Germany

The same handful of providers cover most of Northern Europe, but the fees, the account details you receive, and who they will accept differ by market. Start with the country you are actually incorporated in.

Bank accounts

How to open a German business bank account

Germany is the easiest of these five markets to bank in — genuinely free Geschäftskonten exist and SEPA makes a foreign IBAN a minor issue. Here is who is legally required to have one, how the GmbH capital account works, and which providers issue a German IBAN.

Read the guide

Compare the providers

Provider	Opening fee	Monthly fee	Local account number	Best for
Revolut Business	Free	€10 – €125/month	No	Multi-currency operations
Wise Business	€55one-off	Free	No	Cheapest currency conversion
Holvi	Free	Free – €69	Yes	Finnish and German solo businesses

Prices checked 5 September 2026.