Getting started with your bank account
Sending and saving money has never been easier. Keep your money safe with online banking and the Sparkasse app. Enjoy excellent conditions, a wide variety of services and even expert advice at your Berliner Sparkasse.
You have any questions? We'll be happy to advise you in person, so book an appointment online or simply give us a call.
- Modern online banking with a high security level thanks to two-factor authentication procedures
- Access to your money at any time with the free Sparkasse app
- Get push notifications on account activity
- Free cash withdrawals from Germany’s largest ATM network
- Participate in eCommerce by adding a credit card to your account
- Save bank statements online
Accounts
Choose the account type that fits you best.
Giro Digital
- Account management fee of € 4,95 per month
- Online account
- Free mobile banking with the Sparkasse app
Young Account
- Free account for students and trainees between the 18th and 25th birthday
- All inclusive
- Use online-banking and in-branch services
Documents needed to open your bank account
- ID card or passport
- Registration of your residence [Meldebescheinigung/Anmeldung] issued by city hall (Bürgeramt)
- German tax ID number [Steueridentifikationsnummer] issued by the taxation authority (Finanzamt)
If applicable:
- Residence permit [Aufenthaltserlaubnis] issued by the immigration office (Ausländerbehörde)
- Employment contract
Additional documents for students:
- Proof of home address
- Foreign Tax Identification Number (TIN)
- Certificate of enrolment
Important information: Please note that the contract language is German. A consultation in your native language is not always possible. If required, you should bring someone along to translate.
Five special branches for expats in berlin
Please make an appointment if you would like to get in touch with one of our five special branches for expats.
Blocking account (not offered)
Currently Berliner Sparkasse does not offer one of these accounts.
Basic Feature of your current account
The perfect match to your current account
Credit cards – smart travel and online shopping
For those who like to travel or shop online. With Berliner Sparkasse credit cards, this is simple and, above all, secure. Here you will find an overview of both variants.
Important note: In contrast to many other countries, Germany has two bank cards. These two cards have different functions and you should pay attention to which card you use where to avoid fees.
Online-Banking and Apps
Use online-banking and have full control over your bank account. No matter when and where, you always know what is going on, even on holidays. Safe and secure access from your PC, smartphone or tablet computer is assured.
Sparkasse app
Keep track of your finances when and wherever you need to. With many services and features.
pushTAN app
Get the TAN that you need for your banking directly to your mobile phone.
Internet safety
All it takes to make your online banking as safe as possible and to protect your account from unauthorised access is staying on top of the latest safety alerts and following a few simple rules.
Housy rental application for your new apartment
Documents that convince every landlord. Get your dream apartment faster with Housy and Berliner Sparkasse.
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People who want to live and work in Germany need certain types of insurance. This article will give you information about what insurance is compulsory and what you can take out optionally.
Open your bank account in a branch
Your nationality is a country outside the European Union, Croatian, Cyprian, Estonian, Latvian or Lithuanian?
You have to book an appointment at one of our branches.
Open your bank account online
Only if you are not one of the nationalities listed above!
You have to be a resident of the Federal Republic of Germany to apply for an account online. The legally required identification is done via video identification.