Germany's main neobanks — N26, bunq, Tomorrow, C24, Trade Republic, comdirect, and Wise/Revolut for multi-currency needs — offer fully digital signup, English-language apps, and lower fees than most traditional banks. N26 and bunq are the top picks specifically for foreigners since they don't require an Anmeldung or Schufa check. A key limitation: N26 issues a Mastercard rather than a Girocard, and some German merchants (especially smaller/local ones) don't accept Mastercard, unlike the near-universal acceptance of Girocard from Sparkasse/traditional banks.