savings Accounts
   * Credit Cards
   * Loans & Credits
   * Business Accounts
   * Investment & Trading


 * INSURANCES
   
   * Overview
   * Private Liability
   * Home Contents
   * Health Care
   * Dental Insurance
   * Pets & Animals
   * Car
   * Electronics
 * Energy
   * Electricity
   * Gas
 * Tax
 * 
 * Phone
   * Prepaid
   * Postpaid
 * Promotions

LEARN MORE

WHICH GERMAN INSURANCE IS THE BEST?



LEARN MORE

HOW DO YOU OPEN A GERMAN BANK ACCOUNT?





My German Finances Information Pages

CREDIT CARDS

Get a free German credit card

BANK ACCOUNTS

Get a free German bank account

SAVINGS ACCOUNTS

Get an interest-paying savings account

BUSINESS BANK ACCOUNTS

Get a free German business bank accounts

LOANS & CREDITS

How to get a loan in Germany

BROKER ACCOUNTS

Overview of German broker account

PRIVATE LIABILITY INSURANCE

Overview of German private liability insurances

PET INSURANCES

Overview of German pet insurances

HOME CONTENTS INSURANCE

Overview of German home contents insurances

SMARTPHONE INSURANCE

Click to see German smartphone insurances

HEALTH INSURANCE

German health insurance information

DENTAL INSURANCE

German dental insurance information

CAR INSURANCE

Find your German car insurance

GERMAN TAXES

Get your German tax refund

PHONE PLANS

Find the best German phone plan

ELECTRICITY & GAS

Overview of German energy suppliers

SPECIAL DEALS

Overview of current promotions

BANKING



It is often necessary to open up a German bank account, even if you already have
a European one. And it is not even difficult: Many banks offer convenient online
banking and banking apps for your smartphone, making your personal banking
completely paperless. In case you are having trouble understanding the German
technical terms, just read our explanations about German banking. Some banks
even offer an English user interface, find out which ones!



INSURANCES



Many people need to buy a new insurance policy when they come to Germany. Apart
from the standard policies, such as health insurance or car insurance, there are
many other German insurance policies that do not even exist in other countries.
Some of these products can be very useful: Have you heard of
Haftpflichtversicherung, Hausratversicherung and Berufsunfähigkeitsversicherung?
If not, just read our English explanation of the terms and why they could be
useful for you.



TAXES



Anyone who has to file a German tax report is complaining about the highly
complicated process of the Steuererklärung. If you are working in Germany and
are not speaking German, it is quite a problem, because all forms are in German
only. However, together with our partner Germantaxes.de we can offer you a tax
service in English, which handles your German tax report and even submits it
directly to the Finanzamt (local tax office). Try it for free!



CREDIT CARDS



It is always convenient to pay with a credit card and there are several banks in
Germany that offer free mastercards, VISA cards, or even American Express. Some
banks also offer Google Pay and Apple Pay, making it possible to pay with your
phone. In our overview, you will find out about possible fees and what to look
out for when choosing your credit card.



PRODUCTS


 * Go to Offer
   
   MASTERCARD GOLD – ADVANZIA BANK
   
   €0,00 Quick View
 * Go to Offer
   
   AMERICAN EXPRESS – PLATINUM CARD
   
   €720,00 Quick View
 * Back to Overview
   
   BROKER ACCOUNT – ETORO
   
   €0,00 Quick View
 * Back to Overview
   
   BUSINESS BANK ACCOUNT – QONTO (FORMERLY PENTA)
   
   €9,00 Quick View
 * Go to Offer
   
   HOME CONTENTS INSURANCE – LUKO
   
   €21,48 Quick View
 * Back to Overview
   
   PERSONAL LOAN – BROKERED BY SMAVA
   
   €0,00 Quick View
 * Go to Offer
   
   CHECKING ACCOUNT – COMMERZBANK
   
   €0,00 Quick View
 * Go to Offer
   
   MASTERCARD GOLD – TF BANK
   
   €0,00 Quick View



WORDS FROM OUR VISITORS



 * I like My German Finances, because it is very informative. It helped me a lot
   when I had to buy new insurance policies when moving to Germany.
   
   HERBERT SIMON

 * I recently moved to Germany for work, and this year I had to file my German
   tax report for the first time. The vast amount of bureaucracy was
   intimidating, but with the offer on My German Finances I was able to fill out
   the report in English.
   
   JIM ROHN

 * I had to open a German bank account for my salary, but I had no idea which
   bank had the lowest fees. I ended up choosing an online bank, which offered a
   free Girokonto with a free credit card.
   
   ALBERTO VALENZANO, ITALY

 * I like My German Finances, because it is very informative. It helped me a lot
   when I had to buy new insurance policies when moving to Germany.
   
   HERBERT SIMON

 * I recently moved to Germany for work, and this year I had to file my German
   tax report for the first time. The vast amount of bureaucracy was
   intimidating, but with the offer on My German Finances I was able to fill out
   the report in English.
   
   JIM ROHN



CREDIT CARDS



You may still have your foreign credit card, which you can use in Germany, but
ordering a German credit card can save you exchange fees and many banks offer
free VISA or Mastercard credit card accounts.



CHECKING ACCOUNT



The Girokonto (Checking Account) is the most common account in Germany and most
needed in everyday life. Many stores do not accept credit cards, only debit
cards, which are connected to a Girokonto. Many banks offer free checking
accounts, but choose wisely, because there could be fees for cash withdrawals at
third party ATMs.



LIABILITY INSURANCES



Liability insurances are popular and important in Germany, some are also legally
required. Others are not obligatory, but very useful in a case of damage. If you
want to know what Privathaftpflichtversicherung, Vollkaskoversicherung or
Tierhalterhaftpflichtversicherung is about, then read more in our insurance
section.



HEALTH & ACCIDENT INSURANCES



Health insurance is legally required in Germany, but apart from the legal
minimum coverage there are a couple of optional supplement insurances. Some of
these are always recommended, others can be useful in certain personal
situations.



Especially German banking offers many different products with different fees and
perks. Our overview provides detailed information about some attractive
products.
SEE MORE
 * Go To Provider
   
   CAT HEALTH INSURANCE – PETPROTECT
   
   €20,06 Quick View
 * Go To Provider
   
   DOG HEALTH INSURANCE – PETPROTECT
   
   €35,83 Quick View
 * Go To Provider
   
   DOG LIABILITY INSURANCE – PETPROTECT
   
   €4,71 Quick View
 * Back to Overview
   
   SCALABLE CAPITAL – SAVINGS ACCOUNT
   
   €4,99 Quick View



 

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