Opening a German bank account typically requires a valid passport or national ID, proof of residence (Anmeldung) for most traditional banks, a mobile number and email for digital two-factor verification, and — for traditional banks offering credit cards or overdrafts — a Schufa credit report and proof of income (payslips or employment contract). An EU tax identification number is optional but can be helpful. Neobanks generally waive the Schufa and Anmeldung requirements, relying instead on webcam-based identity verification.
Core documents: valid passport/ID, proof of residence (Anmeldung) for most traditional banks, mobile number and email.
Traditional banks offering credit products (credit card, overdraft) typically also require a Schufa report and proof of income.
An EU tax identification number is optional but can smooth the process.
Neobanks generally skip the Schufa and Anmeldung requirements, using webcam-based ID verification instead.
Required Documents
Valid passport or national ID
Anmeldung (for most traditional banks)
Mobile number and email address
Schufa report and income proof (for credit products at traditional banks)
Common Mistakes
Assuming Schufa is required to open a basic account — it is generally only relevant for credit products (credit cards, overdrafts) at traditional banks.