My First Bank Account in Germany

As soon as I arrived in Regensburg, I started the hunt for banks, in order to open an salary account. I visited four bank branches in the nearby:

  • Commerzbank
  • Sparkasse
  • Targo Bank
  • Sparda Bank

In Commerzbank I was told that the network system was “down” and that I should come back in the afternoon! In Sparkasse, Targo Bank und Sparda Bank, I was told that I needed to provide 3 payslips. How am I supposed to show the payslips if I still did not receive my ever first paycheck?!

I concluded that the account opening procedure for new settlers in Germany is not that easy. And maybe the banks have their reasons. But I find it stupid not to study every case in its particularity one by one.

Why the fuck do I need a conventional bank to deposit my salary? I do not need people. I need a system to store and retrieve money at my will!

I went back to the studio and searched for online banks. There must be a solution. I am not the only immigrant who finds himself in this situation.

I need a system that fulfills these requirements:

  • no interest rates: I am a muslim. I do not accept interests.
  • free or very low cost credit card
  • minimum interaction with humans

Having these parameters in my head, I came across a website that says “N26”. What a strange name for a bank! To my surprise it was a real 100% online bank and a German too!

I followed the opening procedure, went to the nearest postal office to identify myself, and a couple of days later I received my bank package and a credit card with it!

I am loving this bank because it fulfills my requirements totally. Let’s see what happens in the future..

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