Top 8 Digital Banks For Germany.

January 2025

Compare between the leading services & choose wisely

Brands Accounts & Pricing Card Highlights Our Rating Next Step
1
  • Basic - Free
  • N26 SMART - €4.90
  • N26 You - €9.90
  • Metal - €16.90
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Free ATM withdrawals worldwide
  • Travel insurance with Premium accounts
  • No Currency exchange fees
98

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A Taste

Highlights

  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Free ATM withdrawals worldwide
  • Travel insurance with Premium accounts
  • No Currency exchange fees

Top Features

  • Free Standard account
  • Free payments in any currency
  • Free Contactless N26 Mastercard
  • Free additional N26 Maestro card
  • Free withdrawals
N26 DE dtp Review
2

  • 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.
  • 3.36% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
96

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A Taste

Highlights

  • Earn up to 2% cashback on eligible payments on credit cards.
  • 3.50% Interest rate for the first 4 months (1.56% after)
  • 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 dtp Review
3
  • Geschäftskonto & Karten
  • 30 Tage kostenlos. Immer unverbindlich
  • Basic - Ab €9/month

 
  • Einfache Verwaltung Ihrer Finanzen mit deutscher IBAN
  • Ein vollausgestattetes Konto in weniger als 10 Minuten
  • Inklusive Mastercard Karten, SEPA-Überweisungen & -Lastschriften
92

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A Taste

Highlights

  • Geschäftskonto & Karten
  • 30 Tage kostenlos. Immer unverbindlich
  • Basic - Ab €9/month

Top Features

  • Einfache Verwaltung Ihrer Finanzen mit deutscher IBAN
  • Ein vollausgestattetes Konto in weniger als 10 Minuten
  • Inklusive Mastercard Karten, SEPA-Überweisungen & -Lastschriften
qonto - DE - P Review
4
  • 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
89

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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
5
  • 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.
  • 3.36% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Invest in stocks
86

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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.
  • 3.36% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Invest in stocks
bunq - Easy card - DE Review
6
  • 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
82

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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
7
  • Borderless Account - Free
  • receive money from over 30 countries.
  • hold over 40 currencies in your account
  • Charge fees on sending money and converting currencies
79

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A Taste

Highlights

  • Regulated By the FCA
  • Need to upload your ID documents in order to verify your account
  • Convert currencies.
  • Easy-to-use app

Top Features

  • Free ATM withdrawals worldwide up to £200 every 30 days
  • Receive money with no fees
  • Up to 15X cheaper than high street banks when sending money abroad
Transferwise Review
8
  • Standard - Free
  • Plus - €2.99/m
  • 3 months Revolut Premium Free trial
  • Money managing & saving tools
  • UK current account / European IBAN
  • Trade & Use Cryptocurrencies
77

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A Taste

Highlights

  • Standard - Free
  • Plus - €2.99/m
  • Premium - €6.99/m
  • Metal - €12.99/m

Top Features

  • Travel without extra hidden fees
  • Spending analytics
  • Pay and get paid easily
  • Round up on card payments for savings
  • Worldwide ATM withdrawals - up to £200 a month with no fee
Revolut - DE Review
9.8
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Open your account in a few minutes
Bunq Account
9.6
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9.2
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Best For: spending and saving
Unlock access to special offers
N26 'Smart' account
8.9
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Simple. Fast. 100% flexible.
N26 Debit Mastercard for €4.90/month
Best For: Online Purchases
Get & manage your card for Free
Bunq 'Easy Card'
8.6
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Get your Free virtual credit card
Bunq Virtual Card
8.2
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7.9
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7.7
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Revolut card

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

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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.