To save yourself unnecessary hassle, we recommend asking in advance which documents the bank requires for opening an account. When you are ready, take these documents with you to a bank branch of your choice and ask to open a current account (Girokonto). You will most likely need:
- Passport or personal identification card.
- Contract and/or German work permit (if applicable).
- Confirmation of registration from the Resident Registration Office or Alien Registration Office.
Once you’ve opened a current account, you will be issued a debit card, with which you can withdraw money from ATMs. In Germany, debit cards are often referred to as EC-, Giro- or Maestro cards. You can use EC cards to pay at most shops and restaurants. The cashier will ask you to either authorize the payment with a PIN or sign the receipt.
Although many businesses do accept EC cards, Germany is still very much a cash culture. You will come across some shops and restaurants that are cash-only, or have an EC card minimum. It’s always a good idea to have cash (both coins and bills) on hand.
