Top 8 Digital Banks For Germany.

August 2025

We've listed the safest brands so you can choose and take control of your money securely

Brands Accounts & Pricing Card Highlights Our Rating Next Step
1
  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m
  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
98

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A Taste

Highlights

  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.

Top Features

  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m
bunq DE Review
2
  • Standard - £0/month
  • Premium - £9.99/month
  • Up to €200 fee free ATM withdrawals globally.
  • Earn up to 8% Cashback.
  • Spend cash, stablecoins, and crypto anywhere
96

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A Taste

Highlights

  • Up to €200 fee free ATM withdrawals globally.
  • Earn up to 8% Cashback.
  • Spend cash, stablecoins, and crypto anywhere

Top Features

  • Standard - £0/month
  • Premium - £9.99/month
  • Elite - £29.99/month
  • X-accounts
  • Crypto & Traditional currency account
Wirex - T1 Review
3
  • Basic - Free
  • N26 SMART - €4.90
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Travel insurance with Premium accounts
  • No Currency exchange fees
92

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A Taste

Highlights

  • Basic - Free
  • N26 SMART - €4.90
  • N26 You - €9.90
  • Metal - €16.90

Top Features

  • Free Standard account
  • Free payments in any currency
  • Free Contactless N26 Mastercard
  • Free additional N26 Maestro card
  • Free ATM withdrawals worldwide
N26 DE Review
4
  • Free account with 300 virtual and unlimited physical cards
  • Debit, prepaid and disposable cards
  • Expense management solution – free
  • Multicurrency – 10 currencies:  GBP, EUR, USD, other EU currencies
  • For any-type of businesses.
  • Track and control all the business expenses.
  • Fast onboarding.
  • Integrations to CRM and accounting software.
  • Lots of top-up options.
  • Tokenized cards.
  • Receipt capture option.
89

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A Taste

Highlights

  • For any-type of businesses.
  • Track and control all the business expenses.
  • Fast onboarding.
  • Integrations to CRM and accounting software.
  • Lots of top-up options.
  • Tokenized cards.
  • Receipt capture option.

Top Features

  • Free account with 300 virtual and unlimited physical cards
  • Debit, prepaid and disposable cards
  • Expense management solution – free
  • Multicurrency – 10 currencies:  GBP, EUR, USD, other EU currencies
Wallester EU Review
5
  • Standard: €0/month
  • Plus: €3.99/month
  • Premium: €8.99/month
  • Metal: €15.99/month

No fees within plan limits. T&C apply. Third party providers may charge fees.
  • Support team 24/7. Priority for Paid plans.
  • ATM withdrawals with no additional commissions
  • Personalisation fees may apply.
  • Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.
86

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A Taste

Highlights

  • Personalisation fees may apply.
  • Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.
  • No fees within plan limits. T&C apply. Third party providers may charge fees.

Top Features

  • Standard: €0/month
  • Plus: €3.99/month
  • Premium: €8.99/month
  • Metal: €15.99/month
Revolut - DE Review
6
  • N26 SMART - €4.90
    • ​Physical card included
    • 1.3% Interest rate on savings
    • 3 Free ATM Withdrawals in euros
    • 10 Spaces sub-accounts
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Travel insurance with Premium accounts
  • No Currency exchange fees
82

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A Taste

Highlights

  • N26 SMART - €4.90
    • ​Physical card included
    • 1.3% Interest rate on savings
    • 3 Free ATM Withdrawals in euros
    • 10 Spaces sub-accounts

Top Features

  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Travel insurance with Premium accounts
  • No Currency exchange fees
N26 Smart - DE Review
7
  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m
  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
79

More info+

 Go To Site

A Taste

Highlights

  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m

Top Features

  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
bunq - Pro - DE Review
8
  • Solo - 0 €/m
  • Start - 7 €/m
  • Premium  - 24 €/m
  • One month free, cancel anytime
  • Manual access to wallets for team members
  • Free physical & virtual cards
  • Expense management solution
  • Accounting software integration
77

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A Taste

Highlights

  • One month free, cancel anytime
  • Manual access to wallets for team members
  • Free physical & virtual cards
  • Expense management solution
  • Accounting software integration

Top Features

  • Solo - 0 €/m
  • Start - 7 €/m
  • Premium  - 24 €/m
Finom DE Review
Bunq 'Core' Account
9.8
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Earn up to 2% cashback on your payments
Bunq Credit card
Wirex Account
9.6
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"Secured, easy to manage app"
Wirex Multi Currency Debit card
N26 Standard account
9.2
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Unlimited free trades, 4000+ stocks & ETFs
N26 Debit Mastercard for €0/month
Business Account Only
Wallester Business
8.9
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300 free virtual cards
Wallester Visa
Revolut Premium
8.6
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Personalized Cards
Revolut card
N26 'Smart' account
8.2
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Simple. Fast. 100% flexible.
N26 Debit Mastercard for €4.90/month
Bunq 'Pro' Account
7.9
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Get your Free virtual credit card
Bunq Virtual Card
Finom Business Account
7.7
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Business Account Only

The Advantages of Neobanks

Always Available

Now you can Fully manage your bank account on-the-go using the app or desktop site 

Financial Control

Control your money with unique budgeting tools and real-time actions notifications

Safe & Secure

These services uses the highest level of security standards, regulations and funds protection, so your money will be safe

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced.

Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market.

If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others.

Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.